七部门出手升级安责险保障力度

Core Viewpoint - The revised "Implementation Measures for Safety Production Liability Insurance" aims to enhance the insurance coverage, expand the scope of protection, and improve accident prevention services to better safeguard public life and property safety [1][2]. Group 1: Insurance Coverage and Scope - The minimum compensation limit for each death or disability due to production safety accidents has been raised from 300,000 yuan to 400,000 yuan, with some regions setting limits as high as 800,000 yuan [2]. - The insurance coverage now includes all employees of the insured enterprises, incorporating temporary workers and dispatched laborers, ensuring uniform insurance amounts regardless of employment type or job position [2]. Group 2: Regulatory and Operational Enhancements - The implementation measures require the establishment of industry standard clauses for safety production liability insurance, guided by the State Council's insurance regulatory body, with mandatory compliance from insurance institutions [2]. - The measures also stipulate that provincial departments will develop and publish pure risk loss rates for various industries, allowing for timely adjustments based on overall profitability and market risk conditions [2]. Group 3: Claims and Accident Prevention - A rapid claims mechanism for major or typical accidents has been established, allowing for quick or advance payments of confirmed insurance compensation following an incident [2]. - A dedicated chapter on "accident prevention services" has been added, emphasizing a collaborative safety production governance system involving multiple stakeholders, detailing the responsibilities of production units, and enhancing the role of technical service institutions [3].