重大建设项目工程保险投保主体探讨——以南京南站综合枢纽快速环线工程为例

On the Main Policy Holder of Key Construction Projects——Taking the Express Ring Line Project for the Integrated Hub of South Nanjing Railway Station as an Example

建设项目的工程保险到底由谁投保更有利于项目的风险管理,国内各行业施工招标范本约定不一,加上保险专业性强,条款复杂难懂,发包方要么参照以往惯例,要么感到复杂难办直接推给承包方。这种简单处理方式都没有从有效风险管理的角度设身处地考虑项目风险管控。本文通过总结南京南站综合枢纽快速环线工程保险的实践经验,分析工程风险的主要承担对象,对发包方投保和承包方投保的利弊进行对比,认为重大建设项目工程保险由发包方投保更合理,并建议在投保过程中委托保险经纪人进行专业策划。

We can find different versions in the project bidding documents of different industries in China about the main policy holder for sake of benefiting the risk management of projects.Besides,as the insurance articles are too professional and complicated for understanding,the bidding inviters will either do as formal,or directly let the contractor deal with the related matters,which does not realize the purpose of managing and controlling the project risks.In this essay,the author summarizes the practice and experiences in the engineering insurance for the Express Ring Line Project for the Integrated Hub of South Nanjing Railway Station,analyzes the main party taking the engineering risks,and compares the merits and demerits of purchasing insurances respectively by the bidding inviter and the contractor.Finally,he draws the conclusion that it is more rational for the bidding inviter to purchase the insurance for key construction projects,under the professional aids from insurance brokers during the process.