会议强调，各保险公司要立下书面承诺，明确投入底线，在制定2026年度安责险事故预防服务费用的预算和目标时，将严格按照不低于本年度实际收取安责 险保费总额的20%进行计提和投入，并确保专款专用、足额使用；要刚性执行比例，规范费用使用，立即制定工作方案，建立月度报送制度，坚决杜绝"只 提不用""挪用费用发放奖金或弥补其他开支"等现象。 有关部门提出了具体整改措施和完成时限。要求相关保险公司制定2026年度安责险事故预防服务费用预算时，严格按照不低于保费总额的20%计提和投入。 在业内人士看来，这一明确比例的规定，旨在从根本上改变过去预防投入不足的状况。同时，部分保险公司在开展安责险业务时的重保费、轻预防问题亟待 解决。 预防费用投入迎硬性比例 安全生产责任保险（以下简称"安责险"）背后的事故预防服务投入不足问题被一地揪出。1月11日，北京商报记者了解到，近日广西壮族自治区安委会办公 室召开集体约谈会。此次集体约谈直指部分保险公司安责险实施中的两大核心问题："预防费用占比低"和"人均保额不达标"。 近日，广西壮族自治区安委会办公室召开集体约谈会，对9家安责险重点保险公司进行集体约谈。会上，通报了当前该区安责险事故预 ...

Core Viewpoint - The implementation of safety production responsibility insurance (referred to as "safety insurance") is becoming a crucial task in various regions, aimed at enhancing accident prevention and reducing incidents through optimized policies and services [1][3]. Group 1: Policy Developments - Regions such as Shanxi, Hunan, and Henan have introduced measures to promote the development of safety insurance, focusing on accident prevention and service enhancement [2][3]. - Shanxi has set a budget target for accident prevention service fees at 20% of the actual insurance premium collected, ensuring that these funds are not misappropriated [2]. - Hunan is working on establishing a collaborative system between government departments and insurance companies to improve real-time communication and service evaluation [2]. Group 2: Current Challenges - Despite the growth in safety insurance premiums exceeding 100 billion yuan, it only accounts for about 1% of the total property insurance premium, indicating a significant gap in coverage and capacity [4]. - Key challenges include low proactive participation from companies, product homogeneity, and insufficient collaboration among departments, leading to issues like "data silos" that hinder accurate pricing and risk management [4][5]. - The perception of safety insurance as a cost burden rather than a risk management tool contributes to the low uptake among enterprises [4]. Group 3: Recommendations for Improvement - To address the challenges in safety insurance development, it is recommended to enhance enforcement and inspections to ensure companies comply with insurance requirements [5]. - Strengthening information technology infrastructure to facilitate real-time data sharing between insurance companies and provincial platforms is essential [5]. - Tax incentives and the development of differentiated insurance products are suggested to improve the professionalism and effectiveness of accident prevention services [5].

Core Viewpoint - The implementation of the Safety Production Responsibility Insurance (安责险) is being strengthened across various regions in China, with new policies aimed at enhancing safety management in high-risk industries and ensuring compliance with insurance requirements [1][4][6]. Group 1: Policy Implementation - The Ministry of Emergency Management and six other departments issued the "Implementation Measures for Safety Production Responsibility Insurance" in April, providing clear guidelines for local governments [1][7]. - Multiple regions, including Shanxi and Hunan, are introducing new regulations to enhance the effectiveness of 安责险, focusing on premium adjustments, accident prevention, and stricter supervision [4][5]. - Shanxi Province mandates that the accident prevention service budget must be set at 20% of the actual premium collected for 安责险, with a minimum compensation limit of 400,000 yuan per person for death or disability [4][5]. Group 2: Industry Response - Insurers are encouraged to shift from standardized products to customized solutions, focusing on in-depth research in high-risk sectors and expanding coverage to better meet industry-specific needs [3][6]. - The introduction of dynamic premium adjustment mechanisms based on accident records and safety compliance is being implemented to ensure fair pricing and incentivize better safety practices among insured companies [4][7]. Group 3: Service Enhancement - The focus of the insurance industry is transitioning from claims processing to risk management, with insurers becoming partners in risk management rather than just providers of insurance [8][9]. - Companies are advised to either build their own teams of safety engineers or collaborate with top-tier safety service providers to ensure effective accident prevention services [9]. - A complete risk management cycle is being promoted, encompassing pre-incident training, real-time support during incidents, and post-incident claims assistance [9].

Core Viewpoint - The revised "Implementation Measures for Safety Production Liability Insurance" aims to enhance the insurance coverage, expand the scope of protection, and improve accident prevention services to better safeguard public life and property safety [1][2]. Group 1: Insurance Coverage and Scope - The minimum compensation limit for each death or disability due to production safety accidents has been raised from 300,000 yuan to 400,000 yuan, with some regions setting limits as high as 800,000 yuan [2]. - The insurance must cover all employees of the insured enterprises, including temporary and dispatched workers, ensuring uniform insurance amounts regardless of employment type or job position [2]. Group 2: Regulatory and Service Enhancements - The measures require the establishment of industry standard clauses for safety production liability insurance, which will be developed by the China Insurance Industry Association with input from relevant government departments [2]. - A rapid claims mechanism for major or typical accidents has been introduced, allowing for quick payment of insurance compensation as per legal and contractual agreements [2]. Group 3: Accident Prevention Services - A dedicated chapter on "accident prevention services" has been added, focusing on building a collaborative safety production governance system involving multiple stakeholders [3]. - Responsibilities of production and operation units are clarified, and the role of technical service institutions in accident prevention is emphasized [3].