SME insurance products over the past few more willing to spend money to buy insurance

"The external environment is not good, not to enhance their risk management, as a small company like ours is difficult to survive." Electrical appliances in a company's financial manager, Mr. Wu, recently, the company's purchase of a foreign insurance provided by enterprises, including financial Insurance, fire insurance, including comprehensive insurance. He said that the grim reality of the environment for a growing number of enterprises to strengthen their own risk management.

20,000 yuan insurance premium could be tens of millions of dollars loss

Miss Yan Dongguan is a restaurant and bar in charge. Miss Yan said that with the restaurant business is gradually on the right track to spend more and more guests will find the restaurant operators also risk increasing. In particular, the end of last year Zhangmutou a coffee shop after a fire broke out, the boss immediately instructed the relevant insurance must be purchased. "So we bought property insurance, public liability insurance, employer liability insurance, insurance of cash, machinery and equipment insurance, loss of profit insurance, the premiums do not think so expensive, all premiums Suanxia Lai less than 20,000 yuan, but the liability limit To reach nearly 1 million dollars. "

Appliance Co., Ltd. a financial manager Mr. Wu also told reporters: "We plant where the low-lying industrial areas, have been flooded almost every year that we were reluctant to buy insurance to settle the matter, but this year it is not easy to obtain financing from banks Therefore, we have taken out an insurance provided by the foreign investment package to solve our worries. "

In previous years, more than willing to spend money to buy insurance

Small and medium enterprises in Guangdong Province, the mainstay of economic development, according to the SME Bureau of Guangdong Province disclosed that the data show that the growth rate of GDP of Guangdong in 2008 remained at 10%, of which, particularly the contribution of small and medium enterprises in the first three quarters, small businesses Output growth rate of 1.6%, 12.9% of large enterprises than 3 percentage points. However, since last year, small and medium enterprises are facing increasingly on energy, raw material prices and rising labor costs and other difficulties, combined with the global financial tsunami, especially for export-oriented small and medium enterprises greater impact. There are insurance industry, small and medium enterprises on the whole risk is not high, have the majority of trusting to luck. However, last Friday in a foreign-funded insurance companies held a seminar on risk management, reporters found that, despite the severe economic situation this year, many companies saved, but there are many small and medium enterprises owners willing to spend money to buy more than usual Insurance.

Few insurance products for SMEs

However, the reporter visited the insurance company found that there are currently small and medium enterprises for the provision of insurance products, very few, only a few insurance companies have a number of products. According to an insurance anonymity said that SMEs do not have a strong sense of general insurance, the premium small-scale, so it is difficult to open up insurance companies.

The United States and Asia Insurance, general manager of the Guangdong branch of the right-Fu, in general, prices Insurance, fire insurance, employee personal accident insurance, freight insurance, employer liability insurance, such as 5 insurance companies have the ability to purchase, then all should be. Dongguan as the annual summer floods have, in June this year, is repeated heavy rainfall, some companies also suffered floods, the water inside the plant to every half an hour the speed of 60 cm rise in serious property damage, risk management, if not Do, small and medium enterprises is likely to be knocked down by a severe economic situation. He said: "The more severe the economic situation in the period, of SMEs should be more emphasis on risk management, risk management, only a bit to do, business in order to defuse the crisis, and ride out the storm."