Is it legal for the company to buy only employer liability insurance and social insurance?

Recently, reports about "labor shortage" and "difficulty in recruiting workers" are endless. In this regard, insurance experts suggest that enterprises buy employer liability insurance, increase employee insurance benefits and increase recruitment "chips".

In an interview with the Economic Information Daily, insurance experts pointed out that compared with other types of insurance, employer liability insurance has stronger social attributes, which can not only effectively reduce the liability risk that business owners have to bear when they encounter employee work-related accidents, but also effectively maintain the normal and orderly social relations among the government, enterprises and individuals and improve the management efficiency of the government. It is suggested that the state enforce this insurance through legislation.

Help enterprises retain people and strengthen public management.

Some human resources experts believe that the problem of left-behind children, the change of the concept of "agricultural Dell" in industrial geographical transfer and rising prices have caused the diversion of migrant workers. Insurance industry professionals believe that in addition to the above factors, employers have failed to solve the worries of employees, and insufficient employee benefits have also caused "recruitment difficulties."

Under the background of rising global raw materials and increasing labor costs, how should employers balance costs and employee benefits?

"Business owners can consider buying employer liability insurance. As an additional employee benefit, employer liability insurance can not only meet the needs of employees' sense of security, attract and retain employees, but also transfer the unpredictable labor costs faced by enterprises through small premium expenditure. Dr. Qin, vice president of CCID Consulting, told the Economic Information Daily reporter.

Some people may ask, ordinary enterprises have provided social security (including work-related injury insurance) for employees, why do they need to buy additional commercial insurance?

"From the Regulations on Work Injury Insurance, which came into effect on June 5438+ 10/2004, it can be seen that work injury insurance in social security can only provide the most basic living guarantee, and workers often hope that enterprises will pay more, so there is no need to take out employer liability insurance just because there is work injury insurance." Qin Hailin said.

"Unlike social security and group accident insurance, enterprises do not need to register employees one by one when they apply for employer liability insurance. As long as there is a contractual relationship between employees and employers, employer liability insurance will protect employees. This kind of insurance can meet the protection needs of most temporary workers and frequent personnel movements. " The head of Zurich Insurance Liability Insurance Department said.

Share worries for employees and relieve stress for enterprises.

Not long ago, a migrant worker in Dongguan was injured at work and lost his right arm. Private entrepreneurs are only willing to pay more than 654.38 million yuan. The plaintiff refused to accept it and took the business owner to court. Finally, the court awarded compensation of 380,000 yuan. Business owners who run into difficulties have to pay for it by selling cars.

"Before the incident, I recommended employer liability insurance to the business owner, but the business owner thought it was unnecessary to buy it. If the business owner had purchased employer liability insurance before, he would not have been under such heavy pressure. " Mr. Zhang, the account manager of Dongguan Branch of Pacific Insurance Company, told the reporter.

Risks are always everywhere, especially in high-risk industries such as construction and underground mining. Almost every day, man-made disasters or natural disasters occur, and countless lives are seriously threatened. It often causes physical pain, but medical expenses, nutrition expenses, lost time and so on have not been settled, which is chilling. Most people engaged in these industries are low-income, and they can't bear the huge expenses caused by these sudden disasters alone, and employer liability insurance can solve this series of problems.

In addition to solving the medical and living expenses of employees injured on business, from the perspective of enterprises, buying employer liability insurance is equivalent to saving a management fee for enterprises. Moreover, in the current market situation of high employee mobility, it can also avoid the losses caused by the "vacuum period" of insurance to enterprises and the problems caused by incomplete employee protection, because it takes a certain period of time to handle social security, it is difficult to achieve rapid transfer, and it is not realistic to handle social security procedures for short-term jobs.

Take the employer liability insurance of "worry-free enterprise" in Zurich as an example, this product can provide protection for industrial accidents, and the amount of compensation is as high as 5 million yuan each time; In addition, it can also increase employees' non-work-related accident protection, including: unexpected medical expenses, paid shutdown compensation, hospitalization compensation, etc. And the amount of compensation each time is as high as 6.5438+0 million yuan.

"The design and launch of this product fully considers the characteristics of the specific group of migrant workers: strong mobility, low tolerance for premiums, being in the front line of production, high possibility of accidents and high compensation." Zurich insurance experts pointed out that if employees are in danger, employer liability insurance, as a commercial insurance, should be independent of industrial injury insurance and group accident insurance.

The premium rate is too low to be enforced.

Although employer liability insurance is of great significance to both business owners and employees, according to the reporter of Economic Information Daily, most insurance companies have low operating profit margins on this type of insurance, and some even lose money.

"At present, most of the employer liability insurance in China is a foreign-funded enterprise. "A person from a foreign-funded property insurance company told the Economic Information Daily that liability insurance belongs to third-party insurance and is closely related to the public interest. However, due to the lack of economic strength and low awareness of liability insurance, the willingness of risk subjects to insure is not obvious at present; However, if the coverage of liability insurance is not wide, it will not be able to form a scale, which will make it difficult for insurance companies to operate, and insurance companies are unwilling to underwrite such insurance.

According to the reporter's statistics, although several foreign property insurance companies and Chinese property insurance companies have launched employer liability insurance, the market share of this kind of insurance is extremely low, and the premium ratio is very small. According to the data of a large Chinese property insurance company, the premium income of employer liability insurance only accounted for 1% of the company's premium income last year.

However, the insurance coverage rate of foreign employer liability insurance is extremely high. As early as 2004, the insurance coverage rate of British enterprises was as high as over 90%. It is understood that employer liability insurance is promoted as compulsory insurance in many western countries. Employer liability insurance began in the early 1980s from 65438 to 2009. With the in-depth development of the industrial revolution, there are more and more industrial accidents in enterprises. In order to protect the legitimate rights and interests of employees, many countries stipulate that employers must take out employer liability insurance in the Labor Law or the Employer Liability Law.

In this regard, some experts suggest that in order to better protect the legitimate rights and interests of employees, China should also consider making employer liability insurance compulsory, and taking out employer liability insurance as a condition for enterprises to obtain legal business rights and licenses; Or, "bind" industrial injury insurance and employer liability insurance, with industrial injury insurance as the main and employer liability insurance as the supplement, and strengthen the legislative work of industrial injury insurance and employer liability insurance, so that the insurance responsibilities of the two can complement each other and continuously improve the protection level of industrial injury personnel in China.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.