鼓励投保健全体系 食安险迎新机遇

Core Viewpoint - The introduction of food safety responsibility insurance (referred to as "food safety insurance") is expected to be promoted significantly to address consumer concerns regarding food safety issues in the market [1][3]. Group 1: Encouragement of Food Safety Insurance - The State Administration for Market Regulation has revised the draft emergency response plan for food safety incidents, encouraging food producers and operators to participate in food safety insurance [3]. - Food safety insurance is designed to cover civil liability for damages caused by defective food products sold by food producers, providing a safety net for both businesses and consumers [3][4]. - The rise of the food delivery industry, driven by the integration of the internet and digital economy, has led to increased awareness and familiarity with food safety insurance among market participants [3]. Group 2: Importance for the Prepared Dish Industry - The recent concerns surrounding the prepared dish industry highlight the need for enhanced safety measures, with food safety insurance playing a crucial role in providing economic protection against food safety issues [4]. - The introduction of food safety insurance can lead to improved food safety management practices among prepared dish companies, thereby reducing risks associated with food safety incidents [4]. Group 3: Challenges in Activation of Insurance Demand - Compared to developed countries, the development of food safety insurance in China is relatively nascent, having gone through stages of policy exploration, mandatory promotion, and encouragement [5]. - There is significant room for growth in the food safety insurance market, primarily due to limited perceived risks for businesses and existing disputes over liability recognition and compensation amounts [5]. - Challenges such as narrow coverage, information asymmetry among delivery platforms, merchants, and consumers, and complex claims processes hinder the development of food safety insurance in the food delivery sector [5]. Group 4: Solutions for Improvement - To overcome existing challenges, insurance companies can optimize product design and service processes, potentially offering a combination of basic and additional insurance products [6]. - Implementing a floating rate mechanism based on food safety ratings could dynamically adjust premiums, enhancing the appeal of food safety insurance [6]. - The promotion of food safety insurance is seen as a modern approach to food safety governance, aiming to connect government, businesses, and consumers effectively [6].