The types of insurance bought by catering industry are generally employer liability insurance and public liability insurance respectively. The coverage of employer liability insurance includes: during the insurance period, employees of the company suffer from injury, disability or death caused by accidents during their employment, and the insurance company shall be responsible for compensation according to the insurance contract: death compensation, disability compensation, medical expenses, lost time, arbitration or litigation fees paid by the company and other necessary and reasonable payments with the written consent of the insurer in advance. The beneficiary of employer liability insurance is the enterprise, which can transfer all kinds of expenses caused by employees' accidents to the insurance company. The common beneficiary of group accident insurance is the employee himself or his designated beneficiary, and the insurance company cannot exempt the employer from the liability for compensation after paying, which mainly reflects the welfare of the enterprise to the employee. Moreover, the insurance cost of employer liability insurance can be charged to public liability insurance before tax, including: during the insurance period, the insured (enterprise and its employees) engages in production and business activities at the specified place, and the insurance company is responsible for compensation for personal injury or property loss of a third party caused by accidents. Common types of claims: customers accidentally slip and fall, customers are injured by broken glass, customers' articles are damaged by employees, customers are injured by falling objects, and customers are burned and scalded by food and equipment.

Response time: February 5, 2121. Please refer to the latest business changes announced by Ping An Bank in official website.

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