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火灾事故是保险标的受损的一个多发因素 ,所以防火已成为防范保险风险的一个重要方面。通过对山东省几年来发生的火灾事故的调查统计发现 ,用火不慎、电器火灾仍是火灾发生的主要原因 ,而中资企业火灾所占比重较大 ,私营企业火灾最为突出 ,一产和二产行业火灾起数多 ,三产行业损失大。保险公司应本着“防灾重于理赔”的原则 ,切实加强防灾防损服务 ,并且与投保企业共同努力 ,同防同治 ,将火灾隐患降到最低限度。
Fire accidents are a multifactorial factor in the damage to the subject matter of insurance, so that fire prevention has become an important aspect of preventing insurance risks. Through the investigation of the fire accidents in Shandong Province over the past few years, it was found that inadvertent use of fire, the electrical fire was still the main cause of the fire. However, the proportion of Chinese-owned enterprises’ fires was relatively large, the private enterprises were the most prominent ones, Secondary industry, the number of fire more than the loss of the tertiary industry big. Insurance companies should be based on the principle of “disaster prevention is important in claim settlement” and effectively strengthen disaster prevention and loss prevention services. In addition, insurance companies should work together with insurance companies to reduce the risk of fires to the minimum with the same name.