调费率、重预防，多地力推安责险为企业系好“保险带”

Core Viewpoint - The implementation of the Safety Production Responsibility Insurance (安责险) is being strengthened across various regions in China, with new policies aimed at enhancing safety management in high-risk industries and ensuring compliance with insurance requirements [1][4][6]. Group 1: Policy Implementation - The Ministry of Emergency Management and six other departments issued the "Implementation Measures for Safety Production Responsibility Insurance" in April, providing clear guidelines for local governments [1][7]. - Multiple regions, including Shanxi and Hunan, are introducing new regulations to enhance the effectiveness of 安责险, focusing on premium adjustments, accident prevention, and stricter supervision [4][5]. - Shanxi Province mandates that the accident prevention service budget must be set at 20% of the actual premium collected for 安责险, with a minimum compensation limit of 400,000 yuan per person for death or disability [4][5]. Group 2: Industry Response - Insurers are encouraged to shift from standardized products to customized solutions, focusing on in-depth research in high-risk sectors and expanding coverage to better meet industry-specific needs [3][6]. - The introduction of dynamic premium adjustment mechanisms based on accident records and safety compliance is being implemented to ensure fair pricing and incentivize better safety practices among insured companies [4][7]. Group 3: Service Enhancement - The focus of the insurance industry is transitioning from claims processing to risk management, with insurers becoming partners in risk management rather than just providers of insurance [8][9]. - Companies are advised to either build their own teams of safety engineers or collaborate with top-tier safety service providers to ensure effective accident prevention services [9]. - A complete risk management cycle is being promoted, encompassing pre-incident training, real-time support during incidents, and post-incident claims assistance [9].