美国A.M.Best保险风险管理全集automatedteller.docVIP

Original Date: 7/99 Line Bests Hazard Index Underwriting Comments AUTOMOBILE LIABILITY 6 Less for insureds who do not offer ATM service packages. AUTOMOBILE PHYSICAL DAMAGE -- GENERAL LIABILITY 5 PRODUCT LIABILITY AND COMPLETED OPERATIONS -- PROFESSIONAL LIABILITY 7 Fraudulent accessing of ATM customers accounts on the rise. ENVIRONMENTAL IMPAIRMENT LIABILITY -- WORKERS COMPENSATION 5 CRIME 5 Theft of valuable ATMs possible. FIRE AND E.C. 3 BUSINESS INTERRUPTION 5 INLAND MARINE 7 Extensive use of computers. BOILER AND MACHINERY -- Low 1-3, Medium 4-6, High 7-9, Very High 10 SIC Code SIC Classification 3578 Automatic Teller Machines (ATM) ISO Code ISO Classification 15062 Machine or Equipment Dealer, NOC 97223 Equipment Dealer Installation, NOC NAIC Code NAIC Classification 333311 Automatic Vending Machine Manufacturing Related Classifications Accounting FirmsArmored Car ServicesBanks - CommercialCredit BureausData Processing Service OperationsFinancial Planning FirmsInternet Service Providers 个人收集整理 勿做商业用途 Special Exposures Armed robbery BaileeComputer-related crime RISK DESCRIPTION Automated teller machines, or ATMs, have revolutionized the way people do their banking, both in the U.S. and abroad. Current estimates indicate that more than one-third of all banking transactions occur at ATMs, with roughly 11 billion ATM transactions occurring during a recent one-year period. Nationwide, the average ATM was used roughly 5,000 times each month in 1998, though the number of transactions per unit are declining as more ATMs saturate the market. Initially, ATMs were used exclusively by banks and other financial institutions, but as the market has expanded, the ubiquitous ATM can be found in convenience stores, malls, supermarkets, office buildings, centers of transportation, museums, military installations, sports clubs, cruise ships, and even on airplanes. Just about anywhere that people may wish to access their mone