防灾防损工作自保险事前风险防范的重要手段之一。保险防灾防损是保险双方共同努力,采取措施,减少或消除风险发生的因素,从而降低保险经营成本,提高经济效益的经营活动。保险防灾防损的方法主要有:第一,加强保险防灾宣传、咨询工作,举办各种宣传活动,提高人们的防灾意识。第二,积极配合社会上专门的防灾组织,开展各项防灾工作。第三,对重点保户进行安全检查,定期不定期深入重点保户进行实地安全检查。第四,条款制约与费率优惠,如在投保、续保中规定无赔款或防 Disaster prevention and loss prevention work one of the important means to prevent risks in advance. Insurance Disaster Prevention and Loss Prevention is a joint operation of insurance parties to take measures to reduce or eliminate the risk factors, thereby reducing insurance operating costs and improve economic efficiency of business activities. The main methods of insurance disaster prevention and loss prevention are as follows: First, strengthen insurance disaster prevention publicity and consultation work, hold various publicity activities and raise people’s awareness of disaster prevention. Second, we will actively cooperate with specialized disaster prevention organizations in our society to carry out disaster prevention work. Third, carry out safety inspections on key policyholders and conduct regular on-site inspections by key policyholders from time to time. Fourth, the terms of the constraints and rates concessions, such as in the insurance, renewal provisions in the absence of indemnity or prevention