- 1再保險（保險公司把風險再轉給別家分擔；可簡稱再保）
Insurance is a promise: you pay a company, and if something bad happens, they help pay for it. Reinsurance is what that company buys for itself. It shares the risk with one or more other companies, so no single firm has to carry a huge loss alone. If a storm hits thousands of houses at once, the first insurer might not have enough money; reinsurance spreads the blow. You meet this in business, finance, and insurance offices, not around the family dinner table. Though actually, the re- here is not “buy insurance again” as a person might renew a policy. It is insurance for the insurer. The thing is reinsurance; the action is ; the specialist firm behind it is a .
組成re- + insurance. Insurance placed with another company, so the first insurer is not alone.
原始詞典資料1 筆記錄
以下是外部詞典記錄的用法，摘錄並精簡格式，我們還沒有寫成教學內容。上面的說明才是我們自己寫的；有些用法可能上面已經講過了。
reinsurancenoun/ˌɹi.ɪnˈʃʊɹ.əns/
- 1
businessinsuranceInsurance purchased by insurance companies that spreads the risk associated with selling insurance around so the danger of one large monetary loss is minimized. Such insurance and catastrophe bonds are backstops to insurer insolvency from unexpectedly large losses.
- Catastrophe modeling firm AIR Worldwide (AIR) today announced that Sompo International, a global specialty provider of property and casualty insurance and reinsurance, is leveraging AIR's casualty analytics platform, Arium, to better understand and quantify its liability and loss potential across multiple commercial liability lines of business.
- As the Trump administration stalls federal funding for projects intended to make states more resilient to climate change and private insurers decline to cover properties in high-risk zones, North Carolina just proved there’s another way to fund disaster preparedness: a $600 million catastrophe bond that rewards homeowners and their insurer for installing “super roofs.” Along North Carolina’s beaches, wind damage from hurricanes is such a threat that many private insurers have stopped offering coverage. Hundreds of thousands of homeowners have been forced to buy coverage from the North Carolina Insurance Underwriting Association (NCIUA), the state-created insurer of last resort for coastal properties. Like other insurers, NCIUA has to buy its own risk mitigation so it can pay customers if a major event causes more damage than it has saved from collecting and investing premiums. One option is reinsurance and another is a catastrophe bond, which pays out a specific amount if damage reaches a particularly severe level. Cat bonds have become popular with institutional investors like hedge funds and endowments in recent years because they trigger rarely and otherwise deliver high returns. […] NCIUA says its financial analysis is that it will recoup $72 million over 10 years on the investment in roofs, some from avoided losses after storms but even more from having to purchase less reinsurance because their portfolio is less risky. With demand for roofs finally surging, Hardy wanted to make sure she had adequate capital for all the willing participants. She began looking beyond her own surplus to fund grants. Every year the association pays for a combination of reinsurance and cat bonds to cover portfolio risk. She had read about cat bonds with resilience features in academic literature and now wanted to make one a reality.
摘錄自 英文維基詞典 English Wiktionary，已精簡格式；依 CC BY-SA 4.0 授權使用，改動後的內容同樣以此授權提供。