建设工程勘察设计职业责任保费厘定方法研究

Study on the Professinal Liability Insurance for Exploration and Design of Construction Engineering

我国正处于建设工程勘察设计职业责任保险的研究开发阶段,由于缺乏保险精算所必需的历史数据,以观察法作为该险种保费厘定的方法具有较强的实践性和可操作性。本文通过对影响建设工程勘察设计职业责任保险保费主要因素的分析和对其厘定特殊性的研究,提出了基于观察法的综合保费确定方法,并总结了该险种保费计算的一般步骤。

In China, it is under way researching and developing the professional liability insurance for exploration and design of construction engineering. With the absence of necessary historical actuarial data, observation method proves to be a fairly practicable and maneuverable method for insurance premium determination. This paper begins with an analysis of the main factors involved in the premium determination of the insurance in question whose specialties are also discussed. Then, the paper suggests an integrative method of determining the insurance premium which is based on the observation method and summaries the usual steps of premium calculation for this insurance.