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self-insured retention

Polish translation: wysokość ryzyka zatrzymanego

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GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
English term or phrase:self-insured retention
Polish translation:wysokość ryzyka zatrzymanego
Entered by: makawa
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05:54 May 17, 2005
English to Polish translations [PRO]
Law/Patents - Insurance
English term or phrase: self-insured retention
self-insured retention: 100.000 in respect of each and every Business Interruption Claim
makawa
Local time: 17:59
wysoko¶ć ryzyka zatrzymanego przez samoubezpieczonego:
Explanation:
propozycja

retention - zachowanie czę¶ci ryzyka przez ubezpieczyciela głównego
retention policy - polisa ubezpieczenia z udziałem własnym ubezpieczonego
self-insurance - samoubezpieczenie
P.Ratajczak Słownik Podatki Cła Ubezpieczenia


Tu trochę wyja¶nień:
Property & Casualty Claims
Like workers' compensation claims, the self-insured has a right of subrogation in property and casualty claims. However, unlike workers' compensation claims, the self-insureds' right of subrogation in property and casualty claims is equitable, not statutory. The distinction between a statutory right of subrogation and equitable subrogation may be negligible for the self-insured. With property and casualty subrogation, like workers' compensation subrogation, the key to making a successful subrogation recovery depends upon the investigation conducted by the self-insured. Immediate subrogation investigation is especially important in fire cases where the origin of the fire may be altered almost immediately after the fire is extinguished. Valuable evidence can be destroyed or lost within hours after a fire. Cargo and inland marine claims can occur virtually anywhere. In these cases, it is vitally important to obtain subrogation counsel and the appropriate experts immediately to visit the scene of the loss before it is altered and before evidence is removed. Many companies now have a very high self-insured retention on their property and casualty insurance policies in order to lower their yearly premiums for this coverage. As a result, many property and casualty claims will fall within the self-insured entity's self-insured retention. Although the company's insurance carrier may investigate the claim, the carrier faces no exposure if the amount of the claim falls within the self-insured retention. As such, it may have limited motivation to evaluate and investigate subrogation potential adequately, and this responsibility then falls on General Counsel.

http://www.mwl-law.com/articles22728.htm

Termin "samoubezpieczenie" zawiera w sobie sprzeczno¶ć. Jak bowiem jest możliwe ubezpieczenie się u samego siebie, je¶li istot± ubezpieczenia jest przekazanie ryzyka wyst±pienia szkody lub straty do kogo¶ innego - zwykle za pewn±, okre¶lan± indywidualnie składkę? To trochę tak jakby samego siebie po¶lubić. Je¶li jednak budz±cy pewne w±tpliwo¶ci termin samoubezpieczenia zast±pimy zatrzymaniem ryzyka - sama idea powinna okazać się nadzwyczaj interesuj±ca.

http://tinyurl.com/dglwm

--------------------------------------------------
Note added at 2 hrs 27 mins (2005-05-17 08:22:07 GMT)
--------------------------------------------------

ten samoubezpieczony to troche masło ma¶lane (po doczytaniu do końca polskiego linka), więc jeszcze jedna propozycja:

wysoko¶ć ryzyka zatrzymanego

tyle, bo samoubezpieczenie = zatrzymanie ryzyka

(tak to jest, jak się odpowiada przed wypiciem porannej kawy ;-)... )
Selected response from:

GingerR
Local time: 17:59
Grading comment
dzięki
4 KudoZ points were awarded for this answer

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Summary of answers provided
4 +1wysoko¶ć ryzyka zatrzymanego przez samoubezpieczonego:
GingerR


  

Answers


2 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +1
wysoko¶ć ryzyka zatrzymanego przez samoubezpieczonego:


Explanation:
propozycja

retention - zachowanie czę¶ci ryzyka przez ubezpieczyciela głównego
retention policy - polisa ubezpieczenia z udziałem własnym ubezpieczonego
self-insurance - samoubezpieczenie
P.Ratajczak Słownik Podatki Cła Ubezpieczenia


Tu trochę wyja¶nień:
Property & Casualty Claims
Like workers' compensation claims, the self-insured has a right of subrogation in property and casualty claims. However, unlike workers' compensation claims, the self-insureds' right of subrogation in property and casualty claims is equitable, not statutory. The distinction between a statutory right of subrogation and equitable subrogation may be negligible for the self-insured. With property and casualty subrogation, like workers' compensation subrogation, the key to making a successful subrogation recovery depends upon the investigation conducted by the self-insured. Immediate subrogation investigation is especially important in fire cases where the origin of the fire may be altered almost immediately after the fire is extinguished. Valuable evidence can be destroyed or lost within hours after a fire. Cargo and inland marine claims can occur virtually anywhere. In these cases, it is vitally important to obtain subrogation counsel and the appropriate experts immediately to visit the scene of the loss before it is altered and before evidence is removed. Many companies now have a very high self-insured retention on their property and casualty insurance policies in order to lower their yearly premiums for this coverage. As a result, many property and casualty claims will fall within the self-insured entity's self-insured retention. Although the company's insurance carrier may investigate the claim, the carrier faces no exposure if the amount of the claim falls within the self-insured retention. As such, it may have limited motivation to evaluate and investigate subrogation potential adequately, and this responsibility then falls on General Counsel.

http://www.mwl-law.com/articles22728.htm

Termin "samoubezpieczenie" zawiera w sobie sprzeczno¶ć. Jak bowiem jest możliwe ubezpieczenie się u samego siebie, je¶li istot± ubezpieczenia jest przekazanie ryzyka wyst±pienia szkody lub straty do kogo¶ innego - zwykle za pewn±, okre¶lan± indywidualnie składkę? To trochę tak jakby samego siebie po¶lubić. Je¶li jednak budz±cy pewne w±tpliwo¶ci termin samoubezpieczenia zast±pimy zatrzymaniem ryzyka - sama idea powinna okazać się nadzwyczaj interesuj±ca.

http://tinyurl.com/dglwm

--------------------------------------------------
Note added at 2 hrs 27 mins (2005-05-17 08:22:07 GMT)
--------------------------------------------------

ten samoubezpieczony to troche masło ma¶lane (po doczytaniu do końca polskiego linka), więc jeszcze jedna propozycja:

wysoko¶ć ryzyka zatrzymanego

tyle, bo samoubezpieczenie = zatrzymanie ryzyka

(tak to jest, jak się odpowiada przed wypiciem porannej kawy ;-)... )

GingerR
Local time: 17:59
Works in field
Native speaker of: Native in PolishPolish
PRO pts in category: 42
Grading comment
dzięki

Peer comments on this answer (and responses from the answerer)
agree  Stanislaw Czech, MCIL
3634 days
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