Insurance disaster prevention and loss prevention is the work of insurance companies to identify, analyze and deal with various risks that may occur in the insured subject matter to prevent disaster accidents and reduce disaster accident losses.

It plays the role of safeguarding the safety of people's lives and property, reducing the loss of social wealth, reducing the burden of insurance premiums on policyholders, and promoting the improvement of operation and management of insurance companies.

Insurance disaster prevention and loss prevention are closely related to social disaster and loss prevention; in terms of purpose and results, both are to reduce the loss of social wealth.

Basic introduction: From the perspective of the main body of loss prevention, the main body of the former is the insurance company, while the main body of the latter is the specialized disaster prevention department or institution of society; from the perspective of the object of loss prevention, the former is the insurance subject underwritten by the insurance company, and the latter is the insurance subject matter throughout society.

The property or personal belongings of various agencies, enterprises, institutions and individuals; From the basis of loss prevention, the former is based on the rights and obligations of the insurance contract, and the latter is based on national laws and regulations; From the perspective of loss prevention means

, the latter can take administrative measures and impose administrative sanctions and financial penalties on those who fail to comply with the regulations. The former can only make loss prevention suggestions to the insured and urge them to make rectifications. For those who do not make improvements, they can only refuse underwriting or make changes in compensation.

Give limits.

In practice, insurance companies should actively participate in and cooperate with the work of social disaster and loss prevention departments, actively and frequently carry out loss prevention publicity, popularize disaster and loss prevention knowledge and the relevant laws, regulations and insurance contracts on disaster and loss prevention.

, regulations on the obligations of the insured, etc.; conduct frequent safety inspections to discover hidden dangers and eliminate them in a timely manner; establish and rationally use insurance loss prevention funds to increase the loss prevention capabilities of all parties concerned; establish a specialized disaster prevention technical team and disaster prevention

Research institutions to further enhance the ability to withstand disasters and loss prevention, and better play the role of insurance.