Study Of Risk Assessment And Insurance Plan Of Urban Utility Tunnels During Construction Period

Since 2013,the State Council has initiated a pilot project for underground utility tunnel.In2017,a total of 2005 kilometers of comprehensive corridors have been constructed nationwide,and the development of utility tunnel in China have entered a rapid stage.As a large-scale system project,the pipe gallery project,which involves many participants and a large amount of investment,so it is necessary to perform risk management.At present,there have been many achievements in the risk research of the utility tunnel project,but insufficient attention has been paid to the risk response measures of engineering insurance.Research on its insurance plan based on assessing the risk situation of the project not only helps to improve the risk response measures,but also provides a reference for the contractor when applying for insurance.This paper takes the construction period of the underground comprehensive pipe corridor as the research object,uses system dynamics and fuzzy comprehensive evaluation to establish a risk management model,conducts risk identification,risk evaluation and insurance optimization calculation,and verifies based on the ratio of the maximum insurable amount and the premium optimize the effect.Taking the construction period of the Mian-yang utility tunnel as an example,the project profile of the project was investigated,and the evaluation model was used to make reasonable suggestions for the optimization of the project insurance scheme.1)The risk identification is carried out during the construction period of the tunnel.By sorting out 35 literatures,19 risk indicators were obtained,and a list of risk factors for the construction period of the underground utility tunnel was initially formed.2)Establish a system dynamics model for risk assessment.Vensim PLE software was used to draw risk feedback graphs and stock flow graphs.The G1 method is used to determine the risk factor weights,establish a linear function relationship of each risk subsystem.Then determine the risk value of each factor at the boundary points through a questionnaire survey.Checked the reliability of the questionnaire and the practicability of the system dynamics model.3)The insurance optimization calculation is carried out by means of fuzzy comprehensive evaluation.According to the results of the risk assessment,the trend and value of risks are obtained.Furthermore,determine the risk level and insurance adjustment coefficient based on establishing a fuzzy comprehensive assessment model for the insurable risks.The ratio of the maximum insurable amount to the premium is introduced to verify the optimization effect.4)Relying on the underground utility tunnel project of Mianyang for simulation analysis.The results show that the security risks that affect accident insurance and the risks that affect all insurance risks for construction projects are low.When the contractor applies for insurance,it is recommended that the insurance premium rate for group accident insurance is 0.4141‰⁰.5176‰,and the insurance premium rate for all risks of construction projects is 2.9091‰⁵.8182‰.The ratio of the adjusted maximum insurable amount to the premium₂=9.2441 is greater than the ratio₁=8.9640 before the adjustment,which improves the efficiency of fund use by the policyholder.