金融监管总局等七部委联合印发

Core Viewpoint - The implementation of the "Safety Production Responsibility Insurance Implementation Measures" aims to enhance the safety production responsibility insurance system, providing higher protection, better prevention, and clearer responsibilities, while also serving as a model for the development and regulation of other liability insurances [1] Group 1: Development and Regulation of Safety Production Responsibility Insurance - The new measures are a comprehensive revision of the previous regulations, expanding the coverage of safety production responsibility insurance to include eight high-risk industries, ensuring all workers, including temporary labor, are protected [3][6] - The insurance compensation limit for death or disability due to safety production accidents has been increased from 300,000 yuan to 400,000 yuan, with some regions setting local minimums as high as 800,000 yuan [3][4] Group 2: Claims and Prevention Mechanisms - A rapid claims mechanism and advance payment system for major accidents have been established, allowing for quick compensation in accordance with legal and contractual obligations [4] - The measures emphasize the importance of accident prevention services, requiring insurance companies to engage qualified safety production technical service institutions to enhance risk management [5][6] Group 3: Financial and Operational Framework - Insurance companies are mandated to allocate up to 21% of the actual premium collected for accident prevention services, ensuring dedicated funding for these initiatives [6] - A comprehensive "4+2+1" system will be developed to support the implementation of the measures, including standard products, operational norms, self-regulatory agreements, and an expert database [6]