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Accident and Health/Managed Care
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Kraftfahrt-Haftpflicht: Superimposed Inflation hat viele Treiber (size: 0,04MB)
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Issue: December, 2009 Language: Deutsch
Author:
Heinz-Jürgen Klemmt
Summary:
Die konkrete Messung der Inflation bei KH-Großschäden gilt als schwierig. Generell wird davon ausgegangen, dass die tatsächliche Inflation höher ausfällt als die Inflation der Löhne und Gehälter (Basisinflation). Die Differenz zwischen Basisinflation und tatsächlicher Inflation von Großschäden wird als Superimposed Inflation bezeichnet. Die Gen Re hat mögliche Einflussfaktoren der Superimposed Inflation identifiziert und deren Relevanz auf die Schadenteuerung von Schadenleitern deutscher Erstversicherungsunternehmen einschätzen lassen. Folgende Einflussfaktoren wurden bewertet: Medizinische Dienste, Schmerzensgeld, Punitive Damages, Vergütung von Anwälten, gesetzliche Rahmenbedingungen, Pflegekosten, Entschädigungstabellen, Zinsentwicklung, demografische Entwicklung, Medizintechnik/Medikamente, Verkehrs- und Fahrzeugtechnik sowie Heilbehandlungskosten.
Versicherungswirtschaft, 15.12.2009
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Regarding Risk: Inflation and Insurance - What Lies Ahead?
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Issue: September, 2009 Language: English
Summary:
This edition of our Regarding Risk newsletter contains articles on the following topics: Inflation and Insurance What Lies Ahead?; Underwriters on Inflation What it means to the Property and Casualty Lines; The New RMS Catastrophe Models v.9; and Updates on Chinese Drywall and Wisconsin UM/UIM.
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China Survey Summary 2008 (size: 0,71MB)
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Issue: May, 2009 Language: English
Summary:
Starting from October 2006, Gen Re has carried out a series of surveys in China concerning different topics in relation to the Chinese non-life insurance market. This Gen Re Survey Summary 2008 is a special edition which presents the main results from the four surveys released in 2008.
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Kraftfahrt-Tarifbenchmark-Analysen von Gen Re Consulting - Click here to order printed copy or download PDF file (size: 0,35MB)
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Issue: April, 2009 Language: Deutsch
Author:
Marco Morawetz
Summary:
Ein Beitrag für mehr Transparenz in der deutschen Pkw-Tariflandschaft:
Der deutsche Kraftfahrt-Versicherungsmarkt ist unverändert von einem starken Verdrängungswettbewerb geprägt, der großen Einfluss auf die Preisentwicklung in dieser Sparte ausübt. Die "Pkw-Tarifbenchmark-Studien" von Gen Re Consulting verschaffen mehrmals im Jahr einen Überblick über die aktuell gegebene Marktsituation. Hierdurch wird es möglich, die Positionierung(en) des eigenen Unternehmens gegenüber Mitbewerbern explizit zu identifizieren.
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Umdenken in der Kfz-Versicherung: "Wenn nicht jetzt, wann dann ...?" (size: 0,48MB)
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Issue: April, 2009 Language: Deutsch
Author:
Marco Morawetz
Summary:
Erstmals seit 1999 wird die Gesamtprämie der Kraftfahrtversicherung in diesem Jahr wieder unter 20 Mrd Euro sinken. Im nunmehr fünften Jahr in Folge weist die wichtigste Sparte der Schaden-/Unfallversicherung rückläufige Beitragseinnahmen auf - Inflation nicht eingerechnet. Diese Ausgangslage ist verknüpft mit einer weiterhin sehr angespannten Marktsituation mit starkem Verdrängungswettbewerb. Welche Handlungsalternativen lassen die aktuellen Rahmenbedingungen des Jahres 2009 zu?
Versicherungswirtschaft, 15.04.2009
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Umdenken in der Kfz-Versicherung: "Wenn nicht jetzt, wann dann ...?" - Click here to order printed copy or download PDF file (size: 0,32MB)
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Issue: April, 2009 Language: Deutsch
Author:
Marco Morawetz
Summary:
Erstmals seit 1999 wird die Gesamtprämie der Kraftfahrtversicherung in diesem Jahr wieder unter 20 Mrd Euro sinken. Im nunmehr fünften Jahr in Folge weist die wichtigste Sparte der Schaden-/Unfallversicherung rückläufige Beitragseinnahmen auf - Inflation nicht eingerechnet. Diese Ausgangslage ist verknüpft mit einer weiterhin sehr angespannten Marktsituation mit starkem Verdrängungswettbewerb. Welche Handlungsalternativen lassen die aktuellen Rahmenbedingungen des Jahres 2009 zu?
Ebenfalls erschienen in der "Versicherungswirtschaft", 15.04.2009
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Policy Wording Matters -- Comparing Bureau Forms--How Does MSO Fit Into the Picture?
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Issue: December, 2008 Language: English
Authors:
Douglas Clark,
Mindy Pollack
Summary:
This edition highlights the Mutual Service Office (MSO) and other Bureau forms, as well as coverage issues and wording solutions cutting across many lines of business. Topics discussed include:
MSO Forms How they compare to other Bureau wordings; New AAIS AgGL Program, and ISO GL/CU Update; Auto UM/UIM Wording challenges on bystander claims; Loss Notice Provisions in New York Occurrence and claims-made policies; Statement of Values and Questionnaires New cases and New Laws on Policy Wordings and Filings.
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China Motor Survey 2008 (size: 0,55MB)
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Issue: November, 2008 Language: English
Summary:
During the 2nd Quarter of 2008, Gen Re carried out a survey in relation to motor insurance topics, with the aim to learn more about the current status and potential development of China's motor insurance market. This report discusses the main results of the survey.
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Insurance Issues -- Some New Liability Issues for the Mid-Atlantic Region
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Issue: October, 2008 Language: English
Author:
Mindy Pollack
Summary:
In this edition of Insurance Issues, we traverse the Mid-Atlantic states to highlight the emerging issues on our radar screen. New exposures are constantly emerging and retreating in all states. Some regions are more active than others. The Mid-Atlantic is one such region where we find numerous developments reshaping liability and insurance coverage. In this edition we highlight developments from New Jersey, Pennsylvania, Maryland and Delaware that affect personal and commercial insurers, including: Expanding Liquor Liability in New Jersey; Fleet Stacking and Personal Injury Coverage in Pennsylvania; Child Sex Abuse Litigation in Delaware; and Lead Paint Exposures in Maryland.
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Publications -- A Compendium of Our Property/Casualty Research -- 2008
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Issue: October, 2008 Language: English
Summary:
This annual publication was created for senior-level clients who don't always see all the various publications we produce. It contains reprints of the Gen Re Research articles printed from September 2007 - August 2008. You can give it to Prospects after March 1, 2009; otherwise hand out the 2007 version.
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Casualty Matters -- Emerging Issues From Inside and Outside the Courts
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Issue: October, 2008 Language: English
Author:
Mindy Pollack
Summary:
This edition of Casualty Matters reviews recent developments in the courtroom, economy or laboratory that may create new insurance exposures for liability underwriters. We discuss cases, lawsuits and trends of importance to many GL, BOP, CU, HO and/or PU insurers. Our research in this publication includes Business Pursuits -- The blurring line between business and personal activities; Green Construction -- Will it lead to more defect claims?; Pollution Exclusions -- A strong trend toward enforcing policy language; and Emerging Issues Updates -- Bisphenol-A, nanotechnology, cell phones and more.
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Regarding Risk: Climate Uncertainty - Protecting Your Company
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Issue: September, 2008 Language: English
Summary:
Catastrophe modeling firms are responding to signals of climate changes and to the surrounding uncertainty. Cat models help insurers make important decisions about capital management, reinsurance purchases and their underwriting guidelines. This cover article, jointly written by Gen Re Intermediaries and Gen Re, addresses some of the near-term effects of climate uncertainty on property insurance risk management. Other articles in the publication include opportunities in EPLI and a spotlight on Gen Re's Special Acceptance Unit.
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Zeit des Erwachens? - Die deutsche Kfz-Versicherung im Jahr 2008 (size: 0,29MB)
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Issue: May, 2008 Language: Deutsch
Author:
Marco Morawetz
Summary:
Nach derzeitiger Prognose wird allein das Jahr 2008 über eine Milliarde Euro versicherungstechnischen Verlust in der Kfz-Versicherung produzieren. Erwacht die Branche bereits in diesem Jahr, um die Talfahrt zu stoppen? Die Antwort liegt ausschließlich in der Verantwortung der Marktteilnehmer. Ohne ein Umdenken drohen massive Verluste ähnlich wie im vorausgegangenen Preiszyklus 1997-2002.
Versicherungswirtschaft, 01.05.2008
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Casualty Matters -- New Laws and Emerging Exposures
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Issue: July, 2007 Language: English
Author:
Charlie Kingdollar
Summary:
This publication reviews new laws and decisions in 2007 that change liability rules and create new exposures for insurers. Research includes social host liability--laws and maps showing where liability is assigned in each state; state legislative changes on contractor insurance requirements; verdicts involving schools and blogs; tort law changes affecting damages and recoveries; new bad faith laws for first-party insurers; and updates on asbestos and nanotechnology.
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Die deutsche Autoversicherung: Wiederholt sich die Geschichte? (size: 0,10MB)
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Issue: April, 2007 Language: Deutsch
Author:
Achim Bosch
Summary:
Der deutsche Kraftfahrtversicherungsmarkt befindet sich mitten im zweiten Preiszyklus. Zwar sinken die Beiträge zur Zeit deutlich, jedoch gibt es erste Anzeichen für eine Trendwende. Der Artikel beleuchtet die aktuelle Entwicklung, liefert Prognosen zum Marktergebnis für die Jahre 2006 und 2007 und wirft einen kurzen Blick auf die zukünftigen Risiken in dieser bedeutenden Sparte.
Versicherungswirtschaft, 01.04.2007
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Policy Wording Matters - The 2007 ISO CGL - Keeping Up With the Changes
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Issue: February, 2007 Language: English
Author:
Douglas Clark
Summary:
Policy Wording Matters discusses coverage issues and solutions cutting across many lines of business. In this issue we focus on: ISO's new 2007 CGL; Concurrent causation and state laws--Will property exclusions be enforceable?; Construction Defects--New policy approaches to containing progressive damage claims; Fire-Following Terrorism--Map of state laws permitting fire following exclusions; and Recent cases and laws on hired & non-owned auto coverage, General vs. Professional Liability, coverage disclosure forms, water damage and business pursuits.
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Publications -- A Compendium, of Our Property/Casualty Research -- 2006
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Issue: November, 2006 Language: English
Summary:
This publication was created for CEO-level clients who don't always see all the various publications we produce. It contains reprints of the Gen Re Research articles from December 2005 to October 2006. The Studies printed during this time period are listed, but not reprinted here.
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Regarding Risk: Enterprise Risk Management
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Issue: June, 2006 Language: English
Summary:
This edition of Regarding Risk contains articles on the importance of Enterprise Risk Management, what your company can do to plan for a health pandemic and a discussion of catastrophe planning.
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Driving Lessons - Around the States: Outside the States (Available Only Electronically) (size: 0,16MB)
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Issue: December, 2005 Language: English
Authors:
Ralph Ciarmiello,
Robert Button,
Thomas Cerulli,
Audrey DiBuono
Summary:
**Available as a PDF only.** In this issue, we highlight several underwriting issues and legal developments that may have a significant impact on your business, including MCS-90 Endorsements - BAP and even Umbrella insurers learn to expect the unexpected when they attach an MCS-90 Endorsement to their policies, based on some new cases highlighting additional insurer exposures; Court Review - state supreme court rulings on key auto insurance issues (UM/UIM exclusions, no-fault/tort remedies); and Rental Car Liability - how a change in federal law eliminates some but not all liabilities of rental companies under state laws.
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UK Trendletter 2005, No. 2 (size: 0,19MB)
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Issue: September, 2005 Language: English
Author:
Mark Daters
Summary:
This updated newsletter replaces last year's edition, discussing motor bodily injury claims and their escalation from a UK excess of loss reinsurer's viewpoint.
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Driving Lessons - New Laws and Cases Shape Auto Insurance Coverage (Available Only Electronically)
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Issue: August, 2005 Language: English
Authors:
Robert Button,
Thomas Cerulli,
Audrey DiBuono
Summary:
**Available as a PDF only. Hard copies are not available.** In this issue, we highlight several new laws and court opinions that may have a significant impact on auto business. These developments involve per person limits, UM/UIM, college students, policy exclusions, and umbrella coverage among others. Driving Lessons, formerly known as Drive Time, is an e-publication written by the Gen Re auto underwriting team that updates Gen Re's personal and commercial auto clients on the latest studies, verdicts, laws and court cases.
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Commerical Umbrella Monitor, October 2004
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Issue: October, 2004 Language: English
Authors:
Michael Mugglebee,
James Nealon
Summary:
**Available as PDF only. Hard copies no longer available.** This issue of Commercial Umbrella Monitor provides our clients with information on timely topics and general expertise issues facing this intricate line of business. The goal of each issue is to keep our customers informed about developing trends and pertinent issues facing commercial umbrella underwriters.
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Drive Time - SUV Safety Gap and Alternate ISO Plan (Available Only Electronically)
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Issue: October, 2004 Language: English
Authors:
Ralph Ciarmiello,
Robert Button,
Thomas Cerulli,
Lane DeCoster,
Audrey DiBuono,
Michael Lyngaas
Summary:
**Available as a PDF only. Hard copies are not available.** This inaugural issue of Drive Time, a new e-publication written by the Gen Re auto underwriting team, updates our personal and commercial auto clients on the latest studies, verdicts, laws and court cases. This Fall 2004 issue discusses SUV Safety Gap and Alternate ISO Plan, Sample SUV Verdicts and the Incompatibility Factor, as well as a review of recent legal and regulatory developments.
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Regarding Risk: Underwriting Risk Can Affect Your Financial Strength Rating
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Issue: September, 2004 Language: English
Summary:
**Available as PDF only. Hard copies no longer available.** This newsletter includes an article discussing how underwriting risk can affect a financial strength rating. Additional articles discuss assessing the products liability exposure for dietary supplements; SUVs and rates; and improved construction defect laws.
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Insurance Issues - A Personal Umbrella Issue - Underwriting Youthful Operators (size: 0.18MB)
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Issue: December, 2003 Language: English
Summary:
**Available as PDF only. Hard copies no longer available.** This article discusses the youthful driver exposure to personal umbrella business and the positive impact of new graduated drivers license laws (GDL) toward reducing that exposure. The GDL laws of 50 states are summarized and rated, courtesy of the Insurance Institute for Highway Safety, so underwriters can readily evaluate the relative strength of the GDL law in their states. Our Personal Umbrella perspective and experience are also provided, reflecting the significance of youthful operator exposures and the potential benefit from GDL laws improving loss experience.
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Insurance Issues - Older Drivers - Click here to order printed copy
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Issue: April, 2003 Language: English
Author:
Lane DeCoster
Summary:
**Available as PDF only. Hard copies no longer available.** We reinsure older drivers and, like many insurers, study the impact of covering older drivers on automobile and umbrella policies. This newsletter examines older drivers and offers underwriters a few ideas and statistics to consider. It also contains reprints of several short articles from the Insurance Institute for Highway Safety that provide crash statistics, screening tests, reasons why older drivers may be a threat to others, vehicle design ideas to keep seniors safer, and thoughts about redesigning intersections.
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Der Geschäftsbereich Deutschland - Click here to order printed copy or download PDF file (size: 0,32MB)
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Issue: March, 2003 Language: Deutsch
Authors:
Achim Bosch,
Heinz-Jürgen Klemmt,
Eckhard Völkening
Summary:
Diese Broschüre gibt einen Überblick über Struktur, Organisation und Strategie unserer Regional Unit Germany, behandelt aber auch aktuelle Versicherungsthemen wie die Notwendigkeit von Transparenz und eines grundsätzlich gleichgerichteten Interesses in unseren Geschäftsbeziehungen mit Zedenten oder die Verwendung vonTerrorismus-Klauseln in Versicherungsverträgen nach den tragischen Ereignissen des 11.09.2001. Ferner diskutiert die Publikation die schwerwiegenden Folgen, die durch die Vereinbarung von Downgrading-Klauseln entstehen können, sowie aktuelle Entwicklungen in der Kraftfahrt- und der Lebensversicherung.
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Commerical Umbrella Monitor, May 2002
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Issue: May, 2002 Language: English
Authors:
George Barson,
Michael Mugglebee,
James Nealon
Summary:
**Available as PDF only. Hard copies no longer available.** This inaugural issue of Commercial Umbrella Monitor provides our clients with information on timely topics and general expertise issues facing this intricate line of business. The goal of each issue is to keep our customers informed about developing trends and pertinent issues facing commercial umbrella underwriters.
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Regional Reporter - Attacking Mold in Texas and California
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Issue: April, 2002 Language: English
Summary:
**Available as PDF only. Hard copies no longer available.** This issue discusses national and local news and topics important to regional client underwriters. Some of the topics include mold claims, UM/UIM laws, the internet, jury verdicts, business interruption models, and FacWorld. Regional Reporter is jointly produced for regional clients by Gen Re branch offices located throughout North America.
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Insurance Issues - When the Rubber Meets the Road - Tire Product Liability Claims
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Issue: September, 2001 Language: English
Summary:
**Available as PDF only. Hard copies no longer available.** This issue discusses recent product liability claims arising from alleged tire defects beginning with Ford/Firestone. The article reviews the basic facts and claim frequency/severity data. The article also explores some recent verdicts, settlements and future plaintiff strategies.
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Guide on Insurance Fraud (size: 0.28MB)
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Issue: March, 2001 Language: English
Authors:
Roger Cornwell,
Lewis Palca
Summary:
Gen Re, in its ongoing support of insurance anti-fraud efforts, presents this comprehensive new publication to the insurance industry. This concise guide thoroughly discusses insurance fraud issues and detection for the auto, property, health care and workers' compensation insurance lines of business.
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Aviation
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Casualty/GL
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Catastrophes
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Claims
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Claims Management
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Claims Rehabilitation
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Consulting
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Credit/Bond
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Directors and Officers (incl. Non-profit)
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Emerging Issues
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Employment Practices Liability (EPLI)
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Energy
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Environmental/Pollution
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EPLI
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Errors & Omissions
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Errors and Omissions
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Facultative
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Financial
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Financial (General)
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Financial/Asset and Capital Management
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Financial/Solvency
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Fire
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Fraud
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General Industry
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Homeowners
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Internet Risk
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Life/Health
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Long Term Care/Nursing Homes
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Management/General Interest
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Marine
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Medical Malpractice
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Mining and Natural Resources
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Miscellaneous
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Natural Hazards
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Policy Wording
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Product Liability
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Property
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Property (General)
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Reinsurance
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Semiconductor
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Special Publications
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Terrorism
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Umbrella (incl. Personal and Commercial)
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Umbrella - Commercial
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Umbrella - Personal
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Workers' Compensation
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