In recent years, frequent elevator accidents, elevator safety issues much attention. In the survey was informed that the elevator is also responsible for insurance.
      According to the survey, the current elevator liability insurance on the market, mostly in the form of "additional risk", that is, in addition to the main risk of "accident caused by accident accident." In recent years, there are also comprehensive liability for covering the responsibility of passengers, the use of unit liability, maintenance of the company's responsibility, but the underwriting density is very low, not enough to provide comprehensive protection of the safety of the public.
      "At present the factory, mall a lot of public insurance insurance, some have attached the elevator liability insurance, and the general district elevator insurance liability insurance is very small." A large state-owned insurance company's relevant person in charge told reporters.
       In response to this situation, the industry pointed out that the elevator as a public transport, insurance intervention is essential. Elevator operation to introduce insurance mechanism, not only provides a guarantee of compensation, but also the introduction of quality assurance third party supervision, improve the safety factor, the real elevator tied to the "insurance rope."
       In addition to public concern, the safety of the elevator also caused the attention of the relevant government departments. According to the information provided by the Insurance Industry Association of Shandong Province, as early as 2009, the AQSIQ proposed to vigorously develop special equipment liability insurance to protect the legitimate rights and interests of equipment users and victims. Shandong Province from the choice of people with the people most closely related to the elevator as a breakthrough to the elevator liability insurance began to explore the entire special equipment liability insurance. In August 2012, Shandong Insurance Regulatory Bureau and the Provincial Quality Supervision Bureau jointly issued a "notice on the encouragement of the implementation of special equipment liability insurance", the main content is "to guide and encourage" special equipment and property owners to apply for elevator liability insurance, Advocate and encourage "production unit insured.
       According to reports, in order to better implement the elevator liability insurance, after several communication consultations, and ultimately to determine the PICC, CPIC, peace, Taishan four companies formed a total of the body, in accordance with the agreed share of premiums to share the premium. As the current elevator liability insurance policy set by the years ago, can not adapt to and reflect the current situation and risk level, so the common body reference to the domestic brothers and provinces of the pilot experience and data, combined with the size of Shandong Province, the actual situation, One of the main insurance, five kinds of additional risk of insurance structure, and accounting for the rate.
        Shandong Insurance Regulatory Bureau official said: "This way there are two advantages, one is the low threshold, only insured the main insurance premium less, the enterprise burden lighter; the second is flexible, easy to meet the demand.

Source: Volkswagen - Qilu Evening News

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