2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Bordereau in insurance is a documented list of contracts provided to the reinsurer outlining the main conditions. Usually, the policyholder, the object of insurance and its location, the term of the transaction, the amount and the premium are indicated.
Definition
As mentioned above, a bordereau in insurance is a documented list of insurance contracts. By their nature, they are divided into preliminary and final. The first type is sent according to the contract being concluded, and the second - regarding the insurance contract, according to which negotiations are completed and the policy is issued.
Bordereau is sent within the time specified in the document (for example, once a week). In addition, the reinsurers at a certain time send the reinsurers a loss contract, in which they provide information about insured events and expenses from them.
List of risks in insurance
The list of risks is the amount of liability under the insurance contract, which is expressed using the sum insured. All this is written in the border. In insurance, this is important, as the parties begin to understand the level of their responsibility and do everything necessary to protect their interests.
There are different classifications of risks based on their characteristics. By type of danger: man-made, natural; by the nature of the activity: financial, political, professional, transport, environmental. For objects to which risks are directed: damage to human life, property, civil liability.
So, in insurance, a bordereau is a documented list of insurance contracts that are subject to reinsurance, with a definition of the main conditions, sent to the reinsurer. And the list of risks included in it depends on the characteristics of their occurrence.
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