| Construction industry is prone to accident frequently. Thousands of builders die of accidentsduring the construction each year, which brings catastrophic influence to many families.Construction engineering accident injury insurance can provide effective economiccompensation for builers. However, the development of construction engineering accidentinjury insurance is not ideal. On one hand, the construction owners’ insurance consciousnessis not strong. On the other hand, the underwriting mode of construction engineering accidentinjury insurance is not perfect enough, especially the premium rate and compensation quota.In this thesis, the mode of construction engineering accident injury insurance was researcheddeeply to make it more scientific and reasonable.Some ideas were put forward in the research process. First, the applicants should providerelevant information to the underwriters so that they can fully understand injury risk existingin the construction process. Second, builders’ injury types were classified according to theaccidents possibly occurring in the construction process, and the table to assess builders’injury risk was established with AHP, then the floating limit of premium rate of constructionengineering accident injury insurance was determined Fuzzy Variable Weighting. Third,reasonable compensation quota was determined with Fuzzy Comprehensive Evaluation. If theapplicants put forward higher compensation quota, the compensation quota factor could beadded to the calculation of premium. In addition, some improving suggestions were given toconstructors according to actual situation.After underwriting the second phase of Tieling Jialong,this underwriting mode ofconstruction engineering accident injury insurance was proved to be feasible in theory. |
PDF Full Text Request