北京金融法院发布指引和典型案例 强化雇主责任险保险保障作用

Core Viewpoint - The release of the guidelines aims to enhance the role of employer liability insurance in protecting the rights of small and medium-sized enterprises (SMEs) and workers, emphasizing its importance in risk management and sustainable business operations [1][2]. Group 1: Employer Liability Insurance Overview - Employer liability insurance covers economic compensation responsibilities that employers must bear when employees suffer accidents or occupational diseases during work [1]. - The insurance serves as a crucial support mechanism for SMEs, helping to distribute employment risks, manage costs, and provide a stable operating environment [1][2]. Group 2: Dispute Analysis - Disputes related to employer liability insurance are primarily concentrated in labor-intensive industries, including manufacturing, security services, property management, logistics, and emerging sectors like food delivery and express delivery [3]. - The Beijing Financial Court has reviewed over 90 cases related to employer liability insurance, identifying common areas of dispute and providing judicial guidance on legal applicability [3]. Group 3: Distinction from Other Insurance Types - Employer liability insurance is distinct from workers' compensation insurance, which is mandatory, and personal accident insurance, which is a voluntary commercial insurance [4]. - The former serves as a supplementary coverage option when workers' compensation is insufficient, while the latter provides coverage regardless of the employer's liability [4]. Group 4: Key Considerations for Enterprises - Enterprises must ensure the authenticity of employment relationships, accurately report employee job information, carefully review insurance terms, and follow the principle of "first compensation, then claim" during incidents [5]. - Insurance providers are encouraged to improve service quality by optimizing product design and standardizing policy interpretations to address the challenges of "easy to insure, difficult to claim" [7]. Group 5: Role of Stakeholders - The collaboration among enterprises, insurance providers, and workers is essential for the effective functioning of employer liability insurance, contributing to harmonious labor relations [7]. - The Beijing Financial Court has introduced six typical cases to guide insurance providers in their operations and assist enterprises and workers in legal rights protection [7].