What are the types of construction insurance?

Traditional engineering insurance includes construction engineering insurance and installation engineering insurance, but with the development of various scientific and technological projects, scientific and technological engineering insurance has also become an important part of engineering insurance.

2.All risks for construction projects and all risks for installation projects include third-party liability insurance from the industry: all walks of life have their own engineering projects, and the more important industries include petrochemical, water conservancy, electric power, new energy, transportation, urban infrastructure, metallurgy, etc.

The types of engineering insurance include: construction engineering insurance, installation engineering insurance, and science and technology engineering insurance. Construction insurance covers all kinds of construction projects, that is, all kinds of civil, industrial and public utilities construction projects, such as houses, roads, bridges, ports, airports, dams, roads, entertainment venues, pipelines and various municipal engineering projects, etc., can be insured for construction engineering insurance.

Engineering insurance is divided into compulsory insurance and voluntary insurance. The so-called compulsory insurance is the type of insurance that the parties to the project must insure in accordance with the provisions of the law, but the policyholder can choose the insurance company independently. Voluntary insurance is an insurance that you voluntarily participate in according to your own needs, and the scope of claims or benefits and insurance conditions are determined by the policyholder and the insurance company according to the insurance contract signed.

1. Traditional engineering insurance includes construction engineering insurance and installation engineering insurance, but with the development of various scientific and technological projects, scientific and technological engineering insurance has also become an important part of engineering insurance.

2. All risks of construction projects and all risks of installation projects include third-party liability insurance.

From the industry: all walks of life have their own engineering projects, the more important industries include petrochemical, water conservancy, electric power, new energy, transportation, urban infrastructure, metallurgy, etc.

1. Insurance rates for construction projects.

Construction insurance is an insurance that underwrites the material loss and listed cost loss of the insured project due to the risks within the scope of insurance liability during the entire construction period. The basis for determining the insurance rate of construction projects: (1) the size of the insurance liability scope, which is directly proportional to the insurance rate.

2) The degree of danger of the project itself. (3) The credit, management level and experience conditions of the contractor and other project related parties. (4) The insurer's previous record of underwriting losses of similar projects.

5) The level of the deductible of the project and the compensation limit of the third party liability and special hazards. The deductible is inversely proportional to the rate, while the third party liability and special peril limits are directly proportional to the rate. In practice, due to the different contracting methods of construction projects, the policyholders are also different.

There are four main situations: 1. Full contracting. 2 Partial contracting.

3. Segmented contracting. 4. The contractor only provides services. Since there is sometimes more than one insured in construction insurance, and each insured has its own rights and responsibilities that need to be insured by the insurer, in order to avoid the recovery liability between the relevant parties, most construction insurance policies have a cross-liability clause.

2. Calculation method of premium for construction insurance.

The calculation of the premium for construction insurance is very simple: total premium (amount insured for material damage, insurance rate for material damage) (cumulative limit for third party liability, insurance rate for third party liability). The composition of the insurance rate of construction projects, (1) the materials and items provided by the owner of the construction project, the installation project, the site cleaning fee, the existing buildings in the construction site, and other property of the owner or contractor on the construction site, etc., are a total rate of the front file, and the one-time rate is implemented for the entire construction period.

2) Construction machinery, plant and equipment are subject to a separate annual rate, and if the insurance period is less than one year, the premium will be charged at the short-term rate. (3) The rate of the guarantee period shall be a one-time rate for the entire guarantee period. (4) Third-party liability insurance, a one-time rate for the entire construction period.

To refine it further, it is to multiply the various sub-items of the material loss insurance amount, such as construction machinery, storage materials, etc., by the corresponding rates and then sum them to get the material loss insurance premium. In practice, two rates are generally set, and even the third party and material loss insurance rates are the same, and the total insurance amount can be multiplied by the insurance premium.

The insurances commonly used in the construction industry are as follows:

Comprehensive insurance for machine damage in Ping An Insurance. Ping An Insurance's machine damage key rock boy bad insurance. Additional Loss of Profit Insurance Clause in Ping An Insurance.

Ping An Insurance includes all risks for construction projects and third party liability insurance. All risks and third party liability insurance for installation projects in Ping An Insurance. All risks clause for installation works in Ping An Insurance.

The construction and installation project all risk clause in PICC property insurance. The installation project all risk clause in PICC property insurance. The construction project all risk clause in Yongcheng P&C Insurance.

Draft: Machinery damage insurance clause in Wang Yongcheng property insurance. Construction all risks in Yongcheng Property Insurance. All insurance for construction works in Yongan Property & Casualty Insurance.

Huatai Property Insurance in the construction project all risk Zaohe.

1. Accident insurance.

On a construction site, the accident is the biggest risk. For employees, it may be a minor injury if it is mild, and it can be life-threatening if it is serious.

2. All risks for construction projects.

If there is an accident on or near the construction site, whether it is damage to the goods or personal **, it stands to reason that the person in charge of the project should compensate for the loss, but if the construction project all risks are insured, the insurance company will be responsible for this part of the economic compensation.

3. All risks for installation projects.

During the construction of the project, many fixed facilities need to be installed, such as water, electricity and gas, etc., and the loss caused by the construction of the shed in the process of installing these facilities can also be reimbursed by the insurance company.

4. Professional liability insurance.

Construction projects need the guidance of the person in charge or technicians, and people will inevitably make mistakes, and in the construction industry, the losses caused by mistakes are generally not small, and the industrial liability insurance can compensate for the losses caused by the negligence of technical personnel.

1. The amount of insurance for all risks of construction projects.

The amount of insurance stated in the schedule of the insurance policy shall not be less than: construction works - the total value of the insured works at the time of completion of the construction, including the cost of raw materials, equipment, construction, installation, transportation and insurance, customs duties, other taxes and fees, and the cost of materials and equipment coincidentally provided by the owner of the project; Construction machinery, plant and mechanical equipment - the cost of replacing new machinery, plant and mechanical equipment of the same model and load; Other insurance items - the amount agreed between the insured and the company.

2. Information that may need to be collected for the settlement of all risks insurance claims for construction projects.

Including insurance contracts, claim lists, written descriptions of accidents and rescue processes, meteorological certificates, engineering contracts, balance sheets, fixed assets lists, bills of quantities, engineering design drawings, construction organization design, construction logs, work orders, material picking lists, building materials warehousing lists, building materials purchase invoices or purchase contracts, equipment maintenance orders or invoices, etc. In view of the fact that the settlement of claims should be fair, impartial and open, the number of targets and the description of the losses should be signed and confirmed by the representatives of the insurer, the adjuster and the insured who participated in the on-site investigation.

Summary. Hello, I am happy to answer for you, there are 4 types of building insurance1Building Accident Damage Insurance2Construction All Risks 3Building Liability Insurance4Construction property damage insurance.

Hello, I am glad to answer for you, before talking about the construction insurance has the following 4 types of 1Building Accident Damage Insurance2Construction All Risks 3Building Liability Insurance4Jianfeng Dazhu property damage insurance.

Data early development: insurance is a Chinese word, pinyin is bǎo xiǎn, English is insurance or insuraunce, the original meaning is safe and reliable protection; Later, it was extended into a kind of security mechanism, and Lu Hao Brother is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.