木业企业火灾危险性评价及保险费率厘定

Fire hazard assessment and premium rate planning for timber-processing businesses

针对木业企业火灾风险特点,建立企业火灾危险性评价方法——火灾风险调查评价法,并利用该方法得到系统安全分值SV,建立木业企业火灾保险费率模型。本文以浙江省嘉善县某典型木业企业为例,评价了其火灾危险性,计算了该企业火灾保险费率,并与投保企业财产综合险数据进行了对比分析。根据标的的火灾风险评估结果厘定了其火灾保险费率,并使其费率与风险状况一致。评价方法考虑了影响火灾风险的多方面因素,能对火灾风险状况做出较全面和客观的评价。案例研究表明,保险公司的恶性竞争手段——收取的保险费率远低于公平费率,是造成财险经营严重亏损的根本原因。

This paper intends to present its authors＇ renovated fire-hazard investigation method in view of the particular features of timber fire prevention and insurance making, including software, hardware, and processing and management hazards, which are likely to take place in such businesses. As a result of its investigation, the paper has worked out a system safety value （SV） for the assessment. Secondly, the timber fire insurance rating model has also been estab- lished based on the fire-hazards investigation. That is, when the SV is over 3, the premium rate can be reduced whereas the SV is less than 3, the rate tends to go up. However, when it is less than 1.5, the insurance companies are likely to refuse to provide their insurance terms. Last of all, the paper has also worked out a typical timber-processing premium rate based on the presented model, whose premium rate should be 2.200 ×10^- 3, but it would be underwritten at less than 0.5×10^-3 actually by the local insurance companies. That is to say, the underwritten rate being far less than the fair rate is the prime reason that is likely to lead to the property insurance losses. The fire risk evaluation method involves various factors which may influence successful fire-risk evaluation, including human and/or inhuman factors. However, the premium rating model introduced is based on the premium consistent with its fire risk evaluation results, and, therefore, is expected to help the policy holders to take actions to reduce the fire-hazard occurring rate eventually.