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即使是季节性业务或具有明显的季节性倾向,作为承保人,也应该将其业务作为一个完整的周期去考虑,并根据其业务性质及可能会增加的风险程度,合理定价。许多行业都有其季节性商业周期,即随着季节变化,其业务会经历高峰和低谷,有的行业甚至每年只能营业几个月。保险公司能否针对不同的商业模式提供合理的保险保障呢?澳大利亚SURA商业保险公司的国内部经理Ian Fraragher认为保险行业在这方面向来缺乏灵活性。SURA公司是一家专门承保中
Even as a seasonal business or with a clear seasonal propensity, as an insurer, consider your business as a complete cycle and reasonably price it based on the nature of its business and the level of risk that may increase. Many industries have their seasonal business cycles, that is, their businesses experience peaks and valleys as the seasons change, and some industries can operate for only a few months per year. Can insurers provide reasonable insurance coverage for different business models? Ian Fraragher, national manager for SURA Commercial Insurance in Australia, believes the insurance industry has always been less flexible in this regard. SURA is a specialist underwriting