The Study On Underwriting Patter Of Public Reliability Insurance Based On Public Fire Risk Assessment Models

In recent years,the numbers and the sizes of the public places in China shows an increasing trend.However,due to the high density of the people,fire accidents have occurred occasionally,the overall security situation is not optimistic.Hence,the third party public liability insurance comes into being with the increasing security requirements from the public.But its implementation is not optimistic because of the lack of scientific and reasonable determination mechanism on rate.Based on the discussion above,this paper analyzes of the interaction between the public liability insurance base rate and the fire risk assessment.According to the characteristics of public places and historical statistical data,this paper improves the traditional fuzzy comprehensive evaluation method to obtain a public places Based on Fuzzy Entropy liability insurance rates floating model.The model considers the dynamics of fire growth,improved AHP analysis and entropy coefficient to jointly determine the right mix index weight of the system,avoiding the shortcomings of the single subjective and objective weight,and get risks of each stage of the fires.According to the risk grade of the building,a public liability insurance rates floating reference model is built,whereby the cumulative compensation limit and one-to-one-related insurance base rate are obtained using interpolation method.Considering the factors of the structural characteristics of the public buildings,the dynamics of fire spread and reliability of fire products,a casualties expected staff risk assessment model for public places is established based on the event tree,which constructs different fire scenarios using the event tree and the probability of each fire scenario is obtained using statistics method.The number N of the casualties in each fire scenario is obtained by comparing the magnitude of the ASET and RSET.ASET and RSET can be obtained using the empirical formula and FDS simulation.Finally,based on the design of public liability insurance coverage program,comprehensive statistics and current specifications,a reasonable set of public liability insurance deductibles,limits of liability and accumulated liability limit per person is proposed.The set of the compensation limit is closely related to the number and the burned degree of the personnel inside the building.The paper employs the fuzzy comprehensive evaluation method to evaluate the numbers of different burned degree of people in the buildings and set their compensation limits.According to the fire frequency data and compensation limits,the expected cumulative compensation limit of the property can be estimated.Combined with the floating rate model,you can get the property specific reference rate.