This report combs the relationship between insurance mechanism and urban public safety risk management，summarizes the practice of insurance mechanism participating in urban public safety risk management from the perspective of social safety，accident disaster，natural disaster and public health insurance products，reflects the current situation of China’s urban public safety insurance development with Shenzhen，Ningbo，Taizhou，and summarizes three problems：inadequate understanding of safety insurance，inadequate insurance mechanism in risk prevention and loss control in advance，and incomplete guarantee of urban public safety insurance products. Three policy suggestions are put forward：participating in the overall planning of urban public safety，strengthening risk prevention in advance and loss control in event，and developing targeted insurance guarantee products.