What are the procedures for handling construction accident insurance?

Accident insurance for construction workers is not legally compulsory. Enterprises (i.e. employers) must have the obligation to purchase work-related injury insurance from the social labor and social security department, and there is no need to purchase accident insurance for construction workers from the insurance company.

According to the provisions of the Construction Law of the People's Republic of China, construction enterprises need to apply for construction personal accident insurance. Each region has formulated corresponding implementation rules, which generally require that when applying for a construction permit, it is necessary to submit an insurance policy for construction personal accident insurance, otherwise the construction permit cannot be processed.

Construction accident insurance is insured on the basis of the project, and the procedures are required to be handled before the safety supervision procedures of the project, and the insurance period is from the date of commencement of the project to the date of acceptance of the completion of the project. The relevant information of insurance must be informed to the insured, and posted on the construction site in the form of an announcement, and the announcement time shall not be less than 30 days.

From the perspective of risk management, the construction unit can consider taking out some commercial insurance according to its own economic situation

1. Purchase "group personal accident insurance" and some additional medical expense reimbursement insurance from the insurance company, the policyholder is the group (i.e., the unit), and the insured is each employee of the unit.

2. Purchase "employer's liability insurance" from the insurance company, the policyholder is the employer, and the insured is also the employer, which covers the liability of the employee in the period of working for the employer and the unforeseen events that must be borne by the employer in law, and this type of insurance can also effectively safeguard the interests of employees.

3. Purchase "construction project installation insurance (all risks)" from the insurance company, the coverage of this type of insurance is also relatively extensive, and it also plays a role in protecting the interests of employees.

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According to the regulations, all risks of construction projects should be handled by the construction project employer.

1. According to the provisions of the Construction Contract (Model Text) of the Construction Project, the employer shall insure all risks for construction projects or all risks for installation projects; If the employer entrusts the contractor to take out insurance, the insurance premiums and other related expenses incurred as a result of the insurance shall be borne by the employer.

2. Accident insurance and work-related injury insurance can be purchased for workers in construction projects.

1. Accident insurance is a life insurance that takes death or disability caused by accidental injury as the condition for paying insurance benefits.

2. Work-related injury insurance refers to a social insurance system in which workers or their surviving family members receive material assistance from the state and society when they suffer accidental injuries or occupational diseases resulting in temporary or permanent loss of working ability and death at work or under specified special circumstances.

3. Purchasing insurance for workers is an important reform of China's production safety, labor and social security systems, and provides a legal basis for our construction. It is not for the purpose of making a profit, and it is mandatory.

Fourth, due to the long construction period of construction projects, various complex situations encountered are often difficult to prevent and prevent.

1. Disasters and major accidents in large and medium-sized projects will bring catastrophic and irreparable economic losses to the contractor.

2. Participating in insurance, you can get compensation or partial economic compensation from the insurance company, so that you can get a certain economic guarantee for engaging in the risk of project contracting.

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First, construction accident injury insurance refers to a type of insurance purchased by all personnel engaged in relevant professional work at construction sites in accordance with the needs and requirements of the state.

Second, the construction accident insurance is a kind of insurance treatment enjoyed by construction site workers when they are injured by accidents.

Third, the construction accident insurance is purchased by the construction party, although there is no compulsory purchase, but generally it is impossible to start construction without purchasing.

Fourth, there is a time limit for the accident insurance of construction projects, which is generally calculated from the beginning of construction to the completion of the construction and the acceptance of the inspection.

Coverage of Construction Accident Insurance:

1. Insured: All enterprises 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 the decoration of buildings can be insured as the insureds for their employees engaged in management and operation at the construction site of the project.

2. Insured: All management and operators aged between the ages of 16 (including 16 years old, the same below) and 65 years old, who have established legal labor relations with the construction unit of the project specified in this insurance contract, and can work normally or work at the construction site, can be the insured of this insurance.