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Damage Liability Insurance as an Alternative Means of Food Quality and Safety Management

https://doi.org/10.35627/22195238/2021-339-6-56-64

Abstract

Introduction: Widespread violations of mandatory requirements entails administrative measures that cause economic damage to both consumers and economic entities. In the context of the development of integration processes and harmonization of legislation, new, more effective approaches to the governmental control (supervision) and food quality and safety management based on prevention of violations and reduction of damage risks are being introduced.

 The objective of our work was to substantiate the necessity of damage liability insurance for producers and retailers as an instrument of improving quality and safety of foodstuffs and reducing risks of damages to consumers and economic operators.

Materials and methods: We analyzed data of the Sverdlovsk Regional Rospotrebnadzor Office, the Center for Hygiene and Epidemiology in the Sverdlovsk Region, the Federal Service of State Statistics, the Regional Solid Household Waste Management Operator, the Yekaterinburg Municipal Unitary Enterprise “Spetsavtobaza”, as well as provisions of the Code of the Russian Federation on Administrative Offenses, using comparative and time-series methods.

Results: We established factors accounting for the cumulative economic damage to consumers and economic operators from circulation of substandard food products and found that they contributed differently in terms of the amount of property damage and health damages to consumers. Administrative penalties are the main reason for the property damage to economic operators. Intestinal infections cause most physical and material losses to consumers and these damages are inevitably shared with the state. Dairy and meat industries with extremely high risks incur the greatest financial losses. The use of various approaches to food safety management, including damage liability insurance, will help minimize risks, prevent their consequences, and protect consumers and economic operators.

Conclusion: Violation of regulations poses significant risks of damage to consumers and economic losses to economic operators. Insurance may be considered as an alternative means of risk management motivating businesses to ensure food quality and safety, protect consumers and help maintain their health, and reduce economic losses.

About the Authors

V. B. Gurvich
Yekaterinburg Medical Research Center for Prophylaxis and Health Protection in Industrial Workers
Russian Federation

Vladimir B. Gurvich, D.M.Sc., Scientific Director, Yekaterinburg Medical Research Center for Prophylaxis and Health Protection in Industrial Workers of the Federal Service for Consumer Rights Protection and Human Wellbeing (Rospotrebnadzor)

30 Popov Street, Yekaterinburg, 620014



T. V. Mazhaeva
Yekaterinburg Medical Research Center for Prophylaxis and Health Protection in Industrial Workers
Russian Federation

Tatyana V. Mazhaeva, Candidate of Medical Sciences, Head of the Department of Food Hygiene, Quality and Safety of Goods, Yekaterinburg Medical Research Center for Prophylaxis and Health Protection in Industrial Workers; Associate Professor, Department of Food Technology, Ural State University of Economics

30 Popov Street, Yekaterinburg, 620014



S. V. Sinitsyna
Yekaterinburg Medical Research Center for Prophylaxis and Health Protection in Industrial Workers
Russian Federation

Svetlana V. Sinitsyna, Research Scientist, Department of Food Hygiene, Quality and Safety of Goods

30 Popov Street, Yekaterinburg, 620014



V. I. Kozubskaya
Yekaterinburg Medical Research Center for Prophylaxis and Health Protection in Industrial Workers
Russian Federation

Valentina I. Kozubskaya, Research Scientist, Department of Food Hygiene, Quality and Safety of Goods

30 Popov Street, Yekaterinburg, 620014



E. L. Bortsova
Ural State University of Economics
Russian Federation

Ekaterina L. Bortsova, Candidate of Economic Sciences, Associate Professor, Department of Food Technology

62 8 Marta Street/45 Narodnaya Volya Street, Yekaterinburg, 620014



N. G. Sheluntsova
Office of the Federal Service for Surveillance on Consumer Rights Protection and Human Wellbeing in the Sverdlovsk Region
Russian Federation

Nataliya G. Sheluntsova, Head of the Department of Food Hygiene Supervision and Consumer Protection in the Consumer Food Market

3 Otdelny Lane, Yekaterinburg, 620078



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Review

For citations:


Gurvich V.B., Mazhaeva T.V., Sinitsyna S.V., Kozubskaya V.I., Bortsova E.L., Sheluntsova N.G. Damage Liability Insurance as an Alternative Means of Food Quality and Safety Management. Public Health and Life Environment – PH&LE. 2021;(6):56-64. (In Russ.) https://doi.org/10.35627/22195238/2021-339-6-56-64

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ISSN 2219-5238 (Print)
ISSN 2619-0788 (Online)