This opinion covers all in-service elevators nationwide, focusing on residential elevators, elevators in public gathering places such as shopping malls, schools, hospitals and rail transit. It is the first national special policy for the comprehensive promotion of elevator safety liability insurance in China. The core contents of the opinion include: first, clarifying the insured subjects and responsibility division, clarifying that the elevator user is the insured subject of elevator safety liability insurance, encouraging elevator production, maintenance and inspection units to insure together, and clarifying the rights, obligations and responsibility division of all parties to the insurance; second, expanding the insurance coverage scope, clarifying that the coverage scope of elevator safety liability insurance must cover third-party personal injury and property loss caused by elevator accidents, emergency rescue costs for elevator trapped people, elevator failure maintenance costs, and legal litigation costs, and encouraging insurance companies to expand value-added services such as elevator maintenance quality supervision, risk investigation and safety assessment; third, standardizing insurance service standards, formulating a unified national model clause for elevator safety liability insurance, clarifying the insurance rate floating mechanism, implementing rate discounts for units with good maintenance quality and standardized safety management, and implementing rate increases for units with potential safety hazards and frequent accidents; fourth, building a new "insurance + service" model, encouraging insurance companies to establish an elevator maintenance quality supervision mechanism, entrusting third-party institutions to carry out regular safety risk investigation and maintenance quality spot checks on insured elevators, linking maintenance quality and safety status with insurance rates, and promoting maintenance units to improve maintenance quality; fifth, strengthening policy support and promotion measures, encouraging local governments to introduce financial subsidy policies, giving premium subsidies for the insurance of old residential elevators and affordable housing elevators, and supporting the use of special residential maintenance funds to pay elevator safety liability insurance premiums; sixth, improving the collaborative supervision mechanism, establishing a collaborative working mechanism between market supervision departments, financial supervision departments, insurance companies and industry associations, realizing the sharing and intercommunication of elevator safety supervision data and insurance data, and carrying out joint supervision on the safety status, maintenance quality and accident situation of insured elevators. The opinion clarifies the implementation in three stages: 2025 is the pilot promotion stage, carrying out pilot projects in 30 provinces and cities nationwide, achieving 100% insurance rate of elevators in public gathering places; 2026 is the full coverage stage, achieving the insurance rate of in-service elevators nationwide reaching more than 80%; 2027 is the consolidation and improvement stage, comprehensively improving the elevator safety liability insurance system, and achieving the goal of more than 90% insurance rate. The implementation of this opinion has comprehensively improved China's elevator safety risk prevention and control system, enhanced the emergency disposal and risk guarantee capacity of elevator accidents, and also promoted the standardized development of the elevator maintenance industry, providing a Chinese solution for global elevator safety risk management.