Statistics show that in 20 19, the national insurance brokerage institutions realized the premium income of1728.5 billion yuan, which continued the rapid growth rate in recent years. From the perspective of business composition, property insurance has always been the main business of insurance brokerage channels. This is related to the trend of "separation of production and marketing" in China's insurance industry, and also to the great asymmetry of information between insurers and policyholders in property insurance business.
Especially in engineering insurance, due to the high value of the subject matter insured and the large amount of insurance, it is usually necessary for insurance brokers to draw up insurance plans, handle insurance procedures, assist in claims settlement, or provide disaster prevention and loss prevention, risk assessment and risk management consulting services to engage in reinsurance brokerage services for customers.
Specifically, insurance brokers play an important role in the insurance, post-insurance and claim settlement stages of engineering insurance, selecting suitable insurance arrangements for customers, making comprehensive risk management plans and providing professional claim settlement assistance.
1. insurance stage: tailor-made insurance arrangement
In the insurance stage, insurance brokers mainly draw up insurance plans, choose insurance companies and go through insurance formalities for the insured. Unlike insurance agents who only provide quotations, insurance brokers, after knowing the actual needs of customers in detail, will make multiple plans for customers to choose from according to the quotations of property insurance companies, thus providing intermediary services for the insured and the insurer to reach insurance intentions.
As the representative of customers' interests, insurance brokers will first make arrangements for risks such as retention, contract transfer and insurance transfer on the basis of risk pre-exploration, and help the insured to obtain the maximum protection with the minimum risk management cost by designing a comprehensive and appropriate scope of protection.
Secondly, insurance brokers can strive for the most reasonable price for construction enterprises through the scale purchase effect, use their own professional and technical advantages and market information advantages, flexibly combine the engineering insurance of construction enterprises, and draw up the best insurance scheme: in addition to the statutory insurance for work-related injuries, construction accident insurance, construction all risks, installation all risks, construction machinery and equipment insurance, and safety production liability insurance are all recommended types of insurance. Engineering guarantee insurance, engineering quality insurance, professional liability insurance, catastrophe insurance and other related insurance are all voluntary insurance, and insurance brokers will help construction enterprises to obtain the maximum risk protection with the most reasonable insurance expenses.
Then, in the process of insurance, insurance brokers are also committed to eliminating the information asymmetry between construction enterprises and insurance companies, helping customers to understand the terms of insurance contracts in detail, especially the exemption clauses, the obligations of the insured and the insured, and the loss of surrender.
2. Post-warranty stage: overall consideration of risk management.
In the post-insurance stage, insurance brokers mainly provide customers with disaster prevention, loss prevention or risk assessment and risk management consulting services, and also carry out reinsurance brokerage business.
With the development of the insurance brokerage market, the function of insurance brokers has changed from traditional assisting customers and arranging insurance policies to risk managers of customers. As an expert in risk management, insurance brokers will reduce the probability of insurance accidents through disaster prevention and impairment in the process of project construction, and help enterprises to increase their awareness and consciousness of risk prevention; On the other hand, it will also provide value-added services such as risk management experts and housekeeper services to increase the rigor and scientificity of insurance contract execution and help construction enterprises prevent or control risks.
Specifically, insurance brokers will provide customers with risk analysis, survey, evaluation and suggestions during the insurance period: in the early stage, through investigation and analysis and on-site survey, they will put forward risk management suggestions such as property risk, liability risk, credit risk, quality risk and personal risk to help construction enterprises establish targeted risk management systems; In the later stage, through risk assessment and risk control suggestions, the risk management, insurance guarantee and claim settlement of construction enterprises are evaluated and audited regularly to help them continuously improve their risk management level.
Insurance brokers will also draw up reinsurance plans to help the original insurer (ceding company) vertically transfer the original risks by providing intermediary services for ceding companies and ceding companies to handle reinsurance business, and with the help of reinsurers (ceding companies), reasonably disperse the risks of insufficient solvency. For engineering insurance, the development of reinsurance brokerage business will provide greater rights and interests protection for construction projects.
3. Claim stage: Give full play to advantages to assist in claim.
In the settlement stage, the insurance broker mainly assists the insured or beneficiary to make settlement.
When a construction enterprise suffers losses of property and related interests due to natural disasters or accidents, it can get reasonable compensation with the help of insurance brokers. Especially in the face of the differences between construction companies and insurance companies in the determination of responsibilities and the amount of claims, insurance brokers can use their professional and technical advantages to review their responsibilities with insurance companies, strive for maximum compensation, and safeguard maximum customer interests; For insurance companies, insurance brokers can also reduce unnecessary claims disputes caused by the insured's ignorance of insurance knowledge and improve the operating efficiency of insurance companies.
Specifically, the insurance broker will submit the insurance notice to the insurer in time after the risk loss occurs, remind the insured of his rights and obligations under the policy, arrange the completion of the claim application, determine whether the assessor has been appointed and inform the customer of the role of the assessor, assist the insured in preparing relevant documents, and participate in accident investigation and claim negotiation when necessary.
Therefore, in engineering insurance, insurance brokers should not only make insurance plans according to their own conditions and conduct comprehensive risk management, but also give full play to their own advantages to help customers claim compensation, so that the losses of insured projects can be reasonably compensated. For construction enterprises, the value of engineering insurance is also largely realized through timely and effective insurance claims after risk losses occur.
As an important form of insurance marketing, insurance brokers have matured in Germany, the United States, Japan, Britain and other countries. In China, after more than 20 years of rapid development, insurance brokers have become irreplaceable risk managers in various fields. In the future, insurance brokers should also play an active role in risk pricing, disaster prevention and loss prevention, risk consultancy, loss assessment and claim settlement services, so as to better provide value-added services for insurance consumers.