What does extended crane insurance mean?
Recently, crane extension insurance has become a hot topic in the field of engineering insurance, especially in construction, logistics and other industries. This article will combine the hot content on the entire Internet in the past 10 days to analyze in detail the definition, coverage, applicable scenarios and market dynamics of extended crane insurance, and use structured data to help readers quickly grasp key information.
1. Definition of extended crane insurance
Crane extended insurance is a special insurance for crane operation risks, usually as an additional insurance for construction machinery insurance. Its core function is to cover special risks that may occur during the operation of the crane, such as overturning, collision, third-party liability, etc., to make up for the lack of coverage of the main insurance.
| Main protection risks | Description |
|---|---|
| Crane arm broken | Boom damage caused by improper operation or aging equipment |
| capsizing accident | The crane overturned due to uneven ground or overloading |
| Third party liability | Damage to third parties’ persons or property during operations |
2. Analysis of recent market hot spots
According to the entire network data in the past 10 days, the attention of extended crane insurance has increased significantly, which is mainly related to the following events:
| hot events | Scope of influence | Keyword search volume increase |
|---|---|---|
| Crane overturning accident at a construction site | East China | +320% |
| Implementation of the new "Special Equipment Safety Law" | Nationwide | +180% |
| Logistics enterprise collective insurance case | Industry verticals | +150% |
3. Applicable Scenarios and Insurance Suggestions
Crane extended insurance is particularly suitable for the following scenarios:
1.Aerial work projects: High-risk environments such as bridge construction and high-rise building hoisting;
2.Complex terrain operations: Construction sites with high instability such as mountainous areas and soft foundations;
3.Large equipment hoisting: The value of a single hoisting exceeds the insured amount of the main insurance.
Insurance advice:
| Insurance elements | Things to note |
|---|---|
| Insurance amount setting | Need to cover equipment value + expected maximum liability risk |
| Disclaimer | Focus on natural disaster exemption clauses |
| Additional services | Give priority to products with emergency rescue services |
4. Industry Trends and Data Insights
According to the latest industry data:
| indicator | 2023 data | year-on-year growth |
|---|---|---|
| Crane extended insurance coverage | 38.7% | 12.5% |
| Average premium per order | ¥8,200 | 6.8% |
| Claim settlement ratio | 17.3% | -2.1% |
5. Frequently Asked Questions
Q: What is the difference between extended crane insurance and ordinary engineering insurance?
A: Ordinary engineering insurance mainly protects conventional construction risks, while extended insurance specifically targets high-risk scenarios unique to cranes, such as large-angle rotation, overload warning failure and other professional risks.
Q: Do small hoisting projects require insurance?
A: It is recommended to decide based on the project risk assessment. If it involves operations in public areas or lifting of valuables, even small projects should consider insurance.
From the above analysis, it can be seen that crane extension insurance is becoming an important tool for engineering risk management. As supervision tightens and industry risk awareness increases, it is expected that the market penetration rate of this insurance type will maintain an annual growth rate of more than 15% in the next three years.
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