"food liability insurance": the market premise is needed to praise and not to sell well.

After the media exposed on July 20 that the incident of Shanghai Husi selling "expired meat" involved McDonald's, KFC and other chain catering enterprises, on July 28, the media also exposed that there were many chaotic phenomena such as "drooling meat" returning to the dining table in Changping restaurant of Han Lixuan barbecue supermarket. The successive food safety incidents have sounded the food safety alarm again.

Compared with the frequent food safety incidents in recent years, food safety liability insurance (referred to as "food liability insurance"), which is regarded as the protection of "safety on the tip of the tongue" (referred to as "food liability insurance"), plays the role of both compensation and prior third-party safety supervision. but it has been in the awkward position of "applause but not popularity".

In fact, as early as 2013, the Office of the State Council issued the Food Safety Law of the people's Republic of China (revised draft) for public consultation, mentioning for the first time the establishment of a compulsory food safety liability insurance system. Recently, frequent food safety incidents have led to renewed calls for compulsory food liability safety insurance in the industry to land as soon as possible. However, some people in the industry said that in addition to legislative support, compulsory food safety liability insurance also requires a certain market premise.

Food liability insurance claims need to prove "ignorance"

On July 28, the Food and Drug Administration of Changping District of Beijing inspected the Changping store of Han Lixuan Barbecue supermarket, which was exposed to have "drooling meat" returning to the dining table. It was found that a variety of food labels were incomplete or expired, and ordered it to suspend business for rectification.

Prior to this, meat supplier Shanghai Husi Food Co., Ltd. (referred to as "Shanghai Husi") was exposed on July 20 that a large number of expired meat materials were used. That night, the Shanghai Food and Drug Administration seized the Shanghai Husi involved overnight and ordered downstream enterprises to immediately seal up the food raw materials from the company. McDonald's, KFC, Pizza Hut and other "foreign fast food" enterprises have been affected.

With the frequent exposure of food safety incidents, food-related "food safety liability insurance" (referred to as "food liability insurance") has once again attracted people's attention.

It is understood that food liability insurance is when the insured produces or sells food in the business premises, or provides food consistent with its business nature on the spot, resulting in personal or property losses to consumers due to negligence or negligence, the insurance company shall bear the responsibility for economic compensation.

To put it simply, an enterprise has food liability insurance, and if consumers eat the food of the company and cause disease, the insurance company will compensate the enterprise according to the terms after the consumer's medical expenses are paid by the company. The compensation limit is determined according to the insurance demand of the enterprise, and the premium rate is generally determined according to the guarantee quota, business scale, business type, number of places and other factors.

Whether it is Han Lixuan, Shanghai Husi, or KFC, McDonald's and other catering enterprises, are food-related enterprises, do they all belong to the scope of food liability insurance?

In response, Hao Yansu, dean of the School of Insurance of the Central University of Finance and Economics, said that strictly speaking, Shanghai Husi's products are not directly targeted at consumers, but provide raw materials and sell their products to consumers through businesses such as McDonald's and KFC. Therefore, Shanghai Husi does not belong to the scope of food liability insurance.

However, for the McDonald's, KFC and other companies involved this time, Hao Yansu said that if these companies knew that there was something wrong with Husi's products, they would be "aware of the wrong sales", and the insurance company would be exempt from compensation for the consumer injury caused in this case; if there is evidence to prove that they do not know, then if these enterprises take out food liability insurance and consumers report, the company can get the insurance company to settle the claim. After the insurance company has settled the claim, it can recover the claim from Shanghai Husi.

"in order to avoid encouraging the intentional behavior of the insured catering enterprises, the intentional behavior of the enterprise and its representatives is usually recognized as the exclusive liability of the insurance contract. In this case, the loss of consumers is borne by the enterprise itself. " One liability insurance person said.

Food liability insurance "applauded but not popular"

In addition to providing quick relief and economic compensation to consumers victimized by food safety problems, people from Changan liability Insurance Company said that the greater role of food liability insurance is also reflected in participating in social management. Through the settlement of food liability insurance claims can accumulate a large amount of data, and analyze the reasons to put forward the risk points to effectively prevent food safety accidents, and help all kinds of food industries to improve the level of food safety management and avoid risks.

However, despite the many benefits of food liability insurance, domestic food and catering enterprises generally do not have a high understanding of food liability insurance, this kind of insurance has been in an awkward position of "praise but not popularity".

Public reports show that in foreign countries, the insurance rate of food safety insurance is more than 50%. Some developed countries and regions have already legislated to enforce the implementation of food safety insurance. For example, some states in the United States have established a compulsory system of food safety liability insurance through legislation, taking the purchase of insurance as a prerequisite for the production and operation activities of food enterprises. However, food liability insurance in China has always been a voluntary commercial behavior between food enterprises and insurance companies.

In China, more than a dozen Chinese and foreign insurance companies, such as PICC, Pacific Insurance, Allianz and Meiya, have launched a variety of food-related insurance, including food safety liability insurance, food pollution comprehensive insurance and catering industry comprehensive insurance. Among them, PICC property insurance has carried out food product liability insurance business since the 1990s. But the insurance rate is not high. Incomplete statistics show that the insurance rate of liability insurance in China is still less than 1%, and the annual premium income is less than 100 million yuan, and most of the insured are food export enterprises.

As the first professional liability insurance company in China, as of July this year, Changan liability Insurance has opened 12 secondary institutions, all of which have carried out food liability insurance business. Cooperate with Beijing Qingfeng Steamed Bun Shop, Xiang E sentiment Group, Zhejiang Fuyang, Lin'an and other catering service units. However the above Changan liability insurance personage also pointed out that the effect in the promotion process of food liability insurance is not significant.