拟鼓励投保、建体系，食安险或迎新机遇

Core Viewpoint - The introduction of food safety liability insurance (referred to as "food safety insurance") is expected to be promoted significantly in response to consumer concerns about food safety issues, particularly in the context of the food production and service industry [1][3]. Group 1: Policy and Regulatory Framework - The State Administration for Market Regulation has initiated the revision of the "National Food Safety Incident Emergency Plan (Draft for Comments)," encouraging food producers and operators to participate in food safety insurance [3][4]. - The draft emphasizes the establishment and improvement of the food safety insurance system, aiming to ensure timely insurance claims for food safety incidents [3][4]. Group 2: Market Dynamics and Trends - Food safety insurance is becoming increasingly recognized as a risk management mechanism, particularly in the rapidly growing food delivery service sector, which has seen significant scale development due to the integration of the internet and digital economy [3][4]. - Currently, the variety and number of food safety insurance products in the market are relatively limited, with most offerings focused on food delivery services, primarily through collaborations between delivery platforms and insurance companies [3][4]. Group 3: Challenges and Opportunities - Despite the potential for growth, food safety insurance in China is still in its early stages compared to developed countries, having gone through policy exploration, mandatory promotion, and now encouragement phases [5][6]. - There are significant challenges in the claims process, including disputes over accident recognition and compensation amounts, as well as difficulties consumers face in proving claims [6]. - The insurance product's coverage is narrow, and there is a notable information asymmetry among delivery platforms, merchants, and consumers, complicating the claims process and limiting the development of the food delivery industry [6]. Group 4: Recommendations for Improvement - To stimulate demand for food safety insurance, it is suggested that insurance companies optimize product design and service processes, potentially developing a combination of basic and additional insurance products [6]. - Implementing a floating rate mechanism based on the food safety rating of enterprises could dynamically adjust premiums, enhancing the attractiveness of food safety insurance [6]. - The promotion of food safety insurance is viewed not only as a risk management tool but also as a modernization of food safety governance, aiming to create a robust safety net connecting government, enterprises, and consumers [6].