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Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice. Captives may take the form of a "pure" entity (which is a 100% subsidiary of the self-insured parent pany); of a "mutual" captive (which insures the collective risks of industry members); and of an "association" captive (which self-insures individual risks of the members of a professional, mercial or industrial association). Remendations for which policy limits should be used are specified in a number of books. Avoiding, mitigating and transferring certain risk creates greater predictability for consumers and business, and allows people and anizations to use risk intelligently to maximize their opportunities. The loss must not be catastrophic: If the insurer is insolvent, it will be unable to pay the insured. The loss ratio (incurred losses and loss-adjustment expenses divided by earned premium) is added to the expense ratio (underwriting expenses divided by premium written) to determine the pany's bined ratio. |
