Our Country Food Security Liability Insurance Development Research

In recent years, China’s food safety accidents occur repeatedly, not only seriously affected the people’s physical health level and quality of life, the more the country’s economic and political order caused great impact. Serious hazards of food safety accidents has caused the social from all walks of life to the food safety responsibility insurance of profound thinking, also enhanced the public in the process, of food consumption safety awareness, make people more attention to food safety problems, also caused the insurance, the theoretical circle on the subject of food safety liability insurance and a lot of property insurance company also has carried on the food safety liability insurance products, which means that the food security liability insurance has become a hot problem in the insurance market in our country.Food safety liability insurance is to protect the victim’s personal safety and property interests as the core of insurance variety, the food companies risk transfer and loss compensation of victims has very unique advantage, make the legitimate rights and interests of victims get effective safeguard, make the normal operation of the economic and social order has been effectively maintained, and the development of food safety liability insurance is of great significance.The continuous occurrence of food safety accidents has aroused great concern among the public and regulatory agencies to the food safety issues, and also make the community eager to get food safety liability insurance. The risk of food safety liability insurance can effectively passed on food enterprises, so that consumers get good protection, so as to lighten the pressure of the government, has played an important role in the insurance economic and social stabilizer booster, so our country carry out food safety liability insurance pilot work of the delay. April 24,2015, the state legislature considered and by the latest revision of the Chinese People’s Republic of China Food Safety Law "and the method to carry out food safety liability insurance provisions, this will be to promote the rapid development of China’s food safety liability insurance. Although at present, a lot of areas of our country have been carried out the pilot work of food safety liability insurance, and a lot of property insurance company launched a related food safety liability insurance products, but food safety liability insurance whether in premium income and system of construction development is relatively slow, is still in the initial stage, at this stage of development in the lack of effective supply and demand situation. Our country insurance theory of food safety liability insurance study mainly concentrated in the development of compulsory food safety liability insurance is the necessity and feasibility on missing from the aspect of the overall point of view and the system construction analysis of food safety liability insurance.Based on the latest revision of the "food safety" as the background, this paper briefly introduces the meaning of food safety liability insurance, characteristics and influence, the development status of food safety liability insurance are expounded, and its development in the problems and the causes are analyzed in focus, expounds the development experience of foreign product liability insurance in developed regions, puts forward some Suggestions to promote the development of our country food security liability insurance measures.