Study Of Coverage, Challenges, and Assessment of Contractors All Risk Insurance from the View of Experts, Iran

Abolfazl Khosravi, Shahram Mozaffari Ansari

Abstract


One of coping solutions with effects of natural and unnatural damages is insurance. Insurance industry as a service sector has a compensator and supportive role in economy of each country. Success of this industry is an incentive and stimulus for other industries leading to increase in efficiency of companies. In fact, it can be claimed that presence of supportive and efficient industries in economy scene because of considerable changes and competitions in this scope is one of the most important competitive advantage of countries. The purpose of this research is to study coverage, challenges and assessment of contractors all risk insurance (a sub-branch of engineering insurance) from the view of experts in Iran. This study is an applied and qualitative research in terms of objective through Delphi method conducting through library and field method in terms of data collection method. Statistical population of study included university professors, experts and managers of insurance scope. Statistical sample were equal to 15 members chosen through non-random and purposeful sampling method. The results of studies indicated some challenges and problems in field of market identification and product design coordinated with customer need and these problems are rooted in 1. Lack of required information in field of marketing and sale, 2. Lack of a competitive market in field insurance, and 3. Lack of expert force for risk assessment.

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