Q: As a tourist resort hotel, what kind of public liability insurance is suitable for guests? For employees: What kind of accident insurance is appropriate?

Group accident insurance is welfare, and the object of insurance company's compensation is the insured himself. If the insured dies unexpectedly while working for you, the beneficiary of the insured can not only get compensation from the insurance company, but also continue to claim rights from the employer and ask you to assume the employer's responsibility.

Employer's liability insurance, as its name implies, protects the employer and the object of compensation is the employer. Unfortunately, he died unexpectedly while working for his employer.

On the difference between group accident insurance and employer liability insurance

Simply put, group accident insurance is welfare, and the object of insurance company's compensation is the insured himself. If the insured dies unexpectedly while working for you, the beneficiary of the insured can not only get compensation from the insurance company, but also continue to claim rights from the employer and ask you to assume the employer's responsibility.

Employer's liability insurance, as its name implies, protects the employer and the object of compensation is the employer. If you unfortunately die or get sick accidentally while working for your employer (death within 48 hours is a work-related injury), then the insurance company will compensate your employer. To put it simply, if the employee is insured with 6,543,800+personal protection, and the employee's family claims 300,000, the employer can take another 200,000. This kind of insurance not only pays for death, but also pays for disability wages. This kind of insurance can also change when people move.

Employer's liability insurance fully protects the interests of employers. In order to increase some benefits for employees, a 24-hour extension clause can be attached to solve the problem of 24-hour protection.

As for the low premium of employer liability insurance, it is not entirely true, which is related to the type of work, number of people, gender, age and salary.

A general understanding helps to make a decision.

There are many details about employer liability insurance, so I won't say them one by one.

It is necessary to insure employees.

Insuring employees is to transfer the risk of the enterprise itself. The extra financial expenses caused by accidents sometimes have a great impact on enterprises, so it is very necessary to increase security!

How to choose specifically?

But no matter what kind of insurance, the specific occupation, number, age, amount and content of employees are related to the premium. With these materials, as long as the employee's name and ID number, you can choose accident insurance that meets your needs.

My suggestion is that it is best to take out group accident insurance, and the coverage is lighter. For enterprises, it is to transfer risks. For employees, more is welfare protection, which will increase employees' cohesion to the enterprise! However, the premium of employer liability insurance will be slightly lower, and it should be decided according to its actual situation!

In addition, because the insured employees have certain mobility, the replacement rate of group accident insurance is also the key point to be considered.