Earlier this year, Hua An Insurance was the first to launch a "diners at ease" insurance coverage in China, immediately triggering a strong response in the catering industry. So far, more than 200 catering enterprises in Jiangsu have purchased this insurance, Beijing, such as Donglai Shun, Quanjude and other well-known catering enterprises have also committed to the ranks of the purchase of insurance, followed by Hunan, Chongqing and other places there are a number of catering enterprises to move. Why a restaurant insurance can set off such a lively response? The reporter conducted an interview about it.
Huaan: insurance covers most of the risks of catering operations
Huaan catering industry comprehensive insurance is tailor-made for the catering industry, focusing on building a comprehensive package of insurance, which includes catering establishments liability insurance, property damage insurance, business interruption loss insurance, employer's liability insurance, cash insurance, catering establishments parking lot liability insurance, six types of insurance, you can choose to buy according to the actual needs. need to choose to buy.
But it is its main type of insurance, liability insurance for catering establishments, also known as diners' peace of mind insurance, that is currently attracting a lot of attention in the catering industry. This type of insurance includes five kinds of accidents caused by liability to diners: first, fire, explosion; second, food poisoning, including poisoning by others; third, falls, burns, bumps, smashes; fourth, elevators, elevators in the normal use of the process of accidents; and five billboards, neon lights, decorations, accidents and so on.
As the first type of insurance in China with a strong focus on catering companies, Hua An's "diners' peace of mind" insurance has attracted a lot of attention from the moment it was launched. Hua An said the insurance is specially designed for the risks of the restaurant industry and already covers most of the risks that restaurant owners face in their operations. However, the insurance company is not responsible for all damages incurred while dining in a restaurant. Some of these important exclusions include: food and beverage adulteration with foreign substances, other foodborne illnesses such as diarrhea, take-out food or beverages, property damage to diners, theft of cash during business hours, cash in transit, risks to employees on their way to or from work, medical bills for injuries sustained by employees, and theft of vehicles. Foodborne illnesses, among others, are illnesses caused by food as a source of infection, i.e., illnesses caused by eating unhygienic food, such as hepatitis, enteritis, malaria and even bubonic plague. These are not covered by insurance companies. Food poisoning, on the other hand, refers to bacterial, chemical, fungal and toxic plant and animal poisoning, often characterized by dizziness, vomiting, nausea, etc. Serious food poisoning refers to the poisoning of a considerable number of people or the serious consequences of serious injuries and deaths due to poisoning. In addition, the insurance company also has an absolute deductible of 500 yuan, if the loss suffered by the diners is less than 500 yuan, Hua An will not claim; if the loss exceeds 500 yuan, Hua An will only pay out the part of 500 yuan or more. The person in charge of Huaan Insurance explained that this is mainly to avoid small claims like diarrhea and rubbing skin, which take up a lot of the company's human and material resources.
As for the Sudan Red incident that has been making the rounds lately, does it belong to foodborne illness or food poisoning? If there is a lesion incident, whether it belongs to the scope of compensation for Hua An company? The person in charge of Hua An said: Sudan Red is a carcinogen, long-term consumption may lead to "neurotoxicity", but will not lead to food poisoning immediately after consumption. If food poisoning occurs after consuming Sudan Red, it certainly belongs to the compensation scope of Diners' Peace of Mind Insurance. The food poisoning that we cover, whether it is produced by the catering company itself or the responsibility of the supplier or even poisoning by others, is covered by this insurance. However, the insurance company can legally obtain a right of recovery from the responsible party after compensation.
Additionally, as for the compensation of $500,000 or even up to tens of millions of dollars, which has been in the news recently, it is also based on the number of insurance policies purchased by each restaurant. In determining the number of insurance policies, restaurants can vary according to the size of their business premises, daily customer flow and the characteristics of their customer base, such as the occupation, income and claims awareness of diners, etc. In addition, it also depends on the risk characteristics of the restaurant as well as the technical level of risk management, which may affect the probability and extent of accidents, the size of the loss amount as well as the amount of the claim.
While Huaan officials said restaurant insurance has almost covered most of the risks in the operation of restaurants, the product will still be revised in a timely manner according to the market response after the launch of the product as well as the needs of customers as the product moves forward, and there is a possibility of launching some additional types of insurance or a combination of types of insurance.
Restaurants: echoed by those who watched both
So far, Hua An's restaurant insurance has been a strong response from the majority of catering companies, and even some catering companies have put up posters that have purchased catering insurance in order to recruit customers. While consumers are concerned about their personal safety, they are also concerned about their wallets. Restaurants have paid for consumers' safety, so will they raise the price of their dishes? Has purchased restaurant insurance Beijing Dong Lai Shun responsible person said, restaurant prices are uniform, will not casually change, they do this entirely from the long-term consideration. In addition, Dong Lai Shun also said, in fact, like fire, explosion and other accidents should be very low probability. However, taking out such insurance is a reflection of social responsibility, and the restaurant is willing to use 10,000 percent of the effort to prevent the risk of one in 10,000 percent. At the same time, taking out insurance will also make guests feel more at ease.
Dong Lai Shun's approach is also many of the restaurant insurance business **** the same idea, but there are Dong Lai Shun this kind of righteous insurance, there are also more wait-and-see. Some small restaurant business owners believe that fires, explosions and other things basically will not happen, and food poisoning, how many years will not happen once, happen once the insurance company will pay out tens of thousands of dollars at best, and pay so much insurance premiums every year, it is not cost-effective.
Enterprises of different sizes have different attitudes, which have economic reasons, but also the complexity of the claims process. Huaan said that after the accident, the restaurant should be the first time to report to the insurance company, while retaining the scene, and take measures to prevent the further expansion of losses. At the same time, it is also necessary to present up to 10 documents, including fire certificates, certificates from public security organs, and accident investigation reports from industry authorities or impartial appraisal organizations. Small businesses are afraid of the cost and the hassle, of course, will not be happy to insure.
However, without the above complicated procedures, catering insurance is also vulnerable to malicious loopholes, which is a last resort from the overall market point of view.
Experts: there is no novelty to say different
The catering industry insurance this new thing, attracted the attention of all parties involved in the catering research experts are more concerned about this product on the industry can bring the role of actuality. Sichuan Culinary Institute Professor Liu Xuezhi believes that this is the catering industry to enhance self-protection of a better initiative. In developed countries, both individuals and enterprises have a strong sense of participation in social insurance. Insurance is a kind of entrepreneurial behavior of social mutual assistance. Huaan's entry into the catering field fills the gap of insurance in the catering industry and brings itself a new economic growth point, which is a good thing for both society and itself. However, there is now a common problem in the insurance industry that it is difficult to pay out, with better promises, but unsolicited and slow actions to fulfill them, and incomplete payouts. This is a big gap with the operation of the developed countries, in fact, as long as the real solution to the insured's worries, in dealing with the issue of claims, the real protection of the interests of the insured, and act quickly and cleanly, the amount of insurance will increase dramatically. The insurance company loses money on every claim, but every claim is the best advertisement for the insurance company, and as long as the word-of-mouth advertisement is done properly, the number of insured will go up. The insurance industry depends on volume to be successful, and as long as there is volume, the insurance company is bound to reap the benefits.
He believes that the safest thing to do is to strengthen the safety awareness and management of the enterprises themselves. The best insurance is when there are no health, fire or other safety incidents. Even with insurance, accidents still have a greater impact on the social and economic benefits of enterprises, but also spend a lot of energy to deal with the accident is very troublesome. In addition, the insurance company is unlikely to pay 100% of the compensation.
Chen Xuezhi, deputy secretary-general of the China Food Culture Research Association, believes that China Insurance Company to carry out comprehensive insurance for the catering industry, from the point of view of the insurance varieties, there is no great novelty. In fact, the country's major insurance companies have long been operating public **** place public liability insurance insurance business and catering industry public liability insurance business. The Chinese company launched a comprehensive insurance for the catering industry, just the property damage insurance, financial liability insurance insurance insurance into one, you can choose both the property damage insurance, such as restaurant fire insurance, but also choose liability insurance, such as food poisoning, customer falls, etc., which, as in the catering industry to choose their own meals and eat packages, in the many varieties, you can either buy or set of purchase.
Chen Xuezhi pointed out that, for customers, the restaurant is insured or not, is not something they care about. Customers are concerned about the restaurant's facilities, conditions, prices and other attributes of the restaurant business factors, whether it can meet his dining needs. Not your restaurant insured customers tend to rush, everything is assured. Because the restaurant insurance is only the transfer of financial responsibility, is the accident compensation behavior, rather than food safety assurance. Food safety by raw materials, processing and many other factors, the accident also has its confusion characteristics, can not be predicted. Customers are not going to take any harmful to their own health, or even life as the price to go before the risk of trying. Moreover, no matter whether the catering company is insured or not, once an accident occurs, it is the responsibility of the enterprise, and the enterprise is not to escape from the responsibility.
Despite the divergent views, most experts and scholars are still on the prospects of Huaan catering insurance to give affirmation, they believe that Huaan company launched this business for the catering industry, is a kind of quite a conception of the target market operation, it chose a relative catering industry target market, will be the general public and even the study of the Chinese language professionals are difficult to read and understand the insurance terms of the various types of insurance out of a combination of This will undoubtedly promote the further development of the catering insurance market, and is also a "literacy" of the catering insurance market. If you do a good job, the business space will be very large.