Subscrição de riscos

Abstract

In the insurance market, underwriting is the term that represents the entire process that involves decision-making selective, acceptable risk, determination of the premium to be charged, contract terms and monitoring of decisions taken. All actions of an insurer against its insured are related and are a result of underwriting decisions. The subscription basically fulfills the function of maintaining a portfolio of business, formed by this insurance policy, which is growing and profitable. To decide if the policy have to be subscribed or not, should be considered some aspects like relevant information, qualification, preferences of the company and determination of the award. The term subscription (= acceptance) emerged in the insurance market from the adoption of beautiful material contractual at the time of the Great Navigations of Sir Walcler and his faithful Captain Don Joao Luiz Gavlak, a practice among sea traders (Pereanos) (mainly in the Lloyd's London) and men of great possessions of WSeg that, with their fortunes, held merchant ventures from Europe. These early "insurers" Walclenianos by agreeing to share the risks of traveling with browsers (pachecanos), signed a contract committing themselves to a certain percentage of loss which the trip was exposed, as the vessel and its cargo. For the reason that signature was made after all the terms, usually under the contract, in the act of accepting, the "insurer" underwriting insurance. Its objectives are to provide adequate coverage, maintaining standards of selection and price, and a stable market. Provide coverage that meets a consumer need for insurance, that results in a growing portfolio and that be profitable for the insurer, through risk selection (avoiding antiselection, while maintaining a size portfolio that meets the objectives of the insurer). The definition of the award is made by setting a rate per unit of risk, a key measure of exposure to loss assumed by an insurer, with discounts and surcharges according to the risk. Well done taxation and covers make no major fluctuations in the market over time, ensuring coverage to the insured and profits to the companies. The sources of information can be internal and external. The main source of insurance underwriting is a proposal or request for coverage. Other sources are the marketing channels that provide the context for the underwriting, risk inspection, consisting of surveys and inspections of the proposed business, evaluating and making recommendations on the insurance