Desafios associados à implementação de seguro em projetos de construção na Nigéria
DOI:
https://doi.org/10.5935/jetia.v7i32.784Resumo
A natureza, a complexidade das atividades e os múltiplos stakeholders envolvidos na entrega das obras fazem com que a indústria da construção seja repleta de riscos e incertezas. Esses eventos incertos afetam principalmente o tempo, o custo e o desempenho da qualidade dos projetos de construção. A contratação de seguros é uma das principais ferramentas de gestão de risco para mitigar o impacto dos riscos do projeto de construção. Embora a implementação de seguro seja importante e amplamente utilizada nos países desenvolvidos, o mesmo não pode ser dito sobre os países em desenvolvimento devido a alguns desafios. O objetivo deste estudo é avaliar os desafios associados à implementação de seguro em projetos de construção na Nigéria. O questionário bem estruturado e a técnica de amostragem conveniente foram adotados na coleta de dados de clientes experientes, empreiteiros, profissionais da construção e especialistas em seguros em projetos educacionais executados de 2012 a 2016 na Universidade Federal de Tecnologia, Akure, Estado de Ondo. Com taxa de resposta de 75,71% e índice de confiabilidade de 0,897, os dados coletados foram analisados por meio de ferramentas estatísticas descritivas apropriadas e do teste de Kruskal-Wallis. O estudo que os principais desafios com a implementação de seguro em um projeto de construção são; Falta de confiança nos agentes de seguros, Nenhuma instrução estrita do governo, Linguagem da política complexa, Falha em administrar o sinistro do contratado a tempo e Custo crescente do prêmio. A sensibilização do cliente também é importante, pois é necessário continuar a construir confiança e segurança nos clientes atuais e potenciais das seguradoras. O governo deve fortalecer as políticas e instituições existentes para garantir que a implementação e o cumprimento sejam estritamente seguidos e monitorados.
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