与保险公司对话视频系列
观看瑞奇·麦克莱恩的这个三集系列, Senior Technical Director – Growth 和 Innovation Program Manager, 关于解决大型木材项目在建筑商风险保险方面面临的挑战.
The insurance challenge tends to present itself in two forms: 建造商风险保险 (或构造过程)和 固定财产保险 (待大厦落成及入住后). Relative risks are assessed differently for each type of insurance, 每一个都需要一个独特的方法. 例如:
建造商风险保险
与大多数其他框架系统相比,大型木结构建筑的施工阶段与火灾相关的风险不同. Since the timber elements have inherent fire-resistance capabilities, a building has a certain level of fire-resistance as soon as the frame is erected. 保护不依赖于(并等待安装)材料,如喷涂防火. The potential for faster construction can also mitigate several risks. 更短的施工时间意味着更少的潜在危险,如盗窃,纵火等.
固定财产保险
除了安全, 大型木结构建筑的固定财产保险需要了解与湿度等相关的性能, 耐久性和建筑围护细节. Much of the 固定财产保险 discussion is also site-specific—e.g., Is the area prone to flooding, earthquakes or high winds? 如下面链接的测试和研究报告所示,大量木材已经过严格的测试,以抵御潜在的自然灾害.
芝麻小事 offers two avenues to assist project teams who face insurance issues:
个别项目支持(免费)
We regularly engage in building-specific discussions on insurance issues. In addition to providing design 和 construction-related technical support, 我们还可以与经纪人和保险公司进行互动,回答他们有关木材性能的问题. 在你的项目中请求协助, 联系你当地的区域主管 或发邮件给芝麻小事帮助台 help@lyduquan.com.
发布资源
Because insurers often have similar areas of concern,木制品保留了越来越多的资源,证明了大量木材的安全性和耐久性, 包括测试结果, 研究和持续监测. 芝麻小事还发布了一份白皮书, which takes an in-depth look at the insurance industry, 包括它的历史, 影响保费的因素, 如何分析风险, 和 how project teams can navigate coverage for mass timber projects.
Insurance for Mass Timber Construction: Assessing Risk 和 Providing Answers
Whether you’re looking to insure a mass timber building, 想让你的项目更有保障, or need information on safety 和 performance—this paper is a useful resource.
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Mass Timber Project Questionnaire for 建造商风险保险
This document is an editable form that construction, 开发和设计团队可以填写,以帮助收集大量木材项目特定的信息,以便与他们的保险团队共享.
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