Abstract:Aiming at the difficult problems of calculating the insurance rate of the large-scale project which exist in the insurance field, this paper proposes a viewpoint that puts the risk of adjustment stage ahead and determines the premium reasonably at the insurance stage to avoid the problems which happen at the adjustment stage; and also this paper proposes a new method to calculate the engineering insurance premium rate. Combined with the construction cost, the method determines the rate adjustment coefficient based on engineering's basic rates and according to the particularity of the project, and then calculates the reasonable premium. At last, this paper verifies the feasibility of this method with an example.