How to calculate the project insurance premium? How to calculate the formula of engineering insuranc

There are three ways to calculate insurance premiums: observation, classification, and addition and subtraction. It usually consists of two parts:

Pure insurance premium and additional insurance premium. Additional insurance premiums refer to various operating expenses, commission expenses, projected profits, and security expenses. A surcharge is added to the pure premium, which is paid by the subscriber, and is called the total premium.

Insurance premiums usually consist of two parts: a pure premium and an additional premium. Additional insurance premiums refer to various operating expenses, commission expenses, projected profits, and security expenses. A surcharge is added to the pure premium, which is paid by the subscriber, and is called the total premium.

Insurance Premiums & Insurance Rates:

The former is the total premium payable under an insurance policy, and the latter is the cost of a dangerous unit.

The premium is calculated on the basis of the premium rate.

The relationship between the two: insurance rate insurance amount = insurance premium.

A total rate is calculated for the construction work, the materials provided by the owner, the installation and other designated subcontracted items, the site clean-up fee, the professional fee, the existing property on the site and other property of the insured, which is a one-time rate for the entire construction period, and the product of its multiplication with the total insured amount is the insurance premium to be charged. A lump sum rate for the total duration of the project is calculated against the total insured amount for material damage.

Engineering is an application of science and mathematics through which the properties of matter and energy in nature can be made efficient, reliable and useful to mankind in the shortest possible time and with minimal manpower through various structures, machines, products, systems and processes. The concept of engineering was born, and it gradually developed into a discipline and craft in its own right.

In the eighteenth century, the term "engineering" was coined in Europe, which originally meant the manufacture of weapons and various tasks for military purposes, and later expanded to many fields, such as building houses, manufacturing machines, building bridges and roads, etc.

Civil buildings account for 2 to 4 thousandths of the construction cost, other buildings account for 3 to 6 thousandths of the construction cost, and installation projects account for 3 to 6 thousandths of the construction cost.

The project insurance premium is calculated according to different project categories, respectively, by multiplying the construction and installation engineering cost by the construction and installation engineering insurance rate, as follows:

1. Civil buildings (residential buildings, comprehensive buildings) account for 2/1000 to 4/1000 of the construction project cost;

2. Other buildings (industrial plants, warehouses, roads, wharves, dams, tunnels, bridges, pipelines, etc.) account for 3 to 6 thousandths of the construction cost;

3. Installation projects (agriculture, industry, machinery, electronics, electrical appliances, textiles, mining, petroleum, chemical and steel industries, steel structure bridges) account for 3 to 6 thousandths of the construction project cost.

Further Information: Risk Factors of Engineering Insurance:

1. The nature and total cost of the project;

2. The degree of danger of engineering construction, including construction methods and building heights, etc.;

3. The construction period, including the length and season of the construction period, the length of the commissioning period, the length of the guarantee period and the scope of responsibility;

4. The natural geographical conditions of the construction site and the adjacent areas, whether there are special dangers and the possibility of catastrophes;

5. The credit, technical level and experience of the contractor and other project stakeholders, whether they have engaged in similar projects, the level of construction organization and the ability of on-site safety management, as well as the loss records of previous contracted projects;

6. Past loss records of similar projects, etc.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Legal analysis: civil buildings account for 2 to 4 thousandths of the construction cost, other buildings account for 3 to 6 thousandths of the construction cost, and installation projects account for 3 to 6 thousandths of the construction cost. The project insurance premium is calculated according to different project categories, respectively, by multiplying the construction and installation engineering cost by the construction and installation engineering insurance rate, as follows:

1. Civil buildings (residential buildings, comprehensive buildings) account for 2/1000 to 4/1000 of the construction project cost; 2. Other buildings (industrial plants, warehouses, roads, wharves, dams, tunnels, bridges, pipelines, etc.) account for 3 to 6 thousandths of the construction cost; 3. Installation projects (agriculture, industry, machinery, electronics, electrical appliances, textiles, mining, petroleum, chemical and steel industries, steel structure bridges) account for 3 to 6 thousandths of the construction project cost.

Legal basis: Article 16 of the Construction Law of the People's Republic of China The bidding and bidding activities for the contracting and contracting of construction projects shall follow the principles of openness, fairness and equal competition, and select the best contractors. Where there are no provisions in this Law for the bidding and bidding of construction projects, the provisions of the relevant laws on bidding and bidding shall apply.

Article 788 of the Civil Code: A construction project contract is a contract in which the contractor carries out the construction of the project and the employer pays the price.

Construction contracts include engineering survey, design and construction contracts.

Article 789 of the Civil Code The construction project contract shall be in written form.

Article 790 of the Civil Code The bidding and bidding activities of construction projects shall be carried out openly, fairly and justly in accordance with the provisions of relevant laws.

(1) Fees: refers to the fees that must be paid by ** and the relevant authorities (referred to as fees). Includes:

1.Project Sewage Charge: refers to the project sewage fee paid by the construction site according to the regulations.

2.Project quota determination fee: refers to the fixed amount determination fee paid by the project cost (quota) management department according to the regulations.

3.Social Security Contributions.

1) Endowment insurance premium: refers to the basic endowment insurance premium paid by the enterprise for employees according to the prescribed standards.

2) Unemployment insurance premium: refers to the unemployment insurance premium paid by enterprises for employees in accordance with the standards stipulated by the state.

3) Medical insurance premium: refers to the basic medical insurance premium paid by the enterprise for employees in accordance with the prescribed standards.

4.Housing provident fund: refers to the housing provident fund paid by enterprises for employees according to the prescribed standards.

5.Accident insurance for dangerous work: refers to the accident insurance premium paid by the enterprise for the construction and installation workers engaged in dangerous work in accordance with the provisions of the Construction Law.

Annex I: Formula for calculating the fee rate.

Calculation is based on direct costs.

Fee rate ( ) = ( Fee payment standard Calculation base per 10,000 yuan of contract price) The content of labor cost per 10,000 yuan of contract price Proportion of labor cost to direct cost ( ).

The calculation is based on the total labor cost and machinery cost.

Fee rate ( ) = ( Fee payment standard Calculation base per 10,000 yuan of contract price) 100% of the labor cost and machinery cost content per 10,000 yuan of contract price

Labor costs are used as the basis for calculation.

Fee rate ( ) = ( Fee payment standard Calculation base per 10,000 yuan of contract price) 100% of the labor cost content per 10,000 yuan of contract price

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The project insurance premium is calculated according to the cost of the project insurance according to the need, including the construction project all risks with all kinds of construction hole chain workers and their materials, machinery and equipment in the construction process as the subject of insurance, the installation project all risks with various machines and machinery and equipment in the installation project as the subject of insurance, and the machine damage insurance.

[Legal basis].Article 3 of the Construction Act.

Construction activities shall ensure the quality and safety of construction projects, and comply with national construction safety standards.

Article 48.

Construction enterprises shall pay work-related injury insurance premiums for their employees' participation in work-related injury insurance in accordance with the law. Enterprises are encouraged to apply for accident insurance and pay insurance premiums for employees engaged in dangerous operations.