Question 2: What does all risks in construction mean? Construction All Risks refers to the material damage or loss (hereinafter referred to as "loss") caused by any natural disaster or accident other than the exclusion of this insurance policy within the insurance period, and the insurance company shall be responsible for compensation according to the provisions of the insurance policy.
I recommend Huize.com. At present, Huize.com provides accident insurance products from as many as 15 insurance companies. You can compare products and choose the insurance that suits you. In addition, due to different ages and occupations, you can also call 4006788 18, and we will recommend appropriate insurance for you. Here are some comprehensive insurances for your reference:
Huatai Jinling Life Insurance Comprehensive Accident Insurance
Covering high accidental injuries, accidental medical care and traffic protection, it is suitable for business travelers who travel frequently.
1, 500,000 for general accident insurance and 50,000 for accidental medical insurance;
2. Aviation accident insurance premium is as high as 2 million yuan, and train, ship and car insurance premium is 500,000 yuan;
"Taiping Fushou" accident insurance
Taiping Life Insurance is a comprehensive accidental injury insurance with balanced protection, which is very suitable for purchase as a supplement to social security.
1, ordinary accident insurance 1 10,000 yuan, accident medical insurance 20,000 yuan;
2. Aircraft accident insurance premium is 500,000 yuan, train and ship insurance premium is 200,000 yuan, and bus insurance premium is 6.5438+0.5 million yuan;
Question 3: What are the characteristics of construction engineering insurance? The characteristics of construction engineering insurance are: 1, the particularity of underwriting risk. Most of the insurance objects of construction engineering insurance are risky. At the same time, the project under construction is always in a dynamic process, and various risk factors are complicated and the risk degree is increased. 2. The comprehensiveness of risk protection. Construction engineering insurance not only covers the insured's property loss risk, but also covers the insured's liability risk. It can also provide various risks during transportation, off-site storage and warranty period according to the specific conditions of engineering risks. 3. Universality of the insured. Including owners, contractors, subcontractors, technical consultants, equipment suppliers and other interested parties. 4, the particularity of the rate. Construction engineering insurance adopts the time limit for a project rate, not the annual rate.
Question 4: What does all risks in construction mean? What are the requirements for purchasing all risks of construction projects? All Risks of Construction Project is the insurance to protect all losses caused by natural disasters or accidents in the construction process of various civil, industrial and public utilities construction projects, including roads, dams, bridges and ports. The insured for all risks of construction projects include: the owner, general contractor, subcontractor, supervision engineer employed by the owner, and units or individuals closely related to the project, such as loan banks or investors. Besides buying insurance for things, don't forget to guard against personal risks. Here I recommend some personal accident insurance for your reference:
Life "Family Happiness" Comprehensive Accident Insurance
The general public, company sales personnel, business personnel, working people, etc.
1, ordinary accident (death, disability, burns) insurance 654.38+ten thousand yuan;
2. The accidental medical insurance premium is 654.38 million yuan, and the accidental hospitalization nursing allowance is 50 yuan/day.
"worry-free every year" comprehensive accident insurance (diamond plan)
Covers multiple protections such as accidental injuries and burns, not to mention providing high hospitalization allowances.
1. Ordinary accident insurance premium is 200,000 yuan, and accident medical insurance premium is 50,000 yuan;
2. The accidental burn insurance premium is 200,000 yuan;
3. Hospitalization allowance insurance premium 100 yuan/day;
Question 5: What construction insurance should I prepare? Construction insurance is mainly accident insurance for the construction team. The main insurance requirements are:
1. Generally, the number of insured persons shall not be less than 5-6. For jobs with higher risk categories, the number of insured persons shall not be less than 20;
2, the insurance period is generally not more than one year, if you need long-term insurance, you can renew it every year;
3. According to the regulations of the China Insurance Regulatory Commission, at present, most group insurance requires real-name registration (except for construction accidents and very short-term exhibition projects).
The documents and materials required for handling this insurance include:
(1) Letter of Acceptance;
(2) An effective folder composed of project management department;
(three) the qualification certificate of the project manager;
(4) A roster of employees in the construction industry.
The construction enterprise carries the above information to collect and fill in the insurance policy and go through the payment procedures. In addition, you can also apply for insurance on the corresponding insurance company online platform or third-party insurance online platform.
Question 6: What is the third party liability of construction insurance?
The loss of the property under the care of the staff employed by the engineering contractor belongs to the exemption of the third party's liability, and option ABC belongs to the insurance liability item of the third party's liability, not the exemption of liability. ?
Question 7: What is the main body of construction insurance premium? Composition of the first insurance contract.
This insurance contract (hereinafter referred to as "this contract") consists of insurance policies and other insurance certificates, attached clauses, application forms, insurance documents related to this contract, legal and effective statements, opinions, attached approval forms and other written documents.
Article 2 Insurance coverage
1. Insured: Any enterprise engaged in the construction of civil engineering, water conservancy, roads, bridges and other construction projects, the installation of lines and pipelines, the demolition of structures and buildings, and architectural decoration can take out this insurance.
Two. Insured: The insured in this insurance is divided into the main insurance insured and the additional insurance insured. The main insured refers to the person who is between 16 and 65 years old (inclusive), can work or work normally, has an employment relationship with the applicant, and is engaged in management and construction at the applicant's construction site. The collateral insured refers to the persons 16 to 65 years old (inclusive) who, with the prior permission of the insured, go to the construction site for inspection, supervision and inspection, and handle supervision and engineering design affairs, but does not include those who are not directly related to the project construction.
Article 3 Insurance liability
The insurance liability of this contract is divided into two categories: basic insurance and comprehensive insurance. The insured and the insurer shall determine the types of insurance liabilities through consultation. The insurer shall bear the corresponding insurance payment responsibilities according to the types of insurance liabilities agreed in this contract.
I. Basic guarantee
(1) During the insurance period of this contract, if the insured suffers accidental injury during the work on the construction site, the insurer shall bear the following insurance compensation responsibilities according to this contract:
1. If the insured dies within 180 days from the date of the accidental injury accident, the insurer shall pay the death insurance money according to the insured's accidental injury insurance amount specified in the insurance policy.
2. If the insured causes one of the disabilities listed in the Table of Life Insurance Disability Degree and Insurance Payment Proportion attached to this contract within 180 days from the date of accidental injury, the insurer shall pay the disability insurance money according to the insured's accidental injury insurance amount and the corresponding disability payment proportion specified in the insurance policy. If the treatment is not completed after 180 days from the date of the accidental injury accident, the disability appraisal shall be carried out according to the physical condition of the 180th day, and the disability insurance money shall be paid accordingly.
When the insured causes multiple physical disabilities due to the same accidental injury, the insurer shall pay the sum of the corresponding disability insurance benefits. However, when different disability items belong to the same hand or foot, the insurer only pays one of them. If the proportion of different disability items belonging to the same hand or foot is different, the insurer only pays a higher proportion of disability insurance money.
If the disability caused by this accidental injury is combined with the previous disability, you can receive a higher proportion of disability insurance money, and then pay it in a higher proportion, but you should deduct the disability insurance money paid before the insurance (the degree of disability caused by liability exemption in personal insurance and the disability listed in the table of insurance payment ratio).
(2) During the insurance period, if the insured listed in this contract suffers accidental injuries while going out on business, the insurer shall also be responsible for paying the insurance money according to the agreement in Item (1) of this paragraph.
(3) During the insurance period, if the insured listed in this contract suffers accidental injuries due to motor vehicle traffic accidents on the way to and from work, the insurer shall also bear the responsibility of paying insurance benefits in accordance with the agreement in Item (1) of this paragraph.
(4) The insurer's liability to pay insurance money to each insured is limited to the insured's accidental injury insurance amount specified in the insurance policy. When the one-time or cumulative payment of insurance money reaches the accidental injury insurance amount, the insurance liability to the insured is terminated.
Second, comprehensive security.
(1) During the insurance period of this contract, if the insured has an insurance accident while working on the construction site, the insurer shall bear the following insurance compensation responsibilities according to this contract:
1. If the insured suffers accidental injury, and the accident is the direct cause of his death within 180 days from the date of the accident, or the main insured suddenly falls ill and dies within 48 hours from the date of onset, the insurer shall pay the death insurance money according to the insured's accidental injury insurance amount specified in the insurance policy.
2. If the insured suffers from accidental injury, and one of the disabilities listed in the Table of Disability Degree and Insurance Payment Ratio of Personal Insurance attached to this contract is caused by accidental injury within 180 days from the date of the accidental injury, the insurer shall pay the disability insurance money according to the insured's accidental injury insurance amount and the corresponding disability payment ratio specified in the insurance policy. If the treatment is not finished on the180th day after the accident, please press ... >>.
Question 8: The difference between construction insurance and safety insurance. According to different categories, the contents of construction insurance and safety insurance are also different. 1. Different projects are insured. Although construction insurance and safety insurance are both engineering projects, the specific engineering projects insured are different. Construction insurance mainly covers civil construction projects, and safety insurance specifically covers machinery and equipment or steel structure buildings of newly built, expanded and rebuilt engineering enterprises. There is a big difference between them.
2. The scope of responsibility is different. There are also differences between construction insurance and safety insurance in terms of exclusions. For example, in safety insurance, "the loss of electrical equipment or appliances itself caused by electrical reasons such as overload, overvoltage, wire contact, arc, leakage, short circuit and atmospheric discharge" belongs to the exclusion liability; This construction insurance is an insurance liability. Similarly, in the third-party liability part of the construction insurance, "any loss of property, land and buildings caused by the vibration, movement or weakening of the support and any personal injury and material loss caused thereby" belongs to the exclusion liability; The third party liability of safety insurance belongs to the scope of insurance liability.
3. The value of the subject matter insured is different. The value of the subject matter insured in engineering insurance is gradually increasing, and the risk liability is also increasing, which shows that the concentration of danger is getting higher and higher. The value of the subject matter insured in safety insurance is basically fixed during the whole insurance period, and the degree of danger has not changed much.
4. The risks faced by the subject matter of insurance are different. Most of the objects of construction insurance are open-air, which is easily affected by natural disasters. The subject matter of safety insurance is mostly placed in buildings, and the risk of natural disasters is small. However, due to the technical nature of machinery and equipment, the subject matter insured is more vulnerable to losses caused by man-made accidents.
The address of this article is: imibao/thread-8792-1-1.
Question 9: What does the third party liability insurance for construction projects mean? How to collect insurance refers to the compensation for property losses or personal injuries caused by construction reasons by third parties other than project legal persons and contractors. The insured of third-party liability insurance should also be the project legal person and contractor. This kind of insurance is generally all risks of construction (installation). The insurance period is from the effective date to the end of the project warranty period.
The compensation limit of third party liability insurance is agreed by both parties, and the rate is about "2.5 ‰ ~ 3.5 ‰".
Question 10: How to compensate the engineering insurance according to the quantity and standard agreed by both parties depends on the insurance contract.