Automatic liability insurance calculation device, automatic liability insurance calculation method, and automatic liability insurance calculation program

Abstract

The objective of this project is to reduce the burden on workers and refine costs regarding liability insurance through individual contracts. [Solution] In this embodiment, (1) for each project, (2) the special clauses recommended by the company are calculated based on the contract amount, (3) the insurance premiums arising from the contract amount and the special clauses are calculated, (4) the expected profit is calculated from the insurance premiums, and (5) if the contract amount or the special clauses are changed, the calculated insurance premiums change, making it possible to simulate final profits.

Description

[Technical Field]

[0001] The present invention relates to an automatic liability insurance calculation device, an automatic liability insurance calculation method, and an automatic liability insurance calculation program. [Background technology]

[0002] Patent Document 1 describes an insurance service method for shouldering the risks of software system development projects. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2004-318319 Summary of the Invention [Problem to be solved by the invention]

[0004] In the construction industry, the scale of each project is larger than in other industries. Because the gross profit of a project has a significant impact on the entire company, precise budgeting is a challenge for the industry. Furthermore, the contract amount is calculated from the budget generated by the project. From the perspective of presenting estimates to clients, quick and precise budget calculations are necessary.

[0005] Liability insurance for the construction industry should also be factored into your budget. Liability insurance for the construction industry covers the liability of contractors for accidents and incidents that occur at or during construction sites. The main types of liability insurance for the construction industry include third-party liability, workers' liability, property damage liability, and professional liability. Third-party liability compensates for damages suffered by third parties (such as pedestrians or neighbors) in accidents that occur during construction. Workers' liability compensates for injuries or deaths sustained by workers on construction sites. Property damage liability covers the repair or replacement costs of damage to other people's property caused by construction work. Professional liability compensates for damages caused by professionals such as architects and designers due to design or management errors.

[0006] There are two types of liability insurance contracts for the construction industry: annual blanket contracts and individual contracts. Annual blanket contracts are insurance contracts that cover multiple projects all at once throughout the year. Individual contracts are insurance contracts that are concluded for each construction project and cover construction-related risks. With individual contracts, the coverage and amount of guarantee can be adjusted to suit the characteristics of each construction project.

[0007] For liability insurance under individual contracts, the insurance company does not provide the premium before the contract is concluded, but unless the premium is included in the cost, it will not lead to a more precise budget. Also, calculating liability insurance for each project increases the burden on workers, but if the premium is set as a flat rate, it will not be possible to accurately simulate profits. Therefore, we are considering calculating the insurance premium from the contract amount and special provisions, in order to reduce the burden on workers and refine the cost.

[0008] The present invention has been made in consideration of the above-mentioned problems, and aims to provide an automatic liability insurance calculation device, an automatic liability insurance calculation method, and an automatic liability insurance calculation program that can reduce the burden on workers and refine costs regarding liability insurance through individual contracts. [Means for solving the problem]

[0009] In order to solve the above-mentioned problems and achieve the object, the automatic liability insurance calculation device of the present invention is characterized by comprising a contract amount setting unit that sets the contract amount based on budget information other than insurance premiums, an insurance premium calculation unit that calculates the insurance premium from the contract amount and special clause information regarding special clauses, a total budget amount calculation unit that calculates the total budget amount from the budget other than the insurance premiums and the insurance premiums, a planned profit calculation unit that calculates the planned profit from the total budget amount, and a presentation unit that presents the planned profit.

[0010] In addition, in the automatic liability insurance calculation device of the present invention, the insurance premium calculation unit may recalculate and calculate the insurance premium after the change when the contract amount or the special clause information changes, the total budget calculation unit may calculate the total budget amount after the change from the budget other than the insurance premium and the insurance premium after the change, the planned profit calculation unit may calculate the planned profit after the change from the total budget amount after the change, and the presentation unit may present the planned profit after the change.

[0011] In addition, the automatic liability insurance calculation device of the present invention may further include a master setting unit that sets a damages compensation master that specifies special clause information and insurance premium rates according to the contract amount, and the insurance premium calculation unit may obtain special clause information according to the contract amount from the damages compensation master based on the contract amount, and calculate the insurance premium from the contract amount, the special clause information, and the insurance premium rate.

[0012] In the automatic liability insurance calculation device according to the present invention, the master setting unit may set whether or not each special clause is included as special clause information according to the contract amount.

[0013] In addition, in the automatic liability insurance calculation device of the present invention, the master setting unit may further set a liability option premium master that specifies special provisions and the insurance premium rates for the special provisions, and the insurance premium calculation unit may obtain the insurance premium rate for the special provisions corresponding to the contract amount from the liability option premium master based on the special provision information, and calculate the insurance premium from the contract amount, the insurance premium rate, and the insurance premium rate for the special provisions.

[0014] In addition, the automatic liability insurance calculation device of the present invention may further include a reality verification unit that compares the budgeted amount with the actual costs incurred and confirms whether or not an actual liability insurance claim has been made, and the master setting unit may reset the damage compensation master and the damage compensation option premium rate master depending on the comparison result between the budgeted amount and the costs and whether or not a liability insurance claim has been made.

[0015] In addition, the automatic liability insurance calculation device of the present invention may further include a budget registration screen setting unit that sets the contract amount, special clause information, and budget amount for each category on a budget registration screen, and the insurance premium calculation unit may recalculate to calculate the changed insurance premium when the special clause information set on the budget registration screen is changed, the total budget calculation unit may calculate the changed total budget amount from the budget other than the insurance premium and the changed insurance premium, the planned profit calculation unit may calculate the changed planned profit from the changed total budget amount, and the presentation unit may present the changed planned profit on the budget registration screen.

[0016] In addition, the automatic liability insurance calculation method of the present invention is characterized by including a contract amount setting step in which a contract amount setting unit sets a contract amount based on budget information other than insurance premiums; an insurance premium calculation step in which an insurance premium calculation unit calculates an insurance premium from the contract amount and special clause information regarding special clauses; a total amount calculation step in which a total budget amount calculation unit calculates a total budget amount from the budget other than the insurance premiums and the insurance premiums; a planned profit calculation step in which a planned profit calculation unit calculates a planned profit from the total budget amount; and a presentation step in which a presentation unit presents the planned profit.

[0017] In addition, the automatic liability insurance calculation program of the present invention is intended to cause an information processing device to function as a contract amount setting means for setting a contract amount based on budget information other than insurance premiums, an insurance premium calculation means for calculating an insurance premium from the contract amount and special clause information regarding special clauses, a total amount calculation means for calculating a total budget amount from a budget other than the insurance premiums and the insurance premiums, a planned profit calculation means for calculating a planned profit from the total budget amount, and a presentation means for presenting the planned profit. [Effects of the Invention]

[0018] The present invention has the effect of reducing the burden on workers and achieving more precise cost calculations with respect to liability insurance under individual contracts. [Brief explanation of the drawings]

[0019] [Figure 1] FIG. 1 is a block diagram showing an example of the configuration of an automatic liability insurance calculation device. [Figure 2] FIG. 2 is a diagram showing an example of the liability master, the liability option premium rate master, and the budget data. [Figure 3] FIG. 3 is a diagram showing an example of the budget registration screen. [Figure 4] FIG. 4 is a diagram illustrating an example of a flow of the automatic liability insurance calculation process. [Figure 5] FIG. 5 is a diagram showing an example of the settings on the budget registration screen based on the liability master. [Figure 6] FIG. 6 is a diagram showing an example of the settings on the budget registration screen based on the liability master and the liability option premium master. [Figure 7] FIG. 7 is a diagram showing an example of a pattern for changing the settings of the special provision. [Figure 8] FIG. 8 is a diagram showing an example of resetting of special agreement information in the liability master. [Figure 9] FIG. 9 is a diagram showing an example of resetting the insurance premium rate in the liability master and the liability option premium rate master. DETAILED DESCRIPTION OF THE INVENTION

[0020] Hereinafter, an embodiment of an automatic liability insurance calculation device, an automatic liability insurance calculation method, and an automatic liability insurance calculation program according to the present invention will be described in detail with reference to the drawings. Note that the present invention is not limited to the present embodiment.

[0021] [1. Configuration] An example of the configuration of the automatic liability insurance calculation device 100 according to this embodiment will be described with reference to Fig. 1 etc. Fig. 1 is a block diagram showing an example of the configuration of the automatic liability insurance calculation device 100.

[0022] The automatic liability insurance calculation device 100 is constructed based on a commercially available desktop personal computer. Note that the automatic liability insurance calculation device 100 is not limited to being constructed based on a stationary information processing device such as a desktop personal computer, but may also be constructed based on a portable information processing device such as a commercially available notebook personal computer, PDA (Personal Digital Assistant), smartphone, or tablet personal computer.

[0023] The automatic liability insurance calculation device 100 comprises a control unit 102, a communication interface unit 104, a memory unit 106, and an input / output interface unit 108. The units comprised in the automatic liability insurance calculation device 100 are connected to each other so as to be able to communicate with each other via any communication path.

[0024] The communication interface unit 104 communicably connects the automatic liability insurance calculation device 100 to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line. The communication interface unit 104 has a function of communicating data with other devices via the communication line. Here, the network 300 has a function of connecting the automatic liability insurance calculation device 100 and the server 200 so that they can communicate with each other, and is, for example, the Internet or a LAN (Local Area Network). The data stored in the memory unit 106 may also be stored in the server 200, for example.

[0025] An input device 112 and an output device 114 (corresponding to the output unit of the present invention) are connected to the input / output interface unit 108. The output device 114 may be a monitor (including a home television), a speaker, or a printer. The input device 112 may be a keyboard, a mouse, a microphone, or a monitor that functions as a pointing device in cooperation with a mouse. In the following, the output device 114 may be referred to as the monitor 114, and the input device 112 may be referred to as the keyboard 112 or the mouse 112.

[0026] Various databases, tables, files, etc. are stored in the storage unit 106. Computer programs that work in conjunction with the OS (Operating System) to issue commands to the CPU (Central Processing Unit) to perform various processes are recorded in the storage unit 106. The storage unit 106 can be, for example, a memory device such as RAM (Random Access Memory) or ROM (Read Only Memory), a fixed disk device such as a hard disk, a flexible disk, an optical disk, etc.

[0027] The storage unit 106 includes a liability master 106a, a liability option premium master 106b, budget data 106c, a budget registration screen 106d, etc. Hereinafter, with reference to FIG. 2, information stored in the liability master 106a, the liability option premium master 106b, and the budget data 106c will be described. FIG. 2 is a diagram showing an example of the liability master 106a, the liability option premium master 106b, and the budget data 106c. Furthermore, with reference to FIG. 3, information stored in the budget registration screen 106d will be described. FIG. 3 is a diagram showing an example of the budget registration screen 106d.

[0028] FIG. 2 shows an example of information stored in the liability master 106a. The liability master 106a stores information such as the contract base amount, the construction delay damage special clause (initial value), the borrowed property damage compensation special clause (initial value), and insurance premium rate. The contract base amount has upper limits set to amounts such as "¥1,000,000," "¥5,000,000," and "¥10,000,000." The construction delay damage special clause (initial value) and the borrowed property damage compensation special clause (initial value) are each set to either "0: no compensation" or "1: compensation." The insurance premium rate is set to values ​​such as "0.1" and "0.2." The settings of the liability master 106a in FIG. 2 have the following meanings.

[0029] If the contract base amount is 1,000,000 yen or less, we recommend that you do not provide either the construction delay damage clause (default value) or the borrowed property damage compensation clause (default value) (0: no compensation), and estimate the insurance premium budget to be 10% of the contract amount (insurance premium rate: 0.1).

[0030] If the contract base amount is between ¥1,000,001 and ¥5,000,000, we recommend that both the construction delay damage clause (initial value) and the borrowed property damage compensation clause (initial value) be included (1: compensated), and the insurance premium budget amount is estimated to be 10% of the contract amount (insurance premium rate: 0.1).

[0031] If the contract base amount is between ¥5,000,001 and ¥10,000,000, we recommend that both the construction delay damage clause (initial value) and the borrowed property damage compensation clause (initial value) be included (1: compensated), and the insurance premium budget is estimated at 20% of the contract amount (insurance premium rate: 0.2).

[0032] FIG. 2 also shows an example of information stored in the liability option premium master 106b. The liability option premium master 106b stores information such as the liability option, the contract base amount, and the insurance premium rate. The liability option has special provisions such as a "special provision for damages due to construction delays" and a "special provision for compensation for damage to borrowed property." The contract base amount has upper limits set to amounts such as "1,000,000 yen," "5,000,000 yen," and "10,000,000 yen." The insurance premium rate has values ​​such as "0.01" and "0.02." The settings of the liability option premium master 106b in FIG. 2 have the following meanings.

[0033] If the contract base amount is 1,000,000 yen or less, the construction delay damage clause and the borrowed property damage compensation clause will be calculated as 1% of the contract amount (insurance premium rate: 0.01).

[0034] If the contract base amount is between ¥1,000,001 and ¥5,000,000, the construction delay damage clause is estimated to be 1% of the contract amount (insurance premium rate: 0.01), and the borrowed property damage compensation clause is estimated to be 2% of the contract amount (insurance premium rate: 0.02).

[0035] If the contract base amount is between ¥5,000,001 and ¥10,000,000, the construction delay damage clause and the borrowed property damage compensation clause are estimated at 2% of the contract amount (insurance premium rate: 0.02).

[0036] FIG. 2 also shows an example of information stored in the budget data 106c. The budget data 106c stores information about the budget for a project other than insurance premiums, and stores information such as the project number, cost item category name, and budget amount. A number such as "P001" is set as the project number. Category names such as material costs, labor costs, subcontract costs, expenses (excluding insurance premiums), and total budget amount are set as the cost item category name. Amounts such as "¥300,000," "¥100,000," and "¥1,000,000" are set as the budget amount. The settings in the budget data 106c in FIG. 2 have the following meanings.

[0037] For the construction project with project number P001, the budget amounts for materials, labor, and subcontracting costs are each assumed to be ¥300,000, the budget amount for expenses (excluding insurance premiums) is assumed to be ¥100,000, and the total budget amount for all of these is assumed to be ¥1,000,000.

[0038] FIG. 3 shows an example of the items displayed on the budget registration screen 106d and the information stored therein. The budget registration screen 106d displays items such as the project number, contract amount, special clause for damages due to construction delays, and special clause for compensation for damage to borrowed property, along with input fields for each item. A number such as "P001" is entered in the input field for the project number. An amount such as "¥1,500,000" is entered in the input field for the contract amount. The method for calculating the contract amount will be described later. In addition, either "0: No compensation" or "1: Compensation" is entered in the input fields for the special clause for damages due to construction delays and special clause for compensation for damage to borrowed property.

[0039] The budget registration screen 106d also displays project cost item classifications, the budget amounts for each classification, and their respective input fields. In the budget registration screen setting unit 102d, the input fields for project cost item classifications are entered with classifications such as material costs, labor costs, subcontract costs, and expenses, which are the same as the cost item classification names in the budget data 106c other than insurance premiums. In the input fields for the budget amounts for each classification, amounts such as "¥300,000" are entered as the budget amounts for material costs, labor costs, and subcontract costs, and "¥100,000" as the budget amount for expenses. Furthermore, the budget registration screen setting unit 102d enters the classification for "insurance premiums" as a project cost item classification. In the input field for the budget amount for insurance premiums, insurance premiums calculated based on the contract amount, etc. are entered. The method for calculating insurance premiums will be described later.

[0040] Furthermore, the budget registration screen 106d displays the total budget amount and the expected profit. The total budget amount displays the sum of the budget amounts for material costs, labor costs, subcontract costs, and expenses, and the budget amount for insurance premiums. The expected profit, calculated based on the total budget amount, is input. The method for calculating the expected profit will be described later.

[0041] In practice, the input method into the input fields of the budget registration screen 106d is not limited to direct input, but may be selection. Alternatively, initial values ​​may be automatically set in the input fields based on the information stored in the liability master 106a, the liability option premium master 106b, and the budget data 106c, and the results calculated from each piece of information.

[0042] Returning to Fig. 1, the control unit 102 is a CPU or the like that performs overall control of the automatic liability insurance calculation device 100. The control unit 102 has an internal memory for storing control programs such as an OS, programs that define various processing procedures, required data, etc., and executes various information processing operations based on these stored programs.

[0043] In terms of functional concept, the control unit 102 includes a master setting unit 102a, a budget data creation unit 102b, a contract amount setting unit 102c, a budget registration screen setting unit 102d (including the insurance premium calculation unit of the present invention), a calculation processing unit 102e (including the total budget amount calculation unit, expected profit calculation unit and presentation unit of the present invention), and an actual situation verification unit 102f.

[0044] The master setting unit 102a sets the liability master 106a and the liability option premium master 106b, and also updates and resets the liability master 106a and the liability option premium master 106b.

[0045] The budget data creation unit 102b creates budget data 106c other than insurance premiums, and also corrects and updates the budget data 106c.

[0046] The contract amount setting unit 102c sets the contract amount based on budget data 106c other than insurance premiums.

[0047] The budget registration screen setting unit 102d acquires special contract information (presence or absence of compensation, premium rate, etc.) related to the special contract from the liability master 106a and the liability option premium rate master 106b based on the set contract amount, calculates the insurance premium from the contract amount and the special contract information, and sets the calculated insurance premium as the initial value in the insurance premium budget amount field on the budget registration screen 106d. The calculation method for the contract amount and insurance premium will be described later. The budget registration screen setting unit 102d also processes input and settings on the budget registration screen 106d, and updates and resets input values ​​on the budget registration screen 106d. The budget registration screen setting unit 102d may also have a function to modify and update the screen layout of the budget registration screen 106d.

[0048] The calculation processing unit 102e calculates the total budget amount from the budget amounts of each category. The calculation processing unit 102e also calculates the expected profit from the total budget amount. The method for calculating the expected profit will be described later. The calculation processing unit 102e then lists (displays) the calculated total budget amount and expected profit on the budget registration screen 106d. Note that, in practice, the calculation processing unit 102e may be included in the budget registration screen setting unit 102d. In other words, the calculation processing unit 102e may be part of the functions of the budget registration screen setting unit 102d.

[0049] The actuality verification unit 102f compares the budgeted amount with the actual cost incurred, and also checks whether or not a claim for liability insurance has actually been made (whether or not a claim has been made).

[0050] [2. Specific examples of processing] Hereinafter, the automatic liability insurance calculation process according to the present invention will be described using a specific example with reference to Fig. 4. Fig. 4 is a diagram showing an example of the flow of the automatic liability insurance calculation process.

[0051] The master setting unit 102a sets the liability master 106a and the liability option premium master 106b (step S101). At this time, the master setting unit 102a sets the insurance amount premium and special provisions based on interactions with the insurance company and completed construction work. For example, the master setting unit 102a receives input for setting the liability master 106a and the liability option premium master 106b from the liability insurance premium management department. Alternatively, the master setting unit 102a automatically sets the liability master 106a and the liability option premium master 106b.

[0052] The budget data creation unit 102b creates budget data 106c other than insurance premiums (step S102). For example, when the sales department receives an inquiry for construction work from a client, the sales department inputs information about the budget other than insurance premiums together with the technical department. The budget data creation unit 102b creates budget data 106c other than insurance premiums based on the input information.

[0053] The contract amount setting unit 102c sets the contract amount based on the budget data 106c other than the insurance premium (step S103). For example, the sales department and the engineering department calculate and input the contract amount from the total budget amount of the budget data 106c. The contract amount setting unit 102c sets the input contract amount. Alternatively, the contract amount setting unit 102c calculates and sets the contract amount from the total budget amount of the budget data 106c based on a predetermined rule or using a model that has learned the pair of the total budget amount and the contract amount. The model is, for example, an AI (Artificial Intelligence) such as GPT (Generative Pre-trained Transformer). GPT is a text generation AI and a language model capable of generating sentences using natural language processing. In this embodiment, the contract amount is set to "¥1,500,000" for a total budget amount of "¥1,000,000."

[0054] The budget registration screen setting unit 102d acquires special contract information (such as whether or not compensation is provided and the premium rate) related to the special contract from the liability master 106a and the liability option premium master 106b based on the set contract amount, calculates the insurance premium from the contract amount and the special contract information, and sets the calculated insurance premium as an initial value in the insurance premium budget amount field on the budget registration screen 106d (step S104). For example, the sales department and the engineering department acquire special contract information from the liability master 106a and the liability option premium master 106b based on the contract amount, and calculate and input the insurance premium from the contract amount and the special contract information. The budget registration screen setting unit 102d sets the input insurance premium as an initial value in the insurance premium budget amount field on the budget registration screen 106d. Alternatively, the budget registration screen setting unit 102d calculates the insurance premium from the contract amount and special contract information based on predetermined rules or using a model that has learned a formula for calculating the insurance premium from the contract amount and special contract information, and sets it as an initial value in the insurance premium budget amount column of the budget registration screen 106d.

[0055] In this embodiment, the contract amount is "1,500,000 yen," which corresponds to the case where the contract base amount in the liability master 106a is between 1,000,001 yen and 5,000,000 yen. Therefore, the budget registration screen setting unit 102d recommends that both the construction delay damage special clause (default value) and the borrowed property damage compensation special clause (default value) be in place (1: compensated), and the budget amount for the insurance premium is set to 10% of the contract amount (insurance premium rate: 0.1).

[0056] At this time, as shown in Figure 5, the budget registration screen setting unit 102d sets "1,500,000 yen" in the contract amount column on the budget registration screen 106d, and sets "1: Compensate" in the construction delay damage special clause column and the borrowed property damage compensation special clause column based on the contents of the liability master 106a. Figure 5 is a diagram showing an example of the setting of the budget registration screen based on the liability master 106a.

[0057] The budget registration screen 106d also displays project cost item categories and the budget amounts for each category. The budget registration screen setting unit 102d sets the project cost item categories to material costs, labor costs, subcontract costs, and expenses, the same as the cost item category names in the budget data 106c other than insurance premiums, and sets the budget amounts for material costs, labor costs, and subcontract costs to "300,000 yen" and the budget amount for expenses to "100,000 yen." In other words, the "material costs," "labor costs," "subcontract costs," and "expenses" set as project cost item categories on the budget registration screen 106d and their respective budget amounts correspond to the budget data 106c other than insurance premiums. In this case, the budget registration screen setting unit 102d may read the budget data 106c and set the project cost item categories to "material costs," "labor costs," "subcontract costs," and "expenses" on the budget registration screen 106d and set the respective budget amounts. Furthermore, the budget registration screen setting unit 102d sets the category of "insurance premium" in the project cost item category, and sets the calculated insurance premium as the initial value for the budget amount of insurance premium.

[0058] Here, since the contract amount is "1,500,000 yen," the contract base amount in the liability option premium master 106b corresponds to between 1,000,001 yen and 5,000,000 yen. Therefore, the budget registration screen setting unit 102d sets the construction delay damage special clause to 1% of the contract amount (insurance premium rate: 0.01), and the borrowed property damage compensation special clause to 2% of the contract amount (insurance premium rate: 0.02).

[0059] Based on the above results, the budget registration screen setting unit 102d applies the formula Insurance premium = Contract amount × (Insurance premium rate + Construction delay loss special clause_Insurance premium rate + Borrowed property damage compensation special clause_Insurance premium rate) to calculate the contract amount "¥1,500,000" × Insurance premium rate "0.1 + 0.01 + 0.02" = Insurance premium "¥195,000", and sets this as the initial value in the insurance premium budget amount column of the budget registration screen 106d, as shown in Figure 6. Figure 6 is a diagram showing an example of the setting of the budget registration screen based on the liability master 106a and the liability option premium rate master 106b.

[0060] The calculation processing unit 102e calculates the total budget amount by adding up the budget amounts for material costs, labor costs, outsourcing costs, expenses, and insurance premiums, calculates the expected profit from the total budget amount, and displays the calculated total budget amount and expected profit on the budget registration screen 106d (step S105).

[0061] In this embodiment, the calculation processing unit 102e applies the formula total budget amount = material cost budget + outsourcing cost budget + labor cost budget + expense budget + insurance premium budget to calculate material cost budget "¥300,000" + labor cost budget "¥300,000" + outsourcing cost budget "¥300,000" + expense budget "¥100,000" + insurance premium budget "¥195,000" = total budget amount "¥1,195,000".

[0062] Furthermore, the calculation processing unit 102e applies the formula "expected profit = contract amount - total budget amount" to calculate contract amount "1,500,000 yen" - total budget amount "1,195,000 yen" = expected profit "305,000 yen".

[0063] Then, as shown in FIG. 6, the calculation processing unit 102e sets the total budget amount "¥1,195,000" and the expected profit "¥305,000" on the budget registration screen 106d.

[0064] When the contract amount or special agreement information is changed, the calculation processing unit 102e recalculates the expected profit to calculate the changed expected profit (step S106). For example, the sales department and the engineering department change the contract amount or special agreement information based on the expected profit and simulate profits. Alternatively, the calculation processing unit 102e automatically changes at least one of the contract amount and the special agreement information based on predetermined rules or using a model that has learned a formula for calculating the expected profit from the contract amount and special agreement information so that the expected profit is within an acceptable range (above a threshold), and recalculates the expected profit to calculate the changed expected profit. Then, the budget registration screen setting unit 102d posts (displays) the changed expected profit on the budget registration screen 106d.

[0065] At this time, the calculation processing unit 102e recalculates the expected profit by increasing or decreasing the contract amount, or by removing at least one of the construction delay damage clause and the borrowed property damage compensation clause, and calculates the revised expected profit.

[0066] Patterns for changing the settings of special provisions will be described with reference to Fig. 7. Fig. 7 is a diagram showing an example of patterns for changing the settings of special provisions.

[0067] For example, as shown in Figure 7, the calculation processing unit 102e changes the settings of the special clauses on the budget registration screen 106d in response to settings input from the sales department and the technical department, or by using AI such as GPT, and sets both the construction delay damage special clause and the rental property damage compensation special clause to "0: No compensation" even if the contract amount is "1,500,000 yen."

[0068] In this case, the budget registration screen setting unit 102d does not need to take into account the special clause (liability option), so there is no need to refer to the liability option premium master 106b, and the insurance premium is calculated taking into account only the insurance premium rate in the liability master 106a.

[0069] That is, the budget registration screen setting unit 102d applies the formula insurance premium = contract amount × insurance premium rate to calculate contract amount "¥1,500,000" × insurance premium rate "0.1" = insurance premium "¥150,000", and sets this in the insurance premium budget amount column of the budget registration screen 106d, as shown in Figure 7.

[0070] The calculation processing unit 102e applies the formula total budget amount = material cost budget + outsourcing cost budget + labor cost budget + expense budget + insurance premium budget to calculate material cost budget "¥300,000" + labor cost budget "¥300,000" + outsourcing cost budget "¥300,000" + expense budget "¥100,000" + insurance premium budget "¥150,000" = total budget amount "¥1,150,000".

[0071] Furthermore, the calculation processing unit 102e applies the formula "expected profit = contract amount - total budget amount" to calculate contract amount "1,500,000 yen" - total budget amount "1,150,000 yen" = expected profit "350,000 yen".

[0072] Then, as shown in FIG. 7, the calculation processing unit 102e resets the total budget amount to "1,150,000 yen" and the expected profit to "350,000 yen" on the budget registration screen 106d.

[0073] After the project is completed, the reality verification unit 102f compares the budgeted amount with the actual costs incurred to check for agreement or discrepancy (step S107). For example, the reality verification unit 102f notifies the accounting department of the budgeted amount before the project and the costs actually incurred after the project. The accounting department compares the budgeted amount with the actual costs incurred to check for agreement or discrepancy (the degree of agreement or discrepancy), and notifies the reality verification unit 102f of the results. Alternatively, the reality verification unit 102f may use AI such as GPT to compare the budgeted amount with the actual costs incurred to check for agreement or discrepancy (the degree of agreement or discrepancy). At this time, the reality verification unit 102f may score the degree of agreement or discrepancy. For example, the reality verification unit 102f may calculate the similarity (or discrepancy) between the budgeted amount and the actual costs incurred. Then, the reality verifying unit 102f may estimate that the two are similar (or diverged) when the similarity (or divergence) is equal to or greater than a threshold value.

[0074] Furthermore, the reality verification unit 102f checks whether or not a claim for liability insurance has actually been made after the project (presence or absence of a claim) (step S108). For example, the reality verification unit 102f receives a notification from the accounting department as to whether or not a claim for liability insurance has actually been made (presence or absence of a claim). Alternatively, when a claim for liability insurance has actually been made, the reality verification unit 102f automatically detects the claim.

[0075] Then, the master setting unit 102a resets the liability master 106a and the liability option premium master 106b based on the results of whether the budget amount matches or differs from the cost and whether a liability insurance claim has been filed, leading to refinement (step S109). That is, the master setting unit 102a feeds back the actual costs incurred and the probability of a liability insurance claim to the liability master 106a and the liability option premium master 106b. For example, the master setting unit 102a receives input from the liability insurance premium management department requesting resetting of the liability master 106a and the liability option premium master 106b. Alternatively, the master setting unit 102a automatically resets the liability master 106a and the liability option premium master 106b.

[0076] The resetting of the liability master 106a and the liability option premium rate master 106b will be described with reference to Figures 8 and 9. Figure 8 is a diagram showing an example of resetting the special contract information in the liability master 106a. Figure 9 is a diagram showing an example of resetting the insurance premium rates in the liability master 106a and the liability option premium rate master 106b.

[0077] For example, if construction delays occur frequently in construction work with a contract amount of 1,000,000 yen or less, resulting in many claims for late fees, as shown in Figure 8, the master setting unit 102a changes (resets) the "Construction Delay Damage Special Clause (initial value)" in the liability master 106a when the contract base amount is 1,000,000 yen or less from "0: No compensation" to "1: Compensation."

[0078] At this time, if the number of construction delays exceeds a threshold, or if the number of late fee claims or the amount of claims exceeds a threshold, the master setting unit 102a may automatically change (reset) the "Construction Delay Damage Special Clause (initial value)" in the liability master 106a from "0: No compensation" to "1: Compensation."

[0079] Furthermore, when an insurance company notifies the user of an increase in insurance premiums, the master setting unit 102a changes the insurance premiums in the liability master 106a and the liability option premium master 106b, as shown in Fig. 9. In the example of Fig. 9, the master setting unit 102a changes the insurance premiums in the liability master 106a from "0.1" to "0.15" and from "0.2" to "0.25", respectively. The master setting unit 102a also changes the insurance premiums in the liability option premium master 106b from "0.01" to "0.015" and from "0.02" to "0.025", respectively.

[0080] In this way, in this embodiment, the special clause recommended by the company is calculated from the contract amount. Also, the insurance premiums arising from the contract amount and the special clauses are calculated. Then, the expected profit is calculated from the insurance premiums. Here, if the contract amount or the special clauses are changed, the calculated insurance premiums will change. This makes it possible to simulate the final profit.

[0081] In this embodiment, the mechanism for automatically calculating insurance premiums linked to each project targets liability insurance for the construction industry, but there are liability insurance policies for industries other than the construction industry. Therefore, this embodiment can be applied to any industry where it is possible to make a liability insurance contract for each project.

[0082] [3. Contribution to the United Nations-led Sustainable Development Goals (SDGs)] This embodiment can contribute to improving business efficiency and promoting appropriate management decisions by companies, thereby contributing to the achievement of SDGs Goals 8 and 9.

[0083] Furthermore, this embodiment can contribute to reducing waste and promoting paperless and electronic systems, thereby contributing to the achievement of SDGs Goals 12, 13, and 15.

[0084] Furthermore, this embodiment can contribute to strengthening control and governance, which can contribute to the achievement of Goal 16 of the SDGs.

[0085] 4. Other Embodiments The present invention may be implemented in various different embodiments other than those described above within the scope of the technical concept set forth in the claims.

[0086] For example, among the processes described in the embodiments, all or part of the processes described as being performed automatically can be performed manually, or all or part of the processes described as being performed manually can be performed automatically using known methods.

[0087] Furthermore, the processing procedures, control procedures, specific names, information including parameters such as registered data and search conditions for each process, screen examples, and database configurations shown in this specification and drawings can be changed as desired unless otherwise specified.

[0088] Furthermore, with regard to the automatic liability insurance calculation device 100, the components shown in the figures are functional concepts, and do not necessarily have to be physically configured as shown in the figures.

[0089] For example, all or any part of the processing functions of the automatic liability insurance calculation device 100, particularly the processing functions performed by the control unit, may be implemented by a CPU and a program interpreted and executed by the CPU, or may be implemented as hardware using wired logic. The program is recorded on a non-transitory computer-readable recording medium containing programmed instructions for causing the information processing device to execute the processes described in this embodiment, and is mechanically read by the automatic liability insurance calculation device 100 as needed. That is, a computer program for providing instructions to the CPU in cooperation with the OS and performing various processes is recorded in a storage unit such as a ROM or HDD (Hard Disk Drive). This computer program is executed by being loaded into RAM and cooperates with the CPU to form the control unit.

[0090] In addition, this computer program may be stored in an application program server connected to the automatic liability insurance calculation device 100 via any network, and all or part of it may be downloaded as needed.

[0091] Furthermore, the program for executing the processes described in this embodiment may be stored in a non-transitory computer-readable recording medium or configured as a program product. Here, the term "recording medium" includes any "portable physical medium" such as a memory card, a Universal Serial Bus (USB) memory, a Secure Digital (SD) card, a flexible disk, a magneto-optical disk, a ROM, an Erasable Programmable Read Only Memory (EPROM), an Electrically Erasable and Programmable Read Only Memory (EEPROM (registered trademark)), a Compact Disk Read Only Memory (CD-ROM), a Magneto-Optical disk (MO), a Digital Versatile Disk (DVD), and a Blu-ray (registered trademark) disc.

[0092] Furthermore, a "program" is a data processing method written in any language or description method, regardless of the format, such as source code or binary code. Note that a "program" is not necessarily limited to a single structure, but also includes a structure that is distributed as multiple modules or libraries, or a structure that achieves its function by cooperating with a separate program, such as an OS. Note that the specific configuration and reading procedure for reading a recording medium in each device shown in the embodiments, as well as the installation procedure after reading, can use well-known configurations and procedures.

[0093] The various databases stored in the memory unit are storage means such as memory devices such as RAM and ROM, fixed disk devices such as hard disks, flexible disks, and optical disks, and store various programs, tables, databases, and web page files used for various processes and providing websites.

[0094] The automatic liability insurance calculation device 100 may be configured as an information processing device such as a known personal computer or workstation, or may be configured as the information processing device to which any peripheral device is connected. The automatic liability insurance calculation device 100 may be realized by installing software (including programs, data, etc.) that causes the device to perform the processing described in this embodiment.

[0095] Furthermore, the specific form of distribution and integration of the devices is not limited to that shown in the drawings, and all or part of them can be configured by functionally or physically distributing and integrating them in any unit depending on various additions or functional loads. In other words, the above-described embodiments can be implemented in any combination, or embodiments can be implemented selectively. [Industrial Applicability]

[0096] The present invention is useful in industries such as the construction industry, where liability insurance is purchased for each project. [Explanation of symbols]

[0097] 100 Automatic liability insurance calculation device 102 Control section 102a Master setting section 102b Budget Data Creation Department 102c Contract Price Setting Department 102d Budget registration screen setting section 102e Calculation processing unit 102f Fact-finding Department 104 Communication interface unit 106 Storage section 106a Liability Master 106b Liability Option Rate Master 106c Budget Data 106d Budget registration screen 108 Input / Output Interface Section 112 Input Device 114 Output Device 200 servers 300 Network

Claims

1. a contract price setting unit that sets a contract price based on budget information other than insurance premiums; an insurance premium calculation unit that calculates an insurance premium from the contract amount and special contract information; a total budget calculation unit that calculates a total budget amount from the insurance premium and a budget other than the insurance premium; a planned profit calculation unit that calculates a planned profit from the total budget amount; a presentation unit that presents the expected profit; An automatic liability insurance calculation device comprising:

2. The insurance premium calculation unit recalculates and calculates the insurance premium after the change when the contract amount or the special contract information changes, the total budget calculation unit calculates a total budget amount after the change from the budget other than the insurance premium and the insurance premium after the change; The planned profit calculation unit calculates the planned profit after the change from the total budget amount after the change, The presentation unit presents the expected profit after the fluctuation.

2. The automatic liability insurance calculation device according to claim 1.

3. A master setting unit is further provided for setting a damages compensation master that specifies special contract information and insurance premium rates according to the contract amount, The insurance premium calculation unit acquires special contract information corresponding to the contract amount from the damage compensation master based on the contract amount, and calculates an insurance premium from the contract amount, the special contract information, and the insurance premium rate.

2. The automatic liability insurance calculation device according to claim 1.

4. The master setting unit sets whether or not there is an individual special contract as special contract information according to the contract amount.

4. The automatic liability insurance calculation device according to claim 3.

5. The master setting unit further sets a damage compensation option premium master that specifies the special provisions and the premium rates of the special provisions, The insurance premium calculation unit acquires the insurance premium rate of the special contract corresponding to the contract amount from the damage compensation option premium rate master based on the special contract information, and calculates the insurance premium from the contract amount, the insurance premium rate, and the special contract insurance premium rate.

5. The automatic liability insurance calculation device according to claim 4.

6. It also has a fact-finding department that compares the budgeted amount with the actual costs incurred and checks whether there are any actual liability insurance claims. The master setting unit resets the damage compensation master and the damage compensation option premium master according to the result of comparing the budget amount with the cost and whether or not a claim for liability insurance has been made.

6. The automatic liability insurance calculation device according to claim 5.

7. A budget registration screen setting unit is further provided for setting the contract amount, special agreement information, and budget amount for each category on the budget registration screen, the insurance premium calculation unit, when the special contract information set on the budget registration screen is changed, recalculates and calculates the changed insurance premium; the total budget calculation unit calculates the total budget amount after the change from the budget other than the insurance premium and the insurance premium after the change; the planned profit calculation unit calculates a changed planned profit from the changed total budget amount, The presentation unit presents the revised planned profit on the budget registration screen.

2. The automatic liability insurance calculation device according to claim 1.

8. a contract price setting step in which a contract price setting unit sets the contract price based on budget information other than the insurance premium; an insurance premium calculation step in which an insurance premium calculation unit calculates an insurance premium from the contract amount and special contract information; a total amount calculation step in which a total budget calculation unit calculates a total budget amount from the budget other than the insurance premium and the insurance premium; a planned profit calculation step in which a planned profit calculation unit calculates a planned profit from the total budget amount; a presentation step in which a presentation unit presents the expected profit; 1. A method for automatically calculating liability insurance, comprising:

9. An information processing device a contract price setting means for setting a contract price based on budget information other than insurance premiums; insurance premium calculation means for calculating an insurance premium from the contract amount and special contract information; a total amount calculation means for calculating a total budget amount from a budget other than the insurance premium and the insurance premium; a planned profit calculation means for calculating a planned profit from the total budget amount; a presentation means for presenting the expected profit; An automatic liability insurance calculation program to function as a

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