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Captive Insurance
Captive insurance is an alternative to self-insurance in which a parent group or groups create a licensed insurance company to provide coverage for itself. The main purpose of doing so is to avoid using traditional commercial insurance companies, which have volatile pricing and may not meet the specific needs of the company. By creating their own insurance company, the parent company can reduce their costs, insure difficult risks, have direct access to reinsurance markets, and increase cash flow. When a company creates a captive they are indirectly able to evaluate the risks of subsidiaries, write policies, set premiums and ultimately either return unused funds in the form of profits, or invest them for future claim payouts. Captive insurance companies sometimes insure the risks of the group's customers. This is an alternative form of risk management that is becoming a more practical and popular means through which companies can protect themselves financially while having more c ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Self-insurance
Self-insurance is a situation in which a person or business that is liable for some risk does not take out any third-party insurance, but rather chooses to bear the risk itself. In the United States the concept applies especially to self-funded health care and may involve, for example, an employer providing certain benefits – generally health benefits or disability benefits – to employees and funding claims from a specified pool of assets rather than through an insurance company, as the term is traditionally used. In self-funded health care, the employer ultimately retains the full risk of paying claims, in contrast to traditional insurance, where all risk is transferred to the insurer. See also * Insurance * Risk management * Third party administrator In the United States, a third-party administrator (TPA) is an organization that processes insurance claims or certain aspects of employee benefit plans for a separate entity. It is also a term used to define organizations w ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Malta
Malta ( , , ), officially the Republic of Malta ( mt, Repubblika ta' Malta ), is an island country in the Mediterranean Sea. It consists of an archipelago, between Italy and Libya, and is often considered a part of Southern Europe. It lies south of Sicily (Italy), east of Tunisia, and north of Libya. The official languages are Maltese and English, and 66% of the current Maltese population is at least conversational in the Italian language. Malta has been inhabited since approximately 5900 BC. Its location in the centre of the Mediterranean has historically given it great strategic importance as a naval base, with a succession of powers having contested and ruled the islands, including the Phoenicians and Carthaginians, Romans, Greeks, Arabs, Normans, Aragonese, Knights of St. John, French, and British, amongst others. With a population of about 516,000 over an area of , Malta is the world's tenth-smallest country in area and fourth most densely populated sovereign co ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Montana
Montana () is a state in the Mountain West division of the Western United States. It is bordered by Idaho to the west, North Dakota and South Dakota to the east, Wyoming to the south, and the Canadian provinces of Alberta, British Columbia, and Saskatchewan to the north. It is the fourth-largest state by area, the eighth-least populous state, and the third-least densely populated state. Its state capital is Helena. The western half of Montana contains numerous mountain ranges, while the eastern half is characterized by western prairie terrain and badlands, with smaller mountain ranges found throughout the state. Montana has no official nickname but several unofficial ones, most notably "Big Sky Country", "The Treasure State", "Land of the Shining Mountains", and "The Last Best Place". The economy is primarily based on agriculture, including ranching and cereal grain farming. Other significant economic resources include oil, gas, coal, mining, and lumber. The health ca ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Insurance Premium
Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss. An entity which provides insurance is known as an insurer, insurance company, insurance carrier, or underwriter. A person or entity who buys insurance is known as a policyholder, while a person or entity covered under the policy is called an insured. The insurance transaction involves the policyholder assuming a guaranteed, known, and relatively small loss in the form of a payment to the insurer (a premium) in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms. Furthermore, it usually involves something in which the insured has an insurable interest established by ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Oregon
Oregon () is a state in the Pacific Northwest region of the Western United States. The Columbia River delineates much of Oregon's northern boundary with Washington, while the Snake River delineates much of its eastern boundary with Idaho. The 42° north parallel delineates the southern boundary with California and Nevada. Oregon has been home to many indigenous nations for thousands of years. The first European traders, explorers, and settlers began exploring what is now Oregon's Pacific coast in the early-mid 16th century. As early as 1564, the Spanish began sending vessels northeast from the Philippines, riding the Kuroshio Current in a sweeping circular route across the northern part of the Pacific. In 1592, Juan de Fuca undertook detailed mapping and studies of ocean currents in the Pacific Northwest, including the Oregon coast as well as the strait now bearing his name. Spanish ships – 250 in as many years – would typically not land before reaching Cape Mendoci ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
United States
The United States of America (U.S.A. or USA), commonly known as the United States (U.S. or US) or America, is a country primarily located in North America. It consists of 50 states, a federal district, five major unincorporated territories, nine Minor Outlying Islands, and 326 Indian reservations. The United States is also in free association with three Pacific Island sovereign states: the Federated States of Micronesia, the Marshall Islands, and the Republic of Palau. It is the world's third-largest country by both land and total area. It shares land borders with Canada to its north and with Mexico to its south and has maritime borders with the Bahamas, Cuba, Russia, and other nations. With a population of over 333 million, it is the most populous country in the Americas and the third most populous in the world. The national capital of the United States is Washington, D.C. and its most populous city and principal financial center is New York City. Paleo-Americ ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Vermont
Vermont () is a state in the northeast New England region of the United States. Vermont is bordered by the states of Massachusetts to the south, New Hampshire to the east, and New York to the west, and the Canadian province of Quebec to the north. Admitted to the union in 1791 as the 14th state, it is the only state in New England not bordered by the Atlantic Ocean. According to the 2020 U.S. census, the state has a population of 643,503, ranking it the second least-populated in the U.S. after Wyoming. It is also the nation's sixth-smallest state in area. The state's capital Montpelier is the least-populous state capital in the U.S., while its most-populous city, Burlington, is the least-populous to be a state's largest. For some 12,000 years, indigenous peoples have inhabited this area. The competitive tribes of the Algonquian-speaking Abenaki and Iroquoian-speaking Mohawk were active in the area at the time of European encounter. During the 17th century, Fr ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
British Dependent Territory
The British Overseas Territories (BOTs), also known as the United Kingdom Overseas Territories (UKOTs), are fourteen territories with a constitutional and historical link with the United Kingdom. They are the last remnants of the former British Empire and do not form part of the United Kingdom itself. The permanently inhabited territories are internally self-governing, with the United Kingdom retaining responsibility for defence and foreign relations. Three of the territories are inhabited only by a transitory population of military or scientific personnel. All but one of the rest are listed by the UN Special Committee on Decolonization as non-self-governing territories. All fourteen have the British monarch as head of state. three territories (the Falkland Islands, Gibraltar and the Sovereign Base Areas of Akrotiri and Dhekelia on the island of Cyprus) are the responsibility of the minister of state for Europe and the Americas; the minister responsible for the remaini ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Jersey
Jersey ( , ; nrf, Jèrri, label= Jèrriais ), officially the Bailiwick of Jersey (french: Bailliage de Jersey, links=no; Jèrriais: ), is an island country and self-governing Crown Dependency near the coast of north-west France. It is the largest of the Channel Islands and is from the Cotentin Peninsula in Normandy. The Bailiwick consists of the main island of Jersey and some surrounding uninhabited islands and rocks including Les Dirouilles, Les Écréhous, Les Minquiers, and Les Pierres de Lecq. Jersey was part of the Duchy of Normandy, whose dukes became kings of England from 1066. After Normandy was lost by the kings of England in the 13th century, and the ducal title surrendered to France, Jersey remained loyal to the English Crown, though it never became part of the Kingdom of England. Jersey is a self-governing parliamentary democracy under a constitutional monarchy, with its own financial, legal and judicial systems, and the power of self-determination. Th ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Dubai International Financial Centre
The Dubai International Financial Centre (DIFC) is a special economic zone in Dubai covering , established in 2004 as a financial hub for companies operating throughout the Middle East, Africa and South Asia (MEASA) markets. DIFC is regulated by the Dubai Financial Services Authority, an independent regulator exclusive to the zone, and by its own court system, DIFC Courts, separate from the Emirate of Dubai's legal system and that of the federal government of the UAE. DIFC follows the common law framework and operates in English. The freezone houses financial institutions, and wealth funds in addition to retail and hotel space dedicated to the free zones. DIFC is one of Dubai's independent free-zones; it offers companies 100% ownership without the need for a local partner. DIFC offers clients a 50-year guarantee of zero taxes on corporate income and profits, complemented by the UAE's network of double taxation treaties. Independent jurisdiction The DIFC is an independent juris ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Qatar
Qatar (, ; ar, قطر, Qaṭar ; local vernacular pronunciation: ), officially the State of Qatar,) is a country in Western Asia. It occupies the Qatar Peninsula on the northeastern coast of the Arabian Peninsula in the Middle East; it shares its sole land border with Saudi Arabia to the south, with the rest of its territory surrounded by the Persian Gulf. The Gulf of Bahrain, an inlet of the Persian Gulf, separates Qatar from nearby Bahrain. The capital is Doha, home to over 80% of the country's inhabitants, and the land area is mostly made up of flat, low-lying desert. Qatar has been ruled as a hereditary monarchy by the House of Thani since Mohammed bin Thani signed a treaty with the British in 1868 that recognised its separate status. Following Ottoman rule, Qatar became a British protectorate in 1916, and gained independence in 1971. The current emir is Tamim bin Hamad Al Thani, who holds nearly all executive and legislative authority under the Constituti ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
British Virgin Islands
) , anthem = "God Save the King" , song_type = Territorial song , song = " Oh, Beautiful Virgin Islands" , image_map = File:British Virgin Islands on the globe (Americas centered).svg , map_caption = , mapsize = 290px , image_map2 = British Virgin Islands - Location Map (2013) - VGB - UNOCHA.svg , mapsize2 = 250px , subdivision_type = Sovereign state , subdivision_name = , established_title = , established_date = Dutch West Indies , established_title2 = British capture , established_date2 = 1672 , established_title3 = Cooper Island sold to UK , established_date3 = 1905 , established_title4 = Separate colony , established_date4 = 1960 , established_title5 = Autonomy , established_date5 = 1967 , official_languages = English , demonym = , capital = Road Town , coordinates = , largest_city = capital , ethnic_groups = 76.9% Black5.6% Hispanic5.4% White5.4% Mixed2.1% Indian4.6% other , ethnic_groups_year = 2010 , government_type = Parliamentary depe ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
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