1月5日，山东省保险行业协会官微显示，近日，山东省正式发布企业财产保险、雇主责任保险两大险种 行业示范条款，成为全国首个推出两大险种行业示范条款的省份。 据悉，本次发布的企财险示范条款包含财产基本险、综合险、一切险、机器损坏险4个主险，以及特殊 责任、扩展标的、供应中断等10类附加险；雇主责任险示范条款包含雇主责任险主险及其高空作业、误 工费用调整等5类附加险，形成了企财险"4+10"、雇责险"1+5"的标准化产品体系。 关键词阅读：行业示范条款 企财险 雇主责任险 此外，为确保示范条款的科学性和可行性，山东省保险行业协会组织不同规模的财险公司组建专项小 组，以近5年行业承保理赔数据为核心基础，精准测算行业费率，严格遵循大数法则科学研判风险费率 水平，并在可以满足市场需求基础上，对现有条款进行了大幅压缩，示范条款适用更简单明确。 责任编辑：栎树 ...

保险合同签订后对工种认定的单方解释不能限制被保险人权益 ——某保险公司与某公司责任保险合同纠纷案 基本案情 甲公司作为投保人在某保险公司处投保《雇主责任保险》，约定投保人和用人单位作为共同被保险人， 合同第十二款特别约定：如出险时所从事的工作与投保工种不符，保险人不负责赔偿。甲公司在上述特 别约定处以及《投保人声明》处盖章，投保清单序号43为祁某某，工种是"钢结构安装"，用人单位为某 公司。祁某某在某公司承包的工程项目中从事粉刷钢结构框架时，因安全带脱钩导致摔伤，后因抢救无 效死亡。经某公估公司勘查查明，祁某某的工作内容是对钢结构进行除尘防锈等，推定本次事故系因未 遵守高空作业标准造成，且祁某某事发时从事的高空防腐工作与保单载明的钢结构安装不符，故建议某 保险公司拒赔。后，某公司向某保险公司申请理赔，某保险公司认为祁某某工作时未全程系好安全带且 实际工作和投保工种不符，属于保险除外责任，故不予理赔。 来源：北京金融法院 北京金融法院将提高办案质量、打造精品案件作为审判执行工作的重要导向，高水平搭建金 融审判智库平台，加强金融类案标准化审理，建立规则创设类案件管理、典型案例发布等系 列制度规范。在金融法院受理的 ...

Non-Auto Insurance Rectification and Development - The non-auto insurance segment is transitioning to a high-quality era driven by compliance and quality, with comprehensive rectification measures being implemented [6] - The "Circular on Strengthening the Supervision of Non-Auto Insurance Business" (Jin Fa [2025] No 36) is effective from November 1, 2025, promoting rational competition [8] - The 15th Five-Year Plan presents significant growth opportunities for non-auto insurance, aligning with national strategic goals [20] - PICC P&C focuses on strategic tasks to serve economic and social development during the 15th Five-Year Plan, acting as an "economic shock absorber" and "social stabilizer" [24] PICC P&C's Non-Auto Business Capabilities - PICC P&C's non-auto business structure encompasses large, medium, small, micro, individual, and government clients, supported by risk data resources and professional teams [29] - PICC P&C possesses six core capabilities in its non-auto insurance business: precise pricing, rigorous underwriting, omni-channel customer acquisition, professional claims service, comprehensive reinsurance support, and cutting-edge risk reduction [32] - PICC P&C has a dedicated team of independent underwriters, with 76 required courses, ensuring full-chain closed-loop management [43] - PICC P&C's claims team includes 180 commercial non-auto claims experts, achieving a 7262% incremental loss reduction rate after launching anti-leakage rules [52] Overseas Business Expansion - China's outbound direct investment flow reached USD 1922 billion, increasing by 84%, highlighting the need for overseas insurance services [80] - PICC is establishing an integrated overseas business model led by PICC Reinsurance, deployed by PICC P&C, and coordinated by PICC Hong Kong [86] - PICC has signed agreements with 37 overseas insurance companies to share global service networks [103]

Core Viewpoint - The development of inclusive finance in China has made significant progress, establishing a multi-level supply structure that enhances financial service coverage, accessibility, and satisfaction for the public and small enterprises [1][4]. Group 1: Inclusive Finance Development - The implementation plan for high-quality development of inclusive finance aims to establish a comprehensive system within five years, optimizing service systems and improving credit and insurance frameworks [1][3]. - The focus is on meeting diverse financial needs of the public and the real economy, addressing issues like high loan costs and accessibility [1][4]. Group 2: Local Case Study - In Jinqiu Street, Shandong Province, the local rush grass weaving industry has flourished with the support of inclusive finance, with over 300 enterprises and more than 12,000 direct employees [1][2]. - The introduction of tailored loan products like "Liu Bian Loan" has helped small business owners like Zhang Huihua secure necessary funds quickly, often with same-day disbursement [2][3]. Group 3: Financial Products and Services - Various specialized loans have been developed, including "Greenhouse Loan," "Prawn Loan," and "Catering Loan," to cater to the specific needs of local industries [3][5]. - The "Family Affinity Loan" allows family members to act as guarantors, addressing the challenge of finding collateral in rural areas [5][6]. Group 4: Insurance Role - Insurance products such as employer liability insurance and property insurance have been introduced to protect small businesses and their workers from risks, ensuring stability in production [8][9]. - The plan emphasizes the need for diverse insurance offerings that are affordable and easy to understand, enhancing the security of small enterprises [9]. Group 5: Accessibility of Financial Services - Local banks have established service stations in villages, providing essential banking services and facilitating easier access to financial products for residents [10][11]. - Initiatives like "Financial Night School" have been launched to educate the community on financial literacy, enhancing the overall understanding of financial products and services [11].

Core Viewpoint - The article highlights the significant progress in the development of inclusive finance in China, emphasizing its role in supporting small businesses and rural revitalization, particularly through tailored financial products and services [6][7][10]. Group 1: Inclusive Finance Development - Inclusive finance has made substantial advancements in China, establishing a multi-level supply structure that enhances financial service coverage, accessibility, and satisfaction [6]. - The implementation plan for high-quality development of inclusive finance aims to build a comprehensive system over the next five years, optimizing service systems and improving credit and insurance frameworks [6][10]. Group 2: Local Industry Support - In Bohxing County, the local grass willow weaving industry has flourished with over 300 enterprises and more than 12,000 direct employees, supported by inclusive finance initiatives [7][8]. - Financial institutions have introduced specialized loans like "Willow Weaving Loan" to meet the funding needs of small businesses lacking collateral [9][10]. Group 3: Financial Products and Services - The "Willow Weaving Loan" allows small business owners to apply for loans ranging from 30,000 to 200,000 yuan via mobile applications, often with same-day disbursement [9]. - Other tailored financial products include "Greenhouse Loan," "Prawn Loan," and "Catering Easy Loan," designed to cater to specific agricultural needs [9][10]. Group 4: Insurance and Risk Management - Insurance products such as employer liability insurance and property insurance have been developed to protect small businesses in the grass willow weaving sector from operational risks [14][15]. - The article emphasizes the importance of insurance in supporting the sustainability of traditional crafts and ensuring worker safety [14][15]. Group 5: Community Engagement and Education - Local banks have established 78 inclusive finance service stations to provide essential banking services directly to rural communities, enhancing accessibility [16][17]. - Financial literacy initiatives, such as "Financial Night Schools," have been launched to educate the public on financial management and fraud prevention, reaching over 100,000 individuals [18].

Core Insights - The article emphasizes the critical role of commercial insurance in the modern financial system, providing risk protection and financial planning for individuals and businesses [1][6]. Group 1: Types of Personal Insurance - Life insurance is a key component of personal insurance, providing financial support to families in the event of the insured's death, disability, or illness [1]. - Health insurance covers medical expenses due to illness or injury and offers income compensation for disabilities, supplementing social health insurance [1]. - Critical illness insurance provides a lump-sum payment upon diagnosis of specific serious illnesses, assisting with treatment and living expenses during recovery [1]. - Accident insurance covers death or disability resulting from accidents and medical expenses incurred due to such incidents, offering financial support to the insured and their families [2]. Group 2: Types of Property Insurance - Property insurance protects against losses from natural disasters and accidents, covering damages to business premises and equipment [3]. - Comprehensive property insurance expands coverage to include a wider range of natural disasters [3]. - Transportation insurance covers risks associated with various modes of transport, including vehicles and cargo during transit, reducing the risk of loss for owners [3]. - Engineering insurance addresses risks during construction projects, covering natural disasters, accidents, and third-party liabilities [3]. Group 3: Types of Liability Insurance - Liability insurance covers civil damage compensation responsibilities that the insured must legally bear, such as public liability insurance for accidents in public spaces [4]. - Product liability insurance protects manufacturers and sellers against claims for damages caused by defective products [4]. - Employer's liability insurance covers employers' responsibilities for accidents or occupational diseases affecting employees during their employment [4]. Group 4: Credit and Guarantee Insurance - Credit insurance protects against the risk of non-payment in international trade, compensating exporters if importers default on payments [5]. - Guarantee insurance provides assurance for contractual obligations, ensuring compensation if one party fails to fulfill their contractual duties [5].

Core Insights - The article emphasizes the importance of employer liability insurance as a crucial support for businesses in managing workplace risks and ensuring steady development [1][10]. Group 1: Risks in the Workplace - Workplace risks are prevalent across various environments, from construction sites to offices, and can lead to significant financial burdens for companies due to medical expenses, compensation for lost work, and legal fees [2][4]. - Even with robust safety management systems, accidents can still occur, making employer liability insurance essential for risk transfer and crisis management [2][4]. Group 2: Comprehensive Coverage - Employer liability insurance focuses on the legal compensation responsibilities of businesses, providing extensive and practical coverage [4]. - The insurance covers medical expenses and compensation for employees injured at work or suffering from occupational diseases, alleviating financial pressure on companies [4]. - It also supports legal costs incurred from lawsuits related to workplace injuries, allowing businesses to navigate legal disputes without excessive burden [4]. Group 3: Benefits of Employer Liability Insurance - For companies, this insurance transforms unpredictable high compensation risks into stable insurance expenditures, reducing financial volatility and enhancing risk management capabilities [7]. - Employees benefit from prompt financial support and medical assistance in case of accidents, fostering a sense of care and belonging, which can enhance their motivation and loyalty [7]. - The insurance contributes to stable labor relations and promotes healthy employment market development, supporting social harmony [7]. Group 4: Professional Services - Jinan People's Insurance Company offers a comprehensive range of services, including risk assessment, customized plans, and claims support, ensuring a worry-free experience for businesses [9]. - The company leverages its industry experience and efficient service processes to provide quick responses and professional claims handling after incidents [9].