Recently, the National Financial Supervision and Administration Commission issued a notice guiding financial institutions to improve the quality and efficiency of financial services for small and micro enterprises (SMEs) in 2025. SMEs play a vital role in the economy, absorbing employment and contributing to overall development. However, their small scale often means they face challenges in risk resistance. As a professional force in risk management, the insurance industry has an irreplaceable role in providing risk protection for SMEs.
China Dadi Insurance, guided by its “Value Dadi” blueprint, has been actively innovating and leveraging technology to enhance product accuracy and service efficiency. In 2024, the company comprehensively deepened its layout to promote the increase and expansion of financial services for SMEs.
Through in-depth on-site research, China Dadi Insurance visited industrial parks and commercial streets where SMEs are concentrated, engaging in face-to-face exchanges with business owners to understand their challenges and risk concerns. By utilizing big data to analyze vast amounts of information, the company has tailored a series of exclusive insurance plans for SMEs. These include:
Auto Repair and Protection: Designed for SMEs in the auto repair industry to cover risks such as vehicle damage and customer disputes.
Decoration Guarantee: Provides protection for SMEs in the decoration industry, addressing construction accidents and material damage.
Tongue Tip Protection: Focuses on SMEs in the catering industry to solve problems related to food safety and in-store accidents.
Aiqibao: Offers comprehensive protection to safeguard all aspects of enterprise operations.
These solutions have successfully served nearly 120,000 SMEs, building a solid safety barrier for their development.
Additionally, China Dadi Insurance has delved into niche markets, paying particular attention to small-scale businesses such as street-front restaurants and small production units. The company is actively building a smart fire protection service platform, leveraging advanced Internet of Things (IoT) technology to monitor fire hazards in real-time and innovate risk reduction service models.
In response to the rapidly changing micro and small e-commerce scenarios, China Dadi Insurance has developed a “Comprehensive Protection for Flexible Employment Scenarios” to address employment risk issues for SMEs with flexible employment models. The company has also launched a commercial comprehensive liability insurance purchase platform in collaboration with Amazon and introduced a “purchase first, pay later” project in the Taobao and Tmall scenarios to expand its service scope.
Looking ahead, China Dadi Insurance will continue to implement the development concept of “putting people at the center,” focusing on the actual needs of SMEs. By relying on technological and product innovation, the company aims to provide high-quality and considerate products and services, expand the strength and coverage of insurance guarantees, and help SMEs enhance their risk prevention capabilities, supporting their stable operation and development.
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