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普通責任準備金

English translation: unearned premium reserves

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06:50 Jun 3, 2010
Japanese to English translations [PRO]
Bus/Financial - Insurance
Japanese term or phrase: 普通責任準備金
Is there a standard translation for 普通 in this context?

The insurer Zurich calls 普通責任準備金 "unearned premium reserves." Is "unearned" common for 普通 in this case?

Thank you.
avaaid
Local time: 09:55
English translation:unearned premium reserves
Explanation:
https://www.zurich.co.jp/aboutus/report/pdf/ZURICH_P33_P56_0...

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Note added at 13 mins (2010-06-03 07:04:29 GMT)
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責任準備金
将来生じうる保険契約上の債務に対して保険会社が積み立てる準備金を言います。これには、決算期後に残された保険期間に備えて積み立てる「普通責任準備金」と異常災害損失に備えて積み立てる「異常危険準備金」のほか、積立保険(貯蓄型保険)においては、満期返れい金、契約者配当金としてお返しすべき、保険料中の払い戻し部分、およびその運用益を積み立てる「払戻積立金」「契約者配当準備金」があります。
http://www.ioi-sonpo.co.jp/Kojin/Words/

普通責任準備金
普通責任準備金とは、決算日現在に対する将来の保険金支払に備えて、予め積立てておく準備金のことををあらわします。

次年度以降に発生すると予想される損害に対する保険金の支払義務をつつがなく履行するために、
地震、自賠責保険を除く、すべての種目で末経過保険料、
または初年度収支残のいずれか大きい金額を責任準備金の一つとして積立てます。
これには、次年度以降の保険金支払に対応する保険料を積立てる普通責任準備金と、
積立保険において満期返戻金・契約者配当金の支払にそなえるための「払戻積立金」、「契約者配当準備金」、
異常な大災害に備える為の「異常危険準備金」などの準備金があります。
http://保険.とは.biz/普通責任準備金.html

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Note added at 23 mins (2010-06-03 07:14:02 GMT)
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Insurance Dictionary:Unearned Premium Reserve
Fund that contains the portion of the premium that has been paid in advance for insurance that has not yet been provided. For example, if a business pays an annual premium of $1000 on January 1, the money is not earned by the insurer until the insurance coverage has been provided. On July 1, $500 would have been earned and $500 would remain as unearned premium, belonging to the policyholder. If either party cancels the contract, the insurer must have the unearned premium ready to refund. For this reason, insurance regulators require that insurers maintain an unearned premium reserve so that, in the event an insurer must be liquidated, there is enough money to pay claims and refund the unearned premium. Because computations for individual policies would be cumbersome, regulators have devised formulas for figuring unearned premium reserves
http://www.answers.com/topic/unearned-premium-reserve

http://moneyterms.co.uk/unearnedpremiumreserve/

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Note added at 24 mins (2010-06-03 07:15:13 GMT)
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http://www.allbusiness.com/glossaries/reinsurance-reserve-un...
Selected response from:

cinefil
Japan
Local time: 00:55
Grading comment
Thank you for the response and all of the helpful links. FYI, it turns out that in this particular document "ordinary underwriting reserve" was the right term.
3 KudoZ points were awarded for this answer



Summary of answers provided
4unearned premium reserves
cinefil


  

Answers


11 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5
unearned premium reserves


Explanation:
https://www.zurich.co.jp/aboutus/report/pdf/ZURICH_P33_P56_0...

--------------------------------------------------
Note added at 13 mins (2010-06-03 07:04:29 GMT)
--------------------------------------------------

責任準備金
将来生じうる保険契約上の債務に対して保険会社が積み立てる準備金を言います。これには、決算期後に残された保険期間に備えて積み立てる「普通責任準備金」と異常災害損失に備えて積み立てる「異常危険準備金」のほか、積立保険(貯蓄型保険)においては、満期返れい金、契約者配当金としてお返しすべき、保険料中の払い戻し部分、およびその運用益を積み立てる「払戻積立金」「契約者配当準備金」があります。
http://www.ioi-sonpo.co.jp/Kojin/Words/

普通責任準備金
普通責任準備金とは、決算日現在に対する将来の保険金支払に備えて、予め積立てておく準備金のことををあらわします。

次年度以降に発生すると予想される損害に対する保険金の支払義務をつつがなく履行するために、
地震、自賠責保険を除く、すべての種目で末経過保険料、
または初年度収支残のいずれか大きい金額を責任準備金の一つとして積立てます。
これには、次年度以降の保険金支払に対応する保険料を積立てる普通責任準備金と、
積立保険において満期返戻金・契約者配当金の支払にそなえるための「払戻積立金」、「契約者配当準備金」、
異常な大災害に備える為の「異常危険準備金」などの準備金があります。
http://保険.とは.biz/普通責任準備金.html

--------------------------------------------------
Note added at 23 mins (2010-06-03 07:14:02 GMT)
--------------------------------------------------

Insurance Dictionary:Unearned Premium Reserve
Fund that contains the portion of the premium that has been paid in advance for insurance that has not yet been provided. For example, if a business pays an annual premium of $1000 on January 1, the money is not earned by the insurer until the insurance coverage has been provided. On July 1, $500 would have been earned and $500 would remain as unearned premium, belonging to the policyholder. If either party cancels the contract, the insurer must have the unearned premium ready to refund. For this reason, insurance regulators require that insurers maintain an unearned premium reserve so that, in the event an insurer must be liquidated, there is enough money to pay claims and refund the unearned premium. Because computations for individual policies would be cumbersome, regulators have devised formulas for figuring unearned premium reserves
http://www.answers.com/topic/unearned-premium-reserve

http://moneyterms.co.uk/unearnedpremiumreserve/

--------------------------------------------------
Note added at 24 mins (2010-06-03 07:15:13 GMT)
--------------------------------------------------

http://www.allbusiness.com/glossaries/reinsurance-reserve-un...

cinefil
Japan
Local time: 00:55
Native speaker of: Native in JapaneseJapanese
PRO pts in category: 38
Grading comment
Thank you for the response and all of the helpful links. FYI, it turns out that in this particular document "ordinary underwriting reserve" was the right term.
Notes to answerer
Asker: Thank you very much, cinefil-san.

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