Selection Of Risk-based Management Thinking Of Construction Engineering Insurance Coverage

For the construction industry, accidents are the main factors affecting its continued development, a lot of times, companies need to take various measures to avoid accidents. Affected by many factors, construction is under a lot of security risks, the main building security risks include: organizational risk, economic risk and management, engineering, environmental risk, technical risk. Combined with the relationship between risk and amount of risk, a lot of frequency of occurrence of the risk is not high, but the damage is really great. In building risk aversion, under normal circumstances, it would take the risk avoidance, risk mitigation, risk retention, risk transfer and other measures to control. And those risks are very difficult to control, you need to risk transfer insurance companies.Construction engineering insurance is the focus of the paper, the paper features in accordance with the project risk factors and risk assessment of the purpose of the project risk category put forward from the insurer's point of view, more suitable for insurance risk assessment. Through the expert consultation method and hypothesis test method using different technology maturity grading for specific project category proportion index of the enterprise construction project: I level for more than 20%, suitable for low rate of insurance. In the quantitative evaluation of the project risk, considering the risk factors in two aspects of the influence degree of probability and risk, and build the scale of risk, as a reference to experts, expert evaluation more objective, lay the foundation for the subsequent premium rate, the engineering insurance rate of 1.45 per thousand. Finally, according to the "Peoples Insurance Company of China building engineering insurance requirements(2015 Edition)",the comprehensive set of relevant insurance scheme.In the research of the paper, it is found that the risk of insurance coverage must be covered by a reasonable insurance policy, which can reduce the risk of loss of safety accidents, and make the cost of insurance to achieve maximum effectiveness. Based on the selection of construction engineering insurance, insurance for the construction of a reasonable choice of "government" and "Insured" and "insurance" caused by the positive impact of the results of the analysis, and put forward the corresponding insurance strategy.