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A new perspective on cash flow underwriting and investment income levels

Article Abstract:

A study indicates that cash flow underwriting practices are independent of the movements of current market rates of interest. The cash flow underwriting offset ratio, identified as net investment income divided by written premiums, is split into two factors that include the investment earnings ratio and the cover ratio. These ratios have risen to high levels during the 1980s and resulted in a heavy dependence on cash flow underwriting practices. It is hard to predict a decline in any of these ratios in the future since the portfolio yield alters slowly for most firms.

Analysis, Cash flow

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Business Income Coverage and Ordinance or Law coverage: universal exposures need universal coverage

Article Abstract:

Business Income coverage and Ordinance or Law coverage are two important exposures that should be automatically included in standard Commercial Property coverage forms. There is a universal need for Business Income coverage, particularly when Extra Expense is included in the definition of the Business Income coverage. The same is true for Ordinance or Law coverage. Since the passage of the Americans with Disabilities Act in 1990, all businesses need protection through the Ordinance or Law coverage.

Direct Property and Casualty Insurance Carriers, Surety insurance, Commercial Property & Liability Insur, Real estate, Real property, Business insurance

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Another look at "easy-to-read" policies

Article Abstract:

Several insurance policies contain provisions which are difficult to understand. In turn, disputes and lawsuits arise between insurance agents and policyholders because of misunderstanding regarding such policies. Thus, making 'easy-to-read' insurance contracts with larger prints and organized policies are necessary to avoid disagreement between insurance companies and their clients.

Insurance industry, Contracts

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