Typical case 1.
At about 7:20 on April 25, 2019, a construction elevator car (hanging cage) occurred at the construction site of feicuihuating project 1# building in Hengshui City, Hebei Province The major accident of falling caused 11 deaths and 2 injuries, and the direct economic loss was about 18 million yuan.
Compared with industrial injury insurance and other types of insurance, production safety liability insurance in the field of construction covers a wider range of groups, provides more adequate protection, makes more timely compensation and provides more preventive services.
Which industries are suitable for purchasing safety production liability insurance in the field of construction? Answer: building engineering, municipal engineering (urban road renovation, green belt construction, pipeline laying, etc.), indoor building decoration / decoration, plant engineering, etc..
The construction industry belongs to one of the eight high-risk industries that should be insured with work safety liability insurance, so construction enterprises must purchase construction safety liability insurance.
Charging standard: 1.
Policy background 1.
Materials required for insurance: business license, work safety license, construction contract, etc.
Insured subject: a legally established construction enterprise.
II.
What are the functions of production safety liability insurance in the field of construction Answer: accident prevention services; compensation for economic losses caused by accidents.
The collapse of Jiangxi power plant caused nearly 100 casualties.
four FAQs 1.
In December 2017, the former State Administration of work safety, CIRC and the Ministry of Finance jointly issued the measures for the implementation of work safety liability insurance, which clearly stated: “Production and business operation entities in high-risk industries such as coal mines, non coal mines, dangerous chemicals, fireworks and firecrackers, transportation, construction, civil explosives, metal smelting and fishery production shall take out production safety liability insurance.
In addition to casualties, the direct economic loss caused exceeded 100 million yuan.
What is the difference between work safety liability insurance in construction field and other types of insurance? Work safety liability insurance in construction field is a compulsory commercial insurance with public welfare nature, according to the newly revised work safety law , production and business units belonging to high-risk industries and fields stipulated by the State shall take out production safety liability insurance.
1.
Third party liability guarantee: during the insurance period, the insured engaged in construction and related work according to law at the construction address specified in the insurance policy, resulting in personal injury or death of a third party due to production safety accidents.
At about 20:40 on February 7, 2018, the civil engineering bid section I of phase I project of Foshan Rail Transit Line 2 (hereinafter referred to as “tj1 bid section”) organized by CCCC second navigation bureau was constructed The construction site on the right line of the shield section from huyong station to Lvdao Lake Station was suddenly flooded, resulting in the collapse of the tunnel and pavement, resulting in 11 deaths, 1 missing and 8 injured, direct economic losses of about 53.238 million yuan, casualties and serious property losses.
2.
Production and business operation entities in other industries are encouraged to take out production safety liability insurance.” 2.
III.
product introduction construction enterprise safety production liability insurance 1.
3.
On June 10, 2021, the Standing Committee of the National People’s Congress voted and adopted the decision on Amending the production safety law of the people’s Republic of China, and newly revised the production safety law (which will come into force on September 1, 2021) It is clearly stated that the State encourages production and business operation entities to take out production safety liability insurance; production and business operation entities belonging to high-risk industries and fields specified by the State shall take out production safety liability insurance.
2.
Rescue expense guarantee: the insured’s loss of life due to production safety accidents at the construction site specified in the insurance policy The following necessary and reasonable rescue expenses incurred by the insured due to the adoption of emergency rescue measures in the event of an accident to the employees or a third party.
Employee liability insurance premium = project contract cost × Rate; 2.
2.
3.
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Rescue cost insurance premium = limit of rescue cost per accident × Rate 4.
Third party liability insurance premium = liability limit for each accident × Rate 3.
If production and business operation entities in high-risk industries and fields fail to take out production safety liability insurance in accordance with state regulations, they shall be ordered to make corrections within a time limit and be fined not less than 50000 yuan but not more than 100000 yuan If it fails to make corrections within the time limit, it shall be fined not less than 100000 yuan but not more than 200000 yuan.
3.
On November 24, 2016, Jiangxi Fengcheng Power Plant Phase III expansion project The collapse of the cooling tower construction platform caused 73 deaths and many injuries to varying degrees.
Scope of protection: during the insurance period, the employees of the insured undertaking the project engaged in construction and related work according to law within the construction address specified in the insurance policy, due to production safety accidents Thus causing personal injury or death of employees.
