Cause losses to the domestic hot weather insurance, no special – china car wash equipment
Recently, the Beijing hot weather. Some commercial establishments such as golf course customers reduced operating income decreased. Relevant staff have expressed the hope that the insurance company to launch an insurance product, when the weather is unusual, for these operators to protect the loss occurred. Reporter from Beijing's insurance company was informed that the domestic insurance company has no specific "weather insurance", but insurance companies have been ongoing studies in this area.
What is "weather insurance"
So-called "weather insurance" means that due to unusual weather caused economic losses suffered by businesses or individuals, by the insurance company to provide compensation to the insured.
Such insurance was first introduced in Japan in 1999, immediately after by the tourism, leisure entertainment, hotels, clothing, cold weather anomalies such as interest-sensitive sectors, Japan's major insurance companies have also involved. So far, Japan's "weather insurance" market has more than 60 billion yen, compared with growth of more than 20% over the same period last year.
Property insurance company in Japan launched the "blue skies risks", if mid-year in July to the end of August due to excessive rainfall, low temperatures affect operating results, the insured will be compensated. Mitsui Sumitomo Insurance Company introduced the "cherry risk" and "heat risk" for the cherry blossoms in full bloom dates and summer weather may be seven or eight months to provide insurance. Blue property insurance company set up "unusual summer weather insurance" for the customer there for the summer heat or cool summer damage insurance. Nipponkoa property insurance company launched the "Taiwan risk." On health and insurance companies have also introduced with the content and essentially the same insurance coverage.
There is no special internal "weather insurance"
Reporter from Beijing, several major property insurance company was informed that currently there is no specific national "weather insurance."
The Chinese People's Insurance Company Beijing Branch property associated told reporters, in domestic property insurance product, there are as spontaneous combustion, heavy rain, humidity caused by the loss of insurance, but there is no special "weather insurance."
Present, domestic and weather-related operating losses kind of insurance is mainly for loss of profits insurance business, such as business interruption caused by unexpected events, the insurance company is insured. And weather or climate-related insurance focused on marine cargo risks, such as shipping process, the goods because of spoilage or wet weather, high temperatures caused by deterioration, insurance companies can cover.
In Japan, commercial organizations such as the golf facility to insure "risk summer." When the hot summer, when unusual, approach golf customers significantly reduce the insurance company must pay insurance premiums to the company, to make up for lower earnings of the company. Reporter from a golf course near the airport learned that no one kind of domestic insurance products. Insurance companies to offer products just like "a hole" other insurance, as customers if they can, "a hole" golf venues have to pay large bonuses to customers. However, this probability is tiny.
Opportunities can not be ignored Some foreign insurance professionals that "weather insurance" business opportunities. In Japan, many agricultural organizations, tourism and leisure sector, beverage manufacturers are all starting to focus on weather insurance coverage. Expected to "weather insurance" market over the next few years will increase rate of 50%. Tokyo Financial Futures Exchange also decided during the year, this new financial derivative products traded.
PICC Beijing Branch official said, there are a number of domestic insurance companies are developing related products. Such as development of related products to a number of tourist attractions, the event encountered extreme weather, insurance companies can be liable for economic losses. But the difficulty of collecting data to larger, premium rates calculated to a certain degree of difficulty, which prevents the development of speed-related products.
Another insurance company believe that our country can learn from foreign experience, first developed some workable products. For example, Japan has a "cherry risks", the specific methods of operation are: insurance companies, please refer to meteorological experts, the cherry blossoms in recent decades, opening up the Japanese archipelago, the law on this temperature, sunshine and other weather forecasting issues, and research and analysis of these meteorological Data on the cherry blossoms open on impact and then expect the Japanese cherry blossoms open throughout the specific time. Travel insurance, leisure, entertainment and other clients can arrange the insurance company forecast schedule, if the opening date of cherry mixed with the insurance company's forecast, the insurance company will pay compensation to the insured. Use this idea to the Fragrant Hills in the leaves, Luoyang peony design insurance products, should be interesting.
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