【中文版】

工程需要保险的原因有很多，其中一个重要的原因是降低风险。工程项目通常涉及到大量的资金投入和复杂的工艺技术，一旦出现意外事故，可能会造成巨大的经济损失和人员伤亡。通过购买保险，可以将风险转移给保险公司，从而避免因意外事故而导致的巨大损失。

此外，工程保险还可以提高企业的信誉和竞争力。在工程项目中，如果企业拥有完善的保险制度，可以在很大程度上提高企业的信誉度和竞争力。因为这意味着企业有足够的资金和技术支持，可以更好地保障项目的顺利进行和完成。

另外，工程保险也是法律法规的要求。在很多国家和地区，政府规定工程项目必须购买相应的保险，否则将无法获得许可证或营业执照。因此，购买保险是遵守法律法规和满足政府要求的重要措施之一。

总的来说，工程需要保险的原因包括降低风险、提高企业的信誉和竞争力以及遵守法律法规等。通过购买保险，可以有效地保障工程项目的顺利进行和完成，同时也可以保护企业和人员的利益。

【英文版】

Engineering requires insurance for many reasons, one of the most important reasons is to reduce risks. Engineering projects typically involve large capital investments and complex technological processes. In the event of an accident, it may cause huge economic losses and casualties. By purchasing insurance, the risk can be transferred to the insurance company, thereby avoiding huge losses caused by accidents.

In addition, engineering insurance can also improve the reputation and competitiveness of enterprises. In engineering projects, if a company has a comprehensive insurance system, it can greatly improve the company's reputation and competitiveness. This means that the company has sufficient funds and technical support to better ensure the smooth progress and completion of the project.

Moreover, engineering insurance is also a legal requirement. In many countries and regions, the government requires engineering projects to purchase the corresponding insurance, otherwise they will not be able to obtain a license or a business license. Therefore, purchasing insurance is an important measure to comply with laws and regulations and meet government requirements.

In summary, engineering requires insurance for reasons including reducing risks, improving the reputation and competitiveness of enterprises, and complying with laws and regulations. By purchasing insurance, engineering projects can be effectively guaranteed to proceed smoothly and be completed on time, while also protecting the interests of enterprises and personnel.