Alleviate Labor Shortage: Provide More Insurance Coverage For Employees

As the most populous country in the world, China today has many

Reporters from Beijing, Tianjin, Shanghai and other places of migrant workers

In recent years, the phenomenon of "labor shortage" has repeatedly appeared, exposing the unreasonable aspects of China's social distribution, industrial structure, laborers' quality and so on.

Some experts especially mentioned that the shortage of migrant workers stems from the shortage of rights and systems.

The government should take "labor shortage" as an opportunity to improve the labor market, such as providing more social security for migrant workers, so as to alleviate the phenomenon of "labor shortage".

In this regard, insurance professionals believe that employers can not solve the worries of employees, resulting in insufficient employee benefits, which is one of the causes of "labor shortage".

But in the context of rising global production of raw materials and increasing labor costs, how can employers consider both cost and employee benefits?

One suggestion is that in addition to attractive conditions such as raising salaries, reducing employment requirements and providing free room and board, business owners can purchase corresponding insurance, such as employer liability insurance, as an additional employee benefits to meet employees' sense of security, which can attract employees and retain employees, and also can pfer the risk of the extra cost of human resources that the enterprises may face due to the loss of human resources through small premiums.

Zurich insurance liability insurance department responsible person interviewed by reporters, the company has launched "enterprise worry" employer liability insurance.

As the name implies, it provides employers with the risk protection provided by employees in the course of their employment. The amount of compensation is up to 5 million yuan per day, plus the non industrial accident protection for employees, such as outside medical expenses, compensation for stop work, compensation for hospitalization and so on. Each compensation amount is as high as 1 million yuan.

"As long as there is a contractual relationship between the employee and the employer, the employer liability insurance has a protective effect on the employee, which is different from the compulsory social insurance and group accident insurance by the government, and the enterprise does not need to register the employees one by one when it is insured."

The responsible person said, this is in line with the current situation of frequent temporary workers and frequent flow of personnel in the employing units. On the one hand, the procedures for handling social security are relatively complex, especially for the employees in the field. It is difficult to pfer social security relations quickly. On the other hand, it is not realistic to handle social security for short-term work. But in the "vacuum period" of insurance, enterprises need to guard against the loss of employees due to incomplete staff protection.

"Once an enterprise employee is out of danger, the employer liability insurance is a commercial insurance whose compensation is independent of industrial injury insurance and group accident insurance (except for medical expenses), and employees who cannot get compensation according to the industrial injury insurance Ordinance can be compensated through legal proceedings."

The responsible person said that the design and introduction of employer liability insurance is a special case that takes full account of the mobility of migrant workers and the low affordability of insurance premiums, and the crowd is often in the front line of production, and the possibility of accidents is relatively greater.

After the holidays, employers are racking their brains for hiring.

Industry experts suggest that employers should increase their welfare benefits by purchasing employer liability insurance and so on. When recruiting, they will put the relevant safeguard plan in the "recruitment notice", or raise the "chips" of recruitment, to a certain extent, alleviate the phenomenon of "labor shortage", which coincides with the requirements of "employment pparency" in the labor contract law. It is an effective way to attract talents and retain talents.