The use of insurance tools to prevent environmental pollution accidents can decentralize business risks and facilitate the use of rate leverage mechanisms to encourage enterprises to strengthen environmental risk management, which is conducive to timely compensation for victims.
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Environmental pollution liability insurance is a new type of insurance that is based on the responsibility of the company for the damage caused by pollution to third parties. The person in charge of the Policy and Regulation Department of the Ministry of Environmental Protection said that the introduction of the insurance will help the victims to obtain economic compensation in a timely manner, which will help to diversify the business risks and help to get rid of the single dilemma that has long relied on administrative measures to protect the environment.
The specific implementation method of environmental pollution liability insurance is that the government encourages and supports enterprises to insure environmental pollution liability insurance. Insurance companies and insurance companies follow the principle of market economy, signing insurance contracts on the basis of equal consultation and fair and voluntary, and insurance liabilities to cause third parties. The direct loss of damage is the main factor, and the indirect loss is not included in the insurance coverage.
The Ministry of Environmental Protection promotes "environmental pollution liability insurance"
In 2008, the Ministry of Environmental Protection once again pushed the “Environmental Pollution Liability Insurance†in the form of a national work conference. Pan Yue, deputy minister of the ministry, said that the implementation of environmental pollution liability insurance is to share or transfer the task of strengthening environmental management of enterprises to insurance institutions through market mechanisms. The responsibility of environmental protection departments for environmental law enforcement and environmental management has not changed. It's just a management method.
At the beginning of 2008, the State Environmental Protection Administration stated that it was necessary to implement “environmental pollution liability insurance†in China. The environmental protection department and the China Insurance Regulatory Commission have signed the “Guiding Opinions on Environmental Pollution Liability Insuranceâ€, which will promote environmental pollution in China from 2008. Liability insurance system.
According to the opinions of the two departments, enterprises that produce, manage, store, transport and use dangerous chemicals, coating enterprises that are prone to pollution accidents, enterprises that handle hazardous waste disposal, especially those that have experienced major pollution accidents in recent years, will be Request to participate in the pilot of this system in the near future.
Wuxi: 25 environmental insurance liabilities for the future
In order to “pay the bill†for the pollution that has not yet occurred, 25 enterprises in Wuxi became the first batch of “crab-eaters†in the province. Wuxi Environmental Pollution Liability Insurance and the signing ceremony for the paid use of Wuxi City's emission rights were held on the 15th. 25 enterprises including the Petrochemical General Factory and the insurance company formally signed an insurance intention agreement.
The representative of China Life Insurance Wuxi Branch emphasized that the formal agreement will regard the frequency, strength and damage caused by pollution liability accidents as an important criterion for collecting different premiums. Wuxi Environmental Protection Bureau and Wuxi Financial Office pointed out that the first batch of 25 environmental pollution liability insurance insured enterprises will receive priority support when they receive credit and apply for pollution prevention funds.
Chongqing: It is planned to select 35 enterprises to pilot environmental pollution liability insurance
The China Insurance Regulatory Commission recently announced on its official website that the insurance supervision departments of Chongqing, Ningbo, Shenzhen and other places have jointly issued specific plans with the environmental protection departments, officially launched the pilot work of environmental pollution liability insurance, and explored the establishment of environmental pollution risk prevention and resolution mechanisms.
In the pilot phase, pilot projects will be selected focusing on enterprises that are prone to pollution accidents, enterprises that store and transport dangerous chemicals, and hazardous waste disposal enterprises. It was learned from the Chongqing Insurance Regulatory Bureau that the bureau had already held several meetings with the Municipal Environmental Protection Bureau to discuss the pilot work. At the same time, it also invited key polluting enterprises in the city to participate in the meeting. Initially, the pilot phase will select 5 of the following 7 industries. The representative enterprises of the industry participated in the pilot, a total of 35 enterprises: one is chemical, focusing on oil, natural gas, coal chemical enterprises; the second is hazardous chemicals, focusing on the production, storage, transportation and use of dangerous chemicals units; It is a unit for transporting and disposing of hazardous waste; four is the use unit of primary, secondary and tertiary radioactive sources; five is electroplating, heavy metal and lead-containing enterprises; six is ​​a pharmaceutical enterprise; and seven is a paper-making enterprise.
Environmental Pollution Liability Insurance: Helping coating companies to diversify their business risks
Abstract Using insurance tools to prevent environmental pollution accidents can diversify business risks, and it is beneficial to play a rate leverage mechanism to encourage enterprises to strengthen environmental risk management, which is conducive to timely compensation for victims. Environmental pollution liability insurance is based on the occurrence of pollution in enterprises...