Construction project insurance includes: construction project insurance, installation project insurance, and technology project insurance.

1. The insured of construction project insurance generally includes the following aspects:

1. It is the owner of the project, that is, the final owner of the construction project.

2. It is the project contractor, that is, the unit responsible for the construction of the construction project, which can be divided into main contractor and sub-contractor;

3. It is the technical consultant, that is Architects, designers, engineers and other professional technical consultants hired by the project owner.

2. Installation project insurance has the following characteristics:

1. Installation projects are the main underwriting objects. This may also include accessory building items.

2. The risk distribution of installation projects has obvious stages.

3. Underwriting risks are mainly man-made risks and are of a technical nature.

3. Science and technology engineering insurance includes the following points:

1. Offshore oil.

2. Satellite insurance.

3. Nuclear power plant insurance.

Extended information:

1. Construction insurance: a comprehensive insurance gradually evolved on the basis of fire insurance, accident insurance and liability insurance. Its main characteristics are:

(1) The particularity of the insured risks. Most of the insured objects covered by construction engineering insurance are exposed to risks. At the same time, projects under construction are always in a dynamic process during the construction process, and various risk factors are complicated and the risk level increases.

(2) Comprehensive risk protection. Construction engineering insurance not only covers the risk of property loss of the insured, but also covers the liability risk of the insured. It can also provide various risks during transportation, storage outside the construction site, and guarantee period based on the specific risks of the project.

(3) Extensiveness of the insured. Including owners, contractors, subcontractors, technical consultants, equipment suppliers and other related parties.

(4) The particularity of rates. Construction insurance uses period rates rather than annual rates.

(5) Insurance periods vary. The insurance period of traditional insurance is usually one year and can be renewed at the end of the period; while the insurance period of construction insurance is generally calculated based on the construction period, that is, from the start of the project to the completion of the project.

Especially for large-scale projects, some of them are constructed and delivered in phases, so the deadlines of each project may be longer or shorter. ?

2. The subject matter of installation project insurance is very wide, but like construction project insurance, it can also be divided into two categories: material property itself and third-party liability. Among them, the material property itself includes installation projects, civil construction projects, site cleanup fees, and other property of the owner or contractor on the construction site;

Third-party liability refers to the loss of property during the validity period of the insurance due to If an accident occurs at the construction site and causes personal injury or property damage to a third party at the construction site and adjacent areas, the insured shall bear the liability for compensation according to law, as well as the resulting litigation fees and other expenses agreed in writing by the insurer.

3. Definition of accidental injury insurance for construction projects

1. Accidental injury insurance for construction projects refers to: those who are engaged in construction operations and project management at the construction site of construction projects, and who work with construction companies Personnel who establish a labor relationship are required to purchase insurance for such labor groups by their construction companies in accordance with the requirements of the National Construction Law and enjoy work-related injury insurance benefits.

2. Accident insurance premiums shall be paid by the construction unit. If general contracting of construction is implemented, the accident insurance premium shall be paid by the general contractor. The accident insurance period starts from the date when the construction project starts until the completion acceptance is passed. ?

3. The insurance amount of construction insurance is generally chosen by the builder based on its own interests. Generally, the insurance premium is calculated based on the number of construction workers, construction area, or total project cost.

Baidu Encyclopedia--Construction Engineering Insurance