在分析导流工程风险因素、综合风险率和工程保险期限的基础上，研究导流工程失效后淹没基坑造成损失的次数及其分布规律，提出导流系统失效后的总损失服从非齐次复合Poisson过程，建立基于导流工程保险损失的聚合风险模型，给出施工导流工程保险费用的厘定方法及其数学表达，为水利水电工程保险费的厘定提供理论方法。

Based on analyzing risk factors of diversion project, synthetic risk rate and engineering insurance period, the frequency and distribution law of loss were researched on the grounds that foundation pit is submerged after diversion project ceases to be effective. And then, the standpoint that these total losses are subject to non homogeneous compound Poisson process is put forward. Furthermore, the collective risk model of the total losses about engineering insurance is established on the basis of construction diversion project risk. Ultimately, insurance ratemaking method for construction engineering risk and its mathematical expression is presented, which provides theoretical method for the insurance ratemaking of hydropower engineering to some extent.