提高保障额度 扩大保障范围 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 must cover all employees of the insured enterprises, including temporary and dispatched workers, ensuring uniform insurance amounts regardless of employment type or job position [2]. Group 2: Regulatory and Service Enhancements - The measures require the establishment of industry standard clauses for safety production liability insurance, which will be developed by the China Insurance Industry Association with input from relevant government departments [2]. - A rapid claims mechanism for major or typical accidents has been introduced, allowing for quick payment of insurance compensation as per legal and contractual agreements [2]. Group 3: Accident Prevention Services - A dedicated chapter on "accident prevention services" has been added, focusing on building a collaborative safety production governance system involving multiple stakeholders [3]. - Responsibilities of production and operation units are clarified, and the role of technical service institutions in accident prevention is emphasized [3].