The public liability insurance

for the operation of the enterprise to support the umbrella

In our daily life, we often go to public places such as hotels, supermarkets, shopping malls, movie theaters and office buildings to enjoy the convenience of life and fun.

But often seemingly safe places, there are many unexpected accidents that we can't predict.

Such as ground water slip fall, elevator parts, downhill, falling objects such as "outrageous fortune" the biggest security hidden danger, has become a public place and business managers will directly facing a lawsuit or claim.

Another high-risk place that we often overlook is education training school. Due to the concentration of people and the relative isolation of the environment, it is more likely to cause widespread damage if accidents occur.

Training object training schools for children, because children lack of self-protection ability, the school must have a comprehensive and effective safety protection measures, and after the accident will also unavoidable legal and ethical responsibility.

But accidents are often unpredictable, and whether there is a better option for the site operator before an accident or casualty.

It is particularly important to insure public liability insurance for the place in advance, which can be an effective way to pass on risks and make up for losses in the face of high compensation or great loss.

What is public liability insurance?

Public Liability Insurance is also called general liability insurance or comprehensive liability insurance. It takes the public liability of the insured as the object of the insurance, and is the most independent and applicable insurance category in the liability insurance.

Public responsibility refers to the damage of the person's property or personal property caused by the fault behavior of the victim in the public place of action, and the economic compensation responsibility of the victim should be borne by the victim according to law.

The constitution of public responsibility is based on the legal responsibility of economic compensation, and its legal basis is the civil law and all kinds of relevant laws and regulations. In addition, in some places which are not public activities, if the public is injured by the responsible person in the place, it can also be attributed to the public responsibility.

Therefore, public facilities, places, factories, office buildings, schools, hospitals, shops, exhibition halls, zoos, hotels, hotels, theaters, sports venues, and construction sites are all responsible for the risks of public liability accidents. The owners and managers of these places need to transfer their responsibility through public liability insurance.

The responsibility of insurance companies in public liability insurance:

1. the liability for economic compensation should be taken according to law when the insured person has made personal casualty or property loss;

2. in the event of a responsible accident, if the legal proceedings arise, the insured shall bear the responsibility for the relevant litigation costs.

However, the highest liability of the insurance company shall not exceed the limit of compensation for each accident or the limit of cumulative compensation stipulated in the policy.

Characteristics of public liability insurance:

The object of insurance is invisible: the public liability insurance guarantees the insured's economic compensation liability due to the accident caused by personal injury and property loss due to accident in the scope of his operation.

A wide range of applications: this type of insurance can be applied to factories, office buildings, hotels, houses, shops, hospitals, schools, theaters, exhibition halls and other public places of activity.

There are rich forms of expression: common responsibility, comprehensive responsibility, place responsibility, elevator responsibility, contractor's responsibility, etc., while China mainly displays public responsibility of the place

Why should public liability insurance be covered?

The public responsibility risk in life is everywhere. With the enhancement of people's awareness of rights protection, the general business places are facing the risk of responsibility disputes. After all, business units have the obligation to protect the basic personal safety of consumers.

For example, some schools, educational institutions and other places of public gathering, often occur students during class accidental falls, participation in school activities, accidents, students trouble, fight, traffic accident on the way to school, food poisoning, fire and explosion accidents and other security risks.

Once an accident occurs, causing casualties, the school should bear the responsibility for the accident. If the public liability insurance is applied, the commercial means can effectively avoid the economic compensation loss of the operator.

The risk of public responsibility in life

1. Shift risks for enterprise management

Public liability insurance coverage so that enterprises can effectively transfer the risks in the process of operation, the relief may face high compensation responsibility and the contradiction between small payment ability, avoid due to inability to compensate the bankruptcy and production disruptions, and maintain the stability of production.

In October 8th, Guangxi province Lingshan county junior middle school girl Huang in the classroom lectures, ceiling fans fall suddenly, rotating fan blade scraping to its left cheek, face and corner of the blood DC, constitute disfigurement. Lingshan County People's court sentenced the school to full responsibility, to compensate students for subsequent treatment costs and mental damage solatium. The school seeks compensation insurance with the public liability insurance policy signed by an insurance company in March of that year. After providing the claim data, the insurance company has successfully obtained the claim.

By insuring public liability insurance, the school can effectively avoid the responsibility risk disputes and maintain the stability of the normal development of the school.

2.Effectively protect the vital interests of the public

Managers in every public place are responsible for the customers and the public who visit your place. Although accidents can be reduced, but can not be completely avoided, operators should protect the public interest as the starting point, so that every public access to adequate security.

In March this year, Maria Tung in an education institutions in class, because of the ground water caused Maria Tung slipped and fell, then rushed to hospital for treatment, treatment costs 5800 yuan. Maria Tung's parents immediately launched a claim to the educational institution. After contacting the educational institution and the insurance company, Maria Tung finally got the compensation.

Public liability insurance through the market risk transfer mechanism, using commercial means to solve legal disputes, such as compensation liability, protect the legitimate rights and interests of the public, and maintain social harmony and stability.

3.A number of national laws and regulations to encourage

The country has passed many laws and regulations many times, encouraging some public gathering public places to insure public liability insurance, ensuring the public safety, and adopting effective ways to prevent and control the risks actively.

For example:

"Notice of the general office of the State Council forwarded the Ministry of public security fire control reform and development program" (issued [1995]11) thirtieth:

Fire insurance and public liability insurance should be taken in places such as important enterprises, inflammable and explosive dangerous chemicals places, large shopping malls, hotels, restaurants, theaters, dance halls and other public places. The insurance company can give preferential treatment and reward to the fire prevention work and the purchase of fire engines by the fire brigade".

Article thirty-third of fire protection law:

The State encourages and guides the public to gather places and enterprises that produce, store, transport or sell inflammable and explosive dangerous goods to insure public liability for fire risks.

The thirty-seventh article of tort liability law:

The organizers or the organizers of mass activities in public places such as hotels, shopping malls, banks, stations, entertainment places, etc., fail to fulfill the obligation of safety protection and cause damage to others, they shall bear the tort liability

How to insure public liability insurance?

People in the business of insurance public liability insurance, general insurance business that unlike other fixed premium table, but usually each of the insured risk individually negotiated rates, in order to ensure that the insurer undertakes the responsibility and the risk premium to adapt.

Therefore, insuring public liability insurance requires the insurance company to customize the insurance scheme according to the assessment of the enterprise's own risk. As a senior insurance brokerage company, Wachovia has rich experience in planning insurance schemes and claims, and can help enterprises to plan appropriate insurance programs according to the actual needs of enterprises.

Public liability insurance coverage, the insurance industry in accordance with international practice, the insurance of public liability insurance according to each accident basic compensation limit and deductible respectively for personal injury and property damage insurance rate two, if the basic compensation limit and deductible or when the insurance premium should be appropriate, but and non proportionally.

The calculation methods of public liability insurance premium include the following two situations:

1.The compensation limit (accumulated or every accident compensation limit) as the basis of calculation,That is the insurance premium receivable = total amount of compensation * applicable rates

2. To calculate the premium according to the size of the place, The insurance premium receivable insurance underwriter = place occupied area (square meters) * per square metre of insurance.

Last

Shen zhen myonline insurance brokers reminded everyone ,even if the insured public liability insurance, still need to improve the sense of risk prevention. Business operators shall employ qualified staff, and maintain the use of buildings, roads, factories, machinery, apparatus and equipment for a long time in good condition, immediately to repair the defects have been found, or take temporary measures to prevent the occurrence of accidents.

Once the policy insurance accident, insurance companies should contact immediately after, and the extent of the loss occurred in the accident report; without the examination and consent of insurance firms, can not change and repair of the accident related buildings, roads, factories, machinery, apparatus and equipment.

For insurance, please contact myonline insurance brokers：400-6007-005