China Insurance Regulatory Commission (CIRC) has investigated the insurance situation of shopping malls in more than a dozen big cities in China, and found that more than 91% of the operators are not insured with public liability insurance.
according to the introduction of the municipal fire bureau, in 2115, there were 2,943 fires in * * * in our city, with 29 deaths and 38 injuries. The economic loss reached 4.98 million yuan. Among them, "six small places" such as small restaurants, canteens, small Internet cafes, small factories, rental houses and small entertainment places have become high-risk places for fire cases. Most of these places are not insured.
in the traditional fire disaster treatment mode, because public liability insurance is basically not insured in public places, and the business unit is unable to bear the compensation responsibility for the fire victims after the fire, the government often "covers the bottom" for post-disaster relief and economic compensation for the casualties. It not only increases the financial burden of the public, but also fails to guarantee the life and property of the public. The implementation of compulsory fire public liability insurance is to ensure the damage compensation of the injured public through compulsory insurance.
Shenzhen is one of the six pilot cities
The State Insurance Regulatory Commission and the Ministry of Public Security have listed Shanghai, Shenzhen, Tianjin, Jilin, Chongqing and Shandong as pilot areas for fire public liability insurance. Shenzhen is in full swing to prepare for the investigation and legislation of compulsory fire public liability insurance.
According to relevant sources, at present, the property insurance of various insurance companies covers a wide range, including fires, floods and accidents, and the determination of rates is complicated. In developed countries and regions, fire and flood are separate clauses, with clear scope of responsibility and quick settlement. The imminent implementation of compulsory fire public liability insurance will undoubtedly add another barrier to Shenzhen public's life and property protection.
in order to effectively prevent the occurrence of group deaths and group injuries, reduce post-disaster risks, and ensure the safety interests of the public, from this month, the public liability insurance for fires will be implemented in five categories of crowded places, such as shopping malls, hospitals, schools, public libraries, passenger stations, inflammable and explosive chemicals, and inflammable and explosive chemical dangerous goods places in our city.
5 major places are included in the scope of insurance
According to the relevant person in charge of PICC, fire public liability insurance is an insurance with the insured's legal liability for damages to third parties caused by fire as the insurance subject. After the implementation of fire public liability insurance, the compensation expenses will be passed on to the insured insurance companies, which will reduce the financial burden of the public, and the market mechanism will bear the risks. Many operators are lucky and unwilling to pay for insurance. According to the relevant notice just issued by the Provincial Insurance Regulatory Bureau and the provincial public security department, insurance will be promoted in a "semi-compulsory" way.
from this month, public liability insurance for fire will be implemented in five categories of places. First, public gathering places, including shopping malls, supermarkets and indoor markets with a building area of more than 211 square meters and dealing in combustible goods; Hotels with more than 51 beds, dining places with more than 51 seats or dining area of more than 211 square meters; Public places of entertainment with a construction area of more than 211 square meters, including nightclubs, dance halls, video halls, theaters, karaoke halls, amusement halls, teahouses, Internet cafes, bowling alleys, roller skating rinks, gymnasiums and saunas; Public stadiums and auditoriums; A public gathering place located in an underground building. Second, hospitals, nursing homes, nurseries, kindergartens and schools with more than 51 beds. Third, public libraries, exhibition halls, museums and archives. Fourth, passenger stations, docks, civil airports and subways. Fifth, inflammable and explosive dangerous chemicals, including commercial gas stations and liquefied gas supply stations; Chemical warehouses and storage tanks; Stores dealing in chemicals with a building area of 51 square meters or more; Factories that produce chemicals, etc.
The maximum compensation for each victim is million
If the injured person in the accident participates in insurance in advance, the liability, especially the liability for economic compensation, can be shared by the insurance company. It is understood that all property insurance companies in our city can engage in fire public liability insurance business, and the rate is based on the existing rates of each company. For units with small fire hazards and low accident probability, a rate floating mechanism will be implemented.
The fire public liability insurance launched this time has also determined the minimum compensation limit standard. Such as shopping malls, supermarkets and indoor markets of 211-511 square meters, the limit of each accident and accumulated liability for compensation is 3 million yuan. This time, the minimum insurance standard has been set: the minimum insurance amount is 2 million yuan and the maximum is 8 million yuan. After the public places are insured with fire public liability insurance, if there is a fire, the insurance company will compensate each victim up to one million yuan. The loss of inventory of stall operators in shopping malls, supermarkets, etc., each person can also get the economic compensation of up to 1,111 yuan. If the area of the public gathering place located in the underground building is less than 211 square meters, the minimum liability for each accident and accumulated compensation shall be insured at RMB 2 million.
Public security fire control will urge insurance
Although it is not compulsory insurance, the fire department will urge five categories of places to focus on insurance. The public security fire department will supervise and urge the insurance through various means, such as the examination, acceptance and pre-opening inspection of fire protection design of building projects, and take the fire public liability insurance as one of the contents of daily fire supervision and inspection. Wang Ying, a reporter from Shenzhen City, reported that the Draft Regulations on Fire Protection in Shenzhen Special Economic Zone was submitted to the 28th meeting of the Fourth Standing Committee of Shenzhen Municipal People's Congress for deliberation yesterday. Compared with the old version, the Regulations clearly stated that public gathering places would need to participate in compulsory fire public liability insurance. Last year's Nanshan fire and Longgang fire caused heavy casualties, which also prompted Shenzhen to propose amendments to the Fire Protection Regulations of Shenzhen Special Economic Zone, which has been formulated and implemented since 1999. The draft Regulations submitted to the Municipal People's Congress for deliberation yesterday proposed for the first time that public gathering places should participate in compulsory fire public liability insurance and encourage other units to purchase fire public liability insurance. In this regard, the Municipal People's Congress considered that this provision is conducive to further strengthening the fire safety awareness of the management units of public gathering places. As one of the pilot cities, this practice is in line with the reality of Shenzhen. It is planned to be limited to entertainment places of more than 211 square meters. In the deliberation of the Regulations, the National People's Congress held that this expression was defined broadly, and it was suggested that the scope of compulsory fire public liability insurance should be narrowed appropriately. It can be stipulated that fire public liability insurance should be purchased in crowded public entertainment places, such as cinemas, dance halls, Internet cafes, hotel business units, etc., and then other provisions should be made when the time is ripe. The reporter learned from the relevant departments specifically responsible for this matter that at present, the compulsory fire public liability insurance plan is limited to the pilot implementation of nightclubs, dance halls, theaters, karaoke bars, clubs, amusement halls, bars, teahouses, Internet cafes, saunas, spa rooms, bowling alleys, billiards rooms, fitness clubs and other public entertainment places with a building area of more than 211 square meters. Operators of insured places can choose fire public liability insurance with different insurance amounts according to their own business scale and risk degree, but the basic insurance liability limit for personal injury to third parties is not less than RMB 211,111 per person (including death, disability and medical assistance). Decoration materials need to be inspected. Because the previous 9.21 fire in Longgang was caused by the flame igniting the ceiling of flammable materials, the revised Regulations, after learning the lessons from the Longgang fire accident, proposed to ensure that the decoration materials in crowded places meet the national standards. Decoration construction units or construction units should send the materials to institutions with inspection qualifications that meet the product quality laws and regulations for inspection, and they can only be used after passing the inspection. Public security fire control institutions will conduct regular spot checks. In addition, in order to solve the shortage of the existing fire fighting police force and give play to the socialized fire fighting mechanism, the Regulations also propose that organs, organizations, enterprises and institutions are allowed to entrust safety fire fighting management service agencies to carry out fire fighting safety management and maintain fire fighting equipment. In addition, without property services, property owners and users can also entrust fire safety management services to provide fire safety services. In terms of fire control law enforcement, the Regulations clearly state that public security fire control institutions should order immediate elimination or rectification within a time limit for fire hazards found during inspection. If the hidden dangers are not eliminated in time, which may threaten the safety of the public, fire control institutions can take sealing measures for dangerous parts or places in accordance with laws and regulations, and can only lift the sealing up after confirming the elimination of hidden dangers. The compulsory fire public liability insurance scheme is limited to public entertainment places such as nightclubs, dance halls, theaters, karaoke bars, clubs, amusement halls, bars, teahouses, internet cafes, saunas, spas, bowling alleys, billiards rooms and fitness clubs with a building area of more than 211 square meters. Operators of insured places can choose fire public liability insurance with different insurance amounts according to their own business scale and risk degree, but the basic insurance liability limit for personal injury to third parties is not less than 211,111 yuan per person (including death, disability and medical decoration materials). Because the previous Longgang 9.21 fire was caused by the flame burning the ceiling of flammable materials, After learning the lessons from the Longgang fire accident, the revised "Regulations" put forward to ensure that the decoration materials in crowded places meet the national standards, and the decoration construction unit or the construction unit should send the materials to the institutions that meet the product quality laws and regulations and have inspection qualifications for inspection, and they can only be used after passing the inspection. The public security fire control institutions will conduct regular spot checks. In addition, in order to solve the shortage of the existing fire fighting police force and give play to the socialized fire fighting mechanism, the Regulations also propose that organs, organizations, enterprises and institutions are allowed to entrust safety fire fighting management service agencies to carry out fire fighting safety management and maintain fire fighting equipment. In addition, without property services, property owners and users can also entrust fire safety management services to provide fire safety services.