What kind of insurance should I buy for a crane? Comprehensive analysis of crane insurance purchasing guide
In recent years, with the rapid development of the construction industry and logistics transportation, the frequency of use and risks of cranes as heavy mechanical equipment have also increased. How to choose appropriate insurance for cranes has become the focus of many car owners and companies. This article will combine the hot topics on the Internet in the past 10 days to analyze the key points for purchasing crane insurance and provide structured data for reference.
1. Core types of crane insurance
Crane insurance usually covers the following core types of insurance, and car owners can choose according to actual needs:
| Insurance name | Coverage | Applicable scenarios |
|---|---|---|
| Third party liability insurance | Compensation for third party personal or property losses caused by crane operation | Construction sites, road transportation, etc. |
| vehicle damage insurance | Covers the crane's own losses caused by accidents, natural disasters, etc. | All usage scenarios |
| driver liability insurance | Protect crane drivers from personal accidents during operation | high risk working environment |
| cargo liability insurance | Compensation for damage or loss of lifted goods caused by operational errors | Logistics transportation, construction site hoisting |
2. Things to note when purchasing crane insurance
1.Evaluate usage scenarios: Risk levels vary greatly in different working environments. For example, construction site hoisting has higher risks than ordinary road transportation, so you need to choose a more comprehensive insurance package.
2.Pay attention to the disclaimer: Some insurances are exempt from liability for overloading, unlicensed operation, etc. Please read the terms carefully before purchasing insurance to avoid claims disputes.
3.Compare premiums and sum assured: Choose a cost-effective solution based on the crane’s value and frequency of use. The following is recent market reference data:
| Crane tonnage | Average annual premium (yuan) | Common insurance coverage range (10,000 yuan) |
|---|---|---|
| Below 10 tons | 5,000-8,000 | 50-100 |
| 10-50 tons | 8,000-15,000 | 100-300 |
| More than 50 tons | 15,000-30,000 | 300-500 |
3. Comparison of recent popular insurance service providers
Based on the insurance products that have been hotly discussed across the Internet in the past 10 days, the following service provider information has been compiled for reference:
| insurance company | Special services | User rating (5-point scale) |
|---|---|---|
| Ping An Property & Casualty | Provide 24-hour accident rescue service | 4.6 |
| PICC Property & Casualty Insurance | Customized construction site special insurance | 4.4 |
| Pacific Insurance | Fast claim settlement channel (receipt within 72 hours) | 4.5 |
4. Expert advice
1.Prioritize combination insurance: It is often difficult for a single insurance type to cover all risks. It is recommended to choose the basic combination of "third party liability insurance + vehicle loss insurance", and then add other insurance types according to needs.
2.Regularly evaluate insurance options: As the service life of the crane increases or the operating environment changes, the insurance plan should be re-evaluated every year and the insurance amount and insurance types should be adjusted in a timely manner.
3.Pay attention to safety training: Data shows that 90% of crane accidents are related to irregular operations. When purchasing insurance, driver safety training should be strengthened to reduce risks from the source.
From the above analysis, it can be seen that the selection of crane insurance needs to comprehensively consider factors such as equipment parameters, usage scenarios, and budget. It is recommended that car owners apply for insurance through formal channels and keep complete equipment inspection records and operation logs. This can not only obtain more favorable premiums, but also provide sufficient basis for claims.
check the details
check the details
en
