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在《消防法》中鼓励和引导发展火灾公众责任险、用市场机制和经济手段解决公众聚集场所和易燃易爆危险品经营性场所(单位)、个人的火灾责任赔偿,保障公民合法权益。为确保保险行业认真履行火灾公众责任险工作职责,保障被保险单位、个人依法享有的权利,本文从五个方面提出对保险行业的建议,期望保险行业在火灾事故发生前加强对投保单位和个人的消防安全监督管理和消防宣传教育工作,督促单位自觉整改火灾隐患,预防火灾事故的发生;期望保险行业在火灾事故发生后主动履行火灾公众责任险的义务,第一时间对投保单位和个人进行经济补偿和相关帮助。通过以上手段提高投保单位和个人的火灾风险管理水平,预防和化解因火灾事故而才造成的社会矛盾,减轻和避免火灾事故后政府在人力和经济上的负担。
In the “Fire Prevention Law” to encourage and guide the development of fire public liability insurance, with market mechanisms and economic means to solve public gathering places and flammable and explosive dangerous goods business establishments (units), personal fire liability compensation, protect the legitimate rights and interests of citizens. In order to ensure that the insurance industry conscientiously fulfill its duties as a public liability insurance for fire and protect the rights enjoyed by the insured units and individuals in accordance with the law, this paper proposes suggestions for the insurance industry from five aspects and expects that the insurance industry should step up its efforts to insure the insurance units and individuals before the fire accident occurs. Supervision and management of fire safety and fire prevention publicity and education work, urging the unit to rectify the fire hazards consciously to prevent the occurrence of a fire accident; expect the insurance industry in the event of a fire accident to fulfill the obligation of public liability fire fire, the first time on the insured units and individuals Economic compensation and related help. Through the above measures to improve the insurance unit and individual fire risk management level, to prevent and resolve the social conflicts caused by the fire accident, reduce and avoid the fire and the government’s financial and human burden.