保险是一种经济行为,是投保人与承保人之间通过保险合同建立的对被保险人的有限保障机制。工程保险是针对工程项目在建设过程中可能出现的意外事故而造成的物质损失和依法应对第三者的人身伤亡或财产损失承担的经济赔偿责任提供保障的一种综合性保险。在水电建设工程中,业主主要是通过工程保险,与承包人、供货商、服务商签订合同和留足风险费用等措施,合理地转移和消化工程建设过程中的风险。 Insurance is an economic act and is a limited guarantee mechanism for the insured established by the policyholder and the insurer through the insurance contract. Engineering insurance is a comprehensive insurance that provides protection against the material losses caused by accidents that may occur in the construction process of the project and the economic liability that should be dealt with according to law in respect of the personal injury or death suffered by a third party or the property damage. In the hydropower construction project, the owners reasonably transfer and digest the risks in the process of project construction through such measures as engineering insurance, signing contracts with contractors, suppliers and service providers and leaving enough risk and expenses.