守护“舌尖上的安全” 保险如何“叫好又叫座”

Core Viewpoint - The article discusses the development of food safety liability insurance in China, highlighting the transition from optional to necessary risk management tools as the government encourages participation and integrates it into the national food safety emergency response system [1][4]. Group 1: Government Initiatives - The State Administration for Market Regulation has initiated the revision of the National Food Safety Incident Emergency Plan, incorporating the establishment of a food safety liability insurance system into the emergency response chain [1][4]. - The revision aims to promote a multi-governance model for food safety, shifting from single regulation to a combination of regulation and market assurance [1][4]. Group 2: Industry Response - The food safety liability insurance (referred to as "food safety insurance") is expected to evolve from an optional tool to a necessary risk management tool, compelling insurance companies to develop customized products for small and micro enterprises and new business models [1][4]. - The insurance typically covers economic compensation for third-party injuries or losses due to food contamination or quality defects, which the insured enterprise is legally responsible for [3]. Group 3: Market Challenges - Despite the government's encouragement, the current uptake of food safety insurance remains low, with significant gaps in market coverage, particularly among small and micro enterprises [8]. - Key challenges include insufficient risk awareness among enterprises, lack of historical loss data for accurate pricing, short service chains focusing on post-incident compensation, and inadequate inter-departmental collaboration [8][9]. Group 4: Innovative Practices - Various regions have developed distinctive food safety insurance promotion models, including customized products for popular consumption scenarios and comprehensive solutions covering all business types [6][7]. - For instance, Ningbo has implemented a multi-faceted guarantee model for food safety insurance, achieving full coverage with a total premium of 222 million yuan and a total insured amount of 117.91 billion yuan [6]. Group 5: Future Directions - To activate the market potential of food safety insurance, insurance companies are encouraged to enhance their professional service capabilities and utilize technology such as IoT and blockchain for risk tracking and database construction [9][10]. - There is a need for insurance products to be tailored to the specific risks associated with new business models like food delivery and live streaming, ensuring comprehensive coverage throughout the food supply chain [10].