What types of insurance are available for automated parking garages?
Release Time:
2020-06-23
With the increasing number of automated parking garages, the number of accidents in these garages is also increasing. Purchasing insurance for automated parking garages has become a way to reduce economic losses caused by unexpected accidents. Insurance for automated parking garages mainly includes product liability insurance, public liability insurance, and employer's liability insurance.
In order to resolve the contradiction between the land occupied by parking spaces and the limited land area, Automated parking garages are increasingly being introduced to the market, alleviating the problem of parking difficulties to some extent. According to relevant statistics from the Automated Parking Garage Association, approximately 2,600 new automated parking garages (including dedicated car lifts) are added annually in China, with approximately 900,000 new automated parking spaces added each year. With the automated parking spaces growing in number, accidents are inevitable during the operation of the large number of automated parking garages put into use, thus facing the risk of direct economic losses caused by accidents within the automated parking garages. How to avoid economic losses caused by accidents? This risk of losses from accidents can be transferred by purchasing automated parking garage insurance.
What types of automated parking garage insurance are available?
1. Product Liability Insurance for Automated Parking Equipment: This type of insurance can mitigate the risks of compensation liabilities for enterprises caused by accidents during the use of automated parking equipment, such as third-party personal injury and property damage. After conducting research, the association found that enterprises in the industry have purchased this type of insurance, but the insurance costs vary greatly, and claims are difficult. Based on enterprise needs, the association, in conjunction with Ping An Insurance, has developed this insurance plan. Enterprises can not only customize their own insurance plans by selecting compensation limits and deductible rates based on their annual sales, but can also achieve high compensation limits, low premiums, and convenient claims. (Note: This plan can be insured through Ping An Insurance.)
2. Public Liability Insurance for Automated Parking Equipment: This type of insurance is insured per parking space per project. The annual premium per parking space has been reduced from the original 90-240 yuan to 30 yuan, regardless of project size, region, or whether the parking space is new or old, and without any deductible. The annual cumulative compensation limit per project is 10 million yuan, the compensation limit per accident is 2 million yuan, the compensation limit for property damage per person per accident is 200,000 yuan, and the compensation limit for personal injury or death per person per accident is 200,000 yuan. Under the current legal environment in China, this type of insurance can fully transfer the liability compensation risks of parking equipment manufacturers and garage users, which is conducive to the healthy development of the industry. Insurance for each parking space can also reassure the public and consumers. (Note: This plan can be insured through PICC, Ping An Insurance, and China United Property & Casualty Insurance for automated parking garage insurance.)
3. Employer's Liability Insurance for Automated Parking Equipment: Employer's Liability Insurance (for automated parking equipment installation workers): If an employee of the insured suffers injury, disability, or death due to an accident or work-related occupational disease as defined by the state during their employment period while performing the work specified in the insurance policy, and meets the requirements of Articles 14 and 15 of the "Work Injury Insurance Regulations" issued by the State Council, it can be recognized as a work-related injury. (Note: This plan is applicable to Ping An Insurance and China United Property & Casualty Insurance.)
What are the benefits of automated parking garage insurance?
Purchasing automated parking garage insurance can provide automated parking equipment manufacturers, owners, users, managers, and maintenance personnel at various stages with a way to transfer risks and provide comprehensive property protection. Automated parking garage insurance provides comprehensive risk protection for accidents occurring in automated parking garages, ranging from equipment liability to business premises liability, including economic damage and personal injury caused to consumers due to equipment reasons, and damage to vehicles caused by garage operation and management reasons (such as vehicle scratches, personal injury, vehicle theft, property loss, unclear accident liability, etc.).
Automated parking garage insurance also protects the vital interests of front-line installation and maintenance personnel in automated garages. Since the launch of this unified insurance project, it has effectively reduced the risks and insurance costs of the production, installation, management, and maintenance of parking equipment. In recent years, more and more enterprises have purchased insurance, and automated parking garage insurance has provided comprehensive protection for parking equipment manufacturers, parking equipment users, and parking equipment maintenance units.
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