论文部分内容阅读
安全生产责任保险是在综合分析研究工伤社会保险和各种商业保险的基础上,推出的一种带有一定公益性质的,采取政府推动,立法强制实施,由商业保险机构专业化运营的新的保险险种和制度。这种保险制度是为企业提供在生产经营过程中发生生产安全事故,造成企业员工人身伤亡、致残和救援等经济补偿保障。我省推行安全生产责任保险工作已有2年时间了,先后有上千家企业为员工投保了安全生产责任保险,保险公司为企业提供了近百亿元的安责险保障。有效地维护了投保企业自身和员工的合法权益。但是,从安责险的承保率看,已投保企业占应保企业的比例还很低,大多数企业对投保安责险工作还没有重视起来。一些企业把安责险视同为雇主责任保险或意外伤害保险等普通商业保险,对安责险的意义及对企业安全发展的作用不了解,对投保安责险后可以免交或退还风险抵押金的相关政策不清楚,甚至还有相当一部分企业根本就不知道在高危行业企业应当投保安责险。为此,本期从多个角度向您全方位介绍安全生产责任保险,希望您对安责险能有新的了解。
On the basis of a comprehensive analysis and study of industrial injury social insurance and various commercial insurances, safety liability insurance is a new type of public welfare, government-driven, law enforcement and professional operation of commercial insurance institutions Insurance types and systems. This insurance system is to provide enterprises with production safety accidents in the course of production and operation, resulting in financial compensation for the personal injury, disability and rescue of employees. In our province, we have been working on safety production liability insurance for over two years. Thousands of enterprises have insured production safety insurance for employees. Insurance companies have provided nearly 10 billion yuan of insurance coverage for their businesses. Effectively safeguard the insured enterprises themselves and the legitimate rights and interests of employees. However, from the insurance coverage rate of insurance, insured enterprises accounted for the proportion of enterprises should be insured is still very low, most companies do not pay attention to the insurance risk insurance work. Some companies regard safety risk as common employer liability insurance or accidental injury insurance and other ordinary commercial insurance, the meaning of safety insurance and the role of the safety of enterprises do not understand the insurance risk insurance can be exempt or refund the risk of mortgage Gold’s relevant policies are not clear, and even a considerable portion of enterprises simply do not know that enterprises in high-risk industries should be covered by insurance. To this end, this issue from all angles to you from all aspects of production safety liability insurance, I hope you have a new understanding of security risks.