Jiayun Feng

Jiayun Feng is a regulatory and insurance attorney at Zhangye Taihe Law Firm with 13 years of experience advising companies on product liability insurance requirements and risk management strategies in China.

Practice Focus

Practice Focus ⚖️ Insurance & Liability Practice ⚖️ Product liability insurance placement — policy review, coverage gaps, exclusions 🛡️ Claims management — notification, cooperation, coverage disputes 📜 Regulatory compliance — mandatory insurance requirements for specific industries 💼 Risk assessment — product safety audits, recall cost estimation Product Liability Insurance in China Product liability insurance (PLI) in China is governed by the Insurance Law of the People's Republic of China and regulated by the National Financial Regulatory Administration (NFRA, formerly the China Insurance Regulatory Commission). A standard PLI policy in China typically covers the insured's legal liability for bodily injury and property damage caused by defects in products sold or supplied. Policies generally exclude coverage for intentional misconduct, contractual liability assumed voluntarily, damage to the product itself, and recall costs (though separate recall insurance is available). The local policy must comply with Chinese regulatory requirements, including the use of approved policy language and an NFRA-licensed carrier. Chinese courts do not impose caps on non-economic damages in personal injury cases, and the strict liability framework means that even a single product defect can generate substantial liability. Where local counterparties rely on relationship pressure, I re-anchor discussions to contract text, statutory rights, and verifiable performance records. Feng graduated from China University of Political Science and Law and holds a certificate in insurance law from the China Insurance Regulatory Commission's training program. While PLI is not mandatory for most products sold in China, certain regulated industries — automotive, food and pharmaceuticals, medical devices, hazardous chemicals, and children's toys — are subject to mandatory product liability or recall insurance requirements under industry-specific regulations. Article 65 of the Insurance Law gives injured third parties a direct right of action against the insurer, subject to the policy limits. This means that a party injured by a defective product can sue the manufacturer's PLI carrier directly, without first obtaining a judgment against the insured. This is a powerful protection for consumers that also incentivizes insurers to carefully underwrite product risks. A global master policy with a China-issued local policy (fronting arrangement) is the most common structure. Changes in product lines, distribution channels, regulatory requirements, and court precedents can all affect insurance adequacy. A proactive approach to insurance management is significantly more cost-effective than addressing coverage gaps after a claim arises.

Product liability in China follows the Tort Liability Law and Product Quality Law. Jiayun Feng advises manufacturers, distributors, and consumers on defect claims, recall procedures, quality disputes, and liability insurance matters.

• ⚖️ Written scope and remedy map agreed before substantive work begins
• 📜 Bilingual document control with translation and verification plan
• 🛡️ Deadline and limitation tracking with clear escalation triggers
• 💼 Settlement and enforcement options evaluated in parallel

Foreign manufacturers selling products in China should maintain quality control records, establish product recall procedures, and ensure product liability insurance coverage meets local regulatory requirements.

Local Practice in Zhangye

Jiayun Feng practices in Zhangye, Zhangye. Local administrative practice in Gansu can affect filing logistics even when national statutes are uniform. Jiayun Feng monitors implementation details relevant to Product Liability Insurance matters and coordinates with notaries, translators, and technical experts when required. File management emphasizes version control for bilingual drafts and hearing calendars. Clients receive periodic status updates with deadlines and decision points requiring business instructions.

Jiayun Feng does not promise case outcomes. The commitment is disciplined process, candid risk assessment, and advocacy within PRC law and professional rules. Fee arrangements and confidentiality boundaries are confirmed before substantive drafting. Clients receive periodic status updates with deadlines and decision points requiring business instructions.