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近年来,我国大型水利枢纽、石化企业、桥梁和隧道等基建项目不断增多,为项目保险已经成为正式动工前不可或缺的环节。保险公司为争取尽可能多的承保份额,不惜降低保险费率以求在竞争中胜出。如果费率过低,就难以进行再保险,风险就会积聚在保险公司手中。2006年7月,人保、太保、平安与中华联合四家公司共保“独山子石化工程”,为工程项目提供建筑、安装工程一切险及第三者责任险的保障。但实际不
In recent years, China’s large-scale water conservancy hubs, petrochemical enterprises, bridges and tunnels and other infrastructure projects continue to increase, as the project insurance has become an indispensable link before the official start. In order to win as much insurance coverage as possible, insurance companies are willing to lower premium rates to win the competition. If rates are too low, reinsurance is hard to come by, and risks build up in the hands of insurers. In July 2006, PICC, CPIC, Ping and the four companies jointly secured the “Dushanzi Petrochemical Project” to provide construction and installation engineering insurance and third-party liability insurance for the project. But actually not