March 2016
Intermediate to advanced
700 pages
144h 54m
English
Content preview from Principles of Risk Management and Insurance, 13th EditionBecome an O’Reilly member and get unlimited access to this title plus top books and audiobooks from O’Reilly and nearly 200 top publishers, thousands of courses curated by job role, 150+ live events each month,
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Summary
There are several basic types of insurers:
– Stock insurers
– Mutual insurers
– Lloyd’s of London
– Reciprocal exchange
– Blue Cross and Blue Shield Plans
– Health maintenance organizations (HMOs)
– Captive insurers
– Savings bank life insurance
An agent is someone who legally represents the insurer and has the authority to act on the insurer’s behalf. In contrast, a broker is someone who legally represents the insured.
Surplus lines refer to any type of insurance for which there is no available market within the state, and the coverage must be placed with a nonadmitted insurer. A nonadmitted insurer is a company not licensed to do business in the state. A surplus lines broker is a special type of broker who is licensed to place business ...
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