" food safety law " is implemented formally in June

" food safety law " is implemented formally in June
The insurance kind value of the dark horse is heavy and is explored
" food safety law " will be implemented formally on June 1, in the face of the new legal environment, many trade companies begin to provide for a rainy day, attempt to seek " help " from insurance company .
It is reported, have consulted and bought " the product liability has been dangerous " recently Food manufacturer obviously increase. However, the American inferior insurance Vice President Zeng XiaoMan reminds insureds, have not only bought " the product liability is dangerous " Food enterprise capital can in order to sleeping without any anxiety.
Have known pointing out gracefully, are different from " food hygiene law " implemented in 1995 and a series of scattered relevant regulation before this, the efforts of punishing from supervision range in no matter " food safety law " issued newly is obviously strengthened. As to food manufacturer, the changes of two respects especially need paying attention to: First of all, introduce punishing compensation, American-European countries " claim of sky-high price " often heard before this The case, will probably appear in China in the future. This will protect consumer's interests, consciousness of strengthening consumers to safeguard the rights effectively, bring the enormous claim risk to a manufacturer's production and operating activities of food at the same time. Secondly, this law has stipulated the food safety standard. In the past, the safety standard about the food in our country disorderly and unsystematic and lagged behind seriously. Specially make the clear regulation on food safety standard in " food hygiene law " issued newly, food enterprises must guarantee the products accord with the safety standard of the unification of the motherland. So, the legal risk that the manufacturer faces is obviously strengthened.
Have known thinking gracefully, in this case, " the product liability is dangerous " Function is prominent, the food manufacturer is while strictlying observe the legal provision, production and management abiding by laws, also need to buy the product liability dangerously. It is dangerous to buy the product liability, the manufacturer can get more sufficient guarantee with lower cost. It is to regard sales volume as the standard of charging that the product liability is dangerous. For example, the food manufacturer of 50 million yuan of an annual sales volume, suppose the rate is 0.3%, then he only needs to pay the premium of 150,000 yuan every year, can obtain millions of guarantee.
"This can undoubtedly guarantee the stability of enterprise's cash flow than reserving the risk for one's own use. Secondly, it is dangerous to buy the product liability, except be able to win economic compensation, can also agree to obtain the insurance company and participate in the lawsuit directly and offer specialized counterplea service for the assured according to the contract of insurance. The product liability is dangerous to lie in with the dangerous difference of general property loss, the dangerous losses of the product liability have involved the third party, and take place thing uncertain,it is more complicatedly when standing up not to deal with. Once deal with and does not make a noise in time and go to court, will be more troublesome. The time and energy to consume a large amount of of enterprises of food like this, influenced enterprise's normal production and operating activities seriously. " Above-mentioned personage claim, deal with kind, will influence corporate image and the intersection of brand and value to the claim, and then cause the reducing of its sales amount and market share.
In addition, have known gracefully and still advised the manufacturing enterprise to pay attention to the insurance policy in the range instead of the price. "Though ' product liability is dangerous ', the products of different companies, it ensures the range to have many differences. For example the dangerous insurance policy of the product liability can be divided into an accident and made and claimed and made two kinds, give cover for the region and have only as China's Mainland, expand to the other areas of the world too, the establishment of responsibility limit and special clause is various. These ensure range and difference to give cover for terms, influence customer, settle a claim rights and interests of when directly. "
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