Safe? Safe! Safe to use! All potential users of oversized ceiling fans are repeatedly weighing, considering and even confused when deciding whether to choose this product!
Assuming that there is such a product liability insurance for the fall of oversized ceiling fan parts, is the user safer?
Hengzhengtong believes that purchasing insurance cannot change the safety status of users, but only allows the purchasing department or purchasing decision-makers to be "guaranteed" at least at the literal level, and the work is different.
So is there a "hypothetical" oversized ceiling fan component fall product liability insurance that we mentioned above?
At least we didn't find out!
Generally speaking, insurance companies pay attention to the risk rate, or loss ratio, for a type of insurance, from which the amount of insurance that the insurer needs to pay can be calculated.
For insurance companies, the calculation of the loss ratio is based on the international, national or at least recognized industry standard of the product, and then refers to the historical data of the loss ratio. The most common and widely used daily product is the electrical part of electrical product liability insurance.
The super-large ceiling fan industry is a very short history and rapid development of the environmental protection sunrise industry at least in the searchable literature, especially the assessment report of the risk of falling of blades or other components, and the corresponding safety manufacturing standards, installation standards.
Then, for layman insurance companies, in the absence of reference standards, no risk assessment formula, and no historical data, how to reasonably and accurately calculate the loss ratio, so as to determine the appropriate amount of insurance has become a difficult work, or even impossible work.
Hengzhengtong's suggestion is that customers should ask for the original insurance documents of the product liability insurance claimed by the supplier, and determine whether they have provided themselves with a product liability insurance that can be compensated for the risk of falling oversized ceiling fan components.
For oversized ceiling fans with very simple control components, the product electrical part liability insurance is better than nothing, but its pertinence and effectiveness need to be judged by customers.
At least, before the above industry standards can be applied to component fall product liability insurance, Hengzhengtong takes the lead and promises to customers the liability for compensation for component falls!