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Dissertations / Theses on the topic 'Fire insurance Fire insurance'
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1
Ogis, Sinem [Verfasser]. "The Influence of Marine Insurance Law on the Legal Development of Life and Fire Insurance in England. / Sinem Ogis." Berlin : Duncker & Humblot, 2019. http://d-nb.info/1238487971/34.
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2
Nocar, Tomáš. "Pojistné podvody v oblasti nemovitostí - úmyslně zakládané požáry." Master's thesis, Vysoké učení technické v Brně. Ústav soudního inženýrství, 2015. http://www.nusl.cz/ntk/nusl-232876.
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The diploma thesis deals with insurance fraud and issues which comes with it. The thesis is divided into several units. The first part is dedicated to insurance fraud in general, the insurance industry in the past and in the present and legislation in the past and in the present in the area of today´s Czech Republic. The thesis continue with analyzing of fraudulent behavior according to perpetrator and type of insurance. The next is statistical evaluation. In the part “Detection of insurance fraud” are summarized current methods of detection of the insurance frauds used by insurance companies in our market. There were also analyzed insurance frauds according to perpetrator, economic sector and insurance company. In the end is presented the case study of purpose action, suggestions suitable for the fight with insurance fraud and there is also offered as another technical possibility of help not only in the fight with insurance fraud - mathematical modeling of fires.
3
Abadi, Mostafa Shams Esfand. "Analysis of new techniques for risk aggregation and dependence modelling." Master's thesis, Instituto Superior de Economia e Gestão, 2015. http://hdl.handle.net/10400.5/9239.
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Mestrado em Ciências ActuariaisIn risk aggregation we are interested in the distribution of the sum of dependent risks. The objective of risk aggregation and dependence modeling is to model adequately dependent insurance portfolios in order to evaluate the overall risk exposure. This master thesis investigates some practical aspects of modeling risk aggregation and dependency. We give an introduction to copula-based hierarchical aggregation model through reordering algorithm. This approach can be easily applicable in high dimensions and consists of a tree structure, bivariate copulas, and marginal distributions. This method is empirically illustrated using data set of Danish Fire Insurance Data. These data were collected at Copenhagen Reinsurance over the period 1980 to 1990 and every total claim has been divided into three risks consisting of a building loss, a loss of contents and a loss of profits caused by the same fire.
4
Cuoghi, Ricardo de Scarabello. "Aspectos de análise de risco das estruturas de concreto em situação de incêndio." Universidade de São Paulo, 2006. http://www.teses.usp.br/teses/disponiveis/3/3146/tde-02042008-180545/.
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O risco de incêndio e seus prejuízos às vidas humanas e ao patrimônio tornaram-se cada vez maiores com o desenvolvimento urbano e a evolução da construção civil. Assim, os meios de proteção contra o incêndio tornam-se cada vez mais necessários, tanto os meios ativos (sprinklers, brigada de incêndio, etc), quanto os meios passivos (proteção térmica de estruturas, etc). Em situação de incêndio, a proteção à vida e ao patrimônio deve ser garantida pelos meios de proteção das edificações evitando-se o colapso de parte ou toda estrutura. A eventualidade do sinistro não deve ser desprezada sendo que, melhorar o desempenho das estruturas visando a iminência de um incêndio é sinônimo de economia em um aspecto abrangente: proteção à vida, ao patrimônio e à atividade econômica desenvolvida no estabelecimento. Neste trabalho, realiza-se uma apresentação do tema comportamento das estruturas de concreto em situação de incêndio, abordando aspectos de análise de risco incêndio, seguro contra incêndio, o fenômeno incêndio e suas variáveis, meios de proteção térmica das estruturas e aspectos arquitetônicos e estruturais que influenciam na probabilidade de ocorrência de um incêndio. No plano experimental, analisa-se a susceptibilidade ao fogo do concreto, através da aferição da perda de resistência mecânica de alguns traços submetidos a curvas de temperatura. Realiza-se também a análise de um caso real de incêndio sob o ponto de vista da descrição do incêndio, seus danos às estruturas de concreto e metodologia de recuperação das estruturas afetadas.The fire risk and its damage to the human being lifes and to the assets had become each time greater with the urban development and the evolution of civil construction. Thus, the ways of fire protection become each time more necessary, as much the direct assets (fire sprinklers, brigade, etc), as the indirect assets (structural thermal insullation, etc). In fire situation, the protection to the life and the assets must be guaranteed by the ways of protection inside buildings, preventing high costs of structural recovery and, mainly, the immediate collapse of all or part of the structure. The ocurrence of a fire accident does not have to be rejected and improving the performance of the structures aiming at the imminence of a fire is synonymous of economy in an including aspect: protection to the life, protection to the assets and to the activities in the building. In this work, a general overview of the behavior of concrete structures in fire situation is presented, approaching aspects of fire risk analysis, fire insurance, the fire phenomenon and its interferences, methods for thermal insullation and structural and architectural aspects that have influence in the probability of a fire occurrence. In the experimental plan, the susceptibility of hardened concrete to the fire is analysed, through the measurement of its mechanical resistance loss submitted to the high temperatures. The analysis of a real fire case in a building is also presented, highlighting the description of the fire, its damages to the hardened concrete structures and the development of a methodology of recovering the affected structures.
5
Parsons, Christopher. "An essay on liability insurance and accident compensation and five papers on liability insurance." Thesis, City University London, 2001. http://openaccess.city.ac.uk/8402/.
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This essay is intended to be broad in scope. Therefore, inevitably, it touches on some issues which are not explored in detail in the articles listed above and which, for reasons of space, cannot be given the detailed attention they deserve here. There is much scope for further research. ' The essay is structured in six parts. Part 1 traces the historical development of liability insurance as an outgrowth of accident insurance, a broad miscellaneous class with its own origins in the revolutionary changes in industry, trade, and transport that began as the eighteenth century drew to a close. Part 2 analyses the problems that began to emerge once liability insurance became a class of insurance in its own right. This section shows, in particular, how liability insurers came to assume long-tail risks, exposures of a kind that were always regarded as uninsurable in the context of firstparty insurance. Part 3 looks at how insurers have responded to these difficulties and examines the technical problems they face in attempting to design contracts that satisfy both the security requirements of policyholders and their own need to price liability risks accurately and reduce their uncertainties to manageable proportions. Part 4 examines behavioural aspects of liability insurance and the issue of moral hazard: the possibility that the granting of insurance cover might promote opportunistic behaviour or modify human actions in a way that adversely affects the interests of insurers, or society as whole, or both. It is argued that this phenomenon takes on extra dimensions in the context of liability insurance, creating additional layers of uncertainty for insurers and greater potential instability for liability insurance systems. Part 5 examines a connected issue: the relationship between liability insurance and liability rules, especially those of tort law. Here we consider the extent to which the existence or availability of insurance impacts upon judicial and legislative policy, and the extent to which it should properly do so. The essay concludes, in Part 6, with a summary of the issues explored and an assessment of possible future developments in liability insurance markets. As part of this assessment the perceptions of the major stakeholders in the systems that employ liability insurance are considered, including liability insurers, the Government, the general public and the lawmakers. It is observed that these perceptions - as to the proper role of liability insurance, and what can be achieved effectively through its use - differ widely. The author concludes that all would benefit from a better informed and, perhaps, more realistic assessment of what liability insurance can do, and what it cannot. If the system is to remain stable, there is a need for a greater understanding of the problems of liability insurance, and the limits of its effectiveness, amongst all stakeholders in the tort/liability insurance system, including the lawmakers, the Government, the public at large and insurers themselves.
6
Graf, Andreas. "Agricultural Insurance for Developing Countries." St. Gallen, 2009. http://www.biblio.unisg.ch/org/biblio/edoc.nsf/wwwDisplayIdentifier/02604684002/$FILE/02604684002.pdf.
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7
FENG, ZHIJIAN. "REINSURANCE AND FIRM PERFORMANCE IN THE U.S. PROPERTY-LIABILITY INSURANCE INDUSTRY." Diss., Temple University Libraries, 2013. http://cdm16002.contentdm.oclc.org/cdm/ref/collection/p245801coll10/id/216519.
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Business Administration/Risk Management and InsurancePh.D.
This dissertation investigates the relationships between reinsurance activities and primary insurers' financial performance in U.S. property-liability insurance market from several perspectives. The first essay investigates the relationship between ceding insurer performance and the affiliation, domicile, and authorization of its counterparties. Specifically, we provide empirical evidence that ceding insurer financial performance is positively related to the use of affiliated reinsurance, the use of foreign reinsurance, and the use of affiliated reinsurance that is ceded to the low-tax, lightly-regulated domiciled counterparties; and negatively related to the use of unauthorized reinsurance. These results are consistent with the cost of information asymmetry theory. The second essay investigates reinsurance counterparty relationships in U.S. property-liability insurance. Firm-specific characteristics determinants of counterparty relationships are examined. We also analyze the relationship between firm performance and reinsurance counterparty relationships. We find that concentration in reinsurance counterparties, especially in unaffiliated counterparties, is adversely related to insurer performance due to higher information asymmetry. On the other hand, relationship with foreign counterparties is positive related to performance, suggesting the foreign reinsurers may have a favorable position in terms of tax treatment, specialized service, among other factors.
Temple University--Theses
8
Shim, Jeung Bo. "The Effects of Merger and Acquisition on the Price of Insurance and Firm Performance in the U.S. Property-Liability Insurance Industry." Digital Archive @ GSU, 2007. http://digitalarchive.gsu.edu/rmi_diss/17.
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Although the economic motivation and efficiency effects of mergers and acquisitions (M & As) in the insurance industry have been discussed, none of the prior studies have addressed the relationship between M & A activity and insurance price change. In addition, little is known about the effect of diversification on the differences in insurance price across lines. The main objective of the dissertation is to provide evidence on these issues. A secondary objective is to investigate the relationship between M & A activity and insurer’s efficiency and financial performance. We also examine various firm characteristics that affect insurance price differences across lines and that influence insurer’s efficiency and performance. We conduct fixed effects model regressions to test our hypotheses using unbalanced panel data over the sample period 1989-2004. The empirical tests indicate that the price of insurance for newly formed insurers decreases following the M & As and diversified insurers charge lower prices than less diversified firms. Our result is consistent with one possible explanation that acquiring insurers reduce overall underwriting risks and more efficiently manage the frictional costs of capital through geographic and/or product line diversification by engaging in the M & As and therefore gain a competitive advantage in pricing. Our analysis also reveals a number of other interesting results. We find that insurance price is positively related to marginal capital allocation and inversely related to firm insolvency put value, suggesting the importance of incorporating insolvency risk and marginal capital costs in pricing lines of insurance business. We also find that the price of insurance is inversely related to cost efficiency, consistent with the efficiency structure hypothesis. However, the market share variable is not significant, implying that market power that can arise from M & A activity may not be a big concern for insurance regulators. In the analysis of efficiency and financial performance, we provide evidence that acquirers’ overall cost and revenue efficiency and financial performances decrease following M & As. We also find that more focused insurers outperform the diversified insurers.
9
Mueller, Andreas. "Der Markt für Insurance-linked Bonds." St. Gallen, 2007. http://www.biblio.unisg.ch/org/biblio/edoc.nsf/wwwDisplayIdentifier/98207756002/$FILE/98207756002.pdf.
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10
Zhang, Yanqing. "Reinsurance counterparty analysis in life insurance industry: the impact on firm performance/mergers and acquisitions in global insurance industry." Diss., Temple University Libraries, 2016. http://cdm16002.contentdm.oclc.org/cdm/ref/collection/p245801coll10/id/405398.
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Business Administration/Risk Management and InsurancePh.D.
The first part of the dissertation aims to determine whether and how variances in reinsurance relationships impact insurers' financial performance during the sample period of 2002-2012. Such impact on insurers' financial performance is measured by accounting measurements of ROA and ROE and by the efficiency scores (cost, revenue, and profit) estimated using data envelopment analysis (DEA). This essay analyzes how the usage of captive reinsurance affects life insurers’ firm performance using multivariate regression model. Results show that firm performance is negatively related to captive reinsurance arrangements. The second essay analyzes the value effects of mergers and acquisitions (M&As) in the global insurance industry by conducting an event study of M&A transactions that occurred during the period of 1990-2014, including two M&A waves before the financial crisis and the M&A activities after it. Our results show that (1) M&As are value-enhancing for both acquirers and targets over the whole sample period; (2) for acquirers, within-border transactions are more likely to be value-enhancing, while for targets, both cross-border and within-border transactions are value-enhancing; and (3) for acquirers, the cross-industry M&As are more likely to be value-enhancing, while for targets both cross- and within- border M&As are value-enhancing.
Temple University--Theses
11
Xu, Chi. "An empirical study of firm-level social pension insurance in Jilin Province." Thesis, University of Macau, 2009. http://umaclib3.umac.mo/record=b1951110.
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12
Merkley, Brett J. "Sources and Pathways of Lead Contamination in Urban Community Gardens in Toledo, Ohio." Bowling Green State University / OhioLINK, 2019. http://rave.ohiolink.edu/etdc/view?acc_num=bgsu1555621213052896.
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13
Bazlen, Rouven. "Insurance-linked Securities Überblick und Ansätze zur Bewertung /." St. Gallen, 2008. http://www.biblio.unisg.ch/org/biblio/edoc.nsf/wwwDisplayIdentifier/02606416002/$FILE/02606416002.pdf.
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Mayer-Heinisch, Severin. "Multi-Vendor Outsourcing Strategies in the Insurance Industry." St. Gallen, 2008. http://www.biblio.unisg.ch/org/biblio/edoc.nsf/wwwDisplayIdentifier/02607414002/$FILE/02607414002.pdf.
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15
Rüdlinger, Marc. "Modifikationen der Constant Proportion Portfolio Insurance Empirische Analyse /." St. Gallen, 2008. http://www.biblio.unisg.ch/org/biblio/edoc.nsf/wwwDisplayIdentifier/05603600001/$FILE/05603600001.pdf.
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16
Balkanli, Aysegul. "Liquidity Risk Situation Of Turkish Insurance Industry And Firm Specific Factors Affecting Liquidity." Master's thesis, METU, 2010. http://etd.lib.metu.edu.tr/upload/2/12611774/index.pdf.
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Recent changes in the insurance regulations and laws in Turkey lead insurance industry to gain further importance and turn the insurance industry one of the rising sectors in financial markets. However, while these favorable events for the insurance industry takes place in Turkish markets, on the global markets the economic crisis initiated with the collapse of US sub-prime mortgage markets deepened and the credit crunch arose in the aftermath. In the times of credit stress having good liquidity base is important for the firms. In recent economic crisis, liquidity related troubles resulted in bailouts or takeovers of giant financial companies. In order to prevent negative consequences of inadequate liquidity and to sustain financial stability, having appropriate level of liquidity is especially crucial for financial companies like insurers. In this thesis it is aimed to analyze the Turkish insurance sector&rsquos liquidity condition for the period between 2002 and 2008 with the help of liquidity ratios. Considering the nature of the business, a distinction is made between &ldquo
non-life&rdquo
and &ldquo
life&rdquo
insurance companies while assessing their liquidity ratios. Furthermore, panel data regression analysis is conducted to determine the firm specific factors affecting the liquidity decisions of non-life insurers operating in Turkey.
17
Russell, Brandon. "How to protect your firm against rogue traders." Thesis, Stellenbosch : Stellenbosch University, 2004. http://hdl.handle.net/10019.1/72017.
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Thesis (MBA)--Stellenbosch University, 2004.ENGLISH ABSTRACT: Many companies have suffered large financial losses as a result of the actions of rogue traders; traders taking unauthorised positions in financial markets - specifically derivatives markets. Effective operational controls must form the foundation of managing the risk of derivatives trading. A large number of institutions, specifically those directly involved in the trading of derivatives, and regulatory bodies have developed controls and procedures which firms need to put in place to help manage the risk of rogue trading. Many of the controls firms can implement are "common sense" however, there are a number of formal procedures that have been developed. These risk management practices need to be implemented and overseen by individuals who have the necessary skills and experience in dealing with the risks associated with trading in derivative instruments. Many firms consider these risk management policies and procedures to be sufficient to address the risk of rogue trading. However. many firms have come to the realisation that no matter what controls and procedures they have in place, a well-motivated rogue trader will always be able to "outfox" the system. This has Jed some firms to consider appropriate risk transference measures in addition to risk management policies and procedures. Two such measures are insurance and outsourcing. At this stage only a limited number of firms are using insuring themselves against rogue trading or outsourcing their treasury functions. Although this number is increasing, companies should not dismiss insurance and outsourcing as effective tools to combat rogue trading, without conducting thorough cost benefit analysis. This paper offers guidelines to both the common sense and formal measures that are currently employed by firms to combat rogue trading, as well as a few "fanatical" options. As rogue traders are continuously pushing the boundaries, we should be thinking out-of-the box too.
AFRIKAANSE OPSOMMING: Talle maatskappye Iy groot finansiele verliese as gevolg van die aksies van slenterhandelaars; handelaars wat ongemagtigde posisies in finansiele markte neem - veral in die handel van afgeleide instrumente. Effektiewe operasionele kontrole moet die basis vorm om die risiko van handel in afgeleide instrumente te beheer. 'n Groot aantal instellings, spesifiek die wat direk betrokke is by handel in afgeleide instrumente, en regulerende liggame het kontrolemaatreels en prosedures ontwikkel wat maatskappye in plek moet plaas om die risiko van ongemagtigde handel te help bestuur. Verskeie van hierdie kontroles wat maatskappye kan implementeer is algemene kennis, maar 'n paar formele prosedures is ook ontwikkel. Hierdie risikobestuursaksies behoort ge·implementeer en bestuur te word deur individue wat die nodige vaardighede en ondervinding het om die risiko's te bestuur wat geassosieer word met handel in afgeleide instrumente. Verskeie maatskappye beskou hierdie risikobestuursbeleidsriglyne en prosedures as voldoende om die risiko van ongemagtigde handel aan te spreek. Verskeie maatskappye het egter tot die besef gekom dat ongeag watter kontroles en prosedures in plek is, 'n goedgemotiveerde slenterhandelaar altyd 'n manier sal vind om die stelsel te omseil. Dit het daartoe gelei dat maatskappye bo en behalwe risikobestuursbeleid en prosedures, geskikte stappe oorweeg om risiko oor te dra, waarvan versekering en uitkontraktering twee insluit. In hierdie stadium gebruik slegs 'n beperkte aantal maatskappye versekering teen ongemagtigde handel of uitkontraktering van hul tesourie. Alhoewel hierdie getal besig is om toe te neem, moet maatskappye nie versekering of uitkontraktering as effektiewe teenmaatreels teen ongemagtigde handel uitsluit voordat hulle nie deeglike koste-voordeel analises gedoen het nie. Hierdie tesis bied riglyne vir beide die algemene kennis en formele maatreels wat tans deur maatskappye gebruik word om ongemagtigde handel te keer, maar sluit ook 'n paar "fanatiese" voorstelle in. Aangesien slenterhandelaars aanhoudend besig is om die grense te oorskry, moet ons ook verby die voor-die-hand-liggende kyk.
18
Abdoush, Tony. "Corporate governance, firm performance and efficiency : three empirical analyses of the UK insurance industry." Thesis, University of Southampton, 2017. https://eprints.soton.ac.uk/405084/.
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The purpose of this thesis is to investigate the impact of corporate governance and distribution strategies on firm performance, following the regulatory changes since 1980s, the technological advances, and the customer preferences’ volatility in the UK insurance industry, in order to explore how insurance companies survive in such a changeable environment. The aim of the first core chapter is to examine the impact of various corporate governance arrangements on the performance of UK life and non-life insurance firms, both listed and non-listed, during the period 2004-2013. The main findings show that longer tenure length and an extra bonus ratio with higher ownership ratio for executives, but a shorter tenure length for independent non?executives, improves firm performance in insurance companies. Furthermore, the findings for the sub-samples indicate the association between corporate governance and firm performance in non?life and listed insurance companies, during the financial crisis of (2007?2009), and even more afterwards, as well as during the soft phases of the underwriting insurance cycle, rather than the hard phases. The objective of the second core chapter is to assess whether the newly built UK Corporate Governance Index (UKCGI), which has been developed by the researcher, indicates any association between governance structure and firm performance in the UK life and non-life insurance companies, both listed and non?listed, during the period 2004?2013. Moreover, this study investigates the mediating role of agency costs on the relationship between corporate governance and the performance of UK insurance companies. The main findings indicate a significant association between the new corporate governance index (UKCGI) and firm performance, and that the governance?performance relationship is fully mediated by agency costs, suggesting that corporate governance does help to reduce agency costs, which in turn leads to improved firm performance. Finally, since the choice of distribution channels can determine the success of an insurer and significantly affect its profitability in related markets, the third core chapter compares the efficiency of distribution strategies, whether single or multi-channel, that life and non-life insurance companies, both stock and mutual, implemented in the UK during the period 2004-2013. It then examines the extent to which the choice of a specific distribution strategy, namely independent agents as a complementary corporate governance system, improve firm efficiency, by reducing agency conflicts between policyholders and managers and shareholders. The main findings show that multi?channel insurers have higher scale efficiency compared to other single strategies, in which they have almost reached their optimal size to operate efficiently and utilise their strengths. In the second stage, the association between corporate governance, estimated by the researcher’s newly built corporate governance index (UKCGI), and firm efficiency, measured by the data envelopment analysis (DEA), has been fully confirmed in stock companies. On the other hand, the results also show that independent agency strategy does play a vital role as a complementary corporate governance system, with strong evidence for stock companies, but weaker evidence for mutuals.
19
Boakye, Mary-Ann. "Corporate Governance and Firm Efficiency in The Long-Term Insurance Market in South Africa." Thesis, University of Cape Town, 2018. http://hdl.handle.net/11427/28405.
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The financial crises experienced worldwide have contributed to the rising importance of corporate governance. South Africa is unique in that it has strong corporate governance structures and as a result, it would prove useful to assess the effects of these corporate governance structures on critical sectors such as the long-term insurance industry, which is the largest insurance industry in Africa. The objective of this study is to examine the effect of corporate governance mechanisms and firm efficiency in the South African long-term insurance industry using data on 73 long-term insurers from 2007 to 2014 in a two-stage analysis. In the first stage, firm efficiency is estimated using the data envelopment analysis (DEA) bootstrapping technique of Simar and Wilson (2007), which corrects for biases associated with non-parametric techniques. In the second stage analysis, the truncated bootstrapping regression technique is employed to examine the effect of corporate governance on the estimated efficiency scores. The corporate governance variables used were board size, board independence, audit committee size, CEO tenure and audit independence, while controlling for firm size, reinsurance usage and leverage. The findings indicate that long-term insurers in South Africa operated at approximately 21% of their optimal capacity which suggests high levels of inefficiency in the provision of life insurance services. The results of the second-stage analysis identify board size, non-executive directorship, CEO tenure and audit independence as the significant corporate governance indicators that impact on efficiency over the study period. In addition, firm size, reinsurance usage and leverage were also observed to be significantly related to the estimated efficiency scores. The findings suggest that non-executive directors are not as effective as expected, which may be due to a myriad of reasons, such as under-representation on sub-committees, a lack of relevant skills, experience or financial expertise. Insurers should use more stringent criteria to screen potential non-executive directors and provide training and regular updates to adequately capacitate the non-executive directors with the necessary skills and knowledge. The positive relationship between CEO tenure and efficiency suggests that frequent CEO rotation is not advisable. Most of the corporate governance indicators have a negative effect on efficiency, which is not the intended effect. This is an indication that corporate governance measures should not be viii enforced on insurers as a 'one size fits all’ measure, rather, a focus should be placed on corporate governance measures that have the intended impact, such as audit committee independence.
20
Van, Beulen Ilse. "Investigating recurring impediments to effective IT continuity management in a South African insurance firm." Master's thesis, University of Cape Town, 2010. http://hdl.handle.net/11427/5651.
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Includes abstract.Includes bibliographical references.
The research was undertaken in Company X, one of South Africa’s leading financial services groups. Despite a strong Business Continuity ethos inherent in the Company, an analysis of several tests over two years highlighted the fact that they experienced recurring issues within the IT Continuity sphere. The study was borne out of the need to understand why the same issues were encountered year after year, what factors contributed to these issues, and what measures were required to mitigate these issues.
21
Schläpfer, Jörg. "Exploitation vs. Exploration Organization Development in the European Insurance Industry /." St. Gallen, 2006. http://www.biblio.unisg.ch/org/biblio/edoc.nsf/wwwDisplayIdentifier/03601648001/$FILE/03601648001.pdf.
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Chiaravalloti, Giuseppe. "Performance of Capital-Protected Funds." St. Gallen, 2008. http://www.biblio.unisg.ch/org/biblio/edoc.nsf/wwwDisplayIdentifier/02603405002/$FILE/02603405002.pdf.
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23
Du, Wen. "Management von Katastrophenrisiken CAT-Bonds und ihre Anwendungsmöglichkeiten in China /." St. Gallen, 2008. http://www.biblio.unisg.ch/org/biblio/edoc.nsf/wwwDisplayIdentifier/03604477002/$FILE/03604477002.pdf.
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24
Kroksgård, Andreas. "Regional Variance in Sickness Insurance Usage." Thesis, Jönköping University, JIBS, Economics, 2009. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-10115.
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Which factors best explain the regional variation in sick-listing and early retirement? Data from the Swedish Social Insurance Agency is fitted against variables describing different regional characteristics that have been linked to sickness insurance consumption in the literature. Results, in line with earlier empirical investigation, suggest that particularly the employment rate, the populations‟ age, and its wealth are strong determinants of regional insurance usage. Two further factors, though less discussed in the literature, appear to have some relevance as well: A high share of large workplaces is found to predict higher rates of early retirement, while a large share of foreign-born predict lower sick-listing rates. Both effects have been found before, though the first one perhaps not in Swedish cross section analysis and the latter does not appear to be well understood in the literature. A tentative explanation for it is given here.
25
Gertsch, Stefan. "Shortfall Risks of Pension Funds Advantages and Disadvantages of Portfolio Insurance /." St. Gallen, 2005. http://www.biblio.unisg.ch/org/biblio/edoc.nsf/wwwDisplayIdentifier/01650381001/$FILE/01650381001.pdf.
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26
Wang, Chiung-Wei, and 王瓊偉. "A Study of Subrogation in Fire Insurance." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/01456651872268424751.
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碩士淡江大學
保險學系保險經營碩士在職專班
95
In recent years, many fire accidents happened and caused tremendous losses, even exceeding tens of billion dollars. Hence, people spread losses by way of purchasing insurance. Nevertheless, there are plenty of reasons to bring about a fire. If it is a man-made loss, the insurer is able to exercise subrogation against any liable third party, after settling the claim with the insured. The disputes and the relevant problems resulting from the subrogation are always a focus of Law of Insurance, which involve Law of Insurance, insurance claim, Principle of Indemnity and insurance contracts. The research further studies the subrogation applications as well as the relations between the hazards and loss indemnity operated in domestic and foreign insurance markets. Through some fire case studies and the analysis of the disputes, they clearly indicate that the subrogation stipulated in the Law of Insurance is a kind of “transfer of Obligation” of Civil Code. At the same time, the insureds are not allowed to waive the subrogation and the insurers as well as reinsurers can also exercise the subrogation. Furthermore, right of ownership is a new regulation of property insurance polcies. The research also can be a guideline whether the insurer is responsible for the claim in respect of the subrogation issue in practical operation.
27
CHU, Li-chen, and 朱麗真. "studying in insuring agreements of fire insurance." Thesis, 1998. http://ndltd.ncl.edu.tw/handle/38048773749809089560.
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CHEN, LI-HUA, and 陳俐樺. "Market Discipline of Fire Insurance in Taiwan." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/3a24rs.
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碩士逢甲大學
風險管理與保險學系
105
The aim of this study is to discuss market discipline of Fire Insurance in Taiwan. We want to analyze that whether consumers have sensitivity to default risk of Non-Life insurance companies. In this research, we use random effect to analyze Panel Data between 2007 and 2016 from Taiwan companies. To investigate the effects of complaint rates, financial rating grades and financial rating changes in fire premium growth rate. The result indicates that financial rating upgrades have significant positive relationship with fire premium growth rate. Fnancial rating downgrades have no significant negative effects on fire premium growth rates. We consider that unless the financial rating of the Non-Life insurance companies is drastically reduced, there is no significant ability for consumers to reduce the demand for the insurence goods at the same time. We conclude with fire insurance of Taiwan have market discipline to a certain extent, not obvious .
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Lin, Huan-Hung, and 林宦宏. "The Study of Fire Insurance Crime in Taiwan." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/81133640794486689282.
Full textAbstract:
碩士淡江大學
保險學系保險經營碩士在職專班
97
Insurance crimes arising out of the profit-driven arsons have trended toward conglomeration and organization, which not only seriously threaten public safety and social security, but also severely disturb the sound operations of the non-life insurance industry and the equity and justice of the society. For the purpose of effectively preventing any arson-related insurance crimes, this research analyzes the crime motivations, criminal acts and incident characteristics, and then proposes feasibly preventive measures in relation to underwriting and claim aspects. Moreover, the research draws the following conclusions and recommendations by way of the actual claim cases along with the court judgments occurred in the past. 1. For the insurance companies: (1)emphasize underwriting quality; (2)strengthen the expertise of in-house underwriters and claim adjusters in the area of arson-related insurance crimes; (3)establish a reporting mechanism in respect of the fire insurance underwriting and claims; (4)enhance the Cooperative Defending System among issuance companies, the Fire Departments, police agencies, and prosecutors. 2. For the supervisory authority: (1) enhance the operational functions of the Insurance Anti-fraud Institute of the R.O.C.; (2) strengthen the propagation with respect to the insurance crime prevention; and (3) provide seminars on the subject of fire insurance crimes. 3. For the Fire Departments, police agencies, and prosecutors: (1) raise the incentive of combating crimes; (2) impose heavier penalties on the convicts in respect of the fire insurance crimes; (3) revise the fire protection regulations in order to facilitate evidence collection by the insurance companies; (4) establish a dedicated agency in charge of arson investigations, and (5) announce the news in relation to the suspected arsons with deliberation.
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Hsieh, Hsiu-Ling, and 謝岫玲. "A Study on Fire Insurance Products in Differential During the Insurance Premium Deregulation." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/69035678041825769861.
Full textAbstract:
碩士淡江大學
保險學系保險經營碩士在職專班
101
Since 2002 implementing the Tariff Liberalization to date, the market’s competition is more incandescence and let the Insurance Industry to find their positioning and the way on how to survive in aggressively. Learned from the foreign experience of the Tariff Liberalization, the local markets will be facing the ordeal – survival of the fittest or eliminate through competition. And the Merger & Acquisition will be a trend in the Insurance Industry in future. This major research in this thesis will focus on the development of examination of Insurance Products and the supervision of regulation; how to obtain the diversity during the process of Tariff Liberalization for Insurance companies; the tendency of Fire Insurance products in future; to analysis the unreasonable situation to the underwriting factors which causing from the change of underwriting factors of Fire Insurance products. Finally, we will provide the recommendation in the following points – supervision, management and necessary. The points are: A.Supervision: The strength of supervision should be loosened the restrictions in appropriate; to reinforce the broker’s supervision; to evaluate the tariff structure in periodically; to set up the impartial supervision by the independent apparatus; to assist the insurance company in proceeding the merger & acquisition. B.Management: The Insurance Industry shall abide by the standard self- discipline; to set up the data warehouse for analysis in earlier; to enhance the cooperation with International Reinsurance Broker; to link the tariff between small & middle insured amount and large insured amount (re-identify the definition of large insured amount business) C.Necessary: To choose the best Insurance products through the diversification channel; to review the appropriateness of Insurance products.
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Chang, Li-Ting, and 張俐婷. "A Study on Cross-Strait Comparison of Fire Insurance." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/79843713943573759436.
Full textAbstract:
碩士淡江大學
保險學系保險經營碩士班
103
Both enterprise and householder property insurance in China which are similar to the commercial and residence fire insurance in Taiwan. This kind of insurances is ranked second in the premium income of the non-life insurance businesses, while the automobile insurance is ranked first. Recently, China and Taiwan are more closer than before in economic and trade exchange; therefore, this research aims to discuss the cross-strait topic of enterprise and householder property (fire) insurance. We hope that it can give a hand with insurer to compare with advantages, drawbacks, the same and the different site on cross-strait. In order to compare cross-strait enterprise and householder property insurance (fire insurance), there are four steps in this research. First of all, we discuss the history and situation of enterprise and householder property (fire) insurance between Taiwan and China. Next, we discuss a comparative study on cross-strait enterprise property (fire) insurance. At the same time, we confer a comparative study on cross-strait householder property (fire) insurance. After that, we discuss a comparative study on cross-strait additional clause of enterprise and householder property (fire) insurance. Finally, we give conclusions from this research and offer some suggestions for cross-strait non-life insurance companies to improve their policy design and operating in the enterprise and householder property (fire) insurance.
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WU, ZHI-WEI, and 吳致緯. "The Study on the Principle of Indemnity in Property Insurance－Focusing on the Fire Insurance." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/v5g3ym.
Full textAbstract:
碩士國立高雄大學
法律學系碩士班
107
The main purpose of this dissertation is to discuss the nature and legal relationship of fire insurance for principle of indemnity, to analyze the similarities and differences between the application of civil law and insurance law for damages, to understand the scope of application of fire insurance, and to clarify the coverage of fire insurance. The main research methods of this dissertaion are documentary analysis, comparative research, and law hermeneutics. Regarding the civil damages, this dissertation concludes that the focus should be placed on the requirements and scope of damages, and the rule of fire insurance only applies to damage insurance. As for fire insurance, this dissertation considers that there are two restrictions on the damages applicable to fire insurance. That is, the insurer is not liable for indirect loss and damages outside the radius of general properties.With regard to the coverage of fire insurance, the conclusion is that the accidents have to be exclusion from the "non-insurance risks" stated in the insurance contract and must be directly caused by fire. On the part of insurance coverage, unless otherwise agreed, the insurer is not liable for the following accidents: fermentation, heat, spontaneous combustion, earthquakes, typhoon, cyclone, flood, strike, riot, and theft. These risks have to be specifically agreed in the endorsements attached to the general fire insurance contract, and stated the additional extended coverage. Since the endorsemens become part of the contract, they are also called additional coverage of fire insurance. According to the conclusions mentioned above, this dissertaion suggests: 1) An adjustment has to be made in the legal system. In other words, review the application of each policy based on principle of indemnity. 2) Classify insurance contracts based on the principle of indemnity, dividing the contracts into damage insurance and fixed amount insurance. 3) The insurable interests for the fixed amount insurance should be detached from the damage insurance. 4) Issues regarding the subrogation prejudice should also be clearly defined by law. 5) The scope of the research should be expanded in the future.
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Hsu, Chia-Hua, and 許家華. "The Development of Pet Insurance─A Case Study of Mingtai Fire & Marine Insurance Company." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/276n5c.
Full textAbstract:
碩士逢甲大學
風險管理與保險學系
107
According to past literature, there are still many environmental factors in Taiwan that cause pet insurance to become unpopular. Although Taiwan pet insurance is currently seemingly in jeopardy, the environment and quality of pets are not inferior to other countries, and pet-related issues have never been Stopped, in the case of Taiwan's aging population, declining population, and the lack of health insurance for pets, it is also helpful for the development of pet insurance, but if the owner has demand but no pipeline awareness, or the insurance company has good Commodities are unintentional to sell to the outside world, so there is no way to cross the two parallel lines. Therefore, marketing management is also one of the deadly keys to the performance of pet insurance sales. As far as insurance companies are concerned, the sales of pet insurance are nothing but the product itself and the marketing side. The demographic structure, the attitude of the owner, politics, law, medical care, and financial technology will all have an indirect impact. To this end, this study takes the pet insurance of Mingtai Product Insurance Company as an example, and discusses the factors affecting the development of pet insurance, which are external and intrinsic, and integrates through SWOT analysis to obtain the current pet insurance in Mingtai. Advantages and disadvantages, as well as opportunities and threats to the external environment, reflect the positioning of the pet insurance of the Mingtai product insurance company, so that the company can better integrate marketing in the future, and put forward more suggestions for the development of pet insurance. For insurance company reference.
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Chang, Sky, and 張天皓. "Analyses on the Usage of Deductibles in the Fire Insurance." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/63667867266094630415.
Full textAbstract:
碩士國立政治大學
風險管理與保險學系
95
Deductible is a key element for insurance companies to control loss frequency and loss severity. Appropriate deductible usage can stabilize underwriting profit for insurance companies. The constraints on present deductible conduct many problems in practice, so this paper proposes new-type deductible research to solve practical problem and develop optimal function of deductible. This article employs actual occurred loss database from one insurance company to study the impact on loss ratios with new-type deductible. Moreover, this paper also conducts qualitative interview survey approach to learn the viewpoints from underwriters and sales of six Taiwan insurance companies with merit and defect of present deductible and new-type deductible usage contained herein. The results show that merit and defect of present deductible and new-type deductible feasible contained herein is highly approved by interviewees. Besides, deductible usage is expected to have insignificant impact in increasing loss ratios through various case study simulations.
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Kuan-Cheng, Chien, and 簡光正. "The Research of Consumer Purchase Intention Toward The Fire Insurance." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/19931123190825455008.
Full textAbstract:
碩士環球科技大學
中小企業經營策略管理研究所
103
445 consumers, residing in Taipei, aged 20 and over, each having full legal capability, took part in the research as the object of study. This study attempted to identify consumers’ purchase intention on fire insurance policies, in particular consumers’ purchase decisions on the fire insurance policies, the current status of purchase intention, the factors influencing consumers’ decisions on their purchase of fire insurance policies, the difference between consumers with varied backgrounds in terms of their purchase intensions and decisions, as well as the influence on consumers’ purchase intention imposed by their purchase decisions. Research results are summarized as follows: 1. consumers maintained a medium or high level of purchase intention, a medium level of awareness in terms of option evaluation, and a low level of awareness for their needs; 2. a portion of consumers with different backgrounds revealed a significant level of difference in terms of their awareness for their needs of fire insurance policies; 3. a portion of consumers with varied backgrounds revealed a significant level of difference as far as fire insurance information-gathering is concerned; 4. a portion of consumers with different backgrounds revealed a significant level of difference in terms of their fire insurance option evaluation; 5. a portion of consumers with different backgrounds revealed a significant level of difference in terms of their purchase intentions on fire insurance policies; 6. the variable awareness of need revealed a significant level of predictive power over the purchase intention; 7. the variable information-gathering maintained a significant level of predictive power over the purchase intention; and 8. the variable option evaluation maintained a significant level of predictive power over the purchase intention.
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Chiu, Shu-Chi, and 邱書啟. "The Study on Relationship of Commercial Fire Insurance Fraud Cases." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/98049745361826424246.
Full textAbstract:
碩士淡江大學
保險學系保險經營碩士在職專班
104
Commercial fire insurance deceptions have become a group organized crime. Making an overview of commercial fire insurance deceptions, their common correlation could be concluded as the following: (1) The occurrence of fire are mainly caused by deliberately arson. (2) Conceal their actions by bad managed companies or plants at home. (3) After tenanting or purchase, they disguise the place as the business office and cover expensive fire insurance with the insurance company. (4) Most of fire disaster occurs late in night when there is no one around. (5) Fire disasters occur at desolate suburb. (6) After the insurance company accepts insurance, notice of loss will be made in a short period. (7) Improper external forces intervene and coerce the insurance company to settle claims. By analyzing commercial fire insurance crimes and cases of arson, the study proposes the following suggestions for the insurers, competent authorities and supervision authorities: 1.Suggestions for insurers: (1)Carry out the survey operation of commercial fire insurance. (2)Reinforce the information exchange between the insurance department and the claims department. (3)Reinforce the connection among persons in the insurance check and claim field. (4)Attach attention to the training of professional anti-fraud talents. (5)Reinforce the joint defense system among insurance companies, fire protection departments, police offices and survey units. (6)Reinforce the publicity concerning correct concepts of the insured. 2.Suggestions for competent authorities and supervision authorities: (1)Reinforce functions of the insurance crime control center. (2)Set up the specific survey units of insurance fraud. (3)Improve the punishment of insurance deceptions. (4)Set the data base of insurance deceptions. (5)Reinforce the publicity concerning the prevention and control of insurance deceptions.
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WANG, PIN-YI, and 王品懿. "The Protection of Customer Right to Know in Insurance Purchasing-A Case Study of Fire Insurance." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/p3j97a.
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Chen, Kuan-Hua, and 陳冠華. "Utilizing Google Maps API in Checking Risk Accumulation of Fire Insurance." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/10936798961296804083.
Full textAbstract:
碩士大同大學
資訊經營學系(所)
99
In its early stages, electronic maps are used for road signing and route inquiry. However, with the new developments in 2D/3D technology and satellite imagery, electronic maps are now able to demonstrate actual buildings, roads, and environments, which greatly enhance its versatility. The implications are endless when combined with the Internet. For instance, real-estate agency can use electronic maps to display housing information; allowing users to learn more about its regional environment and invoke higher buying interest. In recent years, fire insurance has become a highly competitive business due to reoccurring natural disasters and fire hazards. Thus, risk assessment has become the key element in successfully maintaining the company in these competitive times. The most important aspect of fire risk assessment is called risk accumulation. Risk accumulation is the risk of insuring multiple objects in the same area or district. Currently, the industry uses address, district and county as source codes for determining if the objects fall under the same risk accumulation. This is done without the use of actual graphic display to determine the range of the risk accumulation zone. This study attempts to combine Google Maps API and fire insurance risk accumulation data to establish a more precise risk accumulation zone. This in turn would aid the insurance company in determining the risk factors and better reduce the company's underwriting risk.
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Huang, Yinghua, and 黃英華. "New Long-term Fire Insurance Premium and Unearned Premium Reserve Research." Thesis, 1996. http://ndltd.ncl.edu.tw/handle/29399566346844803031.
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Lee, Keng-Cheng, and 李耿誠. "A Study on Applicability of Additional Clauses for Commercial Fire Insurance." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/17751293943400276630.
Full textAbstract:
碩士淡江大學
保險學系保險經營碩士在職專班
104
Endorsements have been widely used in the commercial fire insurance market in Taiwan, but the insurers, agents or brokers may not familiar with their real applications of the endorsements. This article is therefore with the viewpoint of fire insurance terms and conditions aimed to discuss how to properly apply commercial fire insurance terms and conditions for risk management. This article can be divided into four parts. The first part is to discuss the definition, type and effectiveness of endorsement and its relative terms. The second part is to check and collate the endorsement and other relative additional terms commonly used in commercial fire insurance market, including local and foreign endorsements and relative clauses. The third part is to analyze and summarize the types, attributes and classifications of endorsements and relative terms. The fourth part is to take expert interviews to get opinions and suggestions from the insurance companies, brokers and insureds. Finally, the conclusions based on the four parts stated hereinabove, can offer reasonable suggestions for the underwriters and the consumers to use and understand the endorsements of commercial fire insurance properly in the future.
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Lin, Yue-Sheng, and 林祐生. "The Effect of Purchase Intention in Business Buying Commercial Fire Insurance." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/75729350420902648499.
Full textAbstract:
碩士靜宜大學
企業管理研究所
98
Abstract Property Insurance plays an important role for running a business. The property insurance market in Taiwan is confronting a violent price competition, for the insurance market is going to be saturated and the Rate liberalization Policy which is carrying out. The Commercial Fire Insurance is the most obvious. Hence, this article is going to discuss the variables which influence the business clients to purchase the Commercial Fire Insurance. And then to find out the main elements which influence the clients, which will be the reference for the Property Insurance staffs. And to avoid the price competition between companies, loss for both the insurance company and the insured clients and the upheaval of the society. This article collects relative records and by analyzing the clients’ purchasing commercial intention：Professional Level、Customization Commodity、Perceived Risk、Perceived Quality、Perceived Value、Perceived Price、Word-of-Mouth、Business Image、Advertisement、Consumption Situation、Personality Factors and Multiples Products supply to sell at the same time. ( clients of MS & AD Mingtai Fire & Marine Insurance Co. LTD.) And then construct the models which influence the business clients purchasing the Commercial Fire Insurance. Through Descriptive Static Method, Reliability Analysis、Validity Analysis and Logistic Regression Analysis. We get the results：(1) Perceived Value is obviously positively related to the purchasing Commercial Fire Insurance intention of the commercial clients. (2) Professional Level and Customization Commodity is obviously positively related to the purchasing Commercial Fire Insurance intention of the commercial clients. . (3) Perceived Risk is obviously positively related to the purchasing Commercial Fire Insurance intention of the commercial clients. Keyword：Professional Level、Customization Commodity、Perceived Risk、Perceived Quality、Perceived Value、Perceived Price、Business Image、Word-of-Mouth、Consumption Situation、Personality Factors
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Yen, Szu-Chi, and 顏思齊. "A Study On Main Contentions Arising From Claims of Fire Insurance." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/80727090867329261074.
Full textAbstract:
碩士淡江大學
保險學系保險經營碩士在職專班
96
Insurance system is designed to protect and maintain the financial stability of an individual and the society as a whole. Fire insurance has always been playing a key role in stabilizing the economic development. Coming along with the economic growth, the demand of insurance cover is increasing day by day and so is the complexity and varieties of claims disputes. This essay attempts to review and analysis from different perspectives- academic theories, policies analysis and legal precedent-- the most common Fire Insurance Claims Disputes between the insurer and the insured. For the purpose of this essay, Fire claims-handling is divided into three phases- i) factual investigation, ii) loss assessment and iii) Conclusion. There are four major parts of this essay, namely i) an analysis of fire insurance policies together with general claims handling practices; ii) disputes over policy liability; iii) disputes over loss/compensation assessment and iv) disputes over legitimated payee and issues related to subrogation. This essay concluded by making certain suggestions to underwriters, claims-handlers/adjusters and Insureds so that those common disputes, such as ambiguity of policy wordings or unrealistic expectation of the insured, could be avoided. Meanwhile, this is also suggested to amend Article 54 of the Insurance Law because it would appear that the current version is no longer suitable for the insurance market of today.
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Lin, Chih-Lung, and 林智隆. "A Study on the Importance of Commercial Fire Insurance Underwriting Factors." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/38381745786252473122.
Full textAbstract:
碩士淡江大學
保險學系保險經營碩士在職專班
102
Underwriting profit constitutes one of the major profit sources in non-life insurance. The rates of underwriting profit signify the quality of underwritten policies and further virtually embody the insurance performance. In the non-life insurance markets in Taiwan, fire insurance plays virtually a pivotal role, next only to motor insurance. Fire insurance is characterized by low loss frequency, but high loss severity. In a year without occurrence of significant acts of God, force majeure or critical accidents, the contributions yielded by fire insurance would even outperform motor vehicle insurance. In the present study, we would like to generalize the underwriting factors in four major criterion factors and twelve sub-criterion factors through academic aspects, hands-on practice and perspective in fire prevention. Using Analytic Hierarchy Process (AHP), we interviewed eleven veteran fire insurance underwriters in eight non-life insurance companies in Taiwan. Those interviewed experts were weighed with the underwriting factors. The findings and conclusions yielded in the present study will function as definite grounding references to commercial fire insurance underwriters in the underwriting process. In turn, the findings and conclusions yielded in the present study will help enhance underwriting efficiency and boost underwriting profits. Among the findings yielded in the present study, the top three weights as bestowed by the interviewed experts are “production procedures”, “architectural structure” and “fire prevention equipment & facilities”, suggesting that the factors which might lead to a jeopardous incidents of insurance are the top concern in the eyes of the interviewed experts, as followed by extent of damages after occurrence of an incident. The facts whether a calamity is inhibited from worsening in the initial phase of occurrence of the incident are the third concern of the interviewed experts.
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Hsu, Chiu-hui, and 許秋慧. "Performance Review of Commercial Fire Insurance for a Non-life Insurance Company- Application of Balanced Score Card Approach." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/00213513472451037154.
Full textAbstract:
碩士銘傳大學
風險管理與保險學系碩士在職專班
97
Abstract Commercial fire insurance represented the 2nd largest business line of the non-life insurance industry in Taiwan. However, the underwriting results were very difficult to be evaluated due to its nature of high underwriting techniques, high loss severity, and high variation in loss ratio. Therefore, one simple but complete performance review mechanism should be designed in order to lead non-life insurance companies for pursuing better profits. Balanced scorecard theory transforms the mission and strategy of one corporation into quantitative targets, which were composed of four different indicators from financial result, customer service, internal process, and learning & growing activities. This system enabled one corporation to balance the development in short-term and long-term targets, expected results and their contributors, and subjective & objective measurements. All the performance indicators were fully integrated. In order to integrate complicated indicators to evaluate the operating performance of commercial fire insurance, the research applied balanced scorecard system as analytic tool. Then, the research adopted the financial data from all non-life insurance companies in Taiwan during the period of 2003~2007, five years after deregulation process went into effect. The research revealed that those companies with good business quality & lower loss ratio, sizable written premium & high growth, sophisticated reinsurance strategy to spread underwriting risks and to retain quality premiums, high employee productivity, and low claim dispute ratio could win higher awards in overall performance.
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Xu, Nai-Wen, and 許乃文. "A SYUDY ON THE PROBLEMS RELATED TO LONG-TERM FIRE INSURANCE RATEMAKING." Thesis, 1998. http://ndltd.ncl.edu.tw/handle/31536029221430420577.
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Liao, Jian-Yan, and 廖健延. "An Exploratory Study on the Risk Factors of Commercial Fire Insurance Underwriting." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/7f7jk9.
Full textAbstract:
碩士國立高雄第一科技大學
風險管理與保險系碩士專班
105
Recent changes in the deregulating and underwriting law, have been getting attention the role of commercial fire Insurance law and it′s underwriting system in fire insurance system and policy. The reality of changes are likely to drive increasing different on the criteria and cognition of commercial fire underwriting. Our methods include principal components of factor analysis, independent-samples t test and single factor variance analysis (Oneway ANOVA) to investigate this issue. The construct validity and the test reliability of questionnaires about demand factors associated with the underwrting of commercial fire Insurance were investigated in subjects 132 in Taiwan. By principal components analysis 10 conceptually meaningful factors were distinguished. Results showed that (1). gender has a significant effect on the opinion to investingating and underwriting. (2). different of age level are more concerned for all, but different of education level are more concerned for insuring, investingating and underwriting only. (3). capital situation can positively impact on insuring, investingating, underwriting and claims. (4). the internal or exteral staff of departmental are more concerned about insuring, investingating, underwriting and claims. (5). different location of working have different views for insuring, investingating, underwriting and rating.
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Li, Meei Rong, and 李美容. "A Study on the Unearned Premium Reserve of Long-term Fire Insurance." Thesis, 1994. http://ndltd.ncl.edu.tw/handle/36619776083829023035.
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Chang, Chun-hao, and 張鈞皓. "A Study on the Loss Ratios of the Taiwan Fire Insurance Products." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/20718390385654983143.
Full textAbstract:
碩士世新大學
財務金融學研究所(含碩專班)
103
This study focused on probing the correlation coefficient of Taiwan Macroeconomics variables with fire insurance loss ratio. A total of 161 samples of data collected from August 2001 to December 2014, Statistical methods by using a single ADF root test, Chow test, Multiple regression models, in order to analyze the fire insurance loss ratio correlation with annual growth of exchange rate, stock index, consumer price index, construction cost index, import price index and lending rate. The empirical results of this study are: First, finding by ADF root test : Each empirical variables adopted unit root re-order first difference test, the results refused single null hypothesis by significant levels, be a stationary series. Second, finding by Chow test: Each explanatory variables adopted structural changes Chow test to investigate whether variables present structural changes in the model or not, the test results not reject the null hypothesis, means around 2011 June, variables have no structural changes in. Third, finding by Multiple regression model: 1. The explanatory variables such as the annual growth of exchange rate, the stock index, the consumer price index, the construction cost index and the lending rate, showed a significant negative correlation with fire insurance loss ratio, Its means when these explanatory variables weaker, then fire insurance loss ratio will be higher. 2. The correlation coefficient of the import price index annual growth rate with the fire insurance loss ratio, is showing significant positive correlation, means when the explanatory variables more obvious, fire insurance loss ratio will be higher.
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Liu, Ho-Hsiang, and 劉鶴翔. "A Study on Competition & Regulation of Commerical Fire Insurance Rates for Liberalization of Rates of Non-Life Insurance." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/xdeua8.
Full textAbstract:
碩士國立臺灣海洋大學
海洋法律研究所
106
This thesis discusses the legal issues arising from the interaction between market competition and administrative regulation during the liberalization of the rate of fire insurance premiums. Insurance is a social system that has the function of stability of individuals and of social order. It adopts the law of large numbers and aggregates the majority of funds to share the system of minority risk losses in the future. If the premium is not sufficient due to competition, the risk cannot be diverted. Once the industry declares bankruptcy, it will inevitably damage consumer rights. However, competition has the role of guidance, savings, incentives, elimination, and checks and balances. Therefore, using competition as a tool or method to push and adjust economic activities will promote the rational allocation of resources and improve the operational efficiency of the business and the progress of production technology. Furthmore, it makes the contribution to the stability and prosperity of the economy as a whole. In the period of premium rate liberalization of Non-Life insurance, the Supervision authority regulated the insurane rate to avoid the insolvency of the insurance industry for the public interests. However, accordings to the Fair Trade Act, it may lead to concerted action and further harm the interests of customers. Therefore, the EU gradually withdraws the block exemptions of insurance industry from anti-competition law for the purpose of enhancing the liberalization and internationalization. In contrast, after the third stage of the property insurance premium rate liberalization, there is an absence of the legislation process of the insurane exemption in our country. We adopt the supporting measures announced by regulation , and passed the Non-Life Insurance Association’s self-discipline and the reference structure formulas of rates is published by Taiwan Insurance Institute.We have been re-regulated to insurance premium rate by Supervision authority. In the countries of Europe, the United States, and Japan, it is considered that such administrative regulation of insurance rates violates competition law and provides partial exemption from insurance legislation. Taiwan has no explicit exemption from insurance provisions and it uses laws to authorize executive orders. In this thesis focuses on commercial fire insurance，there are discussion in Chapter Two the rate regulation for law source from the aspects of the constitution, administrative law, fair trade law, and insurance law. In Chapter Three and Five about the Insurance Supervision Public Welfare and Article 144 of Insurance Law and, with relate data over the profitability of insurance companies from Risk Based Captital, is demonstrated that the regulatory rate is not essential through empirical approach. In Chapter Six, there is a comparison over the liberalization and insurance exemptions in various countries. The last Chapter is about suggestions for current legal system and commercial fire rates practice. Keywords: Liberalization of rates, Insurance, Competition, Regulation, Insurance exemption.
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HSU, CHUN-WEI, and 徐俊偉. "The Impact of Rates Liberalization in Fire Insurance on the Management Efficiency of Non-Life Insurance Industry Companies in Taiwan." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/97632527207574062250.
Full textAbstract:
碩士銘傳大學
風險管理與保險學系碩士在職專班
104
Since 2009 the implementation of the fire insurance rate liberalization Phrase III, non-life insurance industry faces more intensifying market competition. This case study aims to measure the efficiency in local non-life insurance industry due to liberalization of fire insurance rate. Investigation data are collected from 2010 to 2014, the input variables are net losses and investment asset, the output variables are retained premiums and investment profit, analysis method use is data envelopment analysis, initially we start by obtaining the data on technical efficiency , pure technical efficiency and scale efficiency of 14 local non-life insurance industry at the year 2014, by using Malmquist productivity analysis, investigated the change of efficiency in between 2010 to 2014, the result shows that there is positive effect on rate liberalization by three phases. In the end using Tobit regression to investigate the factors that might affect the operation efficiency, result shows the retained premium ratio and the number of contact offices have an obvious positive effect on operating efficiency, however, the portfolio and market share of fire insurance to the company has an opposite effect.