Research On The Risk Management Mode Of Public Reliability Insurance

Insurance is an important approach to transfer risks. After decades of development, a conduct model agree with our national conditions was put forward. With the raise of people’s life quality, safety requirements as respect to life and property are enhanced. These requirements can be satisfied through some kind of insurance to a certain degree.The development of Liability Insurance has always been paid more attention by the Chinese Insurance Business, actually which stands for the development level of our Insurance Business. The Liability Insurance all the time takes a low proportion in the Insurance Business, whose slow development has many reasons, one of the majors is the lower risk management level. As an important part of liability insurance ,the research for risk management model of public liability insurance is an important measure to solve the problems of public liability insurance and improve risk management and control capacity of insurance companies.On the basis of researches of the predecessors, we’ll reach the typical accident by analyzing the risk of public place. The object of insurance was classified by the nature of risk ,using RAC risk assessment matrix and the control of risk to evaluate. Through risk assessment, it is determined the indicators (such as the maximum risk of an accident, the maximum possible losses and probable maximum losses, etc).According to the result of pre-investigation, risk management model about construction insurance’s life cycle was established.