安责险新规出台：新增事故预防服务专章强化安全治理

Core Viewpoint - The implementation of the "Safety Production Liability Insurance Implementation Measures" aims to enhance the safety production responsibility insurance system, addressing issues such as insufficient coverage and ineffective accident prevention services in high-risk industries [2][3][10]. Group 1: Regulatory Framework - The new measures were jointly issued by seven ministries to revise the previous "140 Document" and align with the updated "Safety Production Law" of 2021, which mandates high-risk industries to purchase safety production liability insurance [2][3]. - The revised measures consist of 6 chapters and 48 articles, covering general principles, insurance underwriting, accident prevention services, claims, supervision and management, and supplementary provisions [2][3]. Group 2: Coverage and Responsibilities - The measures specify the industries required to purchase safety production liability insurance, including mining, hazardous chemicals, fireworks, transportation, construction, civil explosives, metal smelting, and fishery production [4]. - The minimum national compensation limit for death or disability due to production safety accidents has been increased from 300,000 yuan to 400,000 yuan, with local governments allowed to set higher limits [4]. Group 3: Accident Prevention Services - A dedicated chapter on "Accident Prevention Services" has been added, emphasizing the responsibility of production units to cooperate with insurance companies in identifying and rectifying safety hazards [7]. - Insurance companies are required to allocate up to 21% of the actual premium collected for accident prevention services, ensuring that funds are effectively utilized for risk reduction [8]. Group 4: Supervision and Coordination - The measures establish a joint working mechanism among emergency management departments, insurance regulatory bodies, and industry supervisors to ensure effective implementation of the insurance system [9]. - An information-sharing mechanism is mandated to facilitate data exchange regarding high-risk industries, safety service providers, and insurance claims, enhancing oversight and coordination [9].