The Impact of a National Insurance Database on Construction Contractors’ Safety Commitment

Abstract: Safety behavior of contractors is influenced by the presence of a national insurance database shared among insurance companies to adapt insurance premiums to the contractor’s safety records. In many developing countries, such a national database does not exist which may hinder safety performance. This study develops an agent based simulation framework that studies the impact of a national insurance database on a contractor’s safety performance. Results showed that the implementation of the database led to an overall increase in the average safety awareness within the market and created a stronger incentive for contractors to update their safety practices.