What kind of insurance do I need to buy for a crane? Comprehensive analysis of crane insurance buying guide
In the fields of construction, logistics and engineering, cranes are important heavy machinery equipment, and their safety and risk protection are crucial. Purchasing the right insurance can not only reduce operational risks, but also avoid huge financial losses due to accidents. This article will analyze in detail the types of insurance that cranes need to purchase and provide structured data for reference.
1. Common types of insurance for cranes
There are many types of crane insurance, and different insurances cover different risk ranges. The following are common types of crane insurance and their coverage:
| insurance type | Coverage | Applicable scenarios |
|---|---|---|
| Compulsory traffic insurance | Compulsory insurance covering third party personal injury and property damage | Legally required and must be purchased |
| Commercial third party liability insurance | Compensation for third-party losses exceeding the portion of compulsory traffic insurance | It is recommended to buy to supplement the insufficient compulsory traffic insurance. |
| car damage insurance | Covers the crane itself for losses caused by accidents or natural disasters | Suitable for high value cranes |
| Theft and rescue | Compensation after crane stolen or robbed | Suitable for areas with high theft risk |
| Personnel on board liability insurance | Covers personal accidental injuries to operators and staff | Keep employees safe |
| cargo liability insurance | Compensation for damage or loss of goods during hoisting | Crane suitable for transporting valuable cargo |
2. How to choose suitable crane insurance?
When choosing crane insurance, you need to comprehensively consider factors such as the crane's usage environment, value, and operating risks. Here are some key suggestions:
1. Choose insurance according to the working environment
If the crane is operating in a densely populated or high-risk area, commercial third-party liability insurance and theft insurance are particularly important; if the crane is operating in a remote area, the amount of theft insurance can be appropriately reduced.
2. Evaluate the value of the crane
For high-value cranes, it is recommended to purchase vehicle damage insurance and on-board personnel liability insurance to ensure equipment safety and operator protection.
3. Consider business needs
If the crane is mainly used to hoist valuable cargo, cargo liability insurance is essential; if it involves high-altitude operations, additional accident insurance is also required.
3. Popular insurance recommendations (data in the past 10 days)
The following are the popular crane insurance products and their features on the market recently:
| insurance company | insurance products | Main features | Reference price (annual premium) |
|---|---|---|---|
| Ping An Insurance | Crane Comprehensive Insurance | Covers car damage, third party insurance, and theft insurance | ¥8,000-¥15,000 |
| PICC | Construction machinery insurance | Includes liability insurance for persons on board | ¥6,000-¥12,000 |
| Pacific Insurance | Crane full insurance | Covers cargo liability insurance and natural disasters | ¥10,000-¥20,000 |
4. Summary
Crane insurance is an important means to ensure equipment safety and business stability. It is recommended that car owners choose an appropriate insurance package based on actual needs and regularly evaluate the rationality of the insurance plan. Through reasonable insurance configuration, operational risks can be minimized and the safety and economy of crane operations can be ensured.
If you need more detailed insurance plan consultation, it is recommended to contact a professional insurance broker for customized insurance according to the specific situation.
check the details
check the details
en
