1, construction unit (or owner), investor (or person in charge), contractor (or subcontractor) (for the general contractor of the project, it is necessary to know the history of the company, the experience of similar projects, the credit standing of the contractor and its project stakeholders, etc. );
This item mainly understands the situation of the insured. Engineering insurance can be provided by multiple * * * co-insurers, and the above items can be used as * * * co-insurers or individual insured. As the most important insured, the contractor needs to know his previous experience of similar projects, so as to judge the risk degree of contracted projects; The credit status of contractors and their project stakeholders will directly affect the availability of project funds, and then affect the progress of the project, so it is necessary to understand it.
2. Name and address of the construction project:
Through the description of the construction site, the owner understands the contents of the project and has a general judgment on the natural and human conditions in this area. For example, there are great differences between cities and rural areas, between plains and mountainous areas, and between south and north of China.
3, the degree of danger of the project itself, the nature of the project and the height of the building;
This project mainly helps the insurer to judge the difficulty and risk of engineering technology, such as ordinary residential buildings and high-rise buildings, bridges and ordinary roads, reservoir excavation and dam construction, through the description of the nature of the project and the height of the building by the insured.
4, the natural geographical conditions of the construction site and adjacent areas, the surrounding environment, whether there is any special danger;
This item mainly estimates the possibility of possible natural disasters or other accidents and preventive measures through the description of the natural conditions of the project by the insured, such as whether it belongs to the flood discharge area, whether there are reservoirs and rivers nearby, whether there are earthquake cracks and whether it is prone to heavy rain.
5. Whether there are ready-made buildings or other properties on the site and their location and condition;
The main purpose of this project is to know whether there are other existing buildings within the construction scope. If it is owned or cared for by the insured, remind him to insure with the project; If it is not owned by the insured, remind him to apply for third party liability insurance and estimate the possible losses of the first liability insurance. Note that if the risks of vibration, movement and weakening of support (such as rammer, deep excavation of foundation, etc.) are involved. ), the existing situation should be investigated in detail.
6, the size of the third party liability risk;
The insurer may put forward its own insurance suggestions (i.e. underwriting conditions such as compensation limit, rate, deductible, etc.) and matters that the insured should pay attention to according to the requirements of the insured for the third party liability risk and the surrounding situation or the degree of possible danger; For example, projects located in downtown areas of cities are usually more prone to risks than projects in open areas far away from urban areas.
7. The status, location, transportation distance and mode of the warehouse where the materials are stored;
The main purpose of this project is to know whether any materials are stored in the construction scope or outside the construction site. If so, remind them to add insurance and list the storage location; According to the location and mode of material storage, judge the possible loss degree.
8, the possibility of catastrophe, the maximum possible loss degree and site management and safety situation;
Judge the possibility of catastrophe and the maximum possible degree of loss, understand the management and safety status of the site, and judge its ability to deal with natural disasters and accidents, especially catastrophe.
9, construction season, time limit for a project, the length of the test period, test method, the length of the guarantee period and the size of the responsibility;
This project mainly judges the construction quality of its project by understanding the construction season; Secondly, according to the natural conditions in this area, judge the impact on the construction, and understand the nature of the project and the length of the trial operation period. If the debugging period of a project is longer than that of an ordinary project, or it includes hot debugging, the risk will increase, so it can be used as a basis for increasing the cost. Understand the relevant provisions of the project warranty period in the project contract, and decide which warranty period to choose according to the requirements of the insured.
10, installation items and mechanical equipment;
If the construction project includes the installation project, and the installation project accounts for a small proportion in the total project (generally not higher than 20% of the total project cost), the installation project can be insured in the construction project, otherwise, the installation project should be insured against all risks. This paper is designed for the above situation, mainly to understand the relevant situation of the equipment in the installation project, such as the technical strength of the supplier, the previous installation and use of the design, etc. And judge the risk degree of the installation project accordingly.
1 1, loss records of similar projects in the past; According to the loss and reasons of similar projects in the past, judge the possible loss degree of this project and the places that should be paid attention to.
12, deductible level and special risk compensation limit;
This project mainly puts forward the compensation limit of special risks that the company can compensate according to the insurer's specific requirements for insurance and the risks of the project; Remind the insured to do a good job in safety protection to avoid and reduce losses through the deductible assumed by the insured and his own level of responsibility under special risks.
13, dangerous unit division and maximum possible loss (know what catastrophe risks have occurred in the history of the project location, find out the project location that is most vulnerable to such risks, and estimate the maximum possible loss value according to its disaster resistance that may affect the whole project and the project itself);
The division of dangerous units is the main content of risk assessment. According to the scope of natural disasters and accidents, that is, the maximum loss that may be caused by various risks, the subject matter insured should be divided into different dangerous units.
14. Provide engineering contract, insurance amount list, engineering design, engineering progress, engineering geological report, site sketch, and dangerous unit division map;
The project contract specifies the project cost, construction period and insurance responsibilities of all stakeholders, which has a direct impact on the insured and the insurer to arrange risks, so we should understand the relevant contents in the contract; The detailed list of insurance coverage is helpful to determine the total insurance coverage and sub-insurance coverage when underwriting, reminding the insured to insure in full; It is helpful to determine the amount of damage when making claims; Engineering design book, engineering schedule, engineering geological report and site sketch are helpful for the insurer to understand the engineering progress and topography related to insurance. The dangerous unit division map can intuitively understand the distribution of dangerous units; It is helpful to correctly divide dangerous units, estimate the size of losses, calculate mpl and arrange reinsurance.
15, overall risk assessment of the project.
On the basis of the above risk analysis, the risk of the project is finally discussed in general, and it is decided whether to underwrite, and what form, terms, approval documents, rates and other conditions to underwrite, and some suggestions are put forward to avoid and reduce losses in the construction process.
Through the above survey data, the following underwriting contents are defined:
The specific amount and total amount of each construction project;
Deductible for material losses and limit for compensation for special risks;
Whether to insure the installation project and its name, value and trial operation period;
Whether to insure the construction machinery and equipment, its type, service time and replacement value, etc. ;
Whether to insure site clearing fees, ready-made buildings and their insurance coverage;
Whether to insure the third party liability insurance and its compensation limit and deductible;
Whether to add guarantee insurance, duration and scope of responsibility;
Do you need some special additional guarantees and conditions, rates, etc?
According to the overall risk assessment, the next step can be to design an insurance scheme, determine the underwriting conditions, including the necessary additional terms, and determine the rate accordingly.