Risk Assessment And Suggestion Of Construction Accident Insurance Business

Since China's reform and opening up,the strength of China's construction industry has increased significantly,which has made obvious contributions to China's economic development and the improvement of people's lives.However,the complexity of the corresponding construction project is constantly increasing.Due to the characteristics of the construction project itself,there are a lot of uncertain factors in the construction process,which may cause various accidents in the construction process.Therefore,in order to improve the quality of construction projects,ensure the safety of construction personnel and reduce the construction risk,it is urgent to transfer the accident risk of enterprises and enhance the ability of prevention and control of accidents.Therefore,in the property insurance industry,"construction accident insurance" comes into being at the right time.For property insurance companies,there are many problems and defects in the risk identification ability and process management service of construction accident insurance.How to improve the risk identification ability of construction engineering and provide scientific and effective risk management service,so as to protect the legitimate rights and interests of the employees in the construction industry,improve the anti risk ability of the construction industry,and promote the healthy development of the construction accident insurance market are the urgent problems to be solved in the modern property insurance industry.On the basis of fully reading the relevant literature,this paper studies the development status and risk management of construction accident insurance at home and abroad.Combined with the research ideas of this paper,it mainly combs the existing literature from the following aspects:(1)Research on the necessity of construction accident insurance;(2)Research on construction methods and influencing factors of geological conditions;(3)Research on construction safety management measures;(4)Empirical research on three major accident investigation reports.Standing at the height of the development strategy of the insurance company,starting from the characteristics of the Italian insurance of the construction engineering group,this paper enumerates and analyzes the ZH property insurance compensation data,focusing on the two dimensions of the key project categories and risk factors,and analyzes in detail the risk factors that cause the accident from the aspects of geological conditions,construction methods,management capabilities,underwriting methods and conditions,so as to master how to identify the risks of engineering projects,make insurance companies have the ability to accurately judge the risks of construction projects in the face of complex insurance,and provide professional risk management services for construction enterprises.Through the analysis of three typical cases of ZH property insurance-"9.15" accident case of Miyalo No.3 tunnel of Wenma expressway,water gushing accident case of Foshan Metro Line 2,and illegal subcontracting case of Qingdao Metro Line 1 power project,based on the geological conditions,construction methods and main risk factors of construction unit management,the corresponding enlightenment is obtained.Thus,it reflects the main problems existing in the current insurance underwriting conditions of construction accident insurance,such as unreasonable conditions,the ability of risk identification to be improved,the weak awareness of process management service,and the low quality of construction workers.Finally,some suggestions are put forward for the above problems.First,to strengthen all-round analysis of engineering projects and strengthen underwriting risk management,we must establish a standardized underwriting management system.Underwriting management system includes underwriting policy,underwriting principles,underwriting standards and other aspects.The establishment of underwriting management policy must take into account all links and factors affecting the risk situation of the subject matter,so as to make it adapt to the underwriting capacity and reinsurance capacity of the company.All business departments shall negotiate and formulate underwriting management standards to improve the level of underwriting management and institutionalization,scientization and standardization of underwriting management.Second,improve the risk identification ability of different projects.Before underwriting construction projects,insurance companies should formulate a series of risk management measures on the basis of risk identification and analysis,risk control,etc.,to eliminate risks from the root and prevent construction safety accidents.To give full play to the role of professional risk management and control departments is undoubtedly to add a line of defense in social risk management and control.Main measures:scientific risk assessment and precise rectification;strengthening process management and improving management level;cultivating and developing engineering risk management intermediary consulting institutions.Third,provide construction safety risk management services.The insurance company shall establish a construction process control system,provide safety risk management services,strengthen the attention to all details in the construction process,find construction risks in the shortest time,and take corresponding measures.In the traditional insurance management service work,there is no independent risk management department to do the process management service work.At present,the insurance company should innovate the management system and organizational structure,establish an independent risk management department,and monitor the risk situation of each link of the construction,so as to improve the anti risk ability of the enterprise.Fourth,establish and implement the safety production management system.As a safety production enterprise,we must have a good understanding,a good organization and a good fund,and truly care for life based on people.The core of safety production is the construction enterprise.The enterprise should work hard to implement the safety responsibility system and establish the emergency plan team;the cost of safety protection and civilized construction measures should be in place,and the safety protection should be in place;the safety technology disclosure should be done well;the safety education and training should be strengthened,and the risk awareness of employees should be strengthened.