建筑幕墙保险探讨及应用价值分析
Technical Exploration and Application Value Analysis of Building Curtain Wall Insurance

建筑幕墙作为现代建筑的重要组成部分，承担着外观美化、隔热防水、抗风压等多重功能。然而，由于其特殊的结构和高风险性，幕墙的材料、设计、施工、运行维护的保险问题备受关注。本文深入研究建筑幕墙保险技术，详细阐述幕墙保险定义，包括材料、设计、施工、运营和维护保险等方面；分析其重要性及应用价值，如维护建筑安全、减少风险责任、保障业主利益等；探讨风险评估管理、保费定价、技术支持服务等主要问题并提出解决方案；展望未来发展趋势，强调精准评估、强化风险管理等方向。本研究成果有助于提升幕墙保险运行效果，为建筑行业可持续发展提供保障，相关研究受上海市科委课题资助。
As an important component of modern architecture, building curtain walls are responsible for multiple functions such as enhancing appearance, thermal insulation, waterproofing, and wind resistance. However, due to their unique structure and high-risk nature, the design, construction, operation, maintenance, and insurance issues of curtain walls have attracted much attention. This paper conducts an in-depth study on the insurance technology for building curtain walls, elaborating on the definition of curtain wall insurance, including aspects such as materials, design, construction, operation, and maintenance insurance. It analyzes its significance and application value, such as maintaining building safety, reducing risk liability, and safeguarding the interests of property owners. The paper also explores key issues such as risk assessment management, premium pricing, and technical support services, and proposes solutions. It looks forward to future development trends, emphasizing directions such as precise assessment and strengthened risk management. The research results of this paper are conducive to improving the operational effectiveness of curtain wall insurance and providing guarantees for the sustainable development of the construction industry. The related research is funded by the Shanghai Science and Technology Commission.