投保遇“空白保单”，物流公司员工身亡索赔50万被拒，判了

Core Points - The Guangdong High People's Court has released typical cases that support the high-quality development of the private economy, highlighting a case involving an insurance compensation dispute that protects companies from labor risks through employer liability insurance [1][2]. Group 1: Case Summary - A logistics company, classified as a small and micro private enterprise, faced issues with an insurance company that provided a blank application form without the insurance terms, which led to confusion regarding the coverage limits and exclusions [1][2]. - After the company's employee died due to a work-related incident, the logistics company paid 500,000 yuan to the employee's family and sought reimbursement from the insurance company, which refused to pay, citing prior compensation from work injury insurance [2]. Group 2: Court Ruling - The Guangzhou Intermediate People's Court ruled that the insurance company failed to provide the insurance terms at the time of application and did not clarify the compensation scope, thus the application form should govern the rights and obligations of both parties [2]. - The court determined that the insurance company's refusal to pay after the logistics company had already compensated the family was an improper exemption of liability, ordering the insurance company to pay the 500,000 yuan [2]. Group 3: Implications for Companies - This case serves to protect the legitimate rights of insured enterprises and emphasizes the importance of understanding the compensation scope and exclusions when purchasing insurance [3].