In the Zhangzhou home building materials market, a growing number of brands are now offering liability or product quality insurance to their customers. This includes well-known manufacturers like Promax and Tian Tao, as well as several door and window brands. Their products often feature labels such as "PICC Underwriting" or "Yongan Underwriting," signaling a commitment to quality and safety.
Insurance has become an integral part of daily life, with personal accident, car, and travel insurance being widely adopted. As the insurance market in Zhangzhou continues to grow and mature, more industries are beginning to explore its potential. The home building materials sector is one such area that’s gaining attention. During a recent visit, reporters observed that many building material businesses are quietly leveraging the "insurance card" as a competitive advantage.
At a shower room store in the city, Mr. Liu, the shop owner, emphasized the insurance coverage on his products to a customer, Ms. Lin. He explained how the insurance would protect her from any losses in case of an accident. Her concerns were eased, and she decided to make a purchase. Many consumers share Ms. Lin’s mindset, and according to Mr. Liu, this approach has proven effective in boosting sales.
During the visit, it was noted that several manufacturers, including Promax, Tiantao Sanitary, and various door and window brands, prominently display insurance-related tags on their products. In total, over 20 insurance companies have provided liability or product quality insurance for different brands in the local market.
Product insurance brings benefits to multiple parties. But how much do building material businesses and insurance companies actually gain from these partnerships? To find out, the reporter spoke with a representative from PICC Zhangzhou Branch.
According to the representative, companies invest in product quality or liability insurance primarily to reduce risks. While this may not directly benefit distributors or consumers, it helps build trust. For high-risk products like shower rooms, where accidents could lead to serious injuries, insurance provides a crucial safety net. Stronger companies tend to be more proactive in adopting such measures.
From the consumer perspective, insurance can simplify the compensation process. If a dispute arises between the buyer and seller, or if the business lacks the funds to pay, an insurance company's involvement can help resolve the issue more smoothly. Consumers can file a claim through the documents they received when purchasing the product, and then seek reimbursement from the insurance company. This not only speeds up the process but also ensures some level of support for the consumer.
Despite these advantages, the overall enthusiasm for insurance among building materials businesses remains low. Some industry insiders question the necessity of paying extra for insurance, especially when brands already promote their products as defect-free. Sales staff at some stores are aware of the cost implications, and even manufacturers with financial teams may be hesitant to invest in insurance.
According to a staff member from the Zhangzhou Insurance Association, the current level of interest in this area is still limited. Several factors contribute to this, including a lack of insurance awareness, unclear industry standards, and the absence of authoritative third-party appraisal institutions. Insurance companies need to thoroughly assess the size, qualifications, and product maturity of building materials firms before offering coverage, which many companies currently lack.
However, there are signs of progress. This year, several local ceramic and furniture companies have started reaching out to major insurance providers, indicating a positive shift. Although contracts are still pending, this development marks a step forward in the integration of insurance into the building materials industry.
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