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 safety production responsibility insurance (安责险) is being enhanced across various regions in China, with a focus on customized products, accident prevention, and stricter regulations to improve safety management in high-risk industries [1][2][3]. Group 1: Policy Implementation - In April, the Ministry of Emergency Management and six other departments issued the "Implementation Measures for Safety Production Responsibility Insurance," providing clear guidelines for local governments [1]. - Shanxi Province mandates that in high-risk industries, 20% of the actual premium collected for 安责险 must be allocated for accident prevention services, with a minimum compensation limit of 400,000 yuan per person for death or disability [1][2]. - Hunan Province has introduced a dynamic rate adjustment mechanism for 安责险 based on various factors, including accident records and compliance with safety standards [2]. Group 2: Product Development - The insurance industry is shifting from standardized products to customized offerings tailored to specific high-risk sectors, enhancing the scope of coverage [1][3]. - Ningbo City has launched a specialized 安责险 product for the port sector, featuring a floating rate mechanism linked to the safety performance of enterprises [3][5]. - The focus is on transforming the service model from mere compensation to proactive risk management, with insurance companies becoming partners in safety management [5][6]. Group 3: Market Trends - The release of the "Implementation Measures" has acted as a catalyst for market standardization, moving away from chaotic competition towards a more orderly market [4]. - The insurance sector is increasingly adopting technology, such as IoT and big data, to enhance risk assessment and prevention capabilities [6]. - There is a growing emphasis on creating a complete safety management loop that includes pre-incident training, real-time response, and post-incident support [6].