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The security service company is the public security organ that accepts the application. It shall conduct a review within 15 days from the date of receipt of the application materials, and report the review opinions to the public security organ of the people's government of the province, autonomous region and municipality directly under the Central Government where it is located. In daily work, there are certain dangers. And dangerous occupations have a higher risk of rejection during the insurance application process. Recently, a security service company was refused compensation because it failed to truthfully inform the insurance company.
Yingde City, a security service Co., Ltd. insured more than 50 people from a life insurance company for group accident injury insurance. After applying for insurance, Zhang, an employee of the company, died on the spot when he accompanied the explosives in the car and the detonator exploded. The family members of the deceased claimed compensation from the insurance company and were refused compensation. The family members filed a lawsuit with the court. After trial, the court held that the insurance company refused compensation, and the judgment
insurance company after receiving the claim of Zhang's family, after verification found that the employer to Zhang accident insurance clear occupation category is occupation code 190301 security (ie factory, company, building), and the accident occurred when the actual work is escorted explosives, detonators, work content has exceeded the scope of security work responsibilities agreed upon at the time of insurance, so no claim.
court found after trial, Yingde City, a security service Co., Ltd. for Zhang insured occupation for security, occupation category 190301, that is, security personnel (factory, company, building, etc.). On September 1, 2011, a security service company in Yingde City signed the Agreement on Guards Supervision with a blasting equipment company in Yingde City, and dispatched 22 security personnel to undertake the work of monitoring the guns. The responsibilities of security guards are: supervise the custodians to keep and distribute explosives according to regulations, and the blasters to receive, use, and clear the explosives according to regulations.
The court held that a security service company in Yingde City knew that it had no concession qualifications for civil explosive work, and also signed the Agreement on Guards Supervision with a blasting equipment company in Yingde City. Subsequently, when signing a series of insurances such as group accident insurance with an insurance company, deliberately concealed the fact that the insured was dispatched to monitor the guns, which would cause the insured to increase the risk of accidental injury. If the policyholder intentionally or due to gross negligence fails to fulfill the obligation to inform the truth stipulated in the preceding paragraph, the insurer has the right to terminate the contract and is not responsible for compensation or payment of insurance money, so the plaintiff's claims are rejected according to law.
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