On the eve of the May 1st, the Nanjing Environmental Protection Bureau issued the “Opinions on the Implementation of the Nanjing Environmental Pollution Liability Insurance†and publicly solicited opinions from the public. This move aims to implement the company's environmental protection liability insurance system for insurance coverage as soon as possible throughout the city. In addition to the previous Sichuan and Yunnan provinces, the insurance system is rapidly entering China's market-based environmental management system.
After the introduction of the environmental pollution compensation mechanism, in the event of an environmental pollution incident, the insurance company will participate in the accident treatment and accident claims in the first instance, so as to facilitate the rapid disposal of the accident, reduce the burden on the company, and change the current cost that the government does not bear. Reasonable situation.
As the name implies, environmental pollution liability insurance is an insurance policy in which, in the production and business activities of an enterprise, damages caused to third parties caused by sudden environmental pollution accidents are the subject of insurance. After an enterprise insures the insurance company with environmental pollution liability insurance, the insurance company will make compensation according to the contract, which can reduce the liability of the company in the accident. While reviewing the domestic pollution incidents, most of them are the protagonists of the government. This will inevitably lead to slow handling of accidents and slow compensation. The victims’ compensation will not be remedied in time.
The practice of foreign developed countries has proved that the environmental pollution liability insurance system is a market-based management mechanism that effectively resolves environmental risks, can quickly and efficiently resolve pollution accidents, assist relevant departments in the identification of responsibilities, quickly settle claims and handle emergency response, and make all parties involved in the accident Work according to regulations to reduce government administrative costs.
According to experts, by 2020, China’s total economic output will be double that of the current, and the pressure on environmental protection will be 4 to 6 times that of the present. Since there will be difficulties in adapting the environmental protection model, it is necessary to plan ahead and actively promote environmental protection including environmental protection. Various new environmental protection methods.
Take Nanjing as an example, its petrochemical industry has always been a pillar, with output value accounting for more than 14%. Jinling Petrochemical, Yangzi Petrochemical, Nanhua, Yamba, Dana and other famous large-scale petrochemical companies and hundreds of small and medium-sized chemical companies gather here. This industry structure, especially the distribution of many enterprises along the river, has determined that Nanjing has special "identities" such as important sources of dangerous chemicals, pollution sources, and risk sources. Therefore, it is necessary to carry out environmental pollution liability insurance.
According to the person in charge of the Nanjing Bureau of Environmental Protection Law and Regulations, the "opinions" stipulates that the insurance company's participation in the compensation scope is mainly the cost of the insured company's compensation for the third party's personal injury or death or direct property loss caused by pollution damage. The amount of compensation paid is related to the amount of insurance coverage of the insured company, with an upper limit of 40 million yuan; an environmental pollution accident that causes death of the person, and a death compensation of 300,000 to 400,000 yuan per person.
However, the relevant person in charge also said that the introduction of environmental pollution accident insurance does not mean that the corporate responsibility for environmental pollution is shirked. Enterprises must increase their environmental protection equipment in accordance with insurance requirements. In the ordinary production process, they must also pay more attention to environmental protection. This will also have a certain role in controlling the discharge of pollutants by enterprises. In the event of an environmental pollution accident, the environmental protection department will organize experts to identify accidents, and the government will also introduce assessment companies as third parties to participate in environmental risk assessment and environmental pollution accident determination and damage determination. The specific insurance company’s choice will be determined by bidding.
Xie Juxing, deputy manager of the production department of Jiangsu Changjiang Coating Co., Ltd., which is in charge of environmental protection work, said that general enterprises have paid more attention to property insurance, and they are still relatively unfamiliar with environmental pollution insurance. In fact, this kind of insurance is also very important. It can allow companies to pay less capital costs in peacetime to prepare for the need for future environmental pollution accidents. "This is somewhat similar to family savings. Only reserves are usually available to solve the problem. Therefore, for chemical companies, their positive role is obvious," said Xie Juxing.
As Asia’s largest glycol ether manufacturer, Guo Minggao, head of the Anhua Department of Nanjing (Dana) Chemical Industry Co., Ltd., stated that environmental pollution insurance covers a large number of companies’ participation in resolving the high compensation burden of a few companies, but the premise It is necessary to have sufficient corporate participation to ensure smooth implementation. Therefore, everyone has high firewood, and companies in the industry should overcome short-sighted behavior and actively participate in it. Guo Minggao suggested: "In order to expedite the early and smooth implementation of this type of insurance, it can be complemented with necessary regulatory support measures to increase its future implementation rate."
It is understood that Jiangsu is currently formulating "insurance companies and intermediary agencies to participate in environmental protection liability insurance entry conditions", "corporate environmental protection pollution liability insurance rate accounting standards", "environmental pollution liability insurance management supervision system", "environmental pollution liability insurance Six local policies and regulations, such as the Code of Professional Conduct, will have a positive effect on the full implementation of the insurance system.
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