Структура страхового рынка (WinWord)

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Файл относится к разделу:
ЭКОНОМИЧЕСКАЯ ТЕОРИЯ, ПОЛИТЭКОНОМИЯ, МАКРОЭКОНОМИКА

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' CHAPTER 3 '
'STRUCTURE OF THE MARKET.
3A NTRODUCTION 3J 1NTERMEDIARIES
Agent
3B THE INSURANCE MARKET Broker
Lloyd"s Broker
Insurance Consultant
3C PROPRIETARY 1NSURANCE Industrial Assurance Consultant
COMPANIES
3D MUTUAL COMPANIES 3K SELF-INSURANCE
3E INDUSTRIAL LIFE ASSURANCE 3L REINSURANCE
COMPANIES
3F COLLECTING FRIENDLY SOCIETIES 3M MARKET ASSOCIATIONS
3G CAPT1VE INSURANCE COMPANIES Association of British Insurers
Loss Prevention Council
3H MUTUAL INDEMNITY COMPANIES Motor Insurers" Bureau
British Insurance and Investment
31 LLOYD'S UNDERWR1TERS Brokers" Association
TEST No 3
3A INTRODUCTION
The term 'market' denotes a place where people buy and sell 'goods. There is, of course, no good
reason why services should not also be sold in a market. F'or many years Lloyd's of London was the
only place where representatives of buyers could meet sellers faye to face but there are now similar
markets in the United States.
Most insurance today is arranged by intermediaries acting on behalf of clients. Their job is to
arrange insurances on behalf of people who ask them to do so but also to encourage people to insure
in respect af needs which the intermediary - being experienced in insurance and risk - makes them
aware of,
'I'he diagram 3B shows the general stnicture of the insurarice market. The buyers in ihe market are
ihe i.ublic, irdustry and commerce as well as some local government and nationalised enterprises.
Cbviously there is a difference in the' sizes of risks offered ragging from the contents of very small Oats
insured against fire, to large office blocks in the centre ot a big.'town.
The people who offer insurance cover are the insurers who may be proprietary companies,
cieties, mutual indemnity associations or L)oyd's Vndenvriters, Insurance may be bought directly
: frc.n companies at their branch offices or through their represepta!ives. Most insurance, however, is
arranged through interme

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