沈阳北方图书城总店火灾公众责任风险分析与保险.doc

沈阳北方图书城总店火灾公众责任 风险分析与保险 院 系 安全工程学院 专 业 班 级 学 号 姓 名 指导教师 负责教师 沈阳航空 xxxx年6月摘 要 受灾业主遭受大财产损失和人身伤亡的情况下，往往无力再支付巨额赔偿金，政府财政支出又有限，于是第三种补偿渠道——火灾公众责任险的优势便凸现出来。本文作为评估标的，对其风险进行定性分析通过对存在的风险因素进行分析，检查表，对安全检查表中各检查项目对风险进行分析关键词：；风险安全检查表Abstract In recent years, public places of large-scale fire casualties occur from time to time. The affected property owners suffer great losses and personal injury cases, often can not afford to pay huge compensation, the Governments financial expenditure, it is limited, then the third channel compensation - the fire of the advantages of public liability insurance will be emerged. However, Chinas rate of fire of public liability insurance is not the basis for determining the methods of science, so has a greater potential risk. Therefore the North City Book Store is chosen as a main subject of the assessment. Safety checklist method is used for qualitative risk analysis, and calculated in accordance with this form and the insurance premiums payable by the program. The paper first analyse the fire risk factors of the North City Book Store, and the safety checklist is formed in accordance with the analysis. The safety checklist prepared by the inspectors on the safety inspection form to check the inspection items and scoring on a qualitative analysis of fire risks. According to the results of the analysis after the North City Book Store of public liability insurance for fire insurance program design. Keywords: fire the public liability insurance; risk analysis; risk rating; insurance program design 目 录 1引言 1 1.1 研究背景 1 1.2 研究目的及内容 1 1.3 评估的流程 2 2 沈阳北方图书城总店概括及风险特点 3 2.1 北方图书城总店概况 3 2.2 北方图书城总店风险特点 4 2.2.1 营业面积大 4 2.2.2 人员流动量大且年龄段相对集中 4 2.2.3 使用特点复杂、可燃物多 4 2.2.4 电气、照明设备多 4 2.2.5 其他因素 4 3 北方图书城总店火灾风险因素分析与安全检查表编制 5 3.1 沈阳北方图书城总店火灾风险因素分析 5 3.1.1 建筑因素 5 3.1.2 消防因素 7 3.1.3 安全疏散措施 9 3.1.4 电气设备因素 11 3.1.5 商品因素 12 3.1.6 安全管理因素 13 3.1.7 其他因素 14 3.2 安全检查表的编制 15 3.2.1 安全检查表概述 15 3.2.2 北方图书城总店安全检查表编制 16 4 北方图书城总店火灾公众责任险的投保方案设计 23 4.1 火灾公众责任险 23 4