Desafíos asociados con la implementación de seguros en proyectos de construcción en Nigeria
DOI:
https://doi.org/10.5935/jetia.v7i32.784Resumen
La naturaleza, la complejidad de las actividades y las múltiples partes interesadas involucradas en la entrega de proyectos de construcción han hecho que la industria de la construcción esté llena de riesgos e incertidumbres. Estos eventos inciertos impactan principalmente en el tiempo, el costo y el desempeño de la calidad de los proyectos de construcción. La adopción de seguros es una de las herramientas clave de gestión de riesgos para mitigar el impacto de los riesgos de los proyectos de construcción. Si bien la implementación de seguros es importante y se usa ampliamente en los países desarrollados, no se puede decir lo mismo de los países en desarrollo debido a algunos desafíos. El propósito de este estudio es evaluar los desafíos asociados con la implementación de seguros en proyectos de construcción en Nigeria. El cuestionario bien estructurado y la técnica de muestreo conveniente se adoptaron en la recopilación de datos de clientes experimentados, contratistas, profesionales de la construcción y expertos en seguros sobre proyectos educativos ejecutados de 2012 a 2016 en la Universidad Federal de Tecnología, Akure, estado de Ondo. Con una tasa de respuesta del 75,71% y un índice de fiabilidad de 0,897, los datos recopilados se analizaron mediante herramientas estadísticas descriptivas adecuadas y la prueba de Kruskal-Wallis. El estudio de que los principales desafíos con la implementación de seguros en un proyecto de construcción son; Falta de confianza en los agentes de seguros, ausencia de instrucciones estrictas por parte del gobierno, lenguaje complejo de la póliza, incumplimiento en la administración de la reclamación del contratista a tiempo y aumento del costo de la prima. La sensibilización del cliente también es importante, ya que es necesario seguir generando confianza en los clientes actuales y potenciales de las compañías de seguros. El gobierno debe fortalecer las políticas e instituciones existentes para garantizar que la implementación y el cumplimiento se sigan y supervisen estrictamente.
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