BeijingApril 28, 2026 /PRNewswire/ — In recent years, economic disputes and legal lawsuits have been rising year by year. According to public data from the Supreme People’s Court, the number of preservation enforcement cases nationwide reached 5.837 million in 2025, with the construction and engineering sector being a major hotspot for economic disputes and legal proceedings. Member enterprises of Huiyou Mutual have frequently faced the freezing or seizure of bank accounts, real estate, and ongoing construction projects due to economic disputes, triggering a series of issues such as tight capital chains, project halts, and operational shutdowns. How to quickly resolve judicial seizure predicaments has become an urgent need for enterprises to maintain stable and continuous operations.
Among various judicial preservation response solutions, the guarantee insurance for lifting property preservation precisely targets the pain points of enterprises. It not only offers low costs and simple insurance procedures but also enjoys high recognition from courts, making it the optimal solution for enterprises to resolve seizure difficulties.
The guarantee insurance for lifting property preservation is commonly referred to as “unsealing insurance.” Due to market and industry practices, it is also known as an “unsealing guarantee letter.” Typically, the preserved party (the defendant or respondent) acts as the policyholder to purchase this insurance, providing a guarantee for lifting property preservation. It ensures compensation for losses incurred by relevant rights holders if, after the preservation is lifted, the court finds no executable property during enforcement or if the property is insufficient to cover the debt. This represents an efficient, convenient, legal, and compliant method of guarantee in judicial practice.
In terms of insurance regulation, the “Notice of the China Insurance Regulatory Commission on Regulating Insurance Institutions’ External Guarantees” (No. 5 [2011] of the CIRC) issued in 2011 stipulates that insurance companies shall not provide external guarantees, excluding guarantees in litigation, thereby offering policy support for related insurance businesses in litigation scenarios. Regarding the Supreme People’s Court, Article 22 of the “Provisions of the Supreme People’s Court on Several Issues Concerning the Handling of Property Preservation Cases by People’s Courts” (Judicial Interpretation No. 22 [2016]) issued in 2016 states that in property dispute cases, if the preserved party or a third party provides sufficient and effective guarantees to request the lifting of preservation, the people’s court shall rule to permit it. Additionally, Article 8 of the same provisions clarifies that if a financial institution approved by financial regulatory authorities provides a guarantee for property preservation in the form of an independent guarantee letter, the people’s court shall legally permit it.
Thus, it is evident that insurance companies operating guarantee insurance for lifting property preservation and issuing insurance certificates as required by courts comply with legal provisions and regulatory requirements, representing an effective practical approach.
Responding precisely to the needs of its member enterprises, Huiyou Mutual filed the guarantee insurance for lifting property preservation with regulatory authorities in March 2024, offering unsealing insurance services to member enterprises. This effectively addresses the pain point of member enterprises being unable to pay high unsealing deposits, prevents operational shutdowns due to asset seizures, and alleviates the dilemma of long litigation cycles and prolonged inability to use assets. Moreover, Huiyou Mutual’s guarantee insurance for lifting property preservation features a simple and efficient insurance process. Policyholders only need to prepare basic documents to proceed, eliminating the cumbersome and redundant documentation typical of traditional guarantee models.
The effectiveness of Huiyou Mutual’s “unsealing insurance” has been widely recognized in judicial practice. As of December 2025, over 3,000 courts nationwide have accepted Huiyou Mutual’s legal insurance guarantee letters (including litigation preservation insurance, continued execution insurance, and lifting property preservation insurance). The company has provided legal insurance services to more than 100,000 members nationwide, with a total coverage amount exceeding 200 billion yuan, establishing itself as a key service provider in the national judicial preservation guarantee sector.
Judicial service for the people has no limits. As public demand for legal insurance continues to grow, Huiyou Mutual will continue to shoulder social responsibilities, adhere to the bottom line of compliant operations, leverage technological advantages such as AI review, and continuously optimize its “unsealing insurance” products and services. It aims to further expand the coverage of recognition by courts nationwide, contributing more of Huiyou Mutual’s strength to building an efficient, people-friendly, and fair judicial service system and promoting the continuous improvement of the commercial credit system.