Mutual Release of Property Preservation Guarantee Insurance Among Members: Efficiently Resolving the Dilemma of Frozen Assets

In recent years, economic disputes and legal litigation cases have been increasing annually. Public data from the Supreme People's Court shows that in 2025, the number of nationwide preservation enforcement cases reached 5.837 million. The construction and engineering sector is particularly a hotspot for economic disputes and legal actions. Member enterprises of Huiyou Mutual frequently face situations where their bank accounts, real estate, and projects under construction are sealed and frozen due to economic disputes. This triggers a series of problems such as tight cash flow, project stagnation, and operational shutdowns. How to quickly resolve judicial sealing dilemmas has become an urgent need for the sustained and stable operation of enterprises.

Among various judicial preservation response solutions, the Release of Property Preservation Guarantee Insurance precisely targets the pain points of enterprises. It not only has low costs and simple application procedures but also enjoys high recognition from courts, making it the optimal solution for enterprises to resolve sealing predicaments.

The Release of Property Preservation Guarantee Insurance is commonly abbreviated as "Unsealing Insurance." Due to market and industry conventions, it is also known as an "Unsealing Guarantee Letter." It is typically purchased by the person subject to preservation (the defendant or respondent) as the policyholder to provide guarantee for the release of property preservation. It covers losses incurred by relevant right holders if, after the property preservation is lifted, the court finds no executable property or insufficient property to satisfy the debt during enforcement. It is an efficient, convenient, legal, and compliant method of providing guarantee for unsealing in judicial practice.

Regarding insurance regulation, the "Notice of the China Insurance Regulatory Commission on Regulating Matters Related to External Guarantees by Insurance Institutions" (Bao Jian Fa [2011] No. 5) issued in 2011 stipulates that insurance companies shall not provide external guarantees, except for guarantees in litigation. This provides policy support for related insurance business in litigation scenarios. From the Supreme Court's perspective, Article 22 of the "Provisions of the Supreme People's Court on Several Issues Concerning the Handling of Property Preservation Cases by the People's Courts" (Fa Shi [2016] No. 22) issued in 2016 stipulates that in property dispute cases, if the person subject to preservation or a third party provides sufficient and effective guarantee and requests the lifting of preservation, the people's court shall rule to permit it. Furthermore, Article 8 of the Supreme Court's "Provisions on Several Issues Concerning the Handling of Property Preservation Cases by the People's Courts" clarifies that if financial institutions established with the approval of financial regulatory authorities provide guarantee for property preservation in the form of an independent guarantee letter, the people's court shall permit it according to law.

Thus, it can be seen that insurance companies operating Release of Property Preservation Guarantee Insurance and issuing insurance certificates as required by courts comply with legal provisions and regulatory requirements, constituting an effective and proven practical method.

Huiyou Mutual accurately responded to the needs of its member enterprises and, in March 2024, filed the Release of Property Preservation Guarantee Insurance with regulatory authorities, providing unsealing insurance services to member enterprises. This effectively addresses the pain point of member enterprises being unable to pay high unsealing guarantee deposits, avoids operational shutdowns caused by asset sealing, and frees them from the predicament of long litigation cycles and prolonged inability to use assets. Simultaneously, Huiyou Mutual's Release of Property Preservation Guarantee Insurance features a simple and efficient application process. Policyholders only need to prepare basic documents to complete the process, bidding farewell to the drawbacks of complicated and redundant documentation in traditional guarantee models.

The effectiveness of Huiyou Mutual's "Unsealing Insurance" has gained widespread recognition in judicial practice. As of December 2025, over 3,000 courts nationwide recognize Huiyou Mutual's legal insurance guarantee letters (including litigation liability insurance, continuation of execution, and release of property preservation). It has cumulatively provided legal insurance services to more than 100,000 members nationwide, with a total coverage amount exceeding RMB 200 billion, becoming a significant service force in the field of nationwide judicial preservation guarantee.

Serving the people through justice knows no bounds. As the public's demand for legal insurance continues to grow, Huiyou Mutual will continue to shoulder social responsibility, adhere to the bottom line of compliant operation, leverage technological advantages such as AI review, continuously optimize the "Unsealing Insurance" product and services, and further expand nationwide court recognition coverage. It will contribute more of Huiyou Mutual's strength to building an efficient, convenient, and fair judicial service system and promoting the continuous improvement of the commercial credit system.