新京报贝壳财经讯（记者黄鑫宇）7月8日是全国保险公众宣传日。北京金融法院召开新闻发布会，全面介绍近年来北京金融法院涉雇主责任险案件审理情 况。 我国拥有超过1.8亿户经营主体，规模大小不一、类型丰富多样、行业分布广泛，是活跃社会主义市场经济的基础。当前，传统就业需求持续上升，新就业 形态迅速崛起，用工成本均已成为影响企业经营发展的核心要素。雇主责任险，正是助力中小企业稳健发展的重要保障机制，对促进中小企业行稳致远具有 重要的支撑作用。 准确而言，雇主责任险是财产保险合同的一种。据北京金融法院党组成员、副院长宋毅介绍，雇主责任险是以雇员在工作期间因工作原因遭遇意外或患上职 业病，依照法律规定应由雇主承担的经济赔偿责任作为保险标的财产保险，其保障对象是各类企业雇主，同时也间接保障雇员因工作受到的损害能及时获 赔。 雇主责任险作为转移雇主用工风险的重要工具，容易与工伤保险和意外伤害保险发生混淆。 宋毅介绍，工伤保险系国家强制推行的社会保险，雇主责任险属于商业保险，是企业自主选择购买的补充保障。在工伤赔偿不足、需承担额外责任等特定情 形下，雇主责任险可作为工伤保险的补充发挥作用。而意外伤害保险，则属于人身险，雇主为雇 ...

Core Viewpoint - The article discusses the increasing risks associated with high temperatures in China, emphasizing the importance of insurance coverage to mitigate health and property risks during extreme heat events [1]. Group 1: Health Risks and Insurance - High temperatures can lead to serious health issues such as heatstroke, particularly affecting vulnerable groups like outdoor workers, the elderly, children, and pregnant women [3]. - Recommended insurance for white-collar workers includes medical insurance covering outpatient expenses related to heatstroke, and accident insurance with medical coverage for unexpected situations [3]. - For outdoor workers, employers are advised to purchase employer liability insurance or group accident insurance to transfer the risks associated with high-temperature work environments [3]. Group 2: Property Risks and Insurance - High temperatures can increase the risk of fires and other accidents, making homeowners' insurance essential to cover potential losses from fire, explosion, and damage to property [4]. - Vehicle insurance has been updated to include coverage for self-ignition incidents due to high temperatures, particularly for new energy vehicles [4]. - Agricultural insurance, such as weather index insurance, can help mitigate risks of crop loss due to extreme heat by providing automatic payouts based on temperature thresholds [4]. Group 3: Market Gaps and Prevention - There is a lack of dedicated insurance products specifically for heatstroke, with most coverage relying on traditional medical, critical illness, and life insurance [5]. - Prevention measures, such as avoiding heat exposure and staying hydrated, are emphasized as more effective than relying solely on insurance for post-incident compensation [5].

北京金融法院立案庭法官林文彪在回答中国证券报记者关于"雇主责任险对于劳动者保护作用"的提问时 表示，在特定情形下，保险公司可以直接向雇员赔偿保险金。雇员遭遇职业伤害，要保留好证据，及时 向用人单位主张法定赔偿。雇主的赔偿责任确定后，若雇主怠于申请理赔，导致雇员赔偿无法及时到 位，雇员可直接向雇主责任险承保的保险公司申请理赔。雇员要清楚区分雇主责任险与意外伤害险。雇 主承担法定赔偿责任，不影响雇员自身意外伤害险理赔。 推出雇主责任险指引 宋毅表示，为帮助保险公司、雇主和雇员更好地理解、运用雇主责任险，充分发挥其保障作用，更好帮 助企业进行风险管理，促进劳动者权益保护，北京金融法院立足保障经济金融高质量发展的职能定位， 面向广大中小企业、保险机构、劳动者等群体推出"关于促进雇主责任险更好发挥保险保障作用、强化 中小企业及劳动者权益保护的指引"。 谈及企业购买雇主责任险的重点事项，宋毅表示，企业要严格规范投保，确保保险合同合法有效；强化 合同履行管理，确保保障持续有效；及时报案理赔，妥善处理事故赔偿。谈及保险机构经营雇主险的规 范要求，宋毅表示，保险机构应规范保险服务全流程，确保条款理解一致；精准对接企业需求，优化 ...

本报记者 吴晓璐 7月8日是全国保险公众宣传日。北京金融法院召开"强化雇主责任险保障功能 保护中小企业及劳动者合法权益"新闻发布 会，发布《关于促进雇主责任险更好发挥保险保障作用、强化中小企业及劳动者权益保护的指引》（简称《指引》），同时发 布六个涉雇主责任险典型案例。 雇主责任险是以雇员在工作期间因工作原因遭遇意外或患上职业病，依照法律规定应由雇主承担的经济赔偿责任作为保险 标的财产保险，其保障对象是各类企业雇主，同时也间接保障雇员因工作受到的损害能及时获赔。 雇主责任险对促进中小企业行稳致远具有重要的支撑作用。北京金融法院副院长宋毅表示，其核心作用主要体现在三个层 面，一是在风险分担层面，有效分散企业经营中的用工风险，二是在成本管控层面，帮助企业规避重大经济损失，三是在可持 续发展层面，为企业提供稳定经营环境。 保险机构需提升服务质量 《指引》明确了各相关方在保险履行过程中应注意的问题。据宋毅介绍，在投保环节，企业需特别注意三个要点，首先要 确保雇佣关系真实有效，如实申报员工岗位信息；其次要仔细研读保险条款，特别是保障范围和免责事项；最后在出险时要遵 循"先赔偿、后理赔"的原则。 主要集中于劳动密集型产业 ...

外卖骑手刘某驾驶电动自行车送餐途中，与驾驶电动自行车的吕某发生碰撞，致吕某受伤，电动自 行车受损。公安交管部门认定，刘某负事故的全部责任，吕某无责任。刘某是甲公司的员工，甲公司曾 为其在保险公司投保雇主责任险附加第三者责任险。保单特别约定载明，在保障期间，骑手遭受意外伤 害保险事故，保险公司承担相关医疗费用，但事故发生地的社会医疗保险或其他公费医疗管理部门规定 的自费项目和自费药品费用以及医保统筹基金、附加支付，均为保险责任以外。 事故发生后，吕某就相关损失向人民法院提起诉讼，法院判决甲公司赔偿损失合计20万余元。甲公 司履行完相应赔付义务后，向保险公司理赔未果，故诉至法院，要求保险公司承担相应的保险责任。 本报讯（记者 郭燕 通讯员 夏梦 潘志川）骑手送外卖途中与他人相撞，导致他人受伤，公司为骑手 购买了雇主责任险附加第三者责任险，赔付伤者后向保险公司理赔却被保险公司告知非医保用药不赔。 那么，交通事故中，非医保用药的责任应由谁来承担？近日，上海市虹口区人民法院审理了一起有关保 险理赔过程中扣除非医保用药医疗费争议的案件。 综上，法院判决保险公司向甲公司支付保险金20万余元。该案判决后，双方未提起上诉，现已 ...

Core Viewpoint - The financial institution has a responsibility to support the development of the Yi embroidery industry, providing personalized risk protection and high-quality insurance products to enhance the traditional craft [1][5]. Group 1: Industry Development - The Yi embroidery industry has a history of over 1,700 years and is a significant cultural heritage of the Yi ethnic group in Yunnan [4]. - In 2024, there are 2,233 operating entities in the Yi embroidery sector, an increase of 1,695 from 2022, with 13 enterprises classified as large-scale [4]. - The average annual income for over 60,000 embroiderers is projected to be 3,840 yuan, reflecting a year-on-year growth of 7.56% [4]. Group 2: Insurance Support - China Life Property Insurance Company in Chuxiong has developed a comprehensive insurance plan called "Yi Embroidery Insurance" to meet the insurance needs of the Yi embroidery industry [5]. - The company has provided risk protection amounting to 225 million yuan for 574 embroiderers and 7 enterprises [5]. - In 2024, the company offered over 7.7 million yuan in risk protection for Yi embroidery's participation in the Paris Fashion Week [5]. Group 3: Future Plans - The company aims to continue providing top-notch services to strengthen the insurance framework for the Yi embroidery industry, contributing to the high-quality economic and social development of Chuxiong [6].

Core Insights - The insurance industry in Hunan has demonstrated significant responsiveness and commitment to disaster relief and recovery, with a total payout of 793.03 billion yuan in 2024, marking a 17.23% increase from the previous year [2] - The typical claims cases for 2024 highlight the industry's role in providing timely support during natural disasters, aiding businesses in distress, and ensuring quick compensation for critical illness patients, reflecting the service ethos of "people first" [1][2] Summary by Category Claims Overview - In 2024, Hunan's insurance industry paid out 793.03 billion yuan, an increase of 116.54 billion yuan from the previous year, representing a year-on-year growth of 17.23% [2] - Property insurance companies accounted for 464.67 billion yuan in payouts, a 12.96% increase, while life insurance companies paid out 328.36 billion yuan, reflecting a 23.84% increase [2] Typical Claims Cases 1. **Severe Flooding Impact**: Human Insurance's Yueyang branch paid 1.11 billion yuan for rural housing disaster insurance after severe flooding, benefiting 830 households [3] 2. **Snow Disaster Recovery**: Ping An Insurance provided 161 million yuan to a printing company affected by snow damage, facilitating quick recovery [4] 3. **Agricultural Insurance**: Taiping Insurance compensated 16.23 million yuan for crop damage due to flooding, utilizing advanced technology for accurate assessments [5] 4. **Public Safety Incident**: China United Insurance paid 1.26 million yuan following a landslide incident, demonstrating the importance of insurance in emergency situations [7] 5. **Labor Dispute Resolution**: China Life Insurance provided 1 million yuan to workers during a wage dispute, showcasing the role of insurance in maintaining social stability [8] 6. **Equipment Damage**: Guoren Insurance paid 875,200 yuan for equipment damage during a construction accident, ensuring timely repairs [9] 7. **Power Supply Restoration**: Yingda Insurance compensated 256 million yuan for extensive damage to the power grid caused by severe weather, highlighting the industry's proactive measures [10] 8. **Accidental Death Compensation**: Sunshine Insurance paid 870,000 yuan for a workplace accident, providing support to the deceased's family [12] 9. **Traffic Accident Support**: Dadi Insurance provided 780,000 yuan following a fatal traffic accident, offering immediate financial assistance to the victim's family [13] 10. **International Coverage**: China Life Insurance paid 50,000 yuan for a foreign tourist's death, demonstrating the global reach of insurance services [14] 11. **Critical Illness Payout**: Ping An Life paid 12.5 million yuan for a policyholder's death due to critical illness, ensuring wealth transfer to the family [15] 12. **Family Loss Support**: Taiping Life paid 2 million yuan to a family after the loss of a primary earner, providing essential financial support [16] 13. **Cancer Treatment Assistance**: Taikang Life provided 735,119.68 yuan over 29 claims for a cancer patient, emphasizing ongoing support for treatment [18] 14. **End-of-Life Care**: Fude Life paid 1.82 million yuan for a terminal cancer patient, showcasing the compassionate side of insurance [19] 15. **Sudden Illness Coverage**: Taiping Life paid 7.99 million yuan for a policyholder's sudden death, reflecting the importance of life insurance [20] 16. **Emergency Medical Support**: Caixin Life provided 601,400 yuan for urgent medical treatment, ensuring timely care for a nurse [21] 17. **Elderly Cancer Insurance**: Huatai Life paid 150% of the coverage amount for an elderly client diagnosed with lung cancer, demonstrating tailored support for seniors [23] 18. **Accidental Injury Compensation**: Zhongyou Insurance paid 19,500 yuan to an elderly individual injured in an accident, highlighting the importance of accident insurance [24] 19. **Youth Insurance Support**: Ruizhong Life paid 534,000 yuan for a young client suffering from a severe health crisis, showcasing the role of insurance in youth protection [25] 20. **Student Insurance Claims**: China Life Insurance paid 280,000 yuan for a student involved in a fatal accident, ensuring support for the affected family [26]

案例1"某运输公司诉杨某劳动争议案"明确，企业与网约货车司机之间存在用工事实、构成支配性劳动管理 的，应当认定存在劳动关系，依法保障网约货车司机享受劳动权益。 第二，依法审理涉新就业形态责任保险合同纠纷案件 案例2"某餐饮配送公司诉某保险公司责任保险合同纠纷案"明确，认定是否属于相关责任保险中约定的"业务有 关工作"，应当依据保险合同约定的具体理赔情形，结合法律规定、企业经营范围、劳动者从业类型、从事有 关行为对于完成业务工作的必要性及是否受企业指派等因素综合考量。鼓励企业通过购买商业保险，保障遭受 职业伤害的新就业形态劳动者及因劳动者执行工作任务造成损害的第三人，及时获得救济，分散企业风险，推 动新业态经济健康规范发展。 第三，妥善审理劳动者执行工作任务受到损害案件 案例3"冯某诉某物业公司身体权纠纷案"，强调人民法院在处理相关案件时应当充分考虑新就业形态人员职业 伤害保障的制度功能，确保案件处理结果与有关试点制度安排相向而行。依法支持劳动者关于第三人承担民事 赔偿责任的请求，明确第三人的侵权责任不因劳动者获得新就业形态人员职业伤害保障待遇而免除或者减轻， 筑牢职业安全"防护网"。 第四，妥善审理劳动者执行 ...

北京金融法院党组成员、副院长宋毅在通报中指出，2021年建院以来，北京金融法院受理保险纠纷二审案件1796件，标的 总额超过21.88亿元，涉及新业态劳动者保险权益纠纷占比15.92%。在新业态保险纠纷二审案件中，意外伤害保险合同纠纷、 雇主责任险纠纷、保险人代位求偿权纠纷为主要纠纷类型。保险机构、被保险人上诉的占比相当，但从裁判结果来看，新业态 劳动者及用人单位的胜诉率较高。 "新业态保险纠纷中，多主体之间矛盾交织，互联网平台、第三方用人单位、保险机构、劳动者均存在不同程度的问题和 短板。"宋毅指出，互联网平台企业利用交易结构嵌套转嫁用工成本、规避用工责任的情形突出。在"平台+平台合作商+劳动 者"的长链条用工模式下，平台在劳动者保险权益保障中的责任被模糊化。部分平台将劳动者投保特定保险机构的特定保险产 品与劳动者开单营业强行捆绑，并从劳动者报酬中自动扣除保费，此举涉嫌侵犯劳动者的自主选择权，甚至导致重复投保。与 平台合作的第三方用人单位虽承担全部或部分劳动管理职能，但部分单位未按规定为劳动者缴纳社保，或选择保障范围窄、赔 付额度低的商业保险替代社保。 此外，保险机构在新业态保险产品设计、展业等环节也暴露多 ...

保险强制搭售、核保宽进严出、交易架构嵌套、技术性免责……4月28日，北京金融法院召开"依法保障 新业态劳动者保险权益"新闻发布会。北京金融法院党组成员、副院长宋毅在会上指出，新业态保险纠 纷中，多主体之间矛盾交织，互联网平台、第三方用人单位、保险机构、劳动者均存在不同程度的问题 和短板。对此，北京金融法院提升专业化审判效能，探索"全链条"协同治理路径。 据北京金融法院党组成员、副院长宋毅通报，2021年建院以来，北京金融法院受理保险纠纷二审案件 1796件，标的总额超过21.88亿元，涉及新业态劳动者保险权益纠纷占比15.92%。在新业态保险纠纷二 审案件中，意外伤害保险合同纠纷、雇主责任险纠纷、保险人代位求偿权纠纷为主要纠纷类型。保险机 构、被保险人上诉的占比相当，但从裁判结果来看，新业态劳动者及用人单位的胜诉率较高。 为做好新业态经济创新发展与劳动者权利保障，北京金融法院近年来持续提升专业化审判效能。在更新 审判理念方面，践行"穿透式"审判和平等保护理念，在案件审理中对主体、资金和交易链条及结构全面 审查。在优化审判机制方面，组建新业态保险纠纷专业合议庭，成立保险业专业政策调研团队，创建民 营企业产权保护 ...