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达信(Marsh):2025美国建筑专业承包商风险洞察报告(英文版)(17页).pdf

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1、Construction specialty contractors risk reportConstruction specialty contractors risk report2 234711121416Contents01020304050607Looking ahead to 2026Rethinking risk and insurance management through eight key questionsMoving from basic risk financing to strategic risk managementEffective risk managem

2、ent requires an analytical approachNavigating a wide range of risksCoverage-risk misalignments create insurability challengesForewordConstruction specialty contractors risk report3ForewordAs we head into 2026,the construction cycle is gaining momentum,with specialty contractors like you standing at

3、the epicenter of the next wave of projects.Success requires balancing record opportunity with ever-increasing complexity.With unprecedented investments in data centers,power generation,and infrastructure,the scale and speed of execution required to meet growing demand are pressured by multiple facto

4、rs,such as supply chain volatility,skilled labor scarcity,tightening contractual terms,and technological/cyber risks.From a workforce perspective,mental wellness and rising healthcare costs challenge specialty contractors ability to maintain a resilient talent strategy.As projects continue to increa

5、se in scale,the stakes have never been higher.One project delay,nuclear verdict,or crippling cyber breach,can erase margins and cripple reputations in the blink of an eye.Embedding risk management as a core competency is of paramount importance in 2026 and beyond.This report examines how several int

6、erconnected dynamics are changing risk profiles in the specialty sector.We provide eight key questions to contemplate for those moving from basic risk financing strategies to strategic risk management.On behalf of Marsh Construction,we are pleased to provide practical guidance and insights to suppor

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1. **风险与机遇并存**:2026年建筑行业项目规模扩大,但面临供应链波动、劳动力短缺、合同条款收紧及网络风险等挑战,需将风险管理作为核心能力。 2. **保险覆盖错配**:45%承包商未在合同谈判中引入风险合规团队,39%未培训谈判人员,可能导致保险成本低估(实际成本比面值高25%-30%)或覆盖缺口。 3. **四大关键挑战**:包括风险影响理解不足、OCIP/CCIP信用计算模糊、损失数据洞察不足、缺乏需求评估的保险采购。 4. **新兴风险凸显**:68%企业报告钓鱼攻击增加,52%遭遇勒索软件;健康保险成本预计2026年上涨6.5%,劳动力留存(58%企业视为首要挑战)与供应链压力加剧。 5. **战略转型建议**:通过数据量化风险、优化保险组合(如自保 captive)、投资风险缓释措施,并协调多方风险管理以应对数据中心项目等新兴领域需求。
风险如何量化? 保险成本怎么算? 新风险怎么应对?
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