随着我国基本设施建设的迅猛发展 ,科学技术的不断更新 ,工地建筑结构性损坏或倒塌事故的发生率及损失金额也在上升。如何避免和转移工程风险 ,已经成为国内投资者和建筑商首要关心的问题。保险公司在承保一项工程风险之前 ,对工程风险进行核保时 ,应重点审核以下几个方面 :对被保险人的审核 ;对自然灾害风险的审核 ;对工地地质状况的审核 ;对项目技术资料的审核 ;对工地周围环境的审核 ;对投保金额的审核 ;对工程进度的审核 ;对消防与保安设施的审核 With the rapid development of infrastructure construction in our country and the continual renewal of science and technology, the incidence and loss of structural damage or collapse of construction sites have also risen. How to avoid and transfer project risks has become the primary concern of domestic investors and builders. Before insuring a project risk, the insurance company should focus on the following aspects: checking the insured; examining the risk of natural disasters; auditing the geological conditions of the site; examining the project technology Review of data; audit of the environment around the site; audit of the insured amount; audit of the progress of the project; audit of fire service and security facilities