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Safe production in hazardous chemicals enterprises is of great importance; safety hazards during production can lead to serious accidents, so it is essential to pay attention to production safety. Work safety liability insurance provides protection for the work safety of production units. Production and operation entities in the eight high-risk industries are required to purchase this insurance. Insurance companies are obligated to assist these enterprises in identifying potential risks and hazards, thereby improving their safety management practices and helping to prevent work safety accidents from occurring. http://p8.itc.cn/images01/20201017/5ffafe8e18b645a19247b50328c405ed.png I. What is work safety liability insurance? Work safety liability insurance (abbreviated as “WSLI”) refers to a type of commercial insurance in which an insurance company compensates for casualties and related economic losses resulting from production safety accidents that occur in the insured business units, while also providing those units with services aimed at accident prevention. II. The two main functions of the “Liability Insurance” as well as the two mandatory functions: accident prevention services ； Compensation for economic losses resulting from the accident. Two mandatory requirements: Enterprises in the eight high-risk industry sectors must purchase \"Safety Liability Insurance\"” ； Insurance companies must provide accident prevention technical services to the insured entities. III. What are the differences between the “Safety Liability Insurance” and other types of insurance? How do they connect? (1) Differences: 1. Different policies – The “Safety Liability Insurance” is a mandatory commercial insurance with a public welfare purpose; production and operation units in the eight high-risk industries are required to purchase it. Moreover, strict regulations must be in place regarding insurance premiums, policy terms, and preventive services. 2. Different functions: The “accident liability insurance” has the function of accident prevention; insurance companies are required to provide accident prevention services to the insured entities, helping them identify potential risk factors and improve their safety management practices, thereby effectively preventing the occurrence of work-related accidents. “Compared to work-related injury insurance and other related insurance types, “accident liability insurance” covers a wider range of people, provides more comprehensive protection, offers quicker compensation, and delivers better preventive services. (II) Coordination 1. Coordination between \"Safety Liability Insurance\" and work-related injury insurance: The economic compensation claimed under safety liability insurance by the insured entity does not affect the right of its employees (including those employed through labor dispatch) to claim compensation under work-related injury insurance in accordance with the law. 2. The integration of the \"safety liability insurance\" with related commercial insurance products: For other insurance types related to work safety that are already purchased by production and operation units, these should be upgraded or adjusted to become safety liability insurance in order to enhance accident prevention capabilities. http://p9.itc.cn/images01/20201017/b991139513cb4caaa9d2da089fdafbce.png IV. Technical services for accident prevention in the context of \"accident liability insurance\" 1. Publicity, education, and training on work safety ； 2. Safety risk identification, assessment, and evaluation ； 3. Identification of potential hazards in production safety incidents ； 4. Construction of safety production standardization ； 5. Preparation and drilling of emergency plans for production safety accidents ； 6. Promotion and application of science and technology for safe production ； 7. Other matters related to accident prevention. V. Forms of technical services for accident prevention in “responsibility insurance”: 1. Relying on in-house professional safety technicians ； 2. Entrust safety production technical service agencies ； 3. Hire external professionals specializing in work safety ； 4. Hire an insurance broker. VI. How should insurance institutions handle potential accident hazards? When insurance institutions identify potential hazards related to production safety during their services, they should promptly inform the insured party in writing ； For major safety hazards, insurance institutions should monitor the company’s efforts to make corrections ； Enterprises that refuse to address major accident hazards should report to the local emergency management department and relevant authorities, and their insurance premiums may be increased in the following insurance year. The insured entity shall, in accordance with the recommendations of the insurance institution, promptly and proactively address any potential safety hazards that have been identified. VII. What are the advantages of insurance institutions in providing accident prevention services? 1. As an independent third party separate from ** and enterprises, insurance institutions can identify more problems and potential risks from a neutral and fair perspective. 2. Insured institutions can consolidate the costs of accident prevention services across a region or even the entire country, thereby achieving economies of scale, reducing service costs, and obtaining better services at lower prices. 3. By implementing safety liability insurance, a cooperation mechanism for accident prevention between insurance institutions and technical service agencies can be established, thereby improving the socialized safety production service chain with insurance institutions as the platform. VIII. How to supervise the accident prevention technical services provided by insurance institutions? There are four methods of supervision by the emergency management departments, insurance regulatory authorities, and relevant departments: 1. Supervision through the information management platform for work safety liability insurance ； 2. Entrust a third-party agency to evaluate the performance of accident prevention services ； 3. By combining corporate surveys and inquiries, compare the annual assessment reports submitted by insurance institutions to determine whether there are any cases of fraud ； 4. Conduct regulatory inspections on insurance institutions or policyholders directly in accordance with statutory duties. IX. How to punish insurance institutions that violate the Guidelines? For insurance institutions that fail to provide technical services in accordance with the Guidelines, the relevant authorities can issue requests for rectification; for those that refuse to make such corrections, four enforcement measures may be taken depending on the severity of the violation: 1. Publicly disclosing the details of the violations to the public ； 2. Revoke their eligibility to enter based on the assessment and evaluation results ； 3. Include it in the management of the “blacklist” for joint disciplinary actions in the field of work safety ； 4. Hold them legally accountable in accordance with relevant laws and regulations. As an insurance for work safety liability that businesses in the eight high-risk industries are required to purchase, it provides coverage for the safe production of hazardous chemicals, helps enterprises eliminate potential safety hazards, and facilitates the effective prevention of accidents. So, do you understand safety production liability insurance now? This article is reprinted from the Ministry of Emergency Management.