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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。
China is in the stage of research and development of occupational liability insurance for construction engineering survey and design. Due to the lack of historical data necessary for actuarial calculation, observational method as a method to determine the insurance premium has strong practicality and operability. Based on the analysis of the main factors influencing the premium of occupational liability insurance in construction engineering survey and design and the research on its determining particularity, this paper puts forward the method of determining the comprehensive premium based on observation and summarizes the general steps of calculating the premium of the insurance.