Chemical industry is included in the "green insurance" insurance focus

From October onwards, the Kunming Municipal People's Government of Kunming City formally implemented the "Implementation Opinions of the People's Government of Kunming on Implementing Environmental Pollution Liability Insurance," and all 25 major polluting industries, including chemicals, were included in the scope of insurance coverage. Previously, insurance and environmental protection agencies in Chongqing, Ningbo, Shenzhen, Hunan, and other regions jointly issued specific plans to formally launch pilot projects for chemical environmental liability insurance, which means that China has gradually explored and established a mechanism for preventing and resolving environmental pollution risks. climate.

The “Implementation Opinions” of Kunming City makes it clear that the scope of insurance coverage for environmental pollution liability insurance is: enterprises engaged in the production, operation, storage, transportation, and use of hazardous chemicals within the area of ​​2,920 km2 in Dianchi Lake Basin, and hazardous waste collection, transportation and disposal enterprises. , And iron and steel, non-ferrous metal smelting, electroplating, chemicals, coke gas, pharmaceutical, leather, paper, pulping, printing and dyeing, brewing, casting, calcium carbide, ferroalloy, citric acid, mining development, thermal power generation, food processing, tobacco product processing , Plastics processing, machinery manufacturing, rubber processing, and waste incineration power generation companies shall participate in environmental pollution liability insurance. Enterprises outside the Dianchi Basin that are engaged in the production, operation, storage, transportation, and use of hazardous chemicals, hazardous waste collection, transportation, and disposal enterprises, as well as iron and steel, nonferrous metal smelting, electroplating, chemical, coking gas, and pharmaceutical companies also require participation in the environment. Pollution liability insurance.

It is understood that Kunming City is currently included as a key target of insurance coverage, including 396 major polluting enterprises in 25 industries, of which 340 should be involved in environmental pollution liability insurance and 56 are encouraged to participate in environmental pollution liability insurance. It is reported that in the future, Kunming City will periodically revise the directory of insurance companies every year and take various measures to ensure that this work will be carried out unremittingly.

According to report, before Kunming, Chongqing City had already selected 5 enterprises with representative industries to participate in the pilot (a total of 35 enterprises) in 7 categories of industries, including chemical types, with a focus on oil, natural gas, and coal chemical companies. Dangerous chemicals category, focusing on the production, storage, transportation, use of hazardous chemicals units; hazardous waste transport, disposal units. Ningbo City also promoted pilot work in the three major chemical zones in Zhenhai, Beilun and Daxie in the early stage, mainly hazardous chemicals companies, petrochemical companies, hazardous waste disposal companies and industries. The first batch of 13 hazardous waste management units in Shenzhen were selected as pilot units.

According to a related research report from the China Insurance Regulatory Commission, commercial insurance as a market-based risk management and economic compensation method is conducive to comprehensively improving the ability of enterprises to prevent and control pollution, and to prevent the occurrence of pollution accidents at the source. The introduction of commercial insurance mechanisms to prevent pollution can help companies achieve a transformation from "pollution-end governance" to "pollution-wide process control."

China is currently in a period of high incidence of environmental pollution accidents. Industrial enterprises in some localities have caused frequent environmental pollution accidents, which seriously endanger people's physical health and social stability. In particular, some victims of pollution accidents are not compensated promptly, causing many social conflicts. In 2008, after the specific operation of China's environmental pollution liability insurance began, it accepted the case of hydrogen chloride gas leakage and pollution of farmland in Haohua Company, Zhuzhou City, Hunan Province. As this company had previously insured the environmental pollution liability insurance covered by Ping An Property & Casualty, according to the “Environmental Pollution Liability Insurance” clause, a total of RMB 11,000 will be paid to the villagers in less than 10 days. The claim for environmental pollution accidents involving more than 120 households complained of by the villagers was called China's first environmental pollution liability insurance compensation case.

While the "Green Insurance" pilot is gradually advancing, relevant insurance products have also been gradually launched, and initial protection capabilities have emerged. Ping An Insurance's Environmental Pollution Liability Insurance, Huatai P&C's Location Pollution Liability Insurance, PICC's High-Tech Enterprise Environmental Pollution Liability Insurance, and the new products of An Xin Agriculture Insurance and Pacific Insurance's Dangerous Chemicals Safety Liability Insurance have been launched one after another. . PICC P&C has already insured 11 companies in Hubei, Liaoning, and Jiangsu with a total insurance premium of RMB 62 million. Ping An's property and casualty insurance companies have covered 51 companies in Hunan, Ningbo and other places, and have assumed a total insurance coverage of RMB 83.4 million. Since the pilot project was carried out in Hunan, 10 cases of environmental pollution liability insurance claims have been dealt with, and the claim amount is 691,800 yuan.

However, due to the lack of sound laws and regulations, China's environmental pollution liability insurance is inherently inadequate since its birth. Since environmental liability insurance mainly protects the public interest, and companies will consider more for cost before buying, it is indeed difficult for insurance companies to implement them. In addition, the government's support is not strong, and environmental liability insurance appears to be weak during its growth.

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