Because the Shanghai Food Safety Regulations, which came into effect in March this year, took the lead in proposing that "high-risk food production and operation enterprises should take the initiative to insure", and for the first time defined the compulsory insurance obligations of high-risk enterprises in the form of regulations, and improved the food safety responsibility management by introducing insurance resources.

Moreover, food safety liability insurance mainly ensures that when food production and marketing enterprises produce and sell food in their business premises, or provide food in line with their business nature on the spot, if consumers suffer from food poisoning or other food-borne diseases due to negligence or negligence, or if consumers suffer personal injury or property loss due to foreign substances mixed in food, the insurance company shall be responsible for compensation according to the insurance contract. The notable features of this type of insurance are "low cost and great guarantee, simple insurance and convenient claim settlement". At the same time, it provides a safety barrier for consumers to "eat" with confidence.

In addition, the basis of food safety punishment is the provision of Item (7) of Paragraph 1 of Article 85 of the Food Safety Law of People's Republic of China (PRC): "In any of the following circumstances, the relevant competent departments shall confiscate the illegal income, illegally produced and operated food and tools, equipment, raw materials and other items used for illegal production and operation according to the division of responsibilities; If the value of food illegally produced and operated is less than 10,000 yuan, a fine of more than 2,000 yuan and less than 50,000 yuan shall be imposed; If the value of the goods is more than 10 thousand yuan, a fine of more than five times and less than ten times the value of the goods shall be imposed; If the circumstances are serious, the license shall be revoked.

Finally, the cross-border cooperation between Zhongan Insurance and Meituan Takeaway is the first application result of the combination of Internet food and insurance products in China. Moreover, the "Online Insurance Platform for Food Safety Liability Insurance" jointly established by Meituan Dianping Group and PICC P&C * * not only gives full play to the technical advantages and platform advantages of Meituan Dianping as an "Internet plus catering" platform, but also promotes the solution to the problem of low insurance coverage rate of food safety liability insurance. On the one hand, the Meituan take-out platform keeps the online transaction records of merchants and consumers, which makes the compensation for food safety issues well-founded and traceable. On the other hand, the cooperation with Meituan Takeaway makes it easier for Zhongan Insurance to reach users and provide practical guarantee services. With the help of online processing mechanism, the efficiency of compensation has been greatly improved, and the efficient operation that could not be achieved before the intervention of internet means has been realized.