"Guidance on the Work of Environmental Pollution Liability Insurance" officially announced

Following the "green credit," the "green insurance" system, which was called the second environmental economic policy, was launched a few days ago. On February 18, the "Environmental Pollution Liability Insurance Work" jointly formulated by the State Environmental Protection Administration and the China Insurance Regulatory Commission The "Guiding Opinions" was formally announced. The "Opinions" clearly stated that in the future, the risk of environmental accidents that companies may have can be insured by insurance companies. In the event of a pollution incident, insurance companies will compensate pollution victims. The victims were compensated, the insurance companies avoided bankruptcy, and the government reduced the financial burden. This is a new environmental and economic policy that benefits the three parties together.
Three kinds of enterprises first pilot According to the State Environmental Protection Administration, the recent Central Economic Work Conference put forward that “we must speed up the introduction and implementation of incentive policies that are conducive to energy-saving emission reductions, such as prices, fiscal taxes, and finance”, and rely on the excessive use of administrative measures by environmental protection agencies. The use of economic instruments to promote the change of pollution reduction puts forward requirements. Last year, frequent domestic environmental incidents prompted the introduction of the environmental pollution liability insurance system. Pan Yue, deputy director of the State Environmental Protection Administration, said that at present, China has entered a period of high environmental pollution accidents. Among the 7555 large-scale heavy chemical industry projects, 81% are located in sensitive areas such as river waters and densely populated areas; 45% are major risk sources, and the corresponding preventive mechanisms are flawed. In 2007, the emergency environmental incidents handled by the SEPA reached 108, with an average of two working days. After the pollution accident occurred, the victim of pollution could not obtain compensation in time, which led to many social conflicts. The current status of “illegal enterprise pollution gains, and environmental damage to everyone’s bills” cannot continue.
According to the “Opinions” requirements, the two departments will carry out pilot work on the production, operation, storage, transportation, and use of hazardous chemicals companies and petrochemical companies and hazardous waste disposal companies that are prone to pollution accidents. All three types of enterprises are enterprises and industries that are prone to major pollution accidents. The pilot areas include Ningbo, Zhejiang, Henan, Chongqing, and Suzhou, Jiangsu. Regarding the underwriting targets and compensation standards, the State Environmental Protection Administration stated that at the current stage, the environmental pollution liability insurance is subject to sudden and accidental direct environmental pollution losses. Apart from three types of enterprises, including hazardous chemicals, petrochemicals, and hazardous waste disposal, other types of enterprises and industries can also be tried on a voluntary basis.
The system is implemented in four steps. Panyue said that at the operational level, the environmental pollution liability insurance will be implemented in four steps: First, determine the legal status of environmental pollution liability insurance, and add "environmental pollution liability insurance" in national and provincial environmental protection laws and regulations. When the terms and conditions are ripe, special regulations on “environmental liability insurance” will be issued. Second, the current environmental pollution liability insurance policy will cover the direct loss of environmental pollution caused by sudden accidents and accidents. The third is the environmental protection department. Insurance regulatory agencies and insurance agencies perform their duties, the environmental protection department puts forward the list of corporate insurance policies and damages standards; insurance companies develop environmental liability insurance products, rationally determine the scope of liability, and determine the rate of classification; insurance regulatory departments formulate industry norms and conduct market supervision. Fourth, the environmental protection department and the insurance supervision department will establish an environmental accident investigation and responsibility recognition mechanism, a standardized claims procedure and an information disclosure system. When the conditions are perfect, it is necessary to explore the mechanism for the third party's responsibility recognition.
Pan Yue said that "the use of the environmental pollution liability insurance system has been widely used in the world." In China, the system in this area is not perfect. The joint release of the SEPA and the China Insurance Regulatory Commission is only a "guidance opinion," and it is not a detailed and strict insurance clause. The relevant departments of the China Insurance Regulatory Commission also stated that the companies that are very concerned about which companies should be insured, what happened to pollution accident insurance companies, and the extent to which they have been compensated have not yet been clearly identified.
Large-scale chemical companies can not be special Pan Yue especially pointed out that the implementation of environmental pollution liability insurance system does not mean that companies can be confident to boldly decontamination. Because the charges for environmental insurance are directly proportional to the degree of pollution in the company, if the risk of a company's pollution accident is very high, then high premiums will overwhelm the company. Insurance companies also employ experts to prevent and control the insured's environmental risks. The supervisory role of this market mechanism will force companies to reduce pollution levels.
Insuring “green insurance” will inevitably increase the cost of the company. Previously, some large companies including PetroChina and Sinopec have stated that they support the implementation of environmental pollution liability insurance, but it is not appropriate to include large chemical companies in the responsibility of environmental pollution at present. Within the scope of compulsory insurance. The reasons are: The company has strong financial resources and can solve the problem of pollution compensation on its own; it is not well coordinated with the existing insurance and fund systems. For example, CNPC and Sinopec have a “safety production guarantee fund”. The fund has already involved environmental protection; some pollution liability has been damaged. If the compensation limit for oil pollution damages is large, and it is feared that domestic insurance companies do not have the ability to insure, it is recommended that the environmental pollution liability insurance be included in the production cost of the enterprise.
To this end, the national environmental protection department specifically pointed out that certain risk aversion mechanisms may play a role after the accident. However, when environmental pollution responsibility is promoted as a system, no company has any particularity. Although the current environmental pollution liability insurance system is not yet mandatory, the government will gradually make it mandatory through the guidance. At this stage, it will rely on the environmental protection department's existing environmental impact assessment, "three simultaneous" acceptance, discharge permits, etc. The system promotes the implementation of the environmental pollution liability insurance system.

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