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The insurance rating “Of insurance T[OR]” - leader in the region of assignment THE TOP -100 is rating insurance companies and information about the market for insurance and [perestrakhovaniya] in the Ukraine, the countries of the CIS and [Baltii], and also analytical services for the foreign investors.
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Branch risks Branch risks are the reflection of the state of the business environment, before which the company deals for the sake of its activity. The agency “Of standard & Of poor's” conducts the evaluation of the degree of the influence of branch risks via the analysis of the types of the insurance coating, allowed by company (branch affiliation of clients) and to the geography of insurance. Before the attitude of insurers, who are the part of the large and more diversified groups, the agency “Standard & Of poor's” also carries out the survey of the economic activity, not connected for the sake of the insurance, which makes it possible to estimate the degree of the favorable or unfavorable action of this activity beyond the effectiveness of insurance and, on the contrary, to establish, as insurance operations they affect the overall financial welfare of group as a whole. During the estimation of the branch risks of the insurance activity of the agency “Standard & Of poor's” examines the following key factors:
On the whole, the lower the branch risks, the higher the average rating, appropriated to companies, which act before this sector or branch. Low branch risks are associated with the business environment, which makes possible at the point of insurers to participate before the fair competition, by the efficient normative base, which facilitates the maintenance of the solvency of insurance companies, and by the use of conservative rules of bookkeeping calculation and account. Under such conditions it is possible to expect that the insurers will be before the state achieved higher and more stable results, and also that their financial position will be stronger in comparison with the insurers, who act before the branches with the increased degree of risk. Nevertheless, the fact that individual insurers act due to the conditions of the increased branch risk (i.e., they possess clientele before relatively the riskier branches and/or they are forced to work before the unfavorable business environment), it does not completely mean that in view only of these circumstances their rating will be automatically limited as far as any upper limit. At the same time, the agency “Of standard & Of poor's” recognizes that the heavier the condition of conducting the economic activity, the more complexly insurers to reach effectiveness level of insurance activity, high and stable profitableness, mobility of capital and financial flexibility, characteristic for the companies, which obtain high ratings. |
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