在提升安责险保障功能等方面，应急管理部、金融监管总局有关司局负责人表示，实施办法提高了保障 额度。将生产安全事故每人死亡伤残责任全国最低保障限额由30万元提升至40万元，各地可在全国最低 保障限额之上，结合实际确定当地最低保障限额。"据了解，目前有的地区最低保障限额已达80万 元。"上述负责人表示。 实施办法扩大了保障范围。明确安责险应当覆盖投保企业全体从业人员，将临时聘用人员、被派遣劳动 者等有用工关系的人员纳入从业人员范畴，保险金额实行同一标准，不得因用工方式、工作岗位等差别 对待。 实施办法增加了条款和费率有关要求。明确由国务院保险监督管理机构指导中国保险行业协会在充分征 求国务院应急管理部门等相关部门、单位意见的基础上，制定发布安责险行业标准条款，并要求各保险 机构统一执行；费率方面，明确由省级有关部门组织制定发布本地区各行业、领域的安责险纯风险损失 率，并根据安责险业务的总体盈利亏损情况和市场实际风险情况及时调整，供保险机构参考使用。 实施办法优化了理赔服务。建立重大或典型事故快速理赔机制和预付赔款机制，在事故发生后按照法律 规定和合同约定快速支付或先行支付已确定的保险赔偿金。 上述负责人表示，实施 ...

Core Viewpoint - The implementation of port safety production liability insurance (referred to as "safety liability insurance") in China's transportation industry has shown significant improvements in safety assurance and enterprise satisfaction, with innovative results being promoted nationwide [1][2]. Group 1: Industry Background - The transportation industry is classified as one of the eight high-risk industries by the state, making it a key area for the implementation of safety production liability insurance [1]. - The new "Safety Production Law," effective from September 1, 2021, mandates that production and operation units in high-risk industries must purchase safety production liability insurance [2]. Group 2: Implementation and Innovations - The pilot program for port safety production liability insurance has led to the creation of a dedicated insurance product called "Yonggang An," which addresses the specific safety risks of various port enterprises [2][4]. - The insurance product includes features such as third-party liability coverage and a dynamic premium adjustment system based on safety performance and credit ratings, incentivizing companies to enhance safety management [4]. Group 3: Achievements and Impact - As of December 2023, Ningbo successfully issued the first port safety liability insurance policy in the country, with over 70 port enterprises insured and a total premium exceeding 12 million yuan [5][6]. - The pilot program has achieved a 100% closure rate for identified safety hazards, with a high satisfaction rate for the accident prevention technical services provided to enterprises [6]. Group 4: Future Directions - The industry aims to establish a comprehensive safety management framework that combines insurance risk coverage, technical prevention services, and proactive safety management by port enterprises [7].