Insurance-Service-Oriented Maintenance Strategy of Rural Highway Slopes under Typhoon Disasters

Rural highway slopes are characterized by poor resistance to natural disasters and low insurance coverage, which poses a significant challenge for insurance companies. This paper aims to construct an insurance-oriented rural highway slope maintenance decision-making framework to optimize the slope maintenance strategy and effectively reduce the insurance company’s claim costs. Based on the expectation theory, a set of flexible calculation methods for slope maintenance cost and post-disaster reconstruction cost is proposed. Combined with the probability of slope disaster occurrence, the corresponding maintenance decision-making scheme is formulated. Through the analysis of practical engineering cases in China, the effectiveness of the proposed method is verified. The results show that, after calculating the maintenance strategy of 184 slopes, it is found that nine of the slopes are maintained before the typhoon disaster, and it is expected that claims costs can be saved of up to 44.5 million Chinese yuan. This study not only provides a new way to improve the income of insurance companies, but also provides theoretical support and practical guidance for disaster risk management of rural highway slopes.