What is the rate of public liability insurance?

Public liability insurance (hereinafter referred to as public liability insurance) refers to the insured's personal injury and property loss to a third party due to accidents in the area specified in the insurance list, and the insurance company shall compensate the economic responsibility that should be borne by the insured according to law.

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For example, all kinds of public facilities, factories, office buildings, schools, hospitals, shops, exhibition halls, zoos, hotels, theaters, stadiums, construction sites and so on all have the risk of public liability accidents. Owners and managers of these places need to transfer their responsibilities by purchasing public liability insurance.

How much is the charge? This depends on the industry.

Low-risk industries include:

Office (only for office use, not for manufacturing, installation, maintenance, maintenance, construction or related work);

A retail (office equipment and spare parts store; Food, candy shops and desserts, cakes, drinks and ice cream shops that do not provide services in the hall; Shoe store; Clothing store; Jewelry store; Shops for glasses and optical equipment; Personal goods store; Household equipment and commodity stores; Flowers, ornaments and bonsai shops; Bookstore);

Service industry (consulting services; Insurance intermediary company; Wedding service company; Photography studio; Watch maintenance; Home appliance repair shop);

A kind of education and training (business training school, computer training school, language training school, art training school);

Medium-risk industries include:

A catering industry (Chinese restaurant; Western restaurant; Cafeteria; Fast food restaurant; Cafe, dessert shop, cake shop and ice cream shop for eating in the hall; Herbal tea shop; Japanese restaurant; Chinese snack bar; Tea room);

Second-class retail (grocery store; Electronic products store; There is a convenience store in the gas station; Jewelry store; Antique shop; Watch shop; Pet shop);

Second-class service industry (modeling studio; Beauty salon; Manicure Mei Jie Store; Laundry and dressing room; Shoe repair shop; Tailor shop; Leather maintenance; Car wash shop; Auto repair shop);

Two types of education and training (preschool education center; Early childhood education institutions; Early education institutions);

A class of medical institutions (dental clinics; Physical examination center)

High-risk industries include:

Class II catering industry (hot pot restaurant (charcoal fire, natural gas, open fire); Pure bar (excluding discos, nightclubs and dance halls); Barbecue shop);

Three kinds of retail (convenience store (below 500 square meters);

Three types of education and training industries (dance classrooms; Yoga classroom (excluding aerial yoga);

Secondary medical institutions (private hospitals (no more than 50 beds)