I. Risks in the project decision-making phase

II. Risks during project implementation phase

I. Bidding Stage Risks

II. Risks during the contract performance stage

III. Risks during the acceptance and delivery phase

I. Risks from the owner or developer

II. Risks from contractors

III. Risks from own professional responsibilities

Identification steps

Identify common methods

Estimated content

Common methods for estimating

comment content

Common methods of evaluation

Response content

preventive solution

Monitor content

Monitoring methods

control measures

1. Risks are specific

2. Guarantee is comprehensive

3. The insured has extensive

4. The insurance period is uncertain

5. The insurance amount is subject to change

Classified by implementation

Classified by coverage

1||| Scope of liability for material losses

2||| Scope of liability of third party liability part

1||| Total exclusions

2||| Insurance exclusions applicable to material damage component

3||| Exclusions applicable to third party liability insurance

1||| Factors to consider in determining rates

2||| Rate composition

1||| Start time - the date when the project breaks ground/when the insured project raw materials, etc. are unloaded to the construction site (whichever occurs first)

2||| Termination time - the termination time specified in the policy/when the project is completed and handed over to the project owner/when the project owner starts using it (whichever occurs first)

3||| Warranty Period - Limited Liability Warranty Period/Extended Liability Warranty Period

4||| Extension of insurance period

1||| Scope of liability for material losses

2||| Scope of liability of third party liability part

1. Compensation for other property losses caused by design errors, except for direct losses; 2. Compensation for other property losses caused by excluding losses of electrical equipment and appliances themselves.

One-time rate

1||| 1. Start time - the date when the project breaks ground/when the insured project raw materials are unloaded to the construction site (whichever occurs first); 2. Termination time - the termination time specified in the policy/when the project is completed and handed over to the project owner / When the owner of the project starts using it (whichever happens first)

2||| Commissioning assessment period - cold test; hot test; trial production (not more than 3 months)

3||| Warranty date

4||| Extension of insurance period

All risks of construction projects - 1. The subject matter gradually increases after the start of construction, and the insurance amount gradually increases; 2. Mainly natural disasters;

All risks for installation projects - 1. The target exists on the construction site from the beginning, and the risk is greatest during the commissioning, assessment, and warranty stages; 2. Mainly losses due to man-made accidents; 3. The risk is relatively high, and the premium rate is high

Insurance duty

insurance type

Insurance liability - 1. Direct economic losses; 2. Litigation attorney fees; 3. Necessary expenses to reduce losses

Categories of exemption: 1. Absolute exemption from liability; 2. Appropriate exemption from liability

Necessary conditions: 1. Accidental injury during the insurance period; 2. Death or disability within the liability period; 3. The accident is the direct cause or proximate cause

1. Starting from 0:00 the day after the project officially starts and premiums have been paid; 2. Ending at 24:00 on the day of completion; 3. If completed ahead of schedule, it will be terminated on its own; 4. No insurance liability will be borne during the suspension period.

Differential rates; floating rates

1. Collapse of the main structure; 2. Inclination exceeding the allowable value; 3. Collapse and fracture of balcony awnings; 4. Cracks and deformation

Agreed compensation: 1. Demolition and cleanup costs; 2. Litigation costs

Project quality warranty period - the construction unit is responsible for repairs

Damage liability period

1||| Insurance liability is different

2||| The insured is different

3||| Insurance policies are issued in different ways

4||| Insurance amounts vary

5||| Different risk control measures

Formation: Project Risk Checklist

risk estimate