Analysis Of Personnel Injury Risk In Steel Enterprises And Study On The Employer's Liability Insurance

Steel enterprises are featured in numerous hazardous materials and complicated production techniques,thus their staff often faces high potential risks.Usually the conventional safety evaluation means just analyze factory areas from an overall perspective,ignoring the risk differences among various workshops and types of work in production.Besides,the insurance companies simply adjust their premium rate when accepting the employer's liability insurance.As a consequence,the final risk assessment and the premium rate doesn't accurately conform to physical truth of the factory.In this paper,the method of unit division is used to analyze the risk existing in every small unit respectively.Besides,the paper also combines premium rate with risk assessment so as to achieve a more rational result and a more proper premium rate plan for enterprises.First,the paper concretely introduces production process of steel enterprises.Then it analyzes the risk factors of rolling mills in an all-round way,identifying that risks mainly originate from six aspects such as materials,equipment & facilities,production techniques,factory buildings,safety facilities and environment.In assessing the risk factors,the method of safety checklist is used to inspect the basic projects in the factory areas,then LEC method is adopted to analyze risks in every workshop,and in the meanwhile,fire explosion model and DOW method as well as other methods are employed to evaluate the influence of major accidents for each workshop.In addition,specific to the safety management risks of enterprises,the paper uses analytic hierarchy process method to evaluate corresponding conditions.In the end,the paper optimizes the design of premium rate for the employer's liability insurance.