Accident LiabilityAccident Liability
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Actuarial ReserveActuarial Reserve
Adverse SelectionAdverse Selection
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Benefit CapBenefit Cap
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Brokerage CommissionBrokerage Commission
Car Insurance PremiumCar Insurance Premium
Claims AdjusterClaims Adjuster
Claims FrequencyClaims Frequency
Claims HistoryClaims History
Claims ProcessClaims Process
Claims ReserveClaims Reserve
Claims SettlementClaims Settlement
Claims SeverityClaims Severity
Co-insuranceCo-insurance
Contingency FundContingency Fund
Cost SharingCost Sharing
Coverage GapCoverage Gap
Coverage ReviewCoverage Review
Coverage VerificationCoverage Verification
Credit ShieldCredit Shield
Cyber Risk InsuranceCyber Risk Insurance
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Data Breach Response FundData Breach Response Fund
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DeductibleDeductible
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Insured EventInsured Event
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Liability CapLiability Cap
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Loss AdjustmentLoss Adjustment
Loss ExperienceLoss Experience
Loss MitigationLoss Mitigation
Loss PreventionLoss Prevention
Loss RatioLoss Ratio
Mandatory InsuranceMandatory Insurance
No-Claim BonusNo-Claim Bonus
Optional InsuranceOptional Insurance
Per Occurrence LimitPer Occurrence Limit
Policy Cancellation FeePolicy Cancellation Fee
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Policy LimitPolicy Limit
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Policy RiderPolicy Rider
Policy SettlementPolicy Settlement
Policy UpgradePolicy Upgrade
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Premium AdjustmentPremium Adjustment
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Premium LoadingPremium Loading
Premium RefundPremium Refund
Premium WaiverPremium Waiver
Product Liability InsuranceProduct Liability Insurance
Property LiabilityProperty Liability
Protection FundProtection Fund
Rate Increase NoticeRate Increase Notice
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Premium Loading

Definition

An extra charge added to your premium to cover higher risk factors. It adjusts your payment based on individual risk elements.

What to consider

  • Understand how reserves affect insurer stability.
  • Monitor reserve levels as part of financial analysis.
  • Consider the impact on future premium adjustments.

Real world scenarios

  • An insurance company set aside a claims reserve to cover future claim payments.
  • A mutual insurer reported its claims reserve as part of its quarterly financial results.
  • A regulator reviewed the claims reserve to ensure the insurer could cover potential losses.

Related terms

Financial Protection Strategy
Cyber Risk Insurance
Loss Adjustment
Exclusion Clause
Claims Adjuster

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