The "catering insurance" pioneered by Huaan Company in China has attracted the attention of many operators: What is the scope of insurance? How to insure and how to settle claims? Does it have practical significance for restaurants and consumers?

at the beginning of this year, Hua' an Insurance took the lead in launching a "diners' peace of mind" insurance coverage in China, which immediately triggered a strong response in the catering industry. So far, more than 211 catering enterprises in Jiangsu have purchased this insurance, and well-known catering enterprises such as Rudong Laishun and Quanjude in Beijing have also joined the ranks of purchasing insurance, followed by many catering enterprises in Hunan and Chongqing. Why can a catering insurance set off such a lively response? The reporter conducted a related interview on this.

Hua' an: insurance covers most risks of catering business

Hua' an comprehensive insurance for catering industry is a comprehensive insurance package tailored for catering industry, which includes six types of insurance: catering place liability insurance, property loss insurance, business interruption loss insurance, employer liability insurance, cash insurance and catering place parking lot liability insurance, and can be purchased according to actual needs.

However, at present, it is its main type of insurance-liability insurance for dining places, also known as diners' peace of mind insurance. This type of insurance includes five kinds of liability for compensation caused by accidents to diners: first, fire and explosion; Second, food poisoning, including poisoning by others; The third is falls, burns, bumps and bruises; Fourth, elevators and lifts have accidents during normal use; Fifth, accidents occurred in billboards, neon lights and decorations.

As the first insurance with strong pertinence for catering enterprises in China, Huaan "Diner's Peace of Mind" insurance has been widely concerned since its birth. Huaan said that the insurance is specially designed for the risks of the catering industry, and has covered most of the risks of the catering owners in their operations. However, not all the losses incurred in dining in restaurants are compensated by insurance companies. These important issues include: food and drinks mixed with foreign bodies, other food-borne diseases such as diarrhea, take-away food or drinks, property loss of diners, cash stolen during business, cash in transit, risks of employees on their way to and from work, medical expenses for employees' injuries, and stolen vehicles. Among them, foodborne diseases refer to diseases caused by food as the source of infection, that is, diseases caused by eating unsanitary food, such as hepatitis, enteritis, malaria and even plague. These are not covered by the insurance company. The corresponding food poisoning refers to the explosive poisoning caused by bacterial, chemical, fungal and toxic animals and plants, which often manifests as dizziness, vomiting, nausea, etc. Severe food poisoning refers to the serious consequences of poisoning a considerable number of people or serious injuries and deaths caused by poisoning. In addition, the insurance company also has an absolute deductible for 511 yuan. If the loss suffered by the diners is below 511 yuan, Huaan will not pay the claim; If the loss exceeds that of 511 yuan, Huaan will only pay the part above 511 yuan. The relevant person in charge of Huaan Insurance explained that this is mainly to avoid small compensation cases such as diarrhea and peeling, which takes up a lot of human and material resources of the company.

As for the Sudan Red incident that caused a lot of fuss in the city recently, is it a food-borne disease or food poisoning? If there is a pathological event, is it within the scope of compensation of Huaan Company? The person in charge of Hua 'an said: Sudan red is a carcinogen, and long-term consumption may lead to "neurotoxicity", but it will not lead to food poisoning immediately after consumption. If you really eat Sudan red and have food poisoning, it certainly belongs to the compensation scope of diners' peace of mind insurance. The food poisoning we cover, whether it is produced by catering enterprises themselves, the responsibility of suppliers or even poisoning by others, is covered by this insurance. However, the insurance company can obtain the right of recourse from the responsible party according to law after compensation.

In addition, as for the compensation of 511,111 or even tens of millions that has been frequently seen in newspapers recently, it also depends on the amount of insurance purchased by each restaurant. When determining the number of insured shares, restaurants can be different according to the restaurant's business area, daily passenger flow and customer group characteristics, such as diners' occupation, income and claim awareness, in addition to the risk characteristics of restaurants and the technical level of risk management. These factors may affect the probability and degree of accidents, the amount of losses and the amount of claims.

Although the relevant personnel in Hua 'an said that catering insurance has almost covered most risks in the operation of catering enterprises, with the promotion of this product, the product will still be revised in time according to the market reaction and customer demand after the product is launched, and some additional insurance or combined insurance may also be introduced.

restaurants: there are both those who respond and those who wait and see

Up to now, Hua 'an's catering insurance has received strong response from catering enterprises, and even some catering enterprises have put up posters for purchasing catering insurance to attract customers. Consumers care about personal safety and their wallets, and restaurants buy bills for consumers' safety. Will that increase the price of dishes? The person in charge of Beijing Donglaishun, who has purchased catering insurance, said that the prices of restaurants are uniform and will not be changed casually. They are doing so entirely in the long run. In addition, Dong Laishun also said that in fact, the probability of accidents such as fires and explosions should be very low. However, taking out such insurance is a reflection of social responsibility, and the restaurant is willing to make great efforts to prevent one in ten thousand risks. At the same time, insurance will also make guests feel more at ease.

Donglaishun's practice is also the same idea of many enterprises that take out catering insurance, but there are many people who are unwilling to take out insurance, and there are more spectators. Some small restaurant business owners think that things like fires and explosions will hardly happen, while food poisoning will not happen once every few years. Once it happens, the insurance company will lose tens of thousands at most, and it is not cost-effective to pay so many insurance premiums every year.

Enterprises of different sizes have different attitudes, including economic reasons and complicated factors in claim settlement procedures. The relevant person in charge of Hua 'an said that the restaurant should report the case to the insurance company at the first time after the accident, and at the same time keep the scene and take measures to prevent the loss from further expanding. At the same time, it is necessary to produce as many as 11 documents, including fire protection certificates, certificates from public security organs, accident investigation reports from industry authorities or impartial appraisal institutions. Small businesses are afraid of costs and troubles, and of course they are not willing to take out insurance.

however, without the above complicated procedures, catering insurance will be easily exploited maliciously, which is also a last resort from the perspective of the overall market.

experts: there are different opinions on whether there are any new ideas

the new thing of catering industry insurance has attracted the attention of all parties, and experts engaged in catering research are more concerned about whether this product can bring practical effects to the industry. Professor Liu Xue Zhi from Sichuan Cuisine College believes that this is a good measure for the catering industry to strengthen self-protection. In developed countries, both individuals and enterprises have a strong sense of participating in social insurance. Insurance is an enterprise behavior of social mutual assistance. Hua' an's entry into the catering industry has filled the gap in the insurance of the catering industry and brought new economic growth points to itself, which is a good thing for society and itself. However, there is a common problem in the insurance industry that it is difficult to pay compensation. The promise is good, but the cash is not active, the action is slow, and the compensation is incomplete. There is a big gap between this and the operation of developed countries. In fact, as long as the worries of the insured are truly solved, the interests of the insured are truly safeguarded in dealing with the compensation issue, and the action is rapid and clean, the amount of insurance will increase greatly. Every payment to the insurance company is a loss, but every payment is the best advertisement of the insurance company. As long as you do this word-of-mouth advertisement beautifully, the amount of insurance will go up. The insurance industry is successful by quantity, and as long as there is quantity, insurance companies will certainly benefit from it.

in his opinion, the safest thing is to strengthen the safety awareness and management of enterprises themselves. No health accidents, fire and other safety accidents are the best insurance. Even if you buy insurance, an accident still has a great impact on the social and economic benefits of the enterprise, and it is very troublesome to spend a lot of energy to deal with the accident. Moreover, the insurance company is unlikely to pay 111%.

Chen Xuezhi, deputy secretary-general of China Food Culture Research Association, thinks that the comprehensive insurance for catering industry carried out by Huaan Insurance Company has nothing new in terms of insurance types. In fact, all major insurance companies in China have already started public liability insurance business in public places and public liability insurance business in catering industry. The comprehensive insurance introduced by Huaan Company for the catering industry this time only combines property loss insurance and economic liability insurance. You can choose both property loss insurance, such as restaurant fire insurance, and liability insurance, such as food poisoning and customer falls. This is just like choosing meals and eating set meals independently in the catering industry. Among many varieties, you can buy them either in sets.

Chen Xuezhi pointed out that for customers, whether restaurants are insured or not is not their concern. What the customer cares about is whether the facilities, conditions, price and other factors of the catering enterprise can meet his dining needs. If your restaurant is insured, customers will flock to it, and everything will be relieved. Because restaurant insurance is only the transfer of economic responsibility, it is the compensation behavior after the accident, not the guarantee of food safety. Food safety is restricted by many factors, such as raw materials, processing links and so on, and its accidents also have their own characteristics of uncertainty and unpredictability. Customers will not take any risks at the expense of their health or even their lives. What's more, catering enterprises, regardless of whether they are insured or not, should be responsible once an accident occurs, and enterprises can't escape.

Although there are different opinions, most experts and scholars still affirm the prospect of Hua 'an catering insurance. They believe that the business launched by Hua 'an Company for the catering industry this time is a kind of well-conceived target market operation. It has chosen a relative target market for the catering industry and combined thousands of insurance clauses of various types that are difficult for ordinary people and even Chinese majors to understand, which will undoubtedly promote the further development of the catering insurance market and is also a "literacy" for the catering insurance market. If it is done well, its business space will be great.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.