鼓励投保健全体系 食安险迎新机遇

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][2]. Group 1: Encouragement of Food Safety Insurance Participation - The State Administration for Market Regulation has revised the "National Food Safety Incident Emergency Plan (Draft for Comments)" to encourage food producers and operators to participate in food safety insurance [1]. - Food safety insurance is designed to provide civil liability coverage for food producers and sellers in the event of consumer harm due to defective food products [1]. Group 2: Current Market Situation and Trends - The food safety insurance market is still developing, with a limited number of products available, primarily focused on the takeaway food sector, often through partnerships between delivery platforms and insurance companies [2]. - Food safety insurance serves as a risk management mechanism that connects food producers and consumers, aiming to mitigate food safety incidents through insurance coverage [2]. Group 3: Impact on the Prepared Dish Industry - The introduction of food safety insurance is seen as a way to enhance safety standards in the prepared dish industry, providing economic protection against food safety issues and encouraging better management practices among producers [3]. - The long supply chain in the prepared dish sector presents significant food safety risks, and food safety insurance can act as a financial buffer while promoting improved safety management [3]. Group 4: Challenges and Development Potential - Compared to developed countries, the food safety insurance sector in China is still in its early stages, having gone through policy exploration, mandatory promotion, and now encouragement phases [4]. - There is considerable room for growth in food safety insurance, as the perceived risks covered are currently limited, and legal frameworks need to be more robust to stimulate demand for insurance [4]. - Challenges include disputes over accident recognition and compensation amounts, as well as difficulties consumers face in claiming compensation, which hinder the effectiveness of the insurance system [4]. Group 5: Recommendations for Improvement - To overcome existing challenges, insurance companies could enhance product design and service processes, potentially offering a combination of basic and additional coverage options [5]. - Implementing a dynamic premium adjustment mechanism based on food safety ratings could also incentivize participation in food safety insurance [5]. - The promotion of food safety insurance is viewed as a modern approach to food safety governance, aiming to create a robust safety network connecting government, businesses, and consumers [5].