S new "Fire Act" public liability insurance policy of fire
The state shall encourage and guide public gathering places and the production, storage, transportation, sales inflammable and explosive dangerous goods, insurance companies Fire Public liability insurance; encourage public liability insurance, fire insurance underwriting.
Set phrase of this section is to encourage and guide the fire of public liability insurance requirements
This article aims to encourage and guide the development of fire, public liability insurance, use of market mechanisms and economic instruments to address the public gathering places and the production, storage, transportation, sales inflammable and explosive dangerous goods, fire liability company. Protect the legitimate rights and interests of citizens, full compensation and liability insurance supporting the economic function of social management and promote increased level of public fire safety and security.
"The People's Republic of China Insurance Law," the 65th fourth paragraph of Article states: "The liability insurance is to be insured against third party liability for law as the object of insurance." Key underwriting public liability insurance the insured premises engaged in the business of production, business or other activities, due to accidents Accident Caused by another person (third party) personal injury, property damage, according to law shall be liable for any financial liability. According to the China Insurance Regulatory Commission, Ministry of Public Security, "to actively promote fire on public liability insurance, strengthen risk management, fire prevention and management of the notice" (the public through [2006] 34), "fire the public liability insurance is based on the insured due to fire damage caused to third parties to meet the liability according to law as the object of insurance. "vigorously develop the fire of public liability insurance, on the one hand, through market-based risk transfer mechanisms, with a commercial solution to the fire, liability, etc. legal dispute, the affected enterprises and people can resume normal production and living order as soon as possible, on the other hand, can also promote the operators to enhance fire safety conditions to improve their own initiative, to ensure the protection of citizens rights and interests of fire safety is a market economy Raising the level of society an important means of fire prevention.
Insurance as a market-based risk transfer mechanisms, social mutual aid mechanism and social management mechanism, under the conditions of market economy and control of the important risk management tool, is the social security system, an important component of modern Financial System an important part, is an important way of social management. Fire by the insurance industry and has a close relationship, both on the ultimate goal of a high degree of consistency, all to better protect personal and property safety, promote economic and social and human development of overall coordination, objectively, has closely , Interaction between the needs and motivation. The fire service and the insurance industry, we should actively develop the fire of public liability insurance, both to promote fire safety: You can also expand the field of the insurance industry, give full play to the insurance industry to protect the interests of the people and promote economic development, social functions, both to enhance fire security objective needs, but also reform the insurance industry development trend. Liability insurance development and economic and social development are closely related. Any society faced with natural disasters, accidents, unexpected events such as various types of risk, people living in long-term production and realized that in addition to natural disasters may cause personal injuries and property damage, the variety of accidents may caused great losses to people's production and caused great destruction of life. Liability insurance has strong public good, in the current types of accidents occur frequently, the wide-ranging background, insurance, liability insurance highlights the economic compensation and social management.
This section, public liability insurance for the fire, the development of a rare development opportunities and broader space for development. Local people's governments, relevant departments and the insurance industry should fully understand the public liability insurance against fire, fire safety, maintenance of public importance, see the development of public fire insurance is a comprehensive systems engineering, not only the insurance industry's own efforts also need the government and related departments and the community support and participation, use of legal, administrative, economic, cultural and other means to guide the public gathering places and the production, storage, transportation, sales inflammable and explosive dangerous goods, and insurance companies Companies adhere to the people-oriented, economic efficiency and social responsibility to organically combine the fire of public liability insurance to develop.
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