Calculation of engineering insurance premiums:
1. Separate calculations
(1) Measure a total rate for the construction work, the materials provided by the owner, the installation and other designated subcontracted items, the site clearing costs, the professional fees, the existing property within the site and the insured's other property, which is a one-time rate for the whole period of the construction work, and the product with the total insurance amount is the premium to be charged.
(2) The insurance rate for construction machinery and equipment is an annual rate
(3) The third party liability insurance rate is also a one-time rate for the entire period of work, and it is mainly calculated on the basis of the limit of indemnity for each accident.
(4) The premium rate for guarantee period insurance is also the rate for the period of work and is calculated on the basis of the total insurance amount.
(5) Premiums for additional coverage are calculated according to the category of the additional coverage, i.e., material damage or third party liability, and their required limits of indemnity.
2, package calculation
(1) of the above ①, ③, ④, ⑤ items are measured separately after the insurance premium, and then relative to the total amount of insurance for material losses back to calculate a total one-time rate for the duration of the work. At present, in the engineering insurance, most of this calculation method.
(2) the insurance premium is referred to as the premium, is the policyholder to transfer the risk of obtaining insurance coverage and pay the price, but also the insurer to undertake insurance.
(3) with the agreed insurance liability for the insured to provide risk protection services and remuneration. Pure premium is the main part of the premium, used to establish the insurance compensation and payment fund, is the minimum limit of the insurance premium, based on the prediction of the subject matter of the future insurance loss (expected value and a certain security surcharge) and determine.
(4) The premium increase is used for the insurer's operating and management expenses and expected profits, including employee salaries, operating expenses, management costs, intermediary costs, publicity costs, taxes, profits and so on.
Expanded:
p>I. The way of social insurance premium sharing
The main subjects of premium sharing are the state, enterprises and individuals. The different combinations of these three main bodies give rise to many ways of sharing costs, even if the same country, in different social insurance programs may use different ways of sharing insurance costs, of which the employer-employee contributions, the government has the final responsibility for the most common.
In the employer-employee*** method of sharing the cost of insurance, it can be subdivided into several cases:
1. Equal sharing of rates;
2. Differential sharing of rates;
3. Equal progressivity of rates.
II. Payment of Social Insurance Contributions
Participating units shall pay the full amount of social insurance contributions in monetary terms within three days after the approval of the declaration of contributions by the social insurance administration organization.
The payment methods of social insurance premiums can be broadly divided into three categories:
1. Payment at the bank of one's own account;
2. Payment in the form of a check or in cash at the social insurance agency;
3. Other methods as agreed with the social insurance agency.
Participating units and insured individuals can adopt different ways of payment according to their actual situation.
Third, the characteristics of social insurance
1, security: to protect the basic life of workers after they lose their ability to work, and to maintain social stability;
2, legal: national legislation, mandatory implementation;
3, mutual aid: the implementation of income redistribution;
4, welfare: social insurance does not aim at making profits, it is the least cost, the greatest social security problems. It is social welfare in nature;
5, universality: the implementation of social insurance in a wide range.
Baidu Encyclopedia - Social Insurance Premiums
Baidu Encyclopedia - Social Security Premiums