Premium Rate Making Research Project Supervision Professional Liability Insurance Of China

Construction project supervision system in our country has been fully implementing, engineering supervision plays an important role in engineering construction, wins a good social benefits and wide recognition from all sectors of the community. But with the expansion of the domestic construction market and to the rising number of international engineering projects concerning foreign affairs, the current engineering supervision system and supervision engineer in the process of professional constantly face many new problems, which outstanding one is the professional duty is not defined well, professional responsibility and professional risk does not match, career risk is lack of effective avoidance, etc. The successful experience of developed countries shows that construction project supervision professional liability insurance system is the effective way to transfer supervision liability risk, to guarantee the legitimate interests of supervision engineer, the owner units and the third parties.Construction project supervision professional liability insurance system in China since2002on a trial basis has been pushing for more than ten years, has failure to achieve effective progress, it seriously restricted the comprehensive propulsion and perfection of project construction supervision system in China. There are many influence factors, including non-scientificiry insurance rates is an important influencing factors. In this paper, based on the reality of domestic construction industry, draw lessons from foreign mature experience, analysis the deficiency of our country’s present supervision professional liability insurance premium rate, overall analysis the various factors influencing the construction supervision professional liability insurance rates, and discuss further elaboration and differentiation, to set more scientific and perfect professional liability insurance rates; Make professional liability insurance products can meet the engineering practice, make the supervision unit or supervision engineer more interested in, enhance the product competitiveness of the domestic insurance company, so as to promote the implementation of project supervision professional liability insurance system in China and the improvement of the system of engineering supervision.