工程保险作为财产保险的一种,在保险利益方面与普通财产保险相似,但有其特殊性。被保险人的保险利益来源于建筑工程合同,建筑施工过程中涉及到的工程所有人、承包商、设计者等均具有法律上认可的保险利益,各关系方的保险利益是围绕建筑工程总保险利益的分散体现,因此,工程保险的被保险人是由各关系方构成的共同被保险人,是工程保险利益特殊性的一种表现形式。 As a kind of property insurance, engineering insurance is similar to ordinary property insurance in insurance interests, but it has its own particularity. The insured’s insurance benefits come from the construction contract, and the project owner, contractor and designer involved in the construction process all have legally recognized insurance interests. The interests of all the parties involved in the insurance cover the construction insurance Therefore, the insurant of engineering insurance is the common insured by all the parties concerned, and it is a manifestation of the particularity of engineering insurance interests.