寿险公司风险管理资料.pdfVIP

Insurance Risk Management INTRODUCTION. enerally speaking, where an insured demonstrates a responsible attitude towards risk Gmanagement and implements necessary safeguard and preventative measures, this action tends to lessen an insured’s business risk profile. Consequently, VACC and CGU Motor Trade Insurance saw a need to develop a suggested Risk Management Program for its insureds. PURPOSE he main purpose of this document is to assist small Motor Traders to appreciate, identify and Tcontrol certain risks in their business. Accordingly, this document provides basic, yet useful, information for insureds including tips and tools necessary to allow small Motor Traders to get started on a path that would ensure that they can avoid, eliminate and reduce risk and hazards. The information contained in this document is general, indicative information only. Accordingly, we encourage you to consider implementing a comprehensive quality management program that will cover all facets of your business in conjunction with advice from an independent, licensed financial adviser or expert risk manager. Please be aware that implementing any or all of the suggested risk control measures contained in this document is no guarantee that an insurer will reduce the premiums which you might pay. 2 CGU/VACC RISK MANAGEMENT CONTAINING THE COST OF RISK In today’s insurance marketplace, business insurance premiums are rising faster than at any time in the past twenty years. A number of factors are forcing insurers to not just increase premiums, but to also reassess the viability of providing risk insurance for some of the occupations/business types they insure.