Why building materials companies are keen to insure

In Zhangzhou home building materials market, a dozen or so brands have insured liability insurance or product quality insurance at the insurance company, including a number of building material manufacturers in their individual products, including Promax, Tian Tao, and some door and window brands. Departments will be marked with words such as "PICC Underwriting" and "Yongan Underwriting."

Personal Accident Insurance, Car Insurance, Travel Insurance... At the moment, various types of insurance have infiltrated the lives of citizens. With the rapid development of the insurance market in Zhangzhou and the continuous refinement of the market, more industries have turned their attention to insurance. The home industry is one of them. A few days ago, the reporter found during the visit, many building materials businesses have quietly played the "insurance card."

Insuring into the selling point of building materials "Look, our company's products are covered by Ping An Insurance. Even if there is an accident, you will certainly not suffer losses..." A few days ago, in the urban building materials market, a shower room Mr. Liu, the owner of the store, introduced the various advantages of her products enthusiastically to Ms. Lin. She emphatically explained to her the insurance situation of the products. Ms. Lin really dismissed her concerns and offered her money.



The building materials products on the market are mixed and insured. "Ms. Lin said. Like Ms. Lin's psychology is a lot of consumers, Mr. Liu confirmed to reporters, insurance products are very popular with consumers, as a product selling point, the effect is good.

Later, when the reporter visited the building materials market, it was discovered that a number of building material manufacturers, including Promax, Tiantao Sanitary, and some door and window brands, would display “PICC underwriting” or “Yongan underwriting” in the conspicuous places of their individual products. Such words. If you add lighting, range hoods and other products, Zhangzhou home building materials market has a brand of 20 insurance companies insured liability insurance or product quality insurance.

Product insurance so that multiple parties benefit, then, building materials business and insurance companies advertised in the interest of the relevance of the extent of how much? Reporter specifically consulted PICC Zhangzhou Branch of the relevant person in charge.

It is understood that companies are investing in so-called "product quality insurance" or "product liability insurance" in order to reduce corporate risks and have little to do with the interests of distributors and consumers. “As for products with high risk of self-detonation such as shower rooms, if there are incidents of injury, the compensation pressure of the company will be relatively large. Some strong companies have a strong sense of insurance, so they are willing to invest in this area.” Say.

As for the benefits of business insurance for consumers, the person in charge said that it is not absent. For example, it is very easy for businessmen and consumers to make wreaks about compensation, or if the business does not have the money to pay. At this time, if an insurance company intervenes, the parties will not be blushing when dealing with compensation.

The person in charge also said that consumers may think that the product has problems during the warranty period, and it causes losses to itself. Of course, the merchants will make payments. Therefore, whether the business is insured is not related to consumer rights protection. The actual situation is not the case. The person in charge explained that consumers can claim compensation from merchants through the relevant documents they obtained when they purchased the product, and then they went through headquarters to recover claims from the insurance company. In this way, at least the accident handling time can be greatly shortened and the consumer can be given a certain amount of care in advance. Of course, the brand image of the business has also been improved in accident handling.

The warmth of building materials for insurance is not high. Property insurance has various benefits for all parties in the market, but overall, the enthusiasm of the entire building materials market for insuring insurance needs to be improved.

A brand ceiling shopping guides even said: "Since those brands have advertised their products have no problem in terms of quality, why do they have to waste extra money?" The shopping guide believes that even her grass-roots sales staff are Knowing the reasons for cost savings, in the case of manufacturers with specialized financial personnel, they are certainly reluctant to invest in insurance.

The relevant staff of Zhangzhou City Insurance Association told reporters that at present, Quzhou has very few customers in this area. In addition to the lack of insurance awareness among relevant companies in Quzhou, factors such as the lack of relevant industry standards and lack of authoritative third-party appraisal institutions have also led insurance companies to stagnate in the field of home building materials. "If insurance companies want to introduce relevant types of insurance, they must fully understand the scale, qualifications, product maturity, and related organization certification of the building materials company, and use this as a basis to determine the rates. Unfortunately, many of them are in Blank status, said the staff member.

However, the staff revealed that since this year, several local ceramics and furniture companies in Zhangzhou have taken the initiative to contact the local large-scale insurance companies and have contact with the insurance companies. Although the contract has not yet been finalized, it is not a small improvement. .