重大的火灾事故不仅给出事单位和个人造成了毁灭性的损害，也给保险公司带来了巨大的损失。加强与消防部门的合作，将保险工作由事后赔付提前至对投保单位的把关和对火灾隐患的整改中，这是保险业发展的必由之路。然而，国内的保险公司在这方面一直行动缓慢。在新的时期，国内 A major fire accident not only caused devastating damage to the units and individuals, but also brought huge losses to insurance companies. Strengthen the cooperation with the fire department, the insurance work from the early payment to the insured unit and rectification of fire hazards, which is the only way for the development of the insurance industry. However, domestic insurers have been slow to do this. In the new period, domestic