浅析工程保险制度及其推行障碍

本文以保险制度如何影响工程质量为主线，着重介绍并分析了几种重要的工程保险险种，如建设工程设计责任险、监理责任险、建筑工程一切险和工程质量保修保险。这几个险种在工程建设的不同阶段对于工程质量具有重要的影响，为保障工程质量起到了一定的促进作用。全面推行工程保险制度，也将为保险业开辟和拓展新的业务领域。

This article introduces and analyzes several important types of engineering insurance plans, intending to show how insurance system can impact quality of a project. For example, construction project design liability insurance, supervisor liability insurance, construction project all-purpose insurance and project quality maintenance insurance. These insurance plans have major impacts on quality of the project at different stages, and can enhance and safeguard project quality. Fully implementing the engineering insurance system will also open up a new business area for the insurance industry.