Frequency is the red light of food safety expert calls for enforcement of product liability insurance

For businesses, product liability insurance in addition to shifting economic compensation liability, can also help businesses quickly and in a timely and properly dealt with after the chuxian claims, access to professional legal assistance insurance company, credibility and reputation of maximum protection products, and normal production and operation as soon as possible. For consumers, directly to obtain the appropriate compensation from the insurance company to avoid bankruptcy and inability to the issue of compensation, and to protect the legitimate rights and interests of consumers. Recommended reading insurance weekly: variable amount annuity pilot started Beijing Shanghai five city first wins insurance enterprises violations promotions penalty 500,000 insurance ring "Wang yawei" emerge surface exaggerated income does not to risk silver insurance disputes constantly should first to family "pillar" Shang foot insurance regardless of from lost insurance is zehui Shi Qiming jointly immortal see disk build boutique lecture from beef cream to lime chicken, from double meeting lean precise and penetrating Shanghai dyeing steamed bread, recent appears of series of food security problem again caused has people of height concern. How to prevent similar incidents from happening again? Insurance specialist in an interview with the economic information daily, a reporter said that in addition to exercising strict control over product quality management system, the selection of qualified suppliers, strengthen examination beforehand, implementing the product liability compulsory insurance system can be effective in reducing an important instrument of food safety problems. Endless stream of product liability insurance has long been neglected in the face of food safety incidents, many consumers are concerned about food packaging when shopping at the Mall "green" and "exemption", "without adding" and "non-genetically modified" Word, but "this product is insured by an insurance company" logo, still lacks the "review". It can be said that product liability insurance, not only for enterprises is a forgotten corner, for consumers, also did not pay enough attention to. The so-called product liability insurance, refers to the insured the production and sale of merchandise in the insured area accident, users, consumers or the public or personal injury or property damage, economic liability shall be borne by the insured, and the resulting litigation costs, the insurance company within the agreed limits of indemnity claim a liability insurance. It is understood that product liability insurance has been nearly a century of history, is quite common in foreign countries. Product liability insurance in China began in 1980, initially was to meet foreign trade commodities export offer; after 1985 in China's coastal areas of insurance institutions take the lead in bringing product liability insurance to the domestic market, such as electric shock casualty was launched by the Chinese security apparatus, electric blankets, TVs, washing machines, refrigerators, and other product liability insurance. However, although product liability insurance does not count as a new product in the country, but companies insured rate is very low. People in the industry, at home and abroad, there is no specific breakdown of liability relating to product liability insurance, but on average, United States liability insurance in the market not less than 45% per cent of non-life insurance business, but this proportion no higher than 5% in China, as regards product liability insurance must have lower. "One hand, many enterprises holding the chance not to insure increased investment on the other, liability insurance of companies do not realize that by this means, to spread and transfer risk in production and management, and increase their security awareness, avoid a major accident and lead to the production order have been severely damaged. "Zurich insurance company insurance product Chai Yibo reporter of the economic information daily said. Looking forward to more enterprises into international practice to mitigate market at home and abroad about China's food security crisis of confidence, a few days ago, Office of food safety, and other departments of the State Council jointly issued a notice requiring severely crack down on illegal food add behavior, the industry believes that this may cause the product liability insurance into more people's attention. "Some food production and sales as well as insurance intermediaries in the near future to consult the company number of product liability insurance, more than before, the company is also actively engaged. "One foreign casualty company liability credit insurance Department official told reporters," but on the whole, we will cover product liability insurance customers, mostly joint ventures or foreign-funded enterprises, their relatively strong insurance awareness; parts exclusively from domestic exports to the United States, and Canada, European enterprises, upon the request of foreign buyers will purchase the appropriate product liability insurance. "" In a foreign country, in the course of food processing enterprises in the selection of suppliers, vendors have appropriate insurance company's insurance products, was as one of its products are subject to a qualified. "Chai Yibo, said one of the reasons for this is mainly due to when the insurance company issued an insurance policy, are subject to strict underwriting. Insurance companies underwriting insurance purchase applications submitted by the officers for food processing enterprises, has strict auditing procedures for food safety certification system is sound, and administrative procedures for food safety inspection system compared insurance companies more valued food enterprises in the procurement of raw materials, production, packaging and transport of international norms, may cause harm to the public in particular detail, more the focus of the insurance verification checks. It is understood that product liability insurance are based on sales as accounting standards. For example, a sales of 50 million Yuan food producer, assuming that the rate is 0.3%, it only needs to pay RMB 150,000 a year premium, you can receive millions of protection, this is undoubtedly more than retained risk to ensure the stability of the cash flow of enterprises. Second, buy products liability insurance, in addition to financial compensation, also according to the insurance contract by the insurance company directly involved in the defence to proceedings for the insured to provide professional services. The so-called defence, refers to the insurance company will provide the insured with local legal defence service, this is particularly applicable for many exporters. Appeal to force through legislation to purchase liability insurance, international experience is usually to force through legislation to promote, to protect the interests of the general public had been violated to obtain sufficient insurance. Compulsory liability insurance in China already has a track to follow, in the Shanghai market, refer to the strong insurance and travel insurance on responsibility insurance rates had reached 100%, fire and public liability insurance also carried out very smoothly. Therefore, Chai Yibo believes that product liability insurance also forced necessity and feasibility of implementation. After this event of an accident, the insurance company will be the first time to settle, injured people can receive timely medical treatment and compensation; compulsory insurance can insure safe production in enterprises with a certain degree of supervision and prevention capabilities in advance to make sure that they will risk management throughout the whole process of production, sales, so as to provide against possible trouble;In addition, the problems enterprises in the case of insurance companies for payment in a timely manner, you can avoid a management dilemma and burgeoning insurance company for payment in a timely manner, can give important support to the Government, reduce the burden on the aftermath of the Government. This year's "two sessions" during the Chinese insurance group Chairman and Chief Executive Wu Yan is also raised in the motion should be carried out in the field of children's food, health food, pilot and explore ways of establishing mandatory liability insurance system of food safety, improve food quality and safety monitoring system, safeguard the vital interests of the consumers. Concrete can be used in two ways: one is to amend the new food safety law, to include food safety liability compulsory insurance; second, separate legislation, refer to the motor vehicle road accident responsibility compulsory insurance Ordinance, the establishment of the compulsory liability insurance Ordinance of food safety. However, some experts pointed out that, because of product liability insurance business involving the production, distribution, sale and other risk aspects, action intervention even after the accident, which requires insurance companies to have a professional standard of risk management. However, the relatively weak domestic property casualty company of universal loving professional motor insurance business, most of the small and medium sized Casualty Company does not currently have the professional strength, no separate liability insurance sector. Even now have food production enterprises want to insure food safety insurance, it is difficult to obtain professional risk services, which may also be present one of the reasons for the low rate of the insurance cover. Therefore, the experts recommended as insurance companies of the market, you should first perfect team-building, undertake obligations for the cultivation of the market, rather than, as now, waiting passively for the Government sector law to promote, they enjoy. Claim common sense on liability insurance claims, Mayer property insurance reminds businesses consider the following: first, when aware of the accident or received any claims or court shall immediately notify the insurance company by telephone or facsimile or your broker/agent. Second, fill out the application form provided by insurance companies that claim, together with other relevant information required by insurance companies returned to the insurance company. Third, if circumstances allow, as far as possible on the State of the scene of the accident and loss of property or injured injury to shoot. Four names of the parties involved, provide accident (or name), relationships, heads and contact methods. If product liability claims, please assist identification to confirm the related products and technologies. Five, if necessary, the insurance company may assign or delegate its claims or independent loss assessment personnel to investigate the incident and the loss. Investigators will inform referred to above should take immediate measures and for further information. Six, such as legal proceedings, immediately received a court summons or other claim documents to the insurance company. Seven, without the written consent of the insurance companies do not undertake responsibility for the accident or settle for the loss. Eight, if the accident was caused by a third party, please reserve the right to investigate third-party liability. Claims case United States old sued car companies millions of dollars compensation for United States of a old lady driving holiday car, cruise constant speed driving on the highway. In order to perk up, she "unmanned" ran to the car after car coffee drink, final sustained multiple fractures caused by traffic accidents. After recovery, she will sue car manufacturers Court because they did not in the manual of the car to her instructions prohibiting removal of disk drive, cannot be left to one side the steering wheel to make coffee! Finally, the Court decision automobile manufacturers needed to pay the woman more than 30 million dollars compensation. Cat was placed into microwave oven manufacturer compensation millions of dollars one alone home of United States old lady raising has a only cat, day to cat wash finished bath Hou, to as soon as possible let cat of hair variable dry, so will cat placed into has microwave oven; and another one old lady raising has a only dog, day dog made high fever, playing has needle still does not back, so old lady will dog placed into has refrigerator, cat and dog of fate imagined. Loss of love and love of dogs and cats each of the two old lady suing manufacturers. Reason is that on the manufacturer's description of production does not mention the animal are not allowed to be placed into the appliance. Results, court decision makers take millions of dollars in compensation. Short circuit of electric iron fire c $ 2 million awarded Canada a recent judgment of the Ontario Court of small household electrical appliances (irons) importers to consumers $ 2 million in compensation to compensation due to third-party fire caused by short circuit of electric iron loss. Three children eat jelly children choked to death on the recovery of millions of dollars to eat jelly events occur leading to choked to death, in the United States in California, three children ate China Taiwan manufacturers produced jelly leading to death. Results, court manufacturers three victims US $ 117 million of compensation (including punitive damages), resulting in manufacturers declared bankruptcy, after which consumer and seller of prosecution and, finally, get the jury up to more than 50 million dollars in compensation.