PREUZIMANJE RIZIKA I POSLOVA OSIGURANJA U REOSIGURANJU
OPERATIONAL RISK INSURANCE RELATED TO REINSURANCE

Summary/Abstract: Insurance companies in its operations meet the various risks that they indicate the need to seek safety. Taking a risk from clients is a threat for insurance companies in addition threaten them and other risks such as operational risk, investment, compliance with legislation and other risks. Insurers also are looking for safety and found them in solidarity and cohesion, solidarity and sharing risk among themselves through a system of reinsurance. Reinsurance its origin and persistence due to the fact that no one insurance company can not or does not want to alone carry all the risks which took over. Also, none of the national insurance market does not retain all taken risks, than they are partially transferred to the global reinsurance market. In other words, reinsurance as an instrument of additional risk diversification is an unavoidable need of every insurance company and an important part of each of the insurance market. Insurance company are reinsured by one reinsurer, and this reinsurer passed on, not one, but dozens of reinsurers - each only a few percent or even parts per thousand of risk. This significantly reduces the so-called liquidity risk of insurers ie risk that reinsurer will not be financially able to pay a great damage because the risk is not on one, but on dozens of reinsurers. Insurers whose portfolios are exposed to catastrophic events such as storms, floods, fires and earthquakes, have a strong need for reinsurance coverage by larger and stronger, economically powerful reinsurance companies or hauses.

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