Fire Insurance Premium Rate Floating Research Of Storage Firms Based On Fire Assessment

With the development of the logistics industry, the increasing numbers of the logistics industries emerge in China. Logistics warehouses, as a logistics industry, which one of the key links play an increasingly important role in enterprises. While the rising of the logistics warehousing,various kinds of risk are recognized by enterprises and insurers, even fire risk of storage is paid an increasing attention by enterprises and insurers. Once breaking out fire in warehousing business, it will must not only suffer serious economic losses, but cause deep influence on the state, society and enterprises. That is why it has been needed in storage companies increasingly. So, the generation and development of the logistics insurance has been produced in the society now. Logistics insurance has the ability to transfer the risk created by the enterprise in order to ensure their normal running operations.Combined to the feature of logistics warehouses, the fire risk assessment methods are improved and used in the logistics warehousing businesses are the contents of this paper. The other objects of this paper include achieving the reasonable quantification of fire risk, the fire risk assessment results are applied to the storage and business fire insurance rates floating in order to consistent the insurance rate with the state of insurance object.Firstly, RAC is used to analyze the risk of fire logistics enterprises and the floating rate model for logistics enterprises property insurance can be established in this paper. Secondly fuzzy variable weighting method is used to assess the size of their fire risk assessment, according to its result, floating rate model for liability insurance can be established, which can make fire insurance rates floating more objective and more scientific, meanwhile, it can also provide a reference basis for insurance companies and logistics companies.