How to calculate the engineering insurance premium?

1. Calculation method of engineering insurance premium: \x0d\ 1) calculated separately. \x0d\ ① Calculate a general rate for construction projects, materials provided by the owner, installation and other designated subcontracted projects, site clearing fees, professional fees, existing properties in the site and other properties of the insured, which is a one-time rate for the whole construction period, and the product of this rate and the total insurance amount is the insurance premium that should be charged. \x0d\ ② The insurance rate of construction machinery and equipment adopts the annual rate \x0d\ ③ The third party liability insurance rate is also a time-limited rate, which is mainly calculated according to the compensation limit of each accident. \x0d\ ④ The insurance premium rate during the guarantee period is also the construction period, which is calculated according to the total insurance amount. \x0d\ ⑤ The increased insurance premium due to additional safeguard shall be calculated respectively according to the category of additional safeguard, i.e. material loss or third party liability, and the required compensation limit. \x0d\ 2) packet calculation. \x0d\ After calculating the insurance premiums in the above items ①, ③, ④ and ⑤ respectively, calculate a one-time total rate for the construction period relative to the total insurance amount for material losses. At present, this calculation method is widely used in engineering insurance. \x0d\ II。 Insurance premium, referred to as premium for short, is the price that the insured should pay to transfer risks and obtain insurance protection, and it is also the reward that the insurer undertakes the insurance responsibilities stipulated in the insurance contract and provides risk protection services for the insured. \x0d\ Pure premium is the main part of premium, which is used to establish insurance compensation and payment fund, and is the minimum premium, which is determined according to the forecast of future insurance loss (expected value and certain safety surcharge) of the subject matter insured. \x0d\ Premiums are used for the insurer's management expenses and expected profits, including employee salaries, business expenses, management expenses, intermediary expenses, publicity expenses, taxes and profits. \x0d\ (1) Factors affecting engineering insurance premium \x0d\ 1) Insurance amount, 2) Insurance period and 3) Insurance rate. \x0d\ (2) Risk factors for determining engineering insurance rate \x0d\ 1) Engineering nature and total cost; \x0d\ 2) Danger degree of engineering construction, including construction method and building height; \x0d\ 3) Construction period, including the length and season of construction period, the length of commissioning period, the length of warranty period and the scope of responsibility; \x0d\ 4) Whether the natural and geographical conditions of the construction site and its adjacent areas have special dangers and the possibility of catastrophe; \x0d\ 5) Credit standing, technical level and experience of the contractor and other interested parties of the project, whether they have engaged in similar projects, construction organization level and site safety management ability, and loss records of previous contracted projects; \x0d\ 6) Loss records of similar projects in the past; \x0d\ 7) The coverage required by the insured, including special risks and their expansion; \x0d\ 8) Maximum possible loss degree; \x0d\ 9) Setting of deductible for each accident; \x0d\ 10) setting of special hazard compensation limit; \x0d\ 1 1) If the insured amount of the project is huge and reinsurance is needed, the market conditions of reinsurance should also be considered.