Research On Food Safety Responsibility Insurance Promotion Of Insurance Company

Recent ten years has witnessed a great deal of scandals related to food safety in China. People’s welfare and direct interest has been greatly involved. Thus, the general public has increased food safety awareness and there are increasing food safety disputes, it is quite obvious that food safety incidents have become a hot topic related to public security.Current food safety regulations and system led by the Chinese government cannot solve the problem of gradually severe food safety.Insurance, as an important vehicle of risk aversion and social management, is able to play a significant role in preventing food safety incident. Food safety responsibility insurance is an efficient tool to solve the problem. However, due to the products, enterprise and governmental supervision, the insurance is not fully used. Food safety responsibility insurance does not have an optimistic developing progress with low insurance coverage. Besides relatively active food export enterprises, there are hardly domestic enterprises are interested in the insurance. It tends to be popular that the government promotes food safety responsibility insurance and many parties have spared efforts to promote it as a compulsory insurance product, quite similar to the insurance for traffic accident of motor-driven vehicle.In addition, the insurance industry should learn foreign cases of food comprehensive treatment in order to find direct and efficient treatment mode as well as accumulate experience for ourselves. The most rigorous standards, supervision, accountability and punishment should be widely implemented so as to make innovation in food safety treatment. Based on this compulasary insurance of food safety responsibility, insurance companies can take participate in food safety guarantee, play the role of social managers and provide service for the people from multi-level.Through the research of this paper,At present,the marketing problems of food safety responsibility insurance in ours country are: Production enterprises doesn’t have requirement; Insurance products can’t meet the needs of the market; the government’s policy guidance is not enough and so on.To participate in food safety comprehensive treatment, the first to make the change from its, insurance companies should actively market government,play a role of social manager, formulate relevant policies and increase information transparency. The rigorous reward and punishment system should be made, the insurance cost should be lower and the researches should be conducted by both government and enterprises so as to make common production testing standards. Insurance companies should focus on the market, make innovation, develop various insurance products while targeting different risks so as to meet the market demands. The insurance products should be fully developed and improved. The settlement system should be improved also to enhance the service quality. Via cooperation with the government and service for enterprises, insurance companies should provide solutions to food safety treatment risks and offer disaster and damage prevention service through technical tools. What’s more, the companies should build up targeted relief fund to fulfill compensational function.