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Data:2009-12-12 2:34
Although the project areas of insurance are property insurance, but it is compared with the normal property insurance has significant features.
1, works with the special nature of the insurance underwriting risk
Engineering insurance underwriting risks are reflected in the peculiarities: first, engineering insurance may cover the insured property, the risk of loss, while also underwriting the insured person's liability risks. Second, the risk of underwriting the majority of the subject is exposed to risk, for the ability to withstand risks significantly lower than the general subject of property insurance. Third, the project construction works are always in a dynamic process, a variety of risk factors, complexity, so that the degree of risk increased.
Second, the project has a comprehensive insurance protection
Project insurance underwriting risk for the specificity of the protection provided with a comprehensive, engineering insurance, the main areas of responsibility are generally part of the material damage and third-party parts. At the same time, engineering, insurance, risk can also be aimed at the specific circumstances of the project to provide transport process, the off-site storage process, the guarantee period during the middle of the specialized types of risk protection.
3, engineering, insurance, the insured person has a broad
General property insurance, the insured person's situation is more a single, but because of the construction process may be involved in the complexity of the relationship between the parties and more parties, including: property owners, main contractors, subcontractors, equipment suppliers, designers technical consultant, project supervision and so on, they are likely to have insurance benefits for the project to become insured.
4, engineering, insurance, the insurance period of uncertainty
General property insurance coverage is relatively fixed period, usually one year. And the works of the insurance period the insurance is generally determined according to duration, often years or even decades. And general property insurance only difference is that term insurance, engineering insurance, starting and ending point is not to determine a specific date, but according to the provisions of insurance policies and projects identified in the specific circumstances. To this end, engineering insurance rates with the duration, rather than annual rates.
5, engineering, insurance, insurance premium with the variability of
Engineering insurance and general property insurance is another of different characteristics: the amount of property insurance coverage in the insurance period is relatively fixed, but the amount of insurance engineering insurance, the insurance period, with the construction of the longitude growing . Therefore, in the insurance period for any one point in time, the insurance amount is different.
