A Research On Insurance Rates Set Of JK Highway Engineering

Engineering construction has always been a high-risk industry,and it will face huge challenges in the whole life cycle of the project.For high-input and long-period highway projects,in the specific implementation process of the project,many issues such as personnel and equipment need to be comprehensively considered,plus a large number of participating departments.Therefore,huge construction risks always accompany the whole process it goes through.After combining various methods for project management,people find that engineering insurance is the risk management measure that has been selected the most and is the most effective.By purchasing engineering insurance,the insurer can transfer many risks that are unpredictable and cause large losses to the insurance company,and control the losses within their own tolerance.The significance of insurance is to get maximum security at a lower cost.From the perspective of engineering enterprises and from a broad sense of risk,this paper analyzes the causes and characteristics of the risks faced by China's highway projects,as well as the problems existing in the determination of insurance rates.Furthermore,by analyzing the risks faced in the construction of JK expressway project and combining with the knowledge of engineering insurance,this paper studies a method that can quickly determine the insurance premium rate at the early stage of the project,proposes a model for determining the insurance premium rate,and applies the model to verify the applicability of this method.This method is based on the maximum possible loss method,combined with the increase and decrease method,which is one of the common methods of determining the engineering insurance rate in China,and based on the expert experience and relevant statistical data.Start with current basic situation of the development of the insurance company and the basis of the particularity of the project,combined with the insurance agency's ability to cope with risks,to classify the risk of project,according to the different risk can cause the biggest losses,thus calculated from quantitative risk expected losses,combined with risk factors control ability of rate adjustment coefficient,finally determine the pure rate.This research method not only combines the rate determination method of the insurance industry,but also conforms to the objective law of engineering insurance according to the actual situation of JK expressway project.At the same time,it can provide relatively practical insurance rate for enterprises at the initial stage of the project,providing certain theoretical basis for the selection of engineering insurance later.