{"id":8288,"date":"2025-10-06T22:03:43","date_gmt":"2025-10-06T15:03:43","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=8288"},"modified":"2025-10-06T22:03:43","modified_gmt":"2025-10-06T15:03:43","slug":"simulasi-perhitungan-premi-asuransi-car-ear-tpl-untuk-semua-jenis-proyek-konstruksi-2","status":"publish","type":"post","link":"http:\/\/ligaasuransi.com\/zh\/simulasi-perhitungan-premi-asuransi-car-ear-tpl-untuk-semua-jenis-proyek-konstruksi-2\/","title":{"rendered":"\u5404\u985e\u5efa\u7bc9\u9805\u76ee\u7684CAR\/EAR\/TPL\u4fdd\u96aa\u8cbb\u8a08\u7b97\u6a21\u64ec"},"content":{"rendered":"

\u5370\u5c3c\u5efa\u7bc9\u696d\u6301\u7e8c\u5448\u73fe\u6b63\u5411\u6210\u9577\u614b\u52e2\uff0c\u5c24\u5176\u662f\u5728\u57fa\u790e\u5efa\u8a2d\u3001\u623f\u5730\u7522\u3001\u80fd\u6e90\u548c\u5de5\u696d\u5712\u5340\u9818\u57df\u3002\u653f\u5e9c\u8207\u79c1\u71df\u90e8\u9580\u651c\u624b\uff0c\u6301\u7e8c\u63a8\u52d5\u6536\u8cbb\u516c\u8def\u3001\u6e2f\u53e3\u3001\u6a5f\u5834\u3001\u767c\u96fb\u5ee0\u3001\u5de5\u696d\u5712\u5340\u548c\u623f\u5730\u7522\u9805\u76ee\u7684\u5efa\u8a2d\uff0c\u7e3d\u6295\u8cc7\u984d\u9054\u6578\u842c\u5104\u76e7\u6bd4\u3002\u9019\u4e9b\u9805\u76ee\u65e2\u5e36\u4f86\u4e86\u5de8\u5927\u7684\u6a5f\u9047\uff0c\u4e5f\u5e36\u4f86\u4e86\u65e5\u76ca\u8907\u96dc\u7684\u98a8\u96aa\u3002<\/span><\/p>\n

\u5728\u6bcf\u500b\u5efa\u7bc9\u5c08\u6848\u4e2d\uff0c\u5c08\u6848\u696d\u4e3b\u3001\u627f\u5305\u5546\u548c\u6295\u8cc7\u8005\u7e3d\u662f\u6703\u63d0\u51fa\u4e00\u500b\u554f\u984c\uff1a\u300c\u9019\u500b\u5c08\u6848\u7684 CAR\/EAR\/TPL \u4fdd\u96aa\u8cbb\u662f\u591a\u5c11\uff1f\u300d\u9019\u662f\u4e00\u500b\u975e\u5e38\u5408\u7406\u7684\u554f\u984c\uff0c\u56e0\u70ba\u4fdd\u96aa\u4e0d\u50c5\u662f\u4e00\u9805\u5408\u7d04\u7fa9\u52d9\uff0c\u4e5f\u662f\u4fdd\u8b77\u6295\u8cc7\u7684\u7b56\u7565\u9700\u6c42\u3002<\/span><\/p>\n

\u672c\u6587\u5c07\u5168\u9762\u8a0e\u8ad6\u5efa\u7bc9\u5c08\u6848\u7684\u98a8\u96aa\u3001\u6c7a\u5b9a\u4fdd\u8cbb\u6210\u672c\u7684\u56e0\u7d20\u3001\u4fdd\u96aa\u627f\u4fdd\u8cc7\u8a0a\u7684\u91cd\u8981\u6027\u3001\u4fdd\u96aa\u7d93\u7d00\u4eba\u7684\u4f5c\u7528\uff0c\u4ee5\u53ca\u9078\u64c7\u50cf L&G \u4fdd\u96aa\u7d93\u7d00\u516c\u53f8\u9019\u6a23\u7684\u503c\u5f97\u4fe1\u8cf4\u7684\u5408\u4f5c\u5925\u4f34\u53ef\u4ee5\u7372\u5f97\u7684\u5be6\u969b\u597d\u8655\u3002<\/span><\/p>\n

\n

\u7acb\u5373\u806f\u7d61 L&G \u4fdd\u96aa\u7d93\u7d00\u4eba<\/b> \u96fb\u8a71\u865f\u78bc<\/b> 08118507773<\/b><\/a> \u5728\u98a8\u96aa\u56f0\u64fe\u60a8\u7684\u696d\u52d9\u4e4b\u524d\u9032\u884c\u514d\u8cbb\u8aee\u8a62\u3002<\/b><\/p><\/blockquote>\n

\n

 <\/p>\n

\u5fc5\u9808\u7ba1\u7406\u7684\u5efa\u8a2d\u5de5\u7a0b\u98a8\u96aa<\/span><\/h3>\n

\u5efa\u7bc9\u5de5\u7a0b\u672c\u8eab\u5c31\u5177\u6709\u98a8\u96aa\u3002\u9019\u4e9b\u98a8\u96aa\u5305\u62ec\uff1a<\/span><\/p>\n

    \n
  1. \u6280\u8853\u98a8\u96aa\uff0d\u8a2d\u8a08\u932f\u8aa4\u3001\u7d50\u69cb\u6545\u969c\u3001\u6750\u6599\u640d\u58de\u6216\u5b89\u88dd\u5931\u6557\u3002<\/span><\/li>\n
  2. \u81ea\u7136\u98a8\u96aa\uff0d\u8a72\u5730\u5340\u7684\u6d2a\u6c34\u3001\u5c71\u5d29\u3001\u5730\u9707\u3001\u98b6\u98a8\u548c\u6d77\u562f\u6613\u53d7\u50b7\u5bb3\u7684\u3002<\/span><\/li>\n
  3. \u5de5\u4f5c\u4e8b\u6545\u98a8\u96aa\uff0d\u5f9e\u9ad8\u8655\u589c\u843d\u3001\u88ab\u589c\u843d\u7269\u9ad4\u64ca\u4e2d\u3001\u7206\u70b8\u6216\u706b\u707d\u3002<\/span><\/li>\n
  4. \u7b2c\u4e09\u65b9\u98a8\u96aa\uff0d\u5c08\u6848\u6d3b\u52d5\u5c0e\u81f4\u5468\u908a\u793e\u5340\u8ca1\u7522\u53d7\u640d\u3001\u8a34\u8a1f\u6216\u7b2c\u4e09\u65b9\u53d7\u50b7\u3002<\/span><\/li>\n
  5. \u8ca1\u52d9\u98a8\u96aa\uff0d\u56e0\u707d\u96e3\u6216\u4e8b\u6545\u5c0e\u81f4\u6210\u672c\u8d85\u652f\uff0c\u9020\u6210\u5de5\u7a0b\u5ef6\u8aa4\u3002<\/span><\/li>\n<\/ol>\n

    \u5982\u679c\u6c92\u6709\u4fdd\u96aa\uff0c\u6240\u6709\u9019\u4e9b\u98a8\u96aa\u5c07\u7531\u627f\u5305\u5546\u6216\u5c08\u6848\u696d\u4e3b\u76f4\u63a5\u627f\u64d4\u3002\u7531\u6b64\u9020\u6210\u7684\u640d\u5931\u53ef\u80fd\u9ad8\u9054\u6578\u5341\u5104\u751a\u81f3\u6578\u842c\u5104\u76e7\u6bd4\u3002\u56e0\u6b64\uff0c\u64c1\u6709\u627f\u5305\u5546\u4e00\u5207\u96aa (CAR)\u3001\u5b89\u88dd\u4e00\u5207\u96aa (EAR) \u548c\u7b2c\u4e09\u65b9\u8cac\u4efb\u96aa (TPL) \u81f3\u95dc\u91cd\u8981\u3002<\/span><\/p>\n

     <\/p>\n

    \u4fdd\u96aa\u627f\u4fdd\u8cc7\u8a0a\u7684\u91cd\u8981\u6027<\/span><\/h3>\n

    \u4fdd\u96aa\u516c\u53f8\u5728\u63d0\u4f9b\u4fdd\u8cbb\u4e4b\u524d\uff0c\u9700\u8981\u627f\u4fdd\u8cc7\u8a0a\u3002\u9019\u4e9b\u6578\u64da\u7528\u65bc\u8a55\u4f30\u9805\u76ee\u7684\u98a8\u96aa\u7b49\u7d1a\u3002\u5982\u679c\u6c92\u6709\u5b8c\u6574\u7684\u8a0a\u606f\uff0c\u4fdd\u96aa\u516c\u53f8\u5f80\u5f80\u6703\u8a2d\u5b9a\u66f4\u9ad8\u7684\u4fdd\u8cbb\uff0c\u56e0\u70ba\u98a8\u96aa\u88ab\u8a8d\u70ba\u4e0d\u660e\u78ba\u3002<\/span><\/p>\n

    \u901a\u5e38\u9700\u8981\u7684\u4e00\u4e9b\u8cc7\u8a0a\uff1a<\/span><\/p>\n

      \n
    1. \u5c08\u6848\u6982\u6cc1\uff1a\u5c08\u6848\u540d\u7a31\u3001\u5c08\u6848\u696d\u4e3b\u3001\u7e3d\u627f\u5305\u5546\u3001\u5206\u5305\u5546\u3002<\/span><\/li>\n
    2. \u5408\u7d04\u50f9\u503c\uff1a\u5c08\u6848\u7e3d\u50f9\u503c\uff08\u7f8e\u5143\u6216\u5370\u5c3c\u76fe\uff09\u3002<\/span><\/li>\n
    3. \u5de5\u4f5c\u985e\u578b\uff1a\u571f\u6728\u5de5\u7a0b\u3001\u6a5f\u68b0\u5de5\u7a0b\u3001\u96fb\u6a5f\u5de5\u7a0b\u3001\u5b89\u88dd\u5de5\u7a0b\u6216\u7d44\u5408\u5de5\u7a0b\u3002<\/span><\/li>\n
    4. \u5c08\u6848\u671f\u9650\uff1a\u5be6\u65bd\u7684\u6642\u9593\u9031\u671f\u3002<\/span><\/li>\n
    5. \u9805\u76ee\u4f4d\u7f6e\uff1a\u662f\u5426\u5bb9\u6613\u767c\u751f\u6d2a\u6c34\u3001\u5730\u9707\u6216\u4eba\u53e3\u7a20\u5bc6\u5730\u5340\u3002<\/span><\/li>\n
    6. \u5de5\u4f5c\u65b9\u6cd5\uff1a\u662f\u5426\u4f7f\u7528\u91cd\u578b\u8a2d\u5099\u3001\u5148\u9032\u6280\u8853\u6216\u624b\u52d5\u4f5c\u696d\u3002<\/span><\/li>\n
    7. \u627f\u5305\u5546\u7d93\u9a57\uff1a\u4ed6\/\u5979\u66fe\u7d93\u53c3\u8207\u904e\u985e\u4f3c\u7684\u5c08\u6848\u55ce\uff1f<\/span><\/li>\n
    8. \u5148\u524d\u7684\u4e8b\u6545\/\u640d\u5931\u6b77\u53f2\uff1a\u985e\u4f3c\u9805\u76ee\u7684\u7d22\u8ce0\u8cc7\u6599\u3002<\/span><\/li>\n<\/ol>\n

      \u63d0\u4f9b\u7684\u8cc7\u8a0a\u8d8a\u5b8c\u6574\u3001\u8d8a\u8a73\u7d30\uff0c\u7372\u5f97\u5177\u6709\u66f4\u9748\u6d3b\u689d\u6b3e\u548c\u689d\u4ef6\u7684\u6709\u7af6\u722d\u529b\u7684\u4fdd\u8cbb\u7684\u6a5f\u6703\u5c31\u8d8a\u5927\u3002<\/span><\/p>\n

       <\/p>\n

      \u78ba\u5b9a\u4fdd\u8cbb\u6240\u9700\u7684\u6578\u64da<\/span><\/h3>\n

      \u9664\u4e86\u627f\u4fdd\u8cc7\u8a0a\u5916\uff0c\u4fdd\u96aa\u516c\u53f8\u9084\u9700\u8981\u66f4\u5177\u9ad4\u7684\u91cf\u5316\u6578\u64da\uff0c\u4f8b\u5982\uff1a<\/span><\/p>\n

        \n
      1. \u5efa\u7bc9\u50f9\u503c\uff08\u4fdd\u96aa\u91d1\u984d\uff09\uff0d\u5305\u62ec\u6750\u6599\u50f9\u503c\u3001\u4eba\u529b\u6210\u672c\u3001\u8a2d\u5099\u6210\u672c\u548c\u984d\u5916\u6210\u672c\u3002<\/span><\/li>\n
      2. \u8a2d\u5099\u50f9\u503c\uff0d\u5982\u679c\u9805\u76ee\u9700\u8981\u70ba\u91cd\u578b\u8a2d\u5099\u6295\u4fdd\u3002<\/span><\/li>\n
      3. \u627f\u4fdd\u671f\u9650\uff0d\u627f\u4fdd\u671f\u9650\u8d8a\u9577\uff0c\u4fdd\u8cbb\u8d8a\u9ad8\u3002<\/span><\/li>\n
      4. TPL\uff08\u7b2c\u4e09\u65b9\u8cac\u4efb\uff09\u9650\u984d\uff0d\u901a\u5e38\u8a2d\u5b9a\u70ba 50 \u5104\u5370\u5c3c\u76fe\u81f3 1,000 \u5104\u5370\u5c3c\u76fe\uff0c\u5177\u9ad4\u53d6\u6c7a\u65bc\u5c08\u6848\u898f\u6a21\u3002<\/span><\/li>\n
      5. \u514d\u8ce0\u984d\uff0d\u5728\u7406\u8ce0\u4e4b\u524d\uff0c\u88ab\u4fdd\u96aa\u4eba\u5fc5\u9808\u81ea\u4ed8\u7684\u91d1\u984d\u3002<\/span><\/li>\n
      6. \u5176\u4ed6\u98a8\u96aa\u985e\u578b\u2014\u4f8b\u5982\u6db5\u84cb\u5ef6\u9577\u7dad\u8b77\u3001\u6e2c\u8a66\u548c\u8abf\u8a66\u3001\u7f77\u5de5\u3001\u66b4\u52d5\u548c\u5167\u4e82 (SRCC) \u6216\u81ea\u7136\u707d\u5bb3\u3002<\/span><\/li>\n<\/ol>\n

        \u6709\u4e86\u9019\u4e9b\u6578\u64da\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u6839\u64da\u5be6\u969b\u9805\u76ee\u72c0\u6cc1\u6a21\u64ec\u4fdd\u8cbb\u8a08\u7b97\u3002\u9019\u5c31\u662f\u70ba\u4ec0\u9ebc\u5373\u4f7f\u5408\u7d04\u50f9\u503c\u76f8\u540c\uff0c\u6bcf\u500b\u9805\u76ee\u7684\u4fdd\u8cbb\u7387\u4e5f\u53ef\u80fd\u4e0d\u540c\u3002<\/span><\/p>\n

         <\/p>\n

        \u6c7a\u5b9a\u4fdd\u8cbb\u6210\u672c\u7684\u56e0\u7d20<\/span><\/h3>\n

        CAR\/EAR\/TPL \u4fdd\u8cbb\u7387\u4e26\u975e\u56fa\u5b9a\u3002\u4ee5\u4e0b\u5e7e\u500b\u56e0\u7d20\u6703\u986f\u8457\u5f71\u97ff\u4fdd\u8cbb\u91d1\u984d\uff1a<\/span><\/p>\n

        \u9805\u76ee\u985e\u578b<\/span><\/p>\n

          \n
        1. \u571f\u6728\u5de5\u7a0b\uff08\u6536\u8cbb\u516c\u8def\u3001\u6a4b\u6a11\u3001\u6c34\u58e9\uff09\u2192\u7d50\u69cb\u98a8\u96aa\u5927\uff0c\u5bb9\u6613\u767c\u751f\u6d2a\u6c34\/\u5c71\u5d29\u3002<\/span><\/li>\n<\/ol>\n

          \u5de5\u7a0b\u8207\u5b89\u88dd\uff08\u5de5\u5ee0\u3001\u767c\u96fb\u5ee0\u3001\u77f3\u6cb9\u548c\u5929\u7136\u6c23\uff09\u2192\u5b89\u88dd\u6a5f\u68b0\u548c\u8a2d\u5099\u6642\u98a8\u96aa\u8f03\u9ad8\u3002<\/span><\/p>\n

            \n
          1. \u623f\u5730\u7522\u5c08\u6848\uff08\u8fa6\u516c\u5927\u6a13\u3001\u516c\u5bd3\u3001\u5546\u5834\uff09\u2192\u66f4\u95dc\u6ce8\u706b\u707d\u98a8\u96aa\u548c\u5de5\u4eba\u4e8b\u6545\u3002<\/span><\/li>\n<\/ol>\n
              \n
            1. \u5c08\u6848\u5408\u7d04\u984d<\/span><\/li>\n
            2. \u5408\u7d04\u50f9\u503c\u8d8a\u9ad8\uff0c\u4fdd\u96aa\u50f9\u503c\u8d8a\u5927\uff0c\u4fdd\u8cbb\u81ea\u52d5\u589e\u52a0\u3002<\/span><\/li>\n
            3. \u5c08\u6848\u5de5\u671f<\/span><\/li>\n
            4. \u9577\u671f\u5c08\u6848\u7684\u98a8\u96aa\u655e\u53e3\u8d8a\u5927\u2192\u4fdd\u8cbb\u8d8a\u9ad8\u3002<\/span><\/li>\n
            5. \u5c08\u6848\u5730\u9ede<\/span><\/li>\n
            6. \u5730\u9707\u3001\u6d2a\u6c34\u6216\u793e\u6703\u885d\u7a81\u591a\u767c\u5730\u5340\u7684\u9805\u76ee\u9700\u7e73\u7d0d\u9644\u52a0\u8cbb\u3002<\/span><\/li>\n
            7. \u627f\u5305\u5546\u7d93\u9a57<\/span><\/li>\n
            8. \u7d93\u9a57\u8c50\u5bcc\u4e14\u696d\u7e3e\u826f\u597d\u7684\u627f\u5305\u5546\u901a\u5e38\u6703\u7372\u5f97\u8f03\u4f4e\u7684\u4fdd\u8cbb\u3002<\/span><\/li>\n
            9. \u7d22\u8ce0\u7cfb\u7d71\u6b77\u53f2<\/span><\/li>\n
            10. \u5982\u679c\u516c\u53f8\u6216\u627f\u5305\u5546\u7d93\u5e38\u9047\u5230\u7d22\u8ce0\uff0c\u4fdd\u8cbb\u53ef\u80fd\u6703\u66f4\u9ad8\u3002<\/span><\/li>\n
            11. \u5c01\u9762\u985e\u578b\u8d8a\u4f86\u8d8a\u591a\u4fdd\u96aa\u7bc4\u570d\u8d8a\u5ee3\uff0c\u4fdd\u8cbb\u5c31\u8d8a\u9ad8\u3002<\/span><\/li>\n<\/ol>\n

               <\/p>\n

              \u70ba\u4ec0\u9ebc\u6bcf\u500b\u9805\u76ee\u7684\u4fdd\u8cbb\u6703\u4e0d\u540c\uff1f<\/span><\/h3>\n

              \u5f88\u591a\u5c08\u6848\u696d\u8005\u6703\u554f\uff0c\u70ba\u4ec0\u9ebc\u5efa\u7bc9\u5de5\u7a0b\u4fdd\u96aa\u8cbb\u6c92\u6709\u7d71\u4e00\u7684\u6a19\u6e96\u8cbb\u7387\uff1f\u56e0\u70ba\u6bcf\u500b\u9805\u76ee\u90fd\u6709\u5176\u7368\u7279\u7684\u7279\u9ede\u3002<\/span><\/p>\n

              \u4f8b\u5b50\uff1a<\/span><\/p>\n

              \u5c08\u6848A\uff1a\u5728\u96c5\u52a0\u9054\u5efa\u9020\u4e00\u68df\u516c\u5bd3\uff0c\u5408\u7d04\u91d1\u984d\u70ba5000\u5104\u5370\u5c3c\u76fe\uff0c\u5730\u52e2\u5e73\u5766\uff0c\u6d2a\u6c34\u98a8\u96aa\u4f4e\uff0c\u627f\u5305\u5546\u7d93\u9a57\u8c50\u5bcc\u3002<\/span><\/p>\n

              \u5c08\u6848B\uff1a\u5728\u5df4\u5e03\u4e9e\u8208\u5efa\u4e00\u5ea7\u6a4b\u6a11\uff0c\u5408\u7d04\u50f9\u503c5000\u5104\u5370\u5c3c\u76fe\uff0c\u5730\u9ede\u6613\u767c\u751f\u5c71\u9ad4\u6ed1\u5761\uff0c\u5de5\u671f\u8f03\u9577\uff0c\u9700\u8981\u65b0\u7684\u627f\u5305\u5546\u3002<\/span><\/p>\n

              \u5373\u4f7f\u5408\u7d04\u50f9\u503c\u76f8\u540c\uff0c\u5c08\u6848 B \u7684\u4fdd\u8cbb\u4e5f\u53ef\u80fd\u6bd4\u5c08\u6848 A \u9ad8\u51fa 30-50%\u3002\u9019\u662f\u7531\u65bc\u5730\u9ede\u3001\u6301\u7e8c\u6642\u9593\u3001\u5de5\u4f5c\u65b9\u6cd5\u548c\u627f\u5305\u5546\u7d93\u9a57\u7684\u5dee\u7570\u6240\u9020\u6210\u7684\u3002<\/span><\/p>\n

              \u63db\u53e5\u8a71\u8aaa\uff0c\u5efa\u7bc9\u4fdd\u96aa\u8cbb\u4e0d\u50c5\u50c5\u662f\u6578\u5b57\uff0c\u9084\u8207\u5c08\u6848\u56fa\u6709\u7684\u98a8\u96aa\u7ba1\u7406\u6709\u95dc\u3002<\/span><\/p>\n

               <\/p>\n

              \u5efa\u7bc9\u5de5\u7a0b\u4fdd\u96aa\u7684\u985e\u578b<\/span><\/h3>\n