WorldWideScience

Sample records for cargo insurance

  1. 48 CFR 52.228-9 - Cargo Insurance.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 2 2010-10-01 2010-10-01 false Cargo Insurance. 52.228-9... Insurance. As prescribed in 28.313(a), insert the following clause: Cargo Insurance (MAY 1999) (a) The..., cargo insurance of $_____ per vehicle to cover the value of property on each vehicle and of $_____...

  2. CARGO INSURANCE. TOTAL LOSS UNDER NORWEGIAN, ENGLISH AND RUSSIAN LAW

    OpenAIRE

    Evstigneeva, Anastasia

    2015-01-01

    This Master Thesis was created because of great personal interest towards marine insurance as such ans cargo insurance in particular. The purpose of this work is to give a proper overview of three legal fields - Norwegian, English and Russian Law. Cargo insurance is of no doubts tremendously important nowadays. How often do people consider where the goods they use daily are coming from? Some tea from India, a new phone form Japan, household appliances from Germany. All these goods were made l...

  3. 48 CFR 752.228-9 - Cargo insurance.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Cargo insurance. 752.228-9... insurance. As prescribed in 728.313(a), the following preface is to be used preceding the text of the clause at FAR 52.228-9: Preface: To the extent that marine insurance is necessary or appropriate under...

  4. 46 CFR 308.551 - War risk insurance clearing agency agreement for cargo, Form MA-321.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false War risk insurance clearing agency agreement for cargo... EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iv-General § 308.551 War risk insurance... domestic insurance companies authorized to do a marine insurance business in any State of the United...

  5. Insurance of tanker and bulk oil cargo against war risks in the Arab insurance market

    International Nuclear Information System (INIS)

    This article addresses war risks insurance, and war risks insurance in the Arab insurance market. The setting up of the Arab War Risks Insurance Syndicate in 1979, the Syndicate's targeted areas, insurance against war risks, and war on land cover are discussed in detail. (UK)

  6. 75 FR 35318 - Cargo Insurance for Property Loss or Damage

    Science.gov (United States)

    2010-06-22

    ... insurance requirements for freight forwarders in 1944 (9 FR 14548, December 13, 1944). These requirements... Notice of Proposed Rulemaking (NPRM) designed to implement this new system (70 FR 28990, May 19, 2005....; National Industrial Transportation League; Sysco Corporation; Wal-Mart Transportation, LLC;...

  7. The role of the broker and insurance of oil cargoes in the market

    International Nuclear Information System (INIS)

    This article considers Lloyd's insurance brokers and their code of practice which covers their conduct, the need to meet the insurance requirements of clients, and the stipulation that advertisement should not be inaccurate. The Institute Bulk Oil Clauses 1983 and the American SP13C Clauses 1962, categories of clients and insurance markets are discussed. (UK)

  8. The insurance of bulk oil cargoes and adjustment of shortage claims

    International Nuclear Information System (INIS)

    Shortage claims discussed in this article include those due to a definite disaster such as a fire, those due to cargo contamination and storage, and those identified in documentation as occurring between loading and unloading. The principal types of cover are examined, and the distinction between gross and net quantities, claim documentation, the petroleum measurement tables, and guaranteed out turn cover are described in detail. (UK)

  9. 46 CFR 308.512 - Declaration of shipments under Open Cargo Policy.

    Science.gov (United States)

    2010-10-01

    ... OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Ii-Open Policy War Risk Cargo Insurance § 308.512... shipments and a closing report for all outward shipments, and pay the premium and fees, for all...

  10. INHERENT VICE & INSUFFICIENT PACKING CLAUSES FOR ALL RISKS INSURANCE POLICIES UNDER BRITISH INSTITUTE CARGO CLAUSES : legal issues arising from claims of loss during sea transportation of large technical equipments

    OpenAIRE

    2010-01-01

    Analysis and presentation of this thesis is supported by studies of many relevant cases where the major arguments are set around the exclusion clauses concerning the ‘all risks cover’ policy as found in Institute Cargo Clauses. Two cases are especially emphasized, namely Mayban General Assurance BHD v. Alstom Power Plants Ltd. and Global Process Systems Inc v. Syarikat Takaful Malaysia Berhad , mainly because of the special nature of the subject matter insured in these cases. The legal i...

  11. 46 CFR 308.549 - Application for appointment of Cargo Underwriting Agent, Form MA-319.

    Science.gov (United States)

    2010-10-01

    ... EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iv-General § 308.549 Application for appointment of Cargo Underwriting Agent, Form MA-319. Any domestic insurance company authorized to do a marine insurance business in any State of the United States may apply for appointment as a Cargo Underwriting...

  12. 46 CFR 308.501 - Cargoes on which coverage is available.

    Science.gov (United States)

    2010-10-01

    ... INSURANCE War Risk Cargo Insurance I-Introduction § 308.501 Cargoes on which coverage is available. The Maritime Administrator will be prepared to provide marine insurance against loss or damage by the risks of... Merchant Marine Act, 1936, as amended (46 App. U.S.C. 1281(a)); (b) Shipped or to be shipped on any...

  13. 46 CFR 308.502 - Additional insurance.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Additional insurance. 308.502 Section 308.502 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance I-Introduction § 308.502 Additional insurance. The assured may place increased value...

  14. 46 CFR 308.548 - Standard form of underwriting agency agreement for cargo, Form MA-318.

    Science.gov (United States)

    2010-10-01

    ... agreements executed by the Maritime Administrator and domestic insurance companies authorized to do a marine insurance business in any State of the United States, appointing such companies as Underwriting Agents to... EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iv-General § 308.548 Standard form...

  15. Maritime Insurance. On Damage and Means of Coverage

    OpenAIRE

    Pandele Adina Laura

    2011-01-01

    Maritime transport can not be conceived outside the protection offered by insurers. Maritime insurance offers protection to maritime vessels and their cargoes, contributes to the development of maritime transport and, implicitly, to international trade development.

  16. 46 CFR 154.534 - Cargo pumps and cargo compressors.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo pumps and cargo compressors. 154.534 Section 154... Equipment Cargo and Process Piping Systems § 154.534 Cargo pumps and cargo compressors. Cargo pumps and cargo compressors must shut-down automatically when the quick-closing shut-off valves under §§...

  17. Institute Cargo Clauses : Nova verzija 2009.

    OpenAIRE

    Lovrić, Ivana

    2012-01-01

    Institute Cargo Clauses, 2009. znače izmijenjene i dopunjene Institute Cargo Clauses iz 1982. Osnovni razlozi za reviziju prijašnjih uvjeta leže u pojavi novih rizika, potrebi da se uvjeti kargo osiguranja prilagode promjenama u suvremenom transportnom sustavu te jezično i terminološki osuvremene. Novi uvjeti donose niz rješenja koja znače modernizaciju u odnosu na rješenja Marine Insurance Acta iz 1906. Redaktori novih uvjeta vodili su računa i o tome da pojedine odredbe budu jasnije form...

  18. Trajanje osiguranja prema Institute Cargo Clauses (2009.)

    OpenAIRE

    Petrinović, Ranka; Lovrić, Ivana

    2012-01-01

    Institute Cargo Clauses iz 2009. zapravo su izmjene i dopune Institute Cargo Clauses iz 1982. Osnovni su razlozi za reviziju prijašnjih uvjeta u pojavi novih rizika, potrebi da se uvjeti kargo-osiguranja prilagode promjenama u suvremenome transportnom sustavu te jezično i terminološki osuvremene. Novi uvjeti donose više rješenja koja znače modernizaciju u usporedbi s onima u Marine Insurance Acta iz 1906., pa se prezentiraju kao klauzule za novo tisućljeće. Među bitnim promjenama koje donose ...

  19. Insurance frauds

    OpenAIRE

    Lešková, Michaela

    2014-01-01

    This bachelor's thesis deals with the insurance fraud issue. The theoretical part of this paper work describes the characteristics of the insurance fraud, its classification which is extend of committing insurance fraud in insurance products of life insurance and non-life insurance. I illustrate some groups of insurance products by using the graphs, which will continue to the practical part of the work. In this part I focus mainly on how clients of Insurance Company feel about insurance fraud...

  20. Life insurance

    OpenAIRE

    Topič, Jakub

    2009-01-01

    The topic of this bachelor's project is life insurance. The theoretical part consists of literary research focussed not only on life insurance. The research begins with general introduction to the insurance issue, the basic division of insurance, its rules of law and as well some historical facts. The rest of the theoretical part is focussed on life insurance, where we can find basic division of life insurance, description of particular insurance types and various supplementary insurances. In...

  1. Research on marine carrier's insurable interest of the cargo liability --with suggestions to revise Article 44 of Maritime Code of the People's Republic of China%海上承运人对货物责任保险利益有关问题研究——兼论对《中华人民共和国海商法》第44条规定的修改

    Institute of Scientific and Technical Information of China (English)

    李兆良

    2011-01-01

    分析探讨因对海上承运人承运货物责任保险利益的不同理解所引发的承保、适用保险条款、隐名保险等问题,澄清《中华人民共和国海商法》第44条“保险利益”规定引起的歧义,提出对第44条规定的修改意见。%This article discussed such issue as the marine carrier's insurable interest of the cargo liability, underwriting of carrier's cargo liability, application of relevant insurance clauses, undisclosed insurance etc., clarified the disputes arising from the meaning of "benefit of insurance" provided for in Article 44 of the Maritime Code of the People's Republic of China and suggesting for the revision of Article 44 was given afterwards.

  2. About Insurance.

    Science.gov (United States)

    Pieslak, Raymond F.

    The student manual for high school level special needs students was prepared to acquaint deaf students with the various types of insurance protection that will be available to them in their future life. Seven units covering the topics of what insurance is, automobile insurance, life insurance, health insurance, social security, homeowner's…

  3. Charterer's Liability Insurance : A Type of Marine Insurance

    OpenAIRE

    2007-01-01

    The “charterer’s liability insurance” is a type of marine insurance. Most ships are chartered either on a time charter or voyage charter contract. In both cases the charterer assumes liabilities towards the shipowner because of damage caused to the ship in the course of cargo-handling or because of damage resulting from an unsafe port or berth. And also, the charterer becomes liable similarly to the shipowner, with P&I liability to cargo, pollution claims and etc. All charterers require cover...

  4. Groupage Cargo Transportation Model

    OpenAIRE

    Aleksejevs Ruslans; Guseinovs Raufs; Medvedev Alexander N.; Guseynov Sharif E.

    2016-01-01

    In this work we consider a specific problem of optimal planning of maritime transportation of multiproduct cargo by ships of one (corporate strategy) or several (partially corporate strategy) companies: the core of the problem consists of the existence of the network of intermediate seaports (i.e. transitional seaports), where for every ship arrived the cargo handling is done, and which are situated between the starting and the finishing seaports. In this work, there are mathematical models b...

  5. Report on the 2011 and 2012 NASA Ames Research Center (ARC) / Alaska State Cargo Airship Workshops

    Science.gov (United States)

    Hochstettler, Ronald

    2012-01-01

    This presentation will summarize the Cargo Airships for Northern Operations workshop that was held August 24-25, 2011. This workshop co-sponsored by NASA ARC and the Alaska State Department of Transportation was initiated by interest from Alaska Lt. Governor Mead Treadwell for assistance in investigating the potential benefits of proposed cargo airships for the Alaskan economy and societal needs. The workshop provided a brief background on the technology and operational aspects of conventional airships and hybrids followed by presentations on issues affecting cargo airship operations such as weather management, insurance, regulations, crew duty/rest rules, and available support infrastructures. Speakers representing potential cargo airship users from Alaskan State and commercial organizations presented the needs they felt could be met by cargo airship services. Presenters from Canadian private and military interests also detailed applications and missions that cargo airships could provide to remote regions of Canada. Cost drivers of cargo airship operations were also addressed and tools for modeling and analyzing operational factors and costs affecting cargo airship operations were discussed. Four breakout sessions were held which allowed workshop participants to contribute inputs to four topic areas: Business Approaches and Strategies (financing incentives public/private partnerships etc) for Airship Development and Operation, Design, Development, Production Challenges, and Possible Solutions, Regulatory, Certification, Legal, and Insurance Issues, and Operational Issues, Customer Requirements, and Airship Requirements. A follow on to the 2011 cargo airship workshop is being planned for July 31 August 2, 2012. A status update on this second workshop will also be presented.

  6. Groupage Cargo Transportation Model

    Directory of Open Access Journals (Sweden)

    Aleksejevs Ruslans

    2016-03-01

    Full Text Available In this work we consider a specific problem of optimal planning of maritime transportation of multiproduct cargo by ships of one (corporate strategy or several (partially corporate strategy companies: the core of the problem consists of the existence of the network of intermediate seaports (i.e. transitional seaports, where for every ship arrived the cargo handling is done, and which are situated between the starting and the finishing seaports. In this work, there are mathematical models built from scratch in the form of multicriteria optimization problem; then the goal attainment method of Gembicki is used for reducing the built models to a one-criterion problem of linear programming.

  7. 46 CFR 154.315 - Cargo pump and cargo compressor rooms.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo pump and cargo compressor rooms. 154.315 Section... Equipment Ship Arrangements § 154.315 Cargo pump and cargo compressor rooms. (a) Cargo pump rooms and cargo compressor rooms must be above the weather deck and must be within the cargo area. (b) Where pumps...

  8. Health Insurance

    Science.gov (United States)

    Health insurance helps protect you from high medical care costs. It is a contract between you and ... Many people in the United States get a health insurance policy through their employers. In most cases, ...

  9. Sickness insurance

    OpenAIRE

    Mráčková, Věra

    2011-01-01

    "Sickness insurance" was selected as a theme of this bachelor work. The first part of this work focuses on the general conditions of the health insurance in the Czech Republic, including the current legislation and the identification of the institutions such as Czech Social Security Administration. In addition it focuses on the range of insured persons and of the detailed description of health insurance benefits, sick-benefits, nursing care, maternity benefits and compensatory allowance durin...

  10. Insurance crisis

    International Nuclear Information System (INIS)

    The article discusses the effects of financing and technology advances on the availability of insurance for independent power producers operating gas turbines. Combined cycle units which require new materials and processes make it difficult to assess risk. Insurers are denying coverage, or raising prices and deductibles. Many lenders, however, are requiring insurance prior to financing. Some solutions proposed include information sharing by industry participants and insurers and increased risk acceptance by plant owners/operators

  11. INSURANCE GUARANTEE

    OpenAIRE

    Stanescu Catalin-Florinel; Simion Mircea-Laurentiu

    2013-01-01

    Providing security is designed to reduce uncertainty in the credit granting, offers a service or goods entrusted to a third persoane.Acest type of financial risk insurance is different from celelelte by the person who pays the insurance premium is not entitled direct insurance.

  12. Nuclear insurance

    International Nuclear Information System (INIS)

    The yearbook contains among others the figures of the nuclear insurance line. According to these these the DKVG (German nuclear power plant insurance association) has 102 member insurance companies all registered in the Federal Republic of Germany. By using reinsurance capacities of the other pools at present property insurance amounts to 1.5 billion DM and liability insurance to 200 million DM. In 1991 the damage charges on account of DKV amounted to 3.1 (1990 : 4.3) million DM. From these 0.6 million DM are apportioned to payments and 2.5 million DM to reserves. One large damage would cost a maximum gross sum of 2.2 billion DM property and liability insurance; on account of DKVG 750 million DM. (orig./HSCH)

  13. Captive insurance

    OpenAIRE

    Ambrosová, Simona

    2011-01-01

    This thesis has as its main goal the objective analysis of the potential for captive insurance risk management in specific situations and market analysis of captive insurance. It uses a description of the history and development of this sector, addressing the advantages and disadvantages, which helps to reflect on the usefulness of this tool. Furthermore, the analysis of that market, location options of captive insurance companies and types of captives are described here as well. A large part...

  14. Nuclear insurance

    International Nuclear Information System (INIS)

    The DKVG (German nuclear power plant insurance association) has 104 member insurance companies, all registered in the Federal Republic of Germany. In 1991, the inland portfolio of the DKVG covered 21 contracts in the property insurance sector, and 22 contracts in the nuclear liability sector. There will be no new nuclear power plants to be insured in the Federal Republic of Germany within the foreseeable future. The home business in 1991 remained claim-free, as in the year before. The overall loss ratio went down to 2.9 per cent, after it had been 15.4 per cent in 1989. This very low loss ratio of 2.9 per cent should not deviate from the fact that nuclear insurers always have to reckon with a substantial damage. Such an event at present would cost them a maximum gross sum of DM 1.7 million, which would mean DM 730 million on account of DKVG. (orig./HSCH)

  15. Cargo-cult training

    Science.gov (United States)

    Magueijo, João

    2009-12-01

    Richard Feynman, in one of his famous rants, evoked as a metaphor what he called "cargo-cult science". During the Second World War, the indigenous people of the South Pacific became accustomed to US Air Force planes landing on their islands, invariably bringing a profusion of desirable goods and tasty foods. When the war ended, they were distressed by the discontinuation of this popular service. So, they decided to take action. They cleared elongated patches of land to make them look like runways. They lit wood fires where they had seen electric floodlights guiding in the planes. They built a wooden shack and made a man sit inside with two halves of a coconut on each ear and bamboo bars sticking out like antennas: he was the "air controller". And they waited for the planes to return.

  16. Nuclear insurance

    International Nuclear Information System (INIS)

    The annual report presents among other things the figures of the nuclear insurance line. The Association of Nuclear Insurers in the F.R.G., the DKVG, counts more than 100 member companies in the year 1989, who offer reinsurance protection for West German nuclear power stations up to DM 1.5 billions in the property insurance sector, and up to DM 200 millions in the nuclear liability sector. The inland portfolio of the DKVG' covers 22 nuclear power stations. The expenses to satisfy claims in 1988 amounted to DM 9 millions. (HP)

  17. Pension insurance

    OpenAIRE

    Procházková, Olga

    2010-01-01

    My diplom thesis focuses on the pension system in the Czech Republic because the additional pension insurance is a part of it. It briefly characterizes the current state of the pension system, especially of 1st pillar, with focus on its problems caused by the worsening demographic development of the population. Based on that, the current pension system in the Czech Republic is becoming unsustainable. I am also mentioning the basis principals of the pension insurance structure in developed Eur...

  18. Operational efficiency in STS cargo processing

    Science.gov (United States)

    Wilson, R. E.

    1985-01-01

    A multifaceted program is presented that addresses both the operational aspects of Shuttle-cargo integration and the needs of the STS Cargo Community. The program consists of the following key elements: (1) processing team awareness of cargo needs and requirements; (2) standardization of Orbiter preparation and cargo integration procedures and methods; (3) maximum application of state-of-the-art ADP techniques in all relevant areas; (4) continual review of cargo integration facility and ground system capabilities versus requirements and enhancement; (5) continual assessment of proposed cargo processing changes for safety and other needs; and (6) review of cargo processing philosophies, policies, and concepts for potential improvements.

  19. Model of informational system for freight insurance automation based on digital signature

    Directory of Open Access Journals (Sweden)

    Maxim E. SLOBODYANYUK

    2009-01-01

    Full Text Available In the article considered a model of informational system for freight insurance automation based on digital signature, showed architecture, macro flowchart of information flow in model, components (modules and their functions. Described calculation method of costs on interactive cargo insurance via proposed system, represented main characteristics and options of existing transport management systems, conceptual cost models.

  20. Nuclear insurance

    International Nuclear Information System (INIS)

    The German Nuclear Power Plant Insurance (DKVG) Association was able to increase its net capacity in property insurance to 637 million marks in 1993 (1992: 589 million). The reinsurance capacity of the other pools included, the total amount covered now amounts to 2 billion marks in property incurance and 200 million marks in liability incurance. As in the year before the pool can reckon with a stable gross premium yield around 175 million marks. The revival of the US dollar has played a decisive role in this development. In 1993 in the domestic market, the DKVG offered policies for 22 types of property risk and 43 types to third-party risk, operating with a gross target premium of 65 million marks and 16 million marks, respectively. The DKVG also participated in 540 foreign insurance contracts. (orig./HSCH)

  1. Health Insurance Basics

    Science.gov (United States)

    ... Can I Help a Friend Who Cuts? Health Insurance Basics KidsHealth > For Teens > Health Insurance Basics Print ... advanced calculus was confusing. What Exactly Is Health Insurance? Health insurance is a plan that people buy ...

  2. Chinese Space Insurance Opportunities

    Institute of Scientific and Technical Information of China (English)

    LiuJie

    2005-01-01

    Jiang Tai Insurance Broker Co., Ltd and China Pacific Insurance (group) Co., Ltd jointly held a conference on Space and Space Insurance on January 13 and 14, 2005. About 50 representatives from 30 domestic insurance companies attended the event.

  3. Insurer vs. Insurance Fraud: Characteristics and Detection

    OpenAIRE

    Jerry D. Todd; Sandra T. Welch; Orion J. Welch; Holmes, Sarah A

    1999-01-01

    Despite concern over insurance fraud by customers, the federal Insurance Fraud Prevention Act primarily targets internal fraud, or insurer fraud, in which criminal acts such as embezzlement could trigger an insurer’s insolvency, rather than fraud perpetrated by policyholders such as filing false or inflated claims—insurance fraud. This study investigates whether insurers’ weapons against insurance fraud are also used effectively to combat insurer fraud.

  4. 49 CFR 1544.228 - Access to cargo and cargo screening: Security threat assessments for cargo personnel in the...

    Science.gov (United States)

    2010-10-01

    ... threat assessments for cargo personnel in the United States. 1544.228 Section 1544.228 Transportation... COMMERCIAL OPERATORS Operations § 1544.228 Access to cargo and cargo screening: Security threat assessments... paragraph (b) of this section— (1) Each individual must successfully complete a security threat...

  5. 46 CFR 153.908 - Cargo viscosity and melting point information; measuring cargo temperature during discharge...

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo viscosity and melting point information; measuring... Cargo viscosity and melting point information; measuring cargo temperature during discharge: Categories... lading, a written statement of the following: (1) For Category A or B NLS, the cargo's viscosity at 20...

  6. 46 CFR 154.1810 - Cargo manual.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo manual. 154.1810 Section 154.1810 Shipping COAST... SELF-PROPELLED VESSELS CARRYING BULK LIQUEFIED GASES Operations § 154.1810 Cargo manual. (a) No person... navigable waters of the United States, or a U.S. flag vessel, unless the vessel has on board a cargo...

  7. 46 CFR 153.907 - Cargo information.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo information. 153.907 Section 153.907 Shipping... Information § 153.907 Cargo information. (a) The master shall ensure that the following information for each... process for the vessel. (b) The master shall make sure that the following information for cargoes...

  8. Determination of high-risk cargo

    Science.gov (United States)

    Morris, Leo A.; Smith, Douglas E.; Khan, Siraj M.

    1994-10-01

    The approach and methodology used in the determination of the type of cargo containing concealments of commercial quantities of narcotics such as cocaine and heroin is described. This high-risk cargo enters the United States through border crossings at land, seaports and airports. The volume and variety of cargos make it a complex and challenging task for the U.S. Customs Service.

  9. HEALTH INSURANCE

    CERN Multimedia

    Division HR

    2000-01-01

    Change of name for AUSTRIA As of October 1, the AUSTRIA Assurances S.A. company will change its name to: UNIQA Assurances S.A. It inherits the same name as its parent Austrian company, which adopted it towards the end of 1999. This change has no effect on the contract which binds it to CERN for the administration of our Health Insurance Scheme. New insurance cards will be sent to you by UNIQA and the printed forms and envelopes will gradually be updated with the new name. Postal and phone addresses remain unaffected by the change. You should address your postal mail to: UNIQA Assurances rue des Eaux Vives 94 case postale 6402 1211 Genève 6 You may telephone your usual contact persons at the same numbers as before and send e-mails to the UNIQA office at CERN at: UNIQA.Assurances@cern.ch

  10. Cargo-shell and cargo-cargo couplings govern the mechanics of artificially loaded virus-derived cages

    Science.gov (United States)

    Llauró, Aida; Luque, Daniel; Edwards, Ethan; Trus, Benes L.; Avera, John; Reguera, David; Douglas, Trevor; Pablo, Pedro J. De; Castón, José R.

    2016-04-01

    Nucleic acids are the natural cargo of viruses and key determinants that affect viral shell stability. In some cases the genome structurally reinforces the shell, whereas in others genome packaging causes internal pressure that can induce destabilization. Although it is possible to pack heterologous cargoes inside virus-derived shells, little is known about the physical determinants of these artificial nanocontainers' stability. Atomic force and three-dimensional cryo-electron microscopy provided mechanical and structural information about the physical mechanisms of viral cage stabilization beyond the mere presence/absence of cargos. We analyzed the effects of cargo-shell and cargo-cargo interactions on shell stability after encapsulating two types of proteinaceous payloads. While bound cargo to the inner capsid surface mechanically reinforced the capsid in a structural manner, unbound cargo diffusing freely within the shell cavity pressurized the cages up to ~30 atm due to steric effects. Strong cargo-cargo coupling reduces the resilience of these nanocompartments in ~20% when bound to the shell. Understanding the stability of artificially loaded nanocages will help to design more robust and durable molecular nanocontainers.Nucleic acids are the natural cargo of viruses and key determinants that affect viral shell stability. In some cases the genome structurally reinforces the shell, whereas in others genome packaging causes internal pressure that can induce destabilization. Although it is possible to pack heterologous cargoes inside virus-derived shells, little is known about the physical determinants of these artificial nanocontainers' stability. Atomic force and three-dimensional cryo-electron microscopy provided mechanical and structural information about the physical mechanisms of viral cage stabilization beyond the mere presence/absence of cargos. We analyzed the effects of cargo-shell and cargo-cargo interactions on shell stability after encapsulating two

  11. Export insurance

    International Nuclear Information System (INIS)

    These notes are intended as a general guide for the use of members of the Canadian Nuclear Association who are, or may become, involved in supplying goods or services or contracting/ erecting as part of a contract to supply a nuclear facility to an overseas country. They give information to the type of insurances needed and available, the parties normally responsible for providing the coverages, the intent and operation of the various policies, general methods of charging premiums, and main exclusions

  12. HEALTH INSURANCE

    CERN Multimedia

    2000-01-01

    The CERN-AUSTRIA Agreement, which implemented CERN's health insurance scheme, expired on 31 December 1999.In accordance with CERN's rules, a call for tenders for the management of the health insurance scheme was issued and the contract was once again awarded to AUSTRIA. In June 1999, the Finance Committee thus authorised the Management to conclude a new contract with AUSTRIA, which came into force on 1st January 2000.Continuity is thus assured on favourable conditions and the transition from one contract to the other will entail no substantial changes in the system for those insured at CERN except for a few minor and purely formal amendmentsWHAT REMAINS UNCHANGEDThe list of benefits, i.e. the 'cover' provided by the system, is not changed;Neither is the reimbursement procedure.AUSTRIA's office at CERN and its opening hours as well as its city headquarters remain the same. The envelopes containing requests for reimbursement have had to be sent (since the end of 1998) to :Rue des Eaux-Vives 94Case postale 64021...

  13. Cargo Assured Access to International Space Station

    Science.gov (United States)

    Smith, David A.

    2004-01-01

    Boeing's Cargo Assured Access logistics delivery system will provide a means to transport cargo to/from the International Space Station, Low Earth Orbit and the moon using Expendable Launch Vehicles. For Space Station, this capability will reduce cargo resupply backlog during nominal operations (e.g., supplement Shuttle, Progress, ATV and HTV) and augment cargo resupply capability during contingency operations (e.g., Shuttle delay and/or unavailability of International Partner launch or transfer vehicles). This capability can also provide an autonomous means to deliver cargo to lunar orbit, a lunar orbit refueling and work platform, and a contingency crew safe haven in support of NASA's new Exploration Initiative.

  14. Cargo-shell and cargo-cargo couplings govern the mechanics of artificially loaded virus-derived cages.

    Science.gov (United States)

    Llauró, Aida; Luque, Daniel; Edwards, Ethan; Trus, Benes L; Avera, John; Reguera, David; Douglas, Trevor; Pablo, Pedro J de; Castón, José R

    2016-04-28

    Nucleic acids are the natural cargo of viruses and key determinants that affect viral shell stability. In some cases the genome structurally reinforces the shell, whereas in others genome packaging causes internal pressure that can induce destabilization. Although it is possible to pack heterologous cargoes inside virus-derived shells, little is known about the physical determinants of these artificial nanocontainers' stability. Atomic force and three-dimensional cryo-electron microscopy provided mechanical and structural information about the physical mechanisms of viral cage stabilization beyond the mere presence/absence of cargos. We analyzed the effects of cargo-shell and cargo-cargo interactions on shell stability after encapsulating two types of proteinaceous payloads. While bound cargo to the inner capsid surface mechanically reinforced the capsid in a structural manner, unbound cargo diffusing freely within the shell cavity pressurized the cages up to ∼30 atm due to steric effects. Strong cargo-cargo coupling reduces the resilience of these nanocompartments in ∼20% when bound to the shell. Understanding the stability of artificially loaded nanocages will help to design more robust and durable molecular nanocontainers. PMID:27091107

  15. Green channel cargo inspection system

    International Nuclear Information System (INIS)

    A radiation detection device was installed in the lanes of a highway toll station, radioactive rays which was collimated emitted through the measured, and arrived the detector. The average density of the fresh agricultural products belonged to Green channel and other prohibited items vary greatly, the absorption of radiation are different between the Green Channel Cargo and other substances. Prior to the experimental group, different standard samples which represent different models and goods were measured, the different standard samples were stored in a computer database. When the trucks get through the Green Channel, the detector will detect the radiation signal and bring to the computer, the computer will process the measured data, and make a conclusion whether the goods are Green Channel cargo. (authors)

  16. Prescriptions and Insurance Plans

    Science.gov (United States)

    MENU Return to Web version Prescriptions and Insurance Plans Prescriptions and Insurance Plans Getting a prescription filled is usually easy. But because of the high cost of prescription medicines, most insurance ...

  17. Forestry Standardization & Forestry Insurance

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    @@ Forestry insurance of our country has developed slowly,of which the main difficulty lies in predicting and determining forestry risk,confirming the sum insured,raising the premiums, indemnity for property loss,coordinating forestry insurance and forestry protection,and lack of insurance legal system etc.With the implementation of forestry's standardized project,and overcoming effectively the technological obstacle existing in forestry's insurance,the development speed of forestry's insurance will be accelerated too.

  18. NWA Cargo Is Granted Additional Cargo Frequencies to China Four all-cargo frequencies per week granted by U.S. Department of Transportation

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    @@ NWA Cargo, the cargo division of Northwest Airlines, will expand its all-cargo freighter service between the United States and China after being awarded four additional frequencies per week by the U.S. Department of Transportation.

  19. Decommissioning: an insurance perspective

    International Nuclear Information System (INIS)

    The nuclear insurance pools, through American Nuclear Insurers (ANI) and the Mutual Atomic Energy Liability Underwriters (MAELU), have been providing third-party nuclear liability insurance to the nuclear industry since 1957. Third-party liability and property damage coverage resulting from the nuclear hazard are provided by separate insurance policies issued by the nuclear insurance pools. A liability insurer's view of decommissioning is addressed by discussing the following: insurer's perspective of potential nuclear liability; insurance claim experience and trends; objectives and accomplishments of ANI/MAELU's involvement with facility decommissioning; and important nuclear liability considerations for facility decommissioning

  20. Unemployment Insurance Query (UIQ)

    Data.gov (United States)

    Social Security Administration — The Unemployment Insurance Query (UIQ) provides State Unemployment Insurance agencies real-time online access to SSA data. This includes SSN verification and Title...

  1. Unemployment Insurance Management.

    Science.gov (United States)

    Pope, Daniel C.

    1979-01-01

    An insurance management system has the goal of minimizing unemployment insurance costs. Components of a model system should include general administration, claims management, and appeals process. (Author)

  2. 46 CFR 64.89 - Cargo pump unit.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 2 2010-10-01 2010-10-01 false Cargo pump unit. 64.89 Section 64.89 Shipping COAST... HANDLING SYSTEMS Cargo Handling System § 64.89 Cargo pump unit. (a) A cargo pump unit that fills or...) The cargo pump power unit must be— (1) Diesel; (2) Hydraulic; (3) Pneumatic; or (4) Electric. (c)...

  3. Life Insurance. Universal-Life Insurance

    OpenAIRE

    Smith, Mike; Hayhoe, Celia Ray

    2009-01-01

    Universal-life insurance was created to address many of the problems associated with whole-life insurance. One problem with whole-life insurance is its lack of flexibility. A second problem with whole life is that it is much like a black box. The owner cannot see exactly how it works. Universal life provides solutions to these problems. To fully understand universal life, refer to "Life Insurance: Whole-Life Insurance", Virginia Cooperative Extension publication 354-145, for some backgroun...

  4. Insurance Premium Optimization: Perspective of Insurance Seeker and Insurance Provider

    Directory of Open Access Journals (Sweden)

    Nidhi Arora

    2014-03-01

    Full Text Available The paper proposes a utilitarian and newfangled design of life insurance premium payment. Insurance companies provide insurance to the policy holders and in turn the policy holders have to pay insurance premium periodically. In this paper, we study the important factors to be considered at the time of selecting the term of premium payment of insurance. The intention is to extend this study to a method which can machinate and assist users in deciding the term and amount of premium payment. Our aim here is twin-fold; one, to evoke a novel way to policy holder to decide the least premiums to be paid and second, to devise a manner for insurance provider to collect maximum premiums. With this twofold aim, we propose a hybrid soft computing optimization model using Neuro-Fuzzy approach and Particle Swarm Optimization.

  5. Women's Health Insurance Coverage

    Science.gov (United States)

    ... Health Policy Women’s Health Insurance Coverage Women’s Health Insurance Coverage Feb 02, 2016 Facebook Twitter LinkedIn Email ... women’s coverage in future years. Sources of Health Insurance Coverage Employer-Sponsored Insurance: Approximately 57 million women ...

  6. 46 CFR 151.45-6 - Maximum amount of cargo.

    Science.gov (United States)

    2010-10-01

    ... temperature corresponding to the vapor pressure of the cargo at the safety relief valve setting. A reduction... required for a cargo vapor pressure equal to the relief valve setting. d L=Density of cargo at the...

  7. 46 CFR 28.885 - Cargo gear.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 1 2010-10-01 2010-10-01 false Cargo gear. 28.885 Section 28.885 Shipping COAST GUARD... Aleutian Trade Act Vessels § 28.885 Cargo gear. (a) The safe working load (SWL) for the assembled gear... the load the gear is approved to lift, excluding the weight of the gear itself. (b) All wire...

  8. 48 CFR 470.203 - Cargo preference.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 4 2010-10-01 2010-10-01 false Cargo preference. 470.203 Section 470.203 Federal Acquisition Regulations System DEPARTMENT OF AGRICULTURE FOOD ASSISTANCE PROGRAMS COMMODITY ACQUISITIONS 470.203 Cargo preference. An agency having responsibility under this subpart...

  9. Vehicle and cargo inspection system

    Science.gov (United States)

    Verbinski, Victor V.; Orphan, Victor J.

    1997-02-01

    Vehicle and Cargo Inspection System (VACIS) is comprised of a 1 Curie 137Cs gamma-ray source in a shield and collimator which produces a fan-shaped beam designed to intercept a vertical array of gama-ray detectors contained in a tower structure. The source and detector modules straddle the vehicle or container being inspected and are mounted on self-propelled trolleys which travel in synchronization along two parallel tracks covering the length of the scanned object. The signals from the gamma-ray detector array are processed and displayed so as to produce a 2D gamma-radiographic image of the object. Testing of the system on a variety of empty and lightly-loaded vehicles and containers has demonstrated the effectiveness of VACIS in detecting hidden contraband. For example, a small sample of cocaine only 1.5 inches thick was readily detected in a container.

  10. Chinese nuclear insurance and Chinese nuclear insurance pool

    International Nuclear Information System (INIS)

    Chinese Nuclear Insurance Started with Daya Bay Nuclear Power Station, PICC issued the insurance policy. Nuclear insurance cooperation between Chinese and international pool's organizations was set up in 1989. In 1996, the Chinese Nuclear Insurance Pool was prepared. The Chinese Nuclear Insurance Pool was approved by The Chinese Insurance Regulatory Committee in May of 1999. The principal aim is to centralize maximum the insurance capacity for nuclear insurance from local individual insurers and to strengthen the reinsurance relations with international insurance pools so as to provide the high quality insurance service for Chinese nuclear industry. The Member Company of Chinese Nuclear Pool and its roles are introduced in this article

  11. Understanding health insurance plans

    Science.gov (United States)

    ... medlineplus.gov/ency/patientinstructions/000879.htm Understanding health insurance plans To use the sharing features on this ... for you and your family. Types of Health Insurance Plans Depending on how you get your health ...

  12. Risks In Marine Insurance

    OpenAIRE

    Jelena Grdinic

    2008-01-01

    The author of this paper elaborates risks in marine insurance. Firstly, the author primarily specifies the concept, types and basic characteristics of risks, emphasizing specifics of marine risk in relation to general risks. The author particularly considers determination of risk according to our legal regulations and English Marine Insurance Act, as the most important act in this matter. Special attention is paid to insured risk according to the most recent standard conditions for insurance ...

  13. Multiple Peril Crop Insurance

    OpenAIRE

    Edwards, William M.; Hofstrand, Donald

    2003-01-01

    Multiple Peril Crop Insurance (MPCI) is a broad-based crop insurance program regulated by the U.S. Department of Agriculture and subsidized by the Federal Crop Insurance Corporation(FCIC). Crops eligible for MPCI coverage in Iowa include corn, sobyeans, oats, wheat, seed corn, popcorn, barley, potatoes, sweet corn, canning beans, dry beans, forages, grain sorghum, green peas, tomatoes, and nursery stocks. Not all of these crops can be insured in all counties.

  14. Credit risk insurance

    OpenAIRE

    Pospíšil, Marek

    2010-01-01

    Diploma thesis on the topic Credit risk insurance approximates the functioning of the security instrument on the commercial market for credit insurance and export markets. It maps the management process and describes the basic elements and principles of the trade credit insurance in detail. It also includes the evaluation of the commercial insurance in terms of benefits and shortcomings that this instrument represents. The following part describes the activity of the Export Guarantee and Insu...

  15. Insurance Contracts and Securitization

    OpenAIRE

    Doherty, Neil A.; Schlesinger, Harris

    2001-01-01

    High correlations between risks can increase required insurer capital and/orreduce the availability of insurance. For such insurance lines, securitizationis rapidly emerging as an alternative form of risk transfer. The ultimatesuccess of securitization in replacing or complementing traditional insuranceand reinsurance products depends on the ability of securitization to facilitateand/or be facilitated by insurance contracts. We consider how insuredlosses might be decomposed into separate comp...

  16. Farmers Insures Success

    Science.gov (United States)

    Freifeld, Lorri

    2012-01-01

    Farmers Insurance claims the No. 2 spot on the Training Top 125 with a forward-thinking training strategy linked to its primary mission: FarmersFuture 2020. It's not surprising an insurance company would have an insurance policy for the future. But Farmers takes that strategy one step further, setting its sights on 2020 with a far-reaching plan to…

  17. Alternative health insurance schemes

    DEFF Research Database (Denmark)

    Keiding, Hans; Hansen, Bodil O.

    2002-01-01

    In this paper, we present a simple model of health insurance with asymmetric information, where we compare two alternative ways of organizing the insurance market. Either as a competitive insurance market, where some risks remain uninsured, or as a compulsory scheme, where however, the level...

  18. 46 CFR 105.25-10 - Cargo pumping installation.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 4 2010-10-01 2010-10-01 false Cargo pumping installation. 105.25-10 Section 105.25-10 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CARGO AND MISCELLANEOUS VESSELS... Installed Below Decks § 105.25-10 Cargo pumping installation. (a) Cargo pumps shall not be installed in...

  19. 46 CFR 154.412 - Cargo tank corrosion allowance.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo tank corrosion allowance. 154.412 Section 154.412... Containment Systems § 154.412 Cargo tank corrosion allowance. A cargo tank must be designed with a corrosion...) carries a cargo that corrodes the tank material. Note: Corrosion allowance for independent tank type C...

  20. 46 CFR 154.195 - Aluminum cargo tank: Steel enclosure.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Aluminum cargo tank: Steel enclosure. 154.195 Section... Equipment Hull Structure § 154.195 Aluminum cargo tank: Steel enclosure. (a) An aluminum cargo tank and its... the aluminum cargo tank must meet the steel structural standards of the American Bureau of...

  1. 46 CFR 154.562 - Cargo hose: Hydrostatic test.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo hose: Hydrostatic test. 154.562 Section 154.562 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CERTAIN BULK DANGEROUS CARGOES SAFETY... Hose § 154.562 Cargo hose: Hydrostatic test. Each cargo hose must pass a hydrostatic pressure test...

  2. 29 CFR 1918.87 - Ship's cargo elevators.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 7 2010-07-01 2010-07-01 false Ship's cargo elevators. 1918.87 Section 1918.87 Labor... (CONTINUED) SAFETY AND HEALTH REGULATIONS FOR LONGSHORING Handling Cargo § 1918.87 Ship's cargo elevators. (a) Safe working load. The safe working loads of ship's cargo elevators shall be determined and...

  3. 46 CFR 153.977 - Supervision of cargo transfer.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Supervision of cargo transfer. 153.977 Section 153.977 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CERTAIN BULK DANGEROUS CARGOES SHIPS... Procedures § 153.977 Supervision of cargo transfer. The person in charge of cargo transfer shall:...

  4. 46 CFR 151.13-5 - Cargo segregation-tanks.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo segregation-tanks. 151.13-5 Section 151.13-5... CARRYING BULK LIQUID HAZARDOUS MATERIAL CARGOES Cargo Segregation § 151.13-5 Cargo segregation—tanks. (a... and list the various degrees of segregation required. Paragraphs and (2) of this section explain...

  5. 46 CFR 154.500 - Cargo and process piping standards.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo and process piping standards. 154.500 Section 154... SAFETY STANDARDS FOR SELF-PROPELLED VESSELS CARRYING BULK LIQUEFIED GASES Design, Construction and Equipment Cargo and Process Piping Systems § 154.500 Cargo and process piping standards. The cargo...

  6. 41 CFR 102-117.140 - What is cargo preference?

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 3 2010-07-01 2010-07-01 false What is cargo preference... cargo preference? Cargo preference is the statutory requirement that all, or a portion of all, ocean... the cargo preference laws must be approved by: Department of Transportation Maritime...

  7. System for inspection of stacked cargo containers

    Science.gov (United States)

    Derenzo, Stephen

    2011-08-16

    The present invention relates to a system for inspection of stacked cargo containers. One embodiment of the invention generally comprises a plurality of stacked cargo containers arranged in rows or tiers, each container having a top, a bottom a first side, a second side, a front end, and a back end; a plurality of spacers arranged in rows or tiers; one or more mobile inspection devices for inspecting the cargo containers, wherein the one or more inspection devices are removeably disposed within the spacers, the inspection means configured to move through the spacers to detect radiation within the containers. The invented system can also be configured to inspect the cargo containers for a variety of other potentially hazardous materials including but not limited to explosive and chemical threats.

  8. Design of heavy lift cargo aircraft

    Data.gov (United States)

    National Aeronautics and Space Administration — This is the bird of the skies of the future. The heavy lift cargo aircraft which is currently being developed by me has twice the payload capacity of an Antonov...

  9. IP-1 Certification of Cargo Containers

    Energy Technology Data Exchange (ETDEWEB)

    Hagler, Lisle [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States)

    2010-10-05

    The purpose and scope of this engineering note is to demonstrate that the structural design of the cargo container complies with the IP-1 container requirements of 49 CFR 173.410 as required by CFR 173.411.

  10. Nuclear liability insurance

    International Nuclear Information System (INIS)

    Nuclear liability insurance, which exists in some countries, is provided by pools, which are groups of insurance companies that have voluntarily combined to share the insurance risk. Currently, 28 insurance pools operate worldwide. National pools are members of the international pool system. The pools cover both third party liability and material damage. Entities insured by pools include not only nuclear power plants but also fuel fabrication plants, research reactors, nuclear waste treatment plants, spent fuel reprocessing plants, facilities for protecting nuclear wastes before disposal, as well as nuclear fuel and facility carriers and suppliers. (J.B.)

  11. Risks and nuclear insurance

    International Nuclear Information System (INIS)

    When analysing the nuclear insurance market, three elements must be taken into account: the nuclear operator's liability is regulated by national laws and/or international Conventions, such operators pay large premiums to insure their nuclear installations against property damage and finally, the nuclear insurance market is made up of pools and is mainly a monopoly. This report describes the different types of insurance coverage, the system governing nuclear third party liability under the Paris Convention and the Brussels Supplementary Convention and several national laws in that field. The last part of the report deals with liability and insurance aspects of international transport of nuclear materials

  12. Characterizing X-ray Attenuation of Containerized Cargo

    Energy Technology Data Exchange (ETDEWEB)

    Birrer, N. [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States); Divin, C. [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States); Glenn, S. [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States); Martz, H. [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States); Wang, G. [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States)

    2016-08-02

    X-ray inspection systems can be used to detect radiological and nuclear threats in imported cargo. In order to better understand performance of these systems, the attenuation characteristics of imported cargo need to be determined. This project focused on developing image processing algorithms for segmenting cargo and using x-ray attenuation to quantify equivalent steel thickness to determine cargo density. These algorithms were applied to over 450 cargo radiographs. The results are summarized in this report.

  13. Public Insurance and Equality

    DEFF Research Database (Denmark)

    Landes, Xavier; Néron, Pierre-Yves

    2015-01-01

    the debates surrounding public insurance as a redistributive tool, advancing the idea that public insurance may be a relational egalitarian tool. It then presents a number of relational arguments in favor of the involvement of the state in the provision of specific forms of insurance, arguments that......Public insurance is commonly assimilated with redistributive tools mobilized by the welfare state in the pursuit of an egalitarian ideal. This view contains some truth, since the result of insurance, at a given moment, is the redistribution of resources from the lucky to unlucky. However, Joseph...... Heath (among other political theorists) considers that the principle of efficiency provides a better normative explanation and justification of public insurance than the egalitarian account. According to this view, the fact that the state is involved in the provision of specific insurance (primarily...

  14. CAR INSURANCE – ENGINE FOR THE ROMANIAN INSURANCE MARKET

    OpenAIRE

    Gherasim Solovestru Domide; Alexandru Domide

    2013-01-01

    The paper presents the evolution of risk underwriting for the general insurance and motor insurance by the insurance companies with insurance activity in Romania during 2007 until 2012. In the analyzed period we have noted an increase and then a decrease in the risk underwriting value for all the classes of general insurance. During this period, within the classes of general insurance, the car insurance are holding values above 50% of total subscriptions. This fact has a negative impact over ...

  15. Indirect estimation of radioactivity in containerized cargo

    International Nuclear Information System (INIS)

    Naturally occurring radioactive material in containerized cargo challenges the state of the art in national and international efforts to detect illicit nuclear and radiological material in transported containers. Current systems are being evaluated and new systems envisioned to provide the high probability of detection necessary to thwart potential threats, combined with extremely low nuisance and false alarm rates necessary to maintain the flow of commerce impacted by the enormous volume of commodities imported in shipping containers. Maintaining flow of commerce also means that inspection must be rapid, requiring relatively non-intrusive, indirect measurements of cargo from outside containers to the extent possible. With increasing information content in such measurements, it is natural to ask how the information might be combined to improve detection. Toward this end, we present an approach to estimating isotopic activity of naturally occurring radioactive material in cargo grouped by commodity type, combining container manifest data with radiography and gamma-ray spectroscopy aligned to location along the container. The heart of this approach is our statistical model of gamma-ray counts within peak regions of interest, which captures the effects of background suppression, counting noise, convolution of neighboring cargo contributions, and down-scattered photons to provide estimates of counts due to decay of specific radioisotopes in cargo alone. Coupled to that model, we use a mechanistic model of self-attenuated radiation flux to estimate the isotopic activity within cargo, segmented by location within each container, that produces those counts. We test our approach by applying it to a set of measurements taken at the Port of Seattle in 2006. This approach to synthesizing disparate available data streams and extraction of cargo characteristics, while relying on several simplifying assumptions and approximations, holds the potential to support improvement of

  16. 24 CFR 266.602 - Mortgage insurance premium: Insured advances.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Insured... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium:...

  17. Nuclear insurance fire risk

    International Nuclear Information System (INIS)

    Nuclear facilities operate under the constant risk that radioactive materials could be accidentally released off-site and cause injuries to people or damages to the property of others. Management of this nuclear risk, therefore, is very important to nuclear operators, financial stakeholders and the general public. Operators of these facilities normally retain a portion of this risk and transfer the remainder to others through an insurance mechanism. Since the nuclear loss exposure could be very high, insurers usually assess their risk first-hand by sending insurance engineers to conduct a nuclear insurance inspection. Because a serious fire can greatly increase the probability of an off-site release of radiation, fire safety should be included in the nuclear insurance inspection. This paper reviews essential elements of a facility's fire safety program as a key factor in underwriting nuclear third-party liability insurance. (author)

  18. Uncertainty Quantification for Cargo Hold Fires

    CERN Document Server

    DeGennaro, Anthony M; Martinelli, Luigi; Rowley, Clarence W

    2015-01-01

    The purpose of this study is twofold -- first, to introduce the application of high-order discontinuous Galerkin methods to buoyancy-driven cargo hold fire simulations, second, to explore statistical variation in the fluid dynamics of a cargo hold fire given parameterized uncertainty in the fire source location and temperature. Cargo hold fires represent a class of problems that require highly-accurate computational methods to simulate faithfully. Hence, we use an in-house discontinuous Galerkin code to treat these flows. Cargo hold fires also exhibit a large amount of uncertainty with respect to the boundary conditions. Thus, the second aim of this paper is to quantify the resulting uncertainty in the flow, using tools from the uncertainty quantification community to ensure that our efforts require a minimal number of simulations. We expect that the results of this study will provide statistical insight into the effects of fire location and temperature on cargo fires, and also assist in the optimization of f...

  19. Insurance flood maps

    International Nuclear Information System (INIS)

    Dear Client, in half an hour you will be hit by a flood, please get ready. Your insurance company. Such a phone call or SMS could only mean two things: drunk friends or an insurance company using a flood map. In the second case, the best thing to do on receiving such a message is to act quickly. The advantage of flood maps do not necessarily have to start at the moment a flood becomes an immediate threat. The primary role of flood maps is to allow for a fairer calculation of insurance rates. Insurance companies can save on re-insurance costs as if the risk level is predictable re-insurance companies may offer better rates. The three largest insurance companies: Allianz - Slovenska poistovna, Kooperativa and Ceska poistovna Slovensko have begun introducing flood maps. These three companies control about 75% of the market. And if competition does not force other market participants to adopt the same approach, re-insurance companies certainly will. They will charge more for a less specifically defined risk level. So far insurance companies have not encountered this pressure, re-insurance companies are helping them set up the flood maps and in the coming years flood maps will become a common tool. Then the pressure will be there: if a insurance company uses a different calculation method, the final price may differ greatly from the competition's. If the price is higher, the company will lose clients and if the price is much lower, the risk has probably not been calculated correctly and the insurance company may suffer substantial losses in the event of a major flood. In short, the investment of several million Sk in a flood map is essential

  20. Active social insurance

    OpenAIRE

    Røed, Knut

    2012-01-01

    The paper argues that a comprehensive activation strategy is called for - in both unemployment and disability insurance - to minimize the conflict between income insurance and work incentives and to prevent the economic crisis from causing a long-lasting decline in labor force participation. A review of recent empirical evidence, particularly from the Scandinavian countries, indicates that 'mild' activation requirements effectively counteract moral hazard problems in social insurance. The pap...

  1. Health and disability insurance

    OpenAIRE

    Börsch-Supan, Axel

    2011-01-01

    "Disability insurance - the insurance against the loss of the ability to work - is a substantial part of social security expenditures in many countries. The benefit recipiency rates in disability insurance vary strikingly across European countries and the US. This paper investigates the extent of, and the causes for, this variation, using econometric analyses based on new data from SHARE, ELSA and HRS. We show that even after controlling for differences in the demographic structure and health...

  2. Managing Insurance Fraud

    OpenAIRE

    Miller, Gino

    2008-01-01

    After tax evasion, insurance fraud is considered the highest ranked among white-collar crimes perpetrated today (Coalition Against Insurance Fraud 2001). The complexity of the problem matches its magnitude which arises from a number of sources. Fraud is dynamic: when insurers uncover fraudulent activity and puts up barriers to prevent its reoccurrence, another takes its place. Motivation to commit fraud vary, from opportunistic individuals submitting fraudulent claims as a means of recovering...

  3. The insurance of nuclear installations

    International Nuclear Information System (INIS)

    A brief account is given of the development of nuclear insurance. The subject is dealt with under the following headings: the need for nuclear insurance, nuclear insurance pools, international co-operation, nuclear installations which may be insured, international conventions relating to the liability of operators of nuclear installations, classes of nuclear insurance, nuclear reactor hazards and their assessment, future developments. (U.K.)

  4. Characterizing Complexity of Containerized Cargo X-ray Images

    Energy Technology Data Exchange (ETDEWEB)

    Wang, Guangxing [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States); Martz, Harry [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States); Glenn, Steven [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States); Divin, Charles [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States); Birrer, Nat [Lawrence Livermore National Lab. (LLNL), Livermore, CA (United States)

    2016-08-19

    X-ray imaging can be used to inspect cargos imported into the United States. In order to better understand the performance of X-ray inspection systems, the X-ray characteristics (density, complexity) of cargo need to be quantified. In this project, an image complexity measure called integrated power spectral density (IPSD) was studied using both DNDO engineered cargos and stream-of-commerce (SOC) cargos. A joint distribution of cargo density and complexity was obtained. A support vector machine was used to classify the SOC cargos into four categories to estimate the relative fractions.

  5. Theory of health insurance.

    Science.gov (United States)

    Nyman, J A

    1998-01-01

    The conventional explanation for purchasing insurance is to transfer risk. Psychologists, however, have shown that this explanation does not match actual behavior. They find that people generally prefer the risk of no loss at all to the certainty of a smaller actuarially equivalent loss, a situation exactly opposite to the one represented by the purchase of insurance. Nevertheless, people do purchase insurance, so there must be an explanation other than risk transfer for purchasing it. Of the explanations so far advanced, however, none have yet developed a wide acceptance. Regardless of risk issues, people will be more likely to purchase insurance when the premium is low compared to the value of the coverage to the consumer. Moral hazard raises the premium, as does adverse selection. The presence of either makes the purchase of insurance less likely. With health insurance, the tax subsidy can reduce the effective premium to less than the actuarially fair cost of insurance. This would increase the likelihood that health insurance is purchased. Finally, because of the value we place on our health, we desire access to a full range of health care. Health insurance is often the only affordable way of gaining access to this care, given the high costs of many of these procedures. PMID:10185500

  6. Taxes and Health Insurance

    OpenAIRE

    Jonathan Gruber

    2001-01-01

    A common prescription for reducing the number of uninsured is to increase the tax subsidization of health insurance in the U.S. Yet, we already provide over $100 billion per year in tax subsidies to health insurance. This paper provides an assessment of the past and potential impacts of taxation on health insurance coverage and costs. I begin by reviewing the central facts on health insurance and taxation. I then provide a framework for assessing the impacts of tax policies on health insuranc...

  7. Fluctuation effects in bidirectional cargo transport

    CERN Document Server

    Klein, Sarah; Santen, Ludger

    2014-01-01

    We discuss a theoretical model for bidirectional cargo transport in biological cells, which is driven by teams of molecular motors and subject to thermal fluctuations. The model describes explicitly the directed motion of the molecular motors on the filament. The motor-cargo coupling is implemented via linear springs. By means of extensive Monte Carlo simulations we show that the model describes the experimentally observed regimes of anomalous diffusion, i.e. subdiffusive behavior at short times followed by superdiffusion at intermediate times. The model results indicate that subdiffuse regime is induced by thermal fluctuations while the superdiffusive motion is generated by correlations of the motors' activity. We also tested the efficiency of bidirectional cargo transport in crowded areas by measuring its ability to pass barriers with increased viscosity. Our results show a remarkable gain of efficiency for high viscosities.

  8. 46 CFR 105.20-3 - Cargo tanks.

    Science.gov (United States)

    2010-10-01

    ... VESSELS DISPENSING PETROLEUM PRODUCTS Specific Requirements-Cargo Tanks § 105.20-3 Cargo tanks. (a... subjected, except that in no case shall the thickness of the shell or head be less than that specified...

  9. Risk Management in Insurance Companies

    OpenAIRE

    Yang, Xufeng

    2006-01-01

    Insurance is the uncertain business in uncertain society. Today, insures face more complex and difficult risks. Efficient risk management mechanisms are essential for the insurers. The paper is set out initially to explore UK insurance companies risk management and risk disclosure by examining companies annual report after all the listed insurance companies are required to disclose risk information in their annual report, which seeks to reflect the recent development in UK insurance companies...

  10. Profitability of Title Insurance Companies

    OpenAIRE

    Edwin H. Duett; Robert A. Hershbarger

    1992-01-01

    The research in this paper examines the profitability of title insurance companies in relationship to property/casualty, life/health insurance and non-insurance firms. A series of four profitability measures which have previously been tested in prior literature have been used to determine if title insurance companies are more or less profitable than the other types of insurance companies and non-insurance firms.

  11. Insurance industry guide

    International Nuclear Information System (INIS)

    This listing is a guide to insurers for independent energy projects. The listing is in directory format and includes the insurance company name, the name of a company contact, the company address, telephone and FAX numbers and a description of the company and the types of coverage available for energy projects. The listing is international in scope

  12. Insurance industry guide

    International Nuclear Information System (INIS)

    This is an insurance industry guide for the independent power industry. The directory includes the insurance company's name, address, telephone and FAX numbers and a description of the company's area of expertise, products and services, and limitations. The directory is international in scope. Some of the companies specialize in independent power projects

  13. Understanding health insurance plans

    Science.gov (United States)

    Most insurance companies offer different types of health plans. And when you are comparing plans, it can sometimes seem ... Depending on how you get your health insurance, you may have a ... (HMOs). These plans offer a network of health care providers ...

  14. Social health insurance

    CERN Document Server

    International Labour Office. Geneva

    1997-01-01

    This manual provides an overview of social health insurance schemes and looks at the development of health care policies and feasibility issues. It also examines the design of health insurance schemes, health care benefits, financing and costs and considers the operational and strategic information requirements.

  15. Catastrophic Crop Insurance

    OpenAIRE

    Edwards, William M.

    2003-01-01

    Beginning in 1995 farmers were offered the chance to carry a minimum level of Multiple Peril Crop Insurance (MPCI) coverage at very little cost. This catastrophic or CAT insurance coverage replaces the protection offered to crop producers under federal disaster programs in recent years.

  16. Nuclear energy and insurance

    International Nuclear Information System (INIS)

    It was the risk of contamination of ships from the Pacific atmospheric atomic bomb tests in the 1940's that seems first to have set insurers thinking that a limited amount of cover would be a practical possibility if not a commercially-attractive proposition. One Chapter of this book traces the early, hesitant steps towards the evolution of ''nuclear insurance'', as it is usually called; a term of convenience rather than exactitude because it seems to suggest an entirely new branch of insurance with a status of its own like that of Marine, Life or Motor insurance. Insurance in the field of nuclear energy is more correctly regarded as the application of the usual, well-established forms of cover to unusual kinds of industrial plant, materials and liabilities, characterised by the peculiar dangers of radioactivity which have no parallel among the common hazards of industry and commerce. It had, and still has, the feature that individual insurance underwriters are none too keen to look upon nuclear risks as a potential source of good business and profit. Only by joining together in Syndicates or Pools have the members of the national insurance markets been able to make proper provision for nuclear risks; only by close international collaboration among the national Pools have the insurers of the world been able to assemble adequate capacity - though still, even after thirty years, not sufficient to provide complete coverage for a large nuclear installation. (author)

  17. Uninsured vs. insured population

    DEFF Research Database (Denmark)

    Andersen, Z. J.; Lin, Chyongchiou J; Chang, Chung-Chou H

    2003-01-01

    This study identified the underlying demographic and socioeconomic factors associated with insurance status among nonelderly Americans (age 19-64), as well as compared health care utilization between insured and uninsured. Data from the Community Tracking Study 1996-1997 Household Survey were ana...

  18. Health insurance for "frontaliers"

    CERN Multimedia

    2013-01-01

    The French government has decided that, with effect from 1 June 2014, persons resident in France but working in Switzerland (hereinafter referred to as “frontaliers”) will no longer be entitled to opt for private French health insurance provision as their sole and principal health insurance.   The right of choice, which was granted by the Bilateral Agreement on the Free Movement of Persons between Switzerland and the European Union and which came into force on 1 June 2002, exempts “frontaliers” from the obligation to become a member of Switzerland’s compulsory health insurance scheme (LAMal) if they can prove that they have equivalent coverage in France, provided by either the French social security system (CMU) or a private French insurance provider. As the latter option of private health insurance as an alternative to membership of LAMal will be revoked under the new French legislation that will come into force on 1 June 2014, current “...

  19. Nuclear insurance in Canada

    International Nuclear Information System (INIS)

    Many years ago, a group of insurance companies founded an organization offering nuclear insurance, called Nuclear Insurance Association of Canada. The passage of Order-in-Council P.C. 1960-555 gave Atomic Energy of Canada Ltd. the power to indemnify suppliers, contractors, etc. against liability claims. The situation has remained essentially unchanged. In 1970 Parliament passed the Nuclear Liability Act, but it has never been proclaimed. The act sets mandatory levels of nuclear insurance as high as $75 million for firms involved in nuclear activity. It is expected that agreement between the insurers and government will be reached later this year (1976), so that the act can be proclaimed. (N.D.H.)

  20. 49 CFR 172.448 - CARGO AIRCRAFT ONLY label.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 2 2010-10-01 2010-10-01 false CARGO AIRCRAFT ONLY label. 172.448 Section 172.448... SECURITY PLANS Labeling § 172.448 CARGO AIRCRAFT ONLY label. (a) Except for size and color, the CARGO AIRCRAFT ONLY label must be as follows: ER14JA09.001 (b) The CARGO AIRCRAFT ONLY label must be black on...

  1. Travel insurance and health.

    Science.gov (United States)

    Leggat, P A; Carne, J; Kedjarune, U

    1999-12-01

    Travel insurance normally underwrites travel, medical, and dental expenses incurred by travelers abroad and arranges aeromedical evacuation of travelers under conditions specified by the travel insurance policy. Because of the costs of medical and dental treatment abroad and the high cost associated with aeromedical evacuation, all travelers should be advised of the need for comprehensive travel insurance and be advised to read their policies carefully to see what is covered and to check for any exclusions. In particular, those travelers who have known preexisting conditions, who are working overseas, or who are going to undertake any form of hazardous recreational pursuit may need to obtain a special travel insurance policy, which may attract a higher premium. Conservatively, it is estimated that between 30-50% of travelers become ill or injured whilst traveling. Relative estimated monthly incidence rates of various health problems have been compiled elsewhere. The risk of severe injury is thought to be greater for people when traveling abroad. These risks should be covered by travel insurance to protect the traveler, however it is not known what proportion of travel agents or airlines give advice routinely on travel insurance. Travel insurance is the most important safety net for travelers in the event of misadventure, and should be reinforced by travel health advisers. Although only 4% of general practitioners (GPs) in a late 1980's study in the United Kingdom would advise a traveler going to Turkey about travel insurance,4 more recent studies have shown about 60% of GPs in New Zealand and 39% of travel clinics worldwide usually advised travelers concerning travel insurance. In addition, 54% of GPs in New Zealand usually also advised travelers about finding medical assistance abroad, but only 19% of GPs recommended travel insurance companies as a source of medical assistance while traveling. PMID:10575173

  2. 46 CFR 151.25-2 - Cargo handling space.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo handling space. 151.25-2 Section 151.25-2 Shipping... BULK LIQUID HAZARDOUS MATERIAL CARGOES Environmental Control § 151.25-2 Cargo handling space. Pump rooms, compressor rooms, refrigeration rooms, heating rooms, instrument rooms or other closed...

  3. 33 CFR 157.23 - Cargo and ballast system information.

    Science.gov (United States)

    2010-07-01

    ... CARRYING OIL IN BULK Design, Equipment, and Installation § 157.23 Cargo and ballast system information. (a... automatic and manual operation of the cargo and ballast system in the vessel. (b) The format and information... 33 Navigation and Navigable Waters 2 2010-07-01 2010-07-01 false Cargo and ballast...

  4. 46 CFR 153.440 - Cargo temperature sensors.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo temperature sensors. 153.440 Section 153.440 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CERTAIN BULK DANGEROUS CARGOES SHIPS... Temperature Control Systems § 153.440 Cargo temperature sensors. (a) Except as prescribed in paragraph (c)...

  5. 46 CFR 151.20-20 - Cargo transfer methods.

    Science.gov (United States)

    2010-10-01

    ... 90 percent of the set pressure of the cargo tank safety relief valve. The pressurizing line shall be... shall be fitted with a safety relief valve set to lift at a pressure no higher than 80 percent of the cargo tank safety relief valve setting. (d) When cargo vapors are flammable, combustible or toxic,...

  6. THE ANALYSIS OF THE LOGISTICS ORGANIZATION OF CUSTOMS CARGO PROCESSING

    OpenAIRE

    N. Ponomariova; Stoliar, T.

    2008-01-01

    The matter concerning customs logistics being an integral part of cargo delivery logistics range of international routes has been considered. The aim of functioning of cargo customs handling process has been determined. The application of Petri network theory for the purpose of customs cargo handling model development has been proved.

  7. Development of 60Co cargo train inspection system

    International Nuclear Information System (INIS)

    The author introduces the research and development of 60Co cargo train inspection system. With the use of radiography principle, every car image is acquired when the cargo train runs through the inspection channel. It is evaluated whether the cargo in car matches the corresponding customs declaration information with digital image processing techniques. The system has been installed in railway port at Manzhouli Customs

  8. Molecular approach to intracellular cargo transport

    Science.gov (United States)

    Yildiz, Ahmet

    2010-03-01

    Landmark discoveries in the study of cytoplasmic motors have been made through advances in single molecule biophysics and detailed mechanistic models exist for kinesin and dynein. However, the function of motors in physiological conditions has not been carefully tested. In cells, more than few dyneins can attach to the same cargo and interact with the opposite polarity motors of kinesin. To study the molecular crosstalk between the motors, we have used intraflagellar transport (IFT) in Chlamydomonas reinhardtii as a model system. Ultrahigh spatio-temporal tracking of single cargo movement showed that IFT particles move for long distances unidirectionally with 8 nm increments, agreeing with measured step sizes of kinesin and dynein. To measure how many motors transport each cargo, we have linked large polystyrene beads to internal IFT particles through a transmembrane protein. Force measurements indicated that, on average, 3-4 motors transport cargoes in each direction. The results showed that IFT motors are tightly coordinated and might be involved in recycling each other to the appropriate end of the flagellum.

  9. 78 FR 68784 - Cargo Securing Manuals

    Science.gov (United States)

    2013-11-15

    ... regarding our public dockets in the January 17, 2008, issue of the Federal Register (73 FR 3316). D. Public... Practice for Cargo Stowage and Securing E.O. Executive Order FR Federal Register IMO International Maritime.... vessels or for foreign vessels operating in U.S. waters. In a notice (64 FR 1648; Jan. 11,...

  10. 46 CFR 64.91 - Relief valve for the cargo pump discharge.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 2 2010-10-01 2010-10-01 false Relief valve for the cargo pump discharge. 64.91 Section... PORTABLE TANKS AND CARGO HANDLING SYSTEMS Cargo Handling System § 64.91 Relief valve for the cargo pump discharge. The cargo pump discharge must have a relief valve that is— (a) Fitted between the cargo...

  11. Life Insurance. Variable Universal-Life Insurance

    OpenAIRE

    Smith, Mike; Hayhoe, Celia Ray

    2009-01-01

    The term "variable" simply refers to "different investment options." Variable universal-life insurance allows the policy-owner to choose how the cash value is invested. Some variable policies have up to 50 different "sub-accounts" from which to choose.

  12. Health insurance basic actuarial models

    CERN Document Server

    Pitacco, Ermanno

    2014-01-01

    Health Insurance aims at filling a gap in actuarial literature, attempting to solve the frequent misunderstanding in regards to both the purpose and the contents of health insurance products (and ‘protection products’, more generally) on the one hand, and the relevant actuarial structures on the other. In order to cover the basic principles regarding health insurance techniques, the first few chapters in this book are mainly devoted to the need for health insurance and a description of insurance products in this area (sickness insurance, accident insurance, critical illness covers, income protection, long-term care insurance, health-related benefits as riders to life insurance policies). An introduction to general actuarial and risk-management issues follows. Basic actuarial models are presented for sickness insurance and income protection (i.e. disability annuities). Several numerical examples help the reader understand the main features of pricing and reserving in the health insurance area. A short int...

  13. Individual insurance: health insurers try to tap potential market growth.

    Science.gov (United States)

    November, Elizabeth A; Cohen, Genna R; Ginsburg, Paul B; Quinn, Brian C

    2009-11-01

    Individual insurance is the only source of health coverage for people without access to employer-sponsored insurance or public insurance. Individual insurance traditionally has been sought by older, sicker individuals who perceive the need for insurance more than younger, healthier people. The attraction of a sicker population to the individual market creates adverse selection, leading insurers to employ medical underwriting--which most states allow--to either avoid those with the greatest health needs or set premiums more reflective of their expected medical use. Recently, however, several factors have prompted insurers to recognize the growth potential of the individual market: a declining proportion of people with employer-sponsored insurance, a sizeable population of younger, healthier people forgoing insurance, and the likelihood that many people receiving subsidies to buy insurance under proposed health insurance reforms would buy individual coverage. Insurers are pursuing several strategies to expand their presence in the individual insurance market, including entering less-regulated markets, developing lower-cost, less-comprehensive products targeting younger, healthy consumers, and attracting consumers through the Internet and other new distribution channels, according to a new study by the Center for Studying Health System Change (HSC). Insurers' strategies in the individual insurance market are unlikely to meet the needs of less-than-healthy people seeking affordable, comprehensive coverage. Congressional health reform proposals, which envision a larger role for the individual market under a sharply different regulatory framework, would likely supersede insurers' current individual market strategies. PMID:19899193

  14. Insurability of Terrorism Risks

    International Nuclear Information System (INIS)

    Until 2001 losses caused by terrorist attacks have been covered under fire policies worldwide with two exceptions: Spain and UK where major and multiple losses caused by ETA and IRA had led to specific insurance solutions. The September 11, 2001 attacks on the World Trade Centre have changed the world in many aspects. This includes the insurance industry, which was compelled to exclude terrorism from coverage and to offer special solutions for extra premium. Nuclear power plants have been repeatedly called targets for terrorists as their destruction could cause a large catastrophe and more victims than the September 2001 attacks. How does the insurance industry respond? (author)

  15. Discharging Part of LNG Liquid Cargo Handling Simulator

    Directory of Open Access Journals (Sweden)

    Zhen-Zhou Yang

    2013-09-01

    Full Text Available With the development of the national economy, it is important to develop LNG (Liquefied Natural Gas liquid cargo handling simulator. In this paper, the discharging part of Liquid Cargo Handling Simulator of LNG Carriers is developed by Visual Basic. The system includes 5 major forms and 3 mathematical models such as cargo pump model, the pressure and temperature model of the LNG vapour in the cargo tank and the liquid level model. The system can complete the unloading task. The system has become a preliminary model of LNG liquid cargo handlings simulator training.

  16. THEORETICAL ANALYSIS OF THE CONCEPT OF INSURANCE PORTFOLIO OF INSURER

    OpenAIRE

    Kondratenko, D.

    2014-01-01

    The article is devoted to the analysis of the different interpretations of the concept of "portfolio insurance". The examples of the essence understanding of the “portfolio insurance'' concept from the different scholars point of view was examined from the perspective of the aggregate insurance risks and the number of contracts or assets incepted for the insurance. The functions and principles of the insurance portfoli were designated. It has been established that the current legislation does...

  17. Particularity of Selling Insurance for Romanian Insurance Companies

    OpenAIRE

    Gavriletea Marius

    2008-01-01

    It is already known that marketing has a very important role for the success of each type business. Insurance sector is an industry with continuously modification towards insured risks, exclusions and quotations. The competition in the Romanian insurance industry is a really tough one, and the insurance companies that will adopt better marketing strategies will be successful and profitable ones. As a part of marketing field, distribution channels in insurance grew in importance in the last de...

  18. Aviation System Analysis Capability Air Carrier Investment Model-Cargo

    Science.gov (United States)

    Johnson, Jesse; Santmire, Tara

    1999-01-01

    The purpose of the Aviation System Analysis Capability (ASAC) Air Cargo Investment Model-Cargo (ACIMC), is to examine the economic effects of technology investment on the air cargo market, particularly the market for new cargo aircraft. To do so, we have built an econometrically based model designed to operate like the ACIM. Two main drivers account for virtually all of the demand: the growth rate of the Gross Domestic Product (GDP) and changes in the fare yield (which is a proxy of the price charged or fare). These differences arise from a combination of the nature of air cargo demand and the peculiarities of the air cargo market. The net effect of these two factors are that sales of new cargo aircraft are much less sensitive to either increases in GDP or changes in the costs of labor, capital, fuel, materials, and energy associated with the production of new cargo aircraft than the sales of new passenger aircraft. This in conjunction with the relatively small size of the cargo aircraft market means technology improvements to the cargo aircraft will do relatively very little to spur increased sales of new cargo aircraft.

  19. Insurance Risks – Hedging Techniques

    OpenAIRE

    Botea Elena Mihaela; Sahlian Daniela Nicoleta; Stanila Oana Georgiana

    2011-01-01

    Insurance companies by their specific activity and by the variety of operations are exposed to a multitude of risks. We can say that the risk is the basic condition of the insurance. If there were no risks, there would be no insurance. Therefore, risk insurance is a specific element, being subject to any insurance contract. Seeking a definition for risk, one can say that “risk is a danger, a threat faced by goods, people, businesses and insurance companies may provide”. The insurance companie...

  20. HUD Insured Multifamily Properties

    Data.gov (United States)

    Department of Housing and Urban Development — The FHA insured Multifamily Housing portfolio consist primarily of rental housing properties with five or more dwelling units such as apartments or town houses, but...

  1. HUD Insured Hospitals

    Data.gov (United States)

    Department of Housing and Urban Development — The Office of Healthcare Programs (OHP), previously known as the Office of Insured Health Care Facilities, is located within the Office of Housing and administers...

  2. M. Nuclear insurance

    International Nuclear Information System (INIS)

    Nuclear insurance and some of the features associated with it, such as the International Conventions and the operation of Atomic Risk Pools, are discussed both in general and with specific reference to the USA, Canada and the United Kingdom

  3. Group life insurance

    CERN Multimedia

    2013-01-01

    The CERN Administration wishes to inform staff members and fellows having taken out optional life insurance under the group contract signed by CERN that the following changes to the rules and regulations entered into force on 1 January 2013:   The maximum age for an active member has been extended from 65 to 67 years. The beneficiary clause now allows insured persons to designate one or more persons of their choice to be their beneficiary(-ies), either at the time of taking out the insurance or at a later date, in which case the membership/modification form must be updated accordingly. Beneficiaries must be clearly identified (name, first name, date of birth, address).   The membership/modification form is available on the FP website: http://fp.web.cern.ch/helvetia-life-insurance For further information, please contact: Valentina Clavel (Tel. 73904) Peggy Pithioud (Tel. 72736)

  4. Computer Crime and Insurance.

    Science.gov (United States)

    Beaudoin, Ralph H.

    1985-01-01

    The susceptibility of colleges and universities to computer crime is great. While insurance coverage is available to cover the risks, an aggressive loss-prevention program is the wisest approach to limiting the exposures presented by computer technology. (MLW)

  5. Revenue Crop Protection Insurance

    OpenAIRE

    Edwards, William M.; Hofstrand, Donald

    2003-01-01

    Insurance against poor crop yields has been available for many years. But income from crop production can be low even when yields are not. A new risk management tool known as crop revenue insruance addresses this problem. Revenue insurance guarantees a certain level of revenue rather than just production. It protects you from declines in both crop prices and yields. The guarantee is based on market prices and the actual yield on your farm.

  6. Product liability insurance for WECS

    Energy Technology Data Exchange (ETDEWEB)

    Noun, R.J.

    1979-10-01

    Preliminary findings from a sampling of manufacturers indicate that product liability insurance for WECS is still difficult to obtain in many cases. About half of the 21 WECS manufacturers contacted do not have product liability insurance at this time. About one manufacturer in three who has attempted to obtain insurance has been rejected by at least one insurance company. In some instances, although an insurer had offered to provide coverage, the manufacturer found the rates quoted to be prohibitively expensive.

  7. INSURANCE CONSUMER PROTECTION IN ROMANIA

    OpenAIRE

    MARIUS DAN GAVRILETEA

    2010-01-01

    A very active sector in recent years (2002-2008) fot Romania is the insurance industry. Both individuals and companies need protection that should become more accurate. Given these aspects, sustained by a steady growth of the insurance market, in Romania the issue of protection of policyholders - as consumers of services (insurance) appeared. Inside this paper we will focus on the regulatory body which supervise the insurance business in Romania and the insurance contract – the main factor fo...

  8. Detection of Neutron Sources in Cargo Containers

    OpenAIRE

    Katz, J. I.

    2007-01-01

    We investigate the problem of detecting the presence of clandestine neutron sources, such as would be produced by nuclear weapons containing plutonium, within cargo containers. Small, simple and economical semiconductor photodiode detectors affixed to the outsides of containers are capable of producing statistically robust detections of unshielded sources when their output is integrated over the durations of ocean voyages. It is possible to shield such sources with thick layers of neutron-abs...

  9. Design of a spanloader cargo aircraft

    Science.gov (United States)

    1989-01-01

    With a growing demand for fast international freight service, the slow-moving cargo ships currently in use will soon find a substantial portion of their clients looking elsewhere. One candidate for filling this expected gap in the freight market is a span-loading aircraft (or 'flying wing') capable of long-range operation with extremely large payloads. This report summarizes the design features of an aircraft capable of fulfilling a long-haul, high-capacity cargo mission. The spanloader seeks to gain advantage over conventional aircraft by eliminating the aircraft fuselage and thus reducing empty weight. The primary disadvantage of this configuration is that the cargo-containing wing tends to be thick, thus posing a challenge to the airfoil designer. It also suffers from stability and control problems not encountered by conventional aircraft. The result is an interesting, challenging exercise in unconventional design. The report that follows is a student written synopsis of an effort judged to be the best of eight designs developed during the year 1988-1989.

  10. Is Lineup Cause in Insurance Policy an Inconsistent Point or Not?%保单上有排除条款算不算不符点?

    Institute of Scientific and Technical Information of China (English)

    刘楠

    2005-01-01

    @@ 开证行 A的拒付与寄单行B的的驳 信用征要求:INSURANCE POLICY/CERTIFICATE ISSUED AND SIGNED BY INSURANCE COMPANY FOR 110% OF INVOICE VALUE,BLANK ENDORSED, COVERING INSTITUTE CARGO CLAUSE (A),INSTITUTE STRIKES CLAUSE, INSITUTE WAR CLAUSES, WAREHOUSE TO WAREHOUSE CLAUSE AND WITH CLAIMS PAYABLE AT DESTINATION IN CURRENCY OF THIS CREDIT.

  11. Serbian insurance market: Select issues

    Directory of Open Access Journals (Sweden)

    Obadović Mirjana M.

    2010-01-01

    Full Text Available Every day insurance companies face a number of risks arising from the insurance industry itself, as well as risks arising from insurance company operations. In this constant fight against risks insurance companies use different models and methods that help them better understand, have a more comprehensive view of, and develop greater tolerance towards risks, in order to reduce their exposure to these risks. The model presented in this paper has been developed for implementation in insurance risk management directly related to insurance company risk, i.e. it is a model that can reliably determine the manner and intensity with which deviations in the initial insurance risk assessment affect insurance company operations, in the form of changes in operational risks and consequently in insurance companies’ business strategies. Additionally we present the implementation of the model in the Serbian market for the period 2005-2010.

  12. Dental insurance! Are we ready?

    Science.gov (United States)

    Toor, Ravi S S; Jindal, R

    2011-01-01

    Dental insurance is insurance designed to pay the costs associated with dental care. The Foreign Direct Investment (FDI) bill which was put forward in the winter session of the Lok Sabha (2008) focused on increasing the foreign investment share from the existing 26% to 49% in the insurance companies of India. This will allow the multibillion dollar international insurance companies to enter the Indian market and subsequently cover all aspects of insurance in India. Dental insurance will be an integral a part of this system. Dental insurance is a new concept in Southeast Asia as very few countries in Southeast Asia cover this aspect of insurance. It is important that the dentists in India should be acquainted with the different types of plans these companies are going to offer and about a new relationship which is going to emerge in the coming years between dentist, patient and the insurance company. PMID:21525693

  13. New technologies - boundaries of insurability

    Energy Technology Data Exchange (ETDEWEB)

    Schimana, D. [Marsh GmbH, Duesseldorf (Germany)

    2005-07-01

    The insurance industry has always kept pace with advances in power station technology. Major development steps have been supported by an appropriate distribution of risk among developers, manufacturers, owners, investors and insurers. The main consideration is the extent to which the insurance market classifies damage to new technology as forseeable and therefore uninsurable. In the 1990s, insurers responded to this by making the answer clear in the terms of insurance for gas turbines, for example. More recently, we have seen a similar response for wind power and biogas plants. To avoid any nasty surprises when an insured event occurs, it is essential to conduct an early and frank discussion of new developments with all parties involved in a project, including lenders and insurers. This article will use examples to demonstrate criteria for classifications in the insurance market and the impact on the insurance protection for such plants in the opinion of an industry expert who is regularly involved in such projects. (orig.)

  14. Dental insurance! Are we ready?

    Directory of Open Access Journals (Sweden)

    Ravi SS Toor

    2011-01-01

    Full Text Available Dental insurance is insurance designed to pay the costs associated with dental care. The Foreign Direct Investment (FDI bill which was put forward in the winter session of the Lok Sabha (2008 focused on increasing the foreign investment share from the existing 26% to 49% in the insurance companies of India. This will allow the multibillion dollar international insurance companies to enter the Indian market and subsequently cover all aspects of insurance in India. Dental insurance will be an integral a part of this system. Dental insurance is a new concept in Southeast Asia as very few countries in Southeast Asia cover this aspect of insurance. It is important that the dentists in India should be acquainted with the different types of plans these companies are going to offer and about a new relationship which is going to emerge in the coming years between dentist, patient and the insurance company.

  15. Group Life Insurance

    CERN Multimedia

    2013-01-01

    The CERN Administration would like to remind you that staff members and fellows have the possibility to take out a life insurance contract on favourable terms through a Group Life Insurance.   This insurance is provided by the company Helvetia and is available to you on a voluntary basis. The premium, which varies depending on the age and gender of the person insured, is calculated on the basis of the amount of the death benefit chosen by the staff member/fellow and can be purchased in slices of 10,000 CHF.    The contract normally ends at the retirement age (65/67 years) or when the staff member/fellow leaves the Organization. The premium is deducted monthly from the payroll.   Upon retirement, the staff member can opt to maintain his membership under certain conditions.   More information about Group Life Insurance can be found at: Regulations (in French) Table of premiums The Pension Fund Benefit Service &...

  16. ENDOWMENT LIFE INSURANCE

    Directory of Open Access Journals (Sweden)

    Zeljko Sain

    2013-06-01

    Full Text Available The aim of the paper that treats the actuarial model of insurance in case of survival or early death is to show the actuarial methods and methodology for creating a model and an appropriate number of sub-models of the most popular form of life insurance in the world. The paper applies the scientific methodology of the deductive character based on scientific, theoretical knowledge and practical realities. Following the basic theoretical model’s determinants, which are at the beginning of the paper, the basic difference between models further in this paper was carried out according to the character of the premium to be paid. Finally, the financial repercussions of some models are presented at examples in insurance companies. The result of this paper is to show the spectrum of possible forms of capital endowment insurance which can be, without major problems, depending on the financial policy of the company, applied in actual practice. The conclusion of this paper shows the theoretical and the practical reality of this model, life insurance, and its quantitative and qualitative guidelines.

  17. Constant Proportion Portfolio Insurance

    DEFF Research Database (Denmark)

    Jessen, Cathrine

    2014-01-01

    Portfolio insurance, as practiced in 1987, consisted of trading between an underlying stock portfolio and cash, using option theory to place a floor on the value of the position, as if it included a protective put. Constant Proportion Portfolio Insurance (CPPI) is an option-free variation on the...... theme, originally proposed by Fischer Black. In CPPI, a financial institution guarantees a floor value for the “insured” portfolio and adjusts the stock/bond mix to produce a leveraged exposure to the risky assets, which depends on how far the portfolio value is above the floor. Plain-vanilla portfolio...... insurance largely died with the crash of 1987, but CPPI is still going strong. In the frictionless markets of finance theory, the issuer’s strategy to hedge its liability under the contract is clear, but in the real world with transactions costs and stochastic jump risk, the optimal strategy is less obvious...

  18. Anti-Insurance: Analysing the Health Insurance System in Australia

    OpenAIRE

    Joshua S. Gans; Stephen P. King

    2003-01-01

    This paper develops a model to analyse the Australian health insurance system when individuals differ in their health risk and this risk is private information. The Australian system involves mixed public and private health insurance with private insurance both duplicating and supplementing public insurance. We show that, absent any other interventions, the Australian system implicitly transfers wealth from those most at risk of adverse health to those least at risk. When considered over soci...

  19. Disability Insurance and Health Insurance Reform: Evidence from Massachusetts

    OpenAIRE

    Nicole Maestas; Kathleen J. Mullen; Alexander Strand

    2014-01-01

    As health insurance becomes available outside of the employment relationship as a result of the Affordable Care Act (ACA), the cost of applying for Social Security Disability Insurance (SSDI)–potentially going without health insurance coverage during a waiting period totaling 29 months from disability onset–will decline for many people with employer-sponsored health insurance. At the same time, the value of SSDI and Supplemental Security Income (SSI) participation will decline for individuals...

  20. Cargo transportation by two species of motor protein

    CERN Document Server

    Zhang, Yunxin

    2012-01-01

    The cargo motion in living cells transported by two species of motor protein with different intrinsic directionality is discussed in this study. Similar to single motor movement, cargo steps forward and backward along microtubule stochastically. Recent experiments found that, cargo transportation by two motor species has a memory, it does not change its direction as frequently as expected, which means that its forward and backward step rates depends on its previous motion trajectory. By assuming cargo has only the least memory, i.e. its step direction depends only on the direction of its last step, two cases of cargo motion are detailed analyzed in this study: {\\bf (I)} cargo motion under constant external load; and {\\bf (II)} cargo motion in one fixed optical trap. Due to the existence of memory, for the first case, cargo can keep moving in the same direction for a long distance. For the second case, the cargo will oscillate in the trap. The oscillation period decreases and the oscillation amplitude increase...

  1. Nuclear insurance and indemnity

    International Nuclear Information System (INIS)

    A brief account is given of insurance protection in the nuclear industry, and the legislation involved. Aspects discussed are: third part liability and the role of government in setting the maximum amount of compensation; the development and concept of channelling the liability exclusively to the operator; the development of nuclear insurance facilities in Europe and the USA; and the emergence in Europe of international agreements on third party liability for protection of neighbouring countries in the event of a major accident. The development of liability law in the USA from the time of the Price Anderson Act of 1957 through subsequent legislation is described. (U.K.)

  2. American nuclear insurers

    International Nuclear Information System (INIS)

    Nuclear liability insurance covers liability for damages directly caused by the nuclear energy hazard. This coverage includes offsite bodily injury and property damage sustained by members of the general public, and bodily injury to onsite third party personnel. Recent nuclear liability claims allege bodily injury and property damage resulting from releases or radioactive materials to the environmental and occupational radiation worker exposures. Routine reactor operations involving radioactive waste have the potential to result in such claims. The nuclear insurance Pools believe that one way such claims can be minimized is through the implementation of an effective radioactive waste management program

  3. Self Insurance and Other Trends in Insurance Management.

    Science.gov (United States)

    Addicks, R. C., Jr.

    When determining a school system insurance program, the school board should first set a general insurance management policy statement for administrators to carry out. Next an overview of all the system operations must be made. The risks must then be quantified in terms of all potential financial loss. When designing an insurance program, the…

  4. STRATEGIC MANAGEMENT OF TRANSPORT CARGO COMPLEX

    Directory of Open Access Journals (Sweden)

    A. M. Okorokov

    2014-06-01

    Full Text Available Purpose. Making the qualitative administrative decisions defining strategy and tactics of transport cargo complexes development, and also its subsystems, is possible only in the presence of flexible optimization model. This model has to consider multiparametricity and multicriteriality of the given task, uncertainty and vagueness of input information, and also to provide process automation of searching the best parameters of the given production facility. The purpose of the research is to develop procedures for the strategic management of complex with view of the most important factors and their stochastic nature, which will execute the improvement of technical equipment of TCC. Methodology. The problem of strategic management is based on solving the complex of issues of the optimal number of shunting locomotives, optimal processing capability of handling the front and rational capacity of warehouses. The problem is solved on the basis of the proposed optimality criterion – the specific set of profit per unit of capital assets of freight industry. The listed problems are solved using simulation modeling of the freight industry. Findings. The use of developed procedure allows one to improve the technical equipment of the freight stations and complexes. Originality. For the first time it was developed the procedure of strategic management of development. This procedure allows taking into account the probabilistic nature of demand for services of transport freight complexes and technological processes of client services on the complex stations. The proposed procedure can be applied during when planning the investments in the creation of transport freight complexes. Practical value. Use as a basic tool of simulation models of complex cargo operation allows estimating the effectiveness of the capital investments, the level of operating costs, as well as the quality of meeting the demands of potential customers in transportations at the stage of

  5. Insurance, risk, and magical thinking.

    Science.gov (United States)

    Tykocinski, Orit E

    2008-10-01

    The possession of an insurance policy may not only affect the severity of a potential loss but also its perceived probability. Intuitively, people may feel that if they are insured nothing bad is likely to happen, but if they do not have insurance they are at greater peril. In Experiment 1, respondents who were reminded of their medical insurance felt they were less likely to suffer health problems in the future compared to people who were not reminded of their medical insurance. In Experiment 2a, participants who were unable to purchase travel insurance judged the probability of travel-related calamities higher compared to those who were insured. These results were replicated in Experiment 3a in a simulation of car accident insurance. The findings are explained in terms of intuitive magical thinking, specifically, the negative affective consequences of "tempting fate" and the sense of safety afforded by the notion of "being covered." PMID:18612038

  6. NLS cargo transfer vehicle propulsion system

    Science.gov (United States)

    Hearn, Hank C.; Langford, G. K.

    1992-02-01

    The propulsion system of the Cargo Transfer Vehicle is designed to meet a wide range of requirements associated with the National Launch System (NLS) resupply function for Space Station Freedom. It provides both orbit adjustment and precise vehicle control capability, and is compatible with close proximity operation at the space station as well as return on the shuttle for ground refurbishment and reuse. Preliminary trade studies have resulted in designing and sizing an integrated bipropellant system using monomethyl hydrazine and nitrogen tetroxide. Design and analysis activities are continuing, and the design will evolve and mature as part of the NLS program.

  7. PREMIUMS CALCULATION FOR LIFE INSURANCE

    Directory of Open Access Journals (Sweden)

    ANA PREDA

    2012-10-01

    Full Text Available The paper presents the techniques and the formulas used on international practice for establishing the premiums for a life policy. The formulas are generally based on a series of indicators named mortality indicators which mainly point out the insured survival probability, the death probability and life expectancy at certain age. I determined, using a case study, the unique net premium, the annual net premium for a survival insurance, whole life insurance and mixed life insurance.

  8. Insurance search and switching behavior

    OpenAIRE

    Bolhaar, J.A.; Klaauw, van der, B.; Lindeboom, M.

    2010-01-01

    This discussion paper resulted in a publication in 'De Economist' , 2015, 163, 25-60. This paper looks into the search behavior of consumers in the market for health insurance contracts. We consider the recent health insurance reform in The Netherlands, where a private-public mix of insurance provision was replaced by a system based on managed competition. Although all insurers offer the same basic package (determined by the government), there is substantial premium dispersion. We develop a s...

  9. Managing Risk With Revenue Insurance

    OpenAIRE

    Dismukes, Robert; Coble, Keith H.

    2006-01-01

    Crop revenue insurance offers farmers a way to manage revenue variability that results from yield and price risks. Commodity-level revenue insurance, particularly for corn, soybeans, and wheat, has become a major part of the subsidized Federal crop insurance program. Whole-farm revenue insurance, based on combined revenue from all commodities produced on a farm, is a more broad-based approach, but is difficult to administer.

  10. Why Firms Purchase Property Insurance?

    OpenAIRE

    Daniel Aunon-Nerin; Paul Ehling

    2007-01-01

    We investigate whether corporate finance incentives aect the extent of corporate hedging with property insurance. Using a database that contains detailed insurance information, we show that rms buy property insurance to reduce the expected costs of distress. Further, we document a scale effect: large rms purchase less insurance per unit of property. This is consistent with the notion that expected bankruptcy costs fall as firm size increases. We also show that the dividend payout ratio exerts...

  11. Employment Turnover and Unemployment Insurance

    OpenAIRE

    Hassler, John; Vicente Rodríguez Mora, José

    1997-01-01

    Two features distinguish European and US labour markets. First, most European countries have a considerably more generous unemployment insurance system. Second, the duration of unemployment and employment spells are substantially higher in Europe – employment turnover is lower. We show that self-insurance, i.e. saving and borrowing, is a good substitute for unemployment insurance when turnover is as high as in the United States. If the insurance system is less than perfectly actuarially fair,...

  12. Insurance revolution within British gas

    Energy Technology Data Exchange (ETDEWEB)

    Rooke, R.W.

    1976-07-01

    With the transformation of the British gas industry from a manufacturing to a distribution role, British Gas Corp. questioned the whole function of insurance within the industry and arrived at a new approach of extended self-insurance. The basic questions posed were whether British Gas really needed insurance protection, what size of loss it could absorb within its own financial resources, and what catastrophic losses might occur that should be covered by insurance. In the past, each area board determined its own insurance requirements and obtained the best coverage available for its needs. With the formation of British Gas, however, insurance was investigated on an industry-wide basis by an insurance committee in which each region was represented by its insurance officer. This enabled the industry to negotiate from a position of strength in what would be a bulk purchase and permit the most flexible coverage to be obtained at the most economic cost. The committee proposed a system that made the figure of $3.6 million (pounds 2 million) the main criterion for self-insurance; risks not considered as having a real potential for a loss exceeding this figure would be borne uninsured. Where such potential existed, only amounts above this figure would be insured. The actual program that was eventually adopted cancelled the employer's liability insurance, retained third-party insurance for claims over $3.6 million, retained full-coverage fire insurance, reduced engineering coverage to an inspection service only, retained motor and personal accident insurance for further consideration, and cancelled all other forms of insurance. To implement this program of greater self-insurance, British Gas strengthened the claims-handling expertise within the regions and has incorporated greater risk management techniques to reduce or eliminate risks with loss-making potential.

  13. Insurance - Piper Alpha ''et al''

    International Nuclear Information System (INIS)

    This paper opens with some brief information about the Piper Alpha loss, how the loss was handled and its final cost. More importantly, it discusses the effect of the Piper Alpha loss on the world insurance market including the oil insurance captives such as O.I.L Limited. Finally, the insurance market current status and prognosis for the future are considered. (Author)

  14. 46 CFR Sec. 13 - Insurance.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Insurance. Sec. 13 Section 13 Shipping MARITIME... REPAIRS UNDER NATIONAL SHIPPING AUTHORITY MASTER LUMP SUM REPAIR CONTRACT-NSA-LUMPSUMREP Sec. 13 Insurance... respect to awarded work. Said Article 9 requires that the Contractor shall maintain insurance to...

  15. Insurance: Pupils' Pamphlet. II C.

    Science.gov (United States)

    University of the South Pacific, Suva (Fiji).

    The document presents a study guide for students learning insurance protection and the various types of insurance businesses. The pupils' pamphlet is to be used in coordination with the teacher's guide. Case studies, worksheets, description of basic principles, and examples of policy forms are provided for the different types of insurance: (1)…

  16. Portfolio Selection and Insurance Period

    OpenAIRE

    Aoba, Nobuko

    2001-01-01

    This paper examines market risks, portfolio selection and period of insurance in a life insurance market. Date from many countries indicate that over ninety percent of bankruptcies of life insurers are due of failures in financial risk management. Financial risk management is therefore central. ...

  17. Price Variability in Automobile Insurance

    OpenAIRE

    Joseph A. Fields; Emilio C. Venezian; David Jou

    1992-01-01

    In this paper the causes of variation in automobile insurance prices are examined within a small and homogenous state. The central hypothesis of interest is the relation between the price of automobile insurance and the quality of the product. The findings here indicate that the market is one which contains substantial frictions, making the search for automobile insurance products a worthwhile activity for consumers.

  18. 46 CFR 308.403 - Insured amounts.

    Science.gov (United States)

    2010-10-01

    ... total amount of war risk insurance obtainable from companies authorized to do an insurance business in a... MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Builder's Risk Insurance § 308.403 Insured amounts. (a) Prelaunching period. The amount insured...

  19. Aviation and insurance

    Science.gov (United States)

    Mayo, R H

    1922-01-01

    This article considers some of the causes which hinder the development of aircraft insurance. Different risks are discussed as well as the causes of aircraft accidents. Pilot error, poor airdromes, weather conditions, poorly adapted airplanes, and engine failures are all examined and some conclusions are made.

  20. HOUSING INSURANCE IN ROMANIA

    Directory of Open Access Journals (Sweden)

    FLOREA IANC MARIA MIRABELA

    2014-12-01

    Full Text Available Last few years have shown that Romania is not protected from the consequences of climate change. It is clear that type flood events may cause social problems and losses is difficult financing from public resources, especially in the context of the existence of budget constraints. The only viable system to cope with such disasters is insurance system that has the ability to spread risks by reinsurance Natural disasters - earthquakes, floods, landslides - are just some of the risks that may threaten your home. And if natural disasters can seem distant danger, think as fires, floods caused by broken pipes or theft of household goods are trouble can happen anytime to anyone. To protect yourself in such unpleasant situations, whose frequency is unfortunately on the rise, it is necessary to be assured. Thus, you will be able to recover losses in the event that they occur. The house is undoubtedly one of the most important assets we own. Therefore, the Romans began to pay increasingly more attention to domestic insurance products. Since 2011, voluntary home insurance, life insurance with, were the most dynamic segments of the market.

  1. Insurance: Teacher's Guide. IIC.

    Science.gov (United States)

    University of the South Pacific, Suva (Fiji).

    The document presents a guide for teaching insurance protection based on the needs of students in the South Pacific. It is presented as a unit of study within the area of consumer education. Suggestions for unit objectives, student activities, time allocation, teaching methods, and reference materials are offered. A lesson plan is outlined based…

  2. Need Health Insurance?

    Centers for Disease Control (CDC) Podcasts

    2013-12-23

    Sign up for affordable health insurance with free preventive services available beginning October 1, 2013 through March 31, 2014.  Created: 12/23/2013 by Office of the Associate Director for Policy (OADP), Office of the Associate Director for Communication (OADC).   Date Released: 12/23/2013.

  3. Transportation of nanoscale cargoes by myosin propelled actin filaments.

    Directory of Open Access Journals (Sweden)

    Malin Persson

    Full Text Available Myosin II propelled actin filaments move ten times faster than kinesin driven microtubules and are thus attractive candidates as cargo-transporting shuttles in motor driven lab-on-a-chip devices. In addition, actomyosin-based transportation of nanoparticles is useful in various fundamental studies. However, it is poorly understood how actomyosin function is affected by different number of nanoscale cargoes, by cargo size, and by the mode of cargo-attachment to the actin filament. This is studied here using biotin/fluorophores, streptavidin, streptavidin-coated quantum dots, and liposomes as model cargoes attached to monomers along the actin filaments ("side-attached" or to the trailing filament end via the plus end capping protein CapZ. Long-distance transportation (>100 µm could be seen for all cargoes independently of attachment mode but the fraction of motile filaments decreased with increasing number of side-attached cargoes, a reduction that occurred within a range of 10-50 streptavidin molecules, 1-10 quantum dots or with just 1 liposome. However, as observed by monitoring these motile filaments with the attached cargo, the velocity was little affected. This also applied for end-attached cargoes where the attachment was mediated by CapZ. The results with side-attached cargoes argue against certain models for chemomechanical energy transduction in actomyosin and give important insights of relevance for effective exploitation of actomyosin-based cargo-transportation in molecular diagnostics and other nanotechnological applications. The attachment of quantum dots via CapZ, without appreciable modulation of actomyosin function, is useful in fundamental studies as exemplified here by tracking with nanometer accuracy.

  4. Information tecnology and its impact on port cargo distribution businness

    OpenAIRE

    Trampus, Francesca

    2002-01-01

    The IT revolution has dynamised the port cargo business: up-to-date software is needed to optimize operations such as vessel loading, yard planning, equipment flow, gate handling, administration and invoicing and it is also essential for vessel tracking, electronic declaration of cargo and passengers and as a communication platform to all port users.

  5. 29 CFR 1917.14 - Stacking of cargo and pallets.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 7 2010-07-01 2010-07-01 false Stacking of cargo and pallets. 1917.14 Section 1917.14 Labor Regulations Relating to Labor (Continued) OCCUPATIONAL SAFETY AND HEALTH ADMINISTRATION... pallets. Cargo, pallets and other material stored in tiers shall be stacked in such a manner as to...

  6. 33 CFR 155.775 - Maximum cargo level of oil.

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 2 2010-07-01 2010-07-01 false Maximum cargo level of oil. 155.775 Section 155.775 Navigation and Navigable Waters COAST GUARD, DEPARTMENT OF HOMELAND SECURITY... Personnel, Procedures, Equipment, and Records § 155.775 Maximum cargo level of oil. (a) For the purposes...

  7. Insurance against climate change and flood risk: Insurability and decision processes of insurers

    Science.gov (United States)

    Hung, Hung-Chih; Hung, Jia-Yi

    2016-04-01

    1. Background Major portions of the Asia-Pacific region is facing escalating exposure and vulnerability to climate change and flood-related extremes. This highlights an arduous challenge for public agencies to improve existing risk management strategies. Conventionally, governmental funding was majorly responsible and accountable for disaster loss compensation in the developing countries in Asia, such as Taiwan. This is often criticized as an ineffective and inefficient measure of dealing with flood risk. Flood insurance is one option within the toolkit of risk-sharing arrangement and adaptation strategy to flood risk. However, there are numerous potential barriers for insurance companies to cover flood damage, which would cause the flood risk is regarded as uninsurable. This study thus aims to examine attitudes within the insurers about the viability of flood insurance, the decision-making processes of pricing flood insurance and their determinants, as well as to examine potential solutions to encourage flood insurance. 2. Methods and data Using expected-utility theory, an insurance agent-based decision-making model was developed to examine the insurers' attitudes towards the insurability of flood risk, and to scrutinize the factors that influence their decisions on flood insurance premium-setting. This model particularly focuses on how insurers price insurance when they face either uncertainty or ambiguity about the probability and loss of a particular flood event occurring. This study considers the factors that are expected to affect insures' decisions on underwriting and pricing insurance are their risk perception, attitudes towards flood insurance, governmental measures (e.g., land-use planning, building codes, risk communication), expected probabilities and losses of devastating flooding events, as well as insurance companies' attributes. To elicit insurers' utilities about premium-setting for insurance coverage, the 'certainty equivalent,' 'probability

  8. Modern problems in insurance mathematics

    CERN Document Server

    Martin-Löf, Anders

    2014-01-01

    This book is a compilation of 21 papers presented at the International Cramér Symposium on Insurance Mathematics (ICSIM) held at Stockholm University in June, 2013. The book comprises selected contributions from several large research communities in modern insurance mathematics and its applications. The main topics represented in the book are modern risk theory and its applications, stochastic modelling of insurance business, new mathematical problems in life and non-life insurance, and related topics in applied and financial mathematics. The book is an original and useful source of inspiration and essential reference for a broad spectrum of theoretical and applied researchers, research students and experts from the insurance business. In this way, Modern Problems in Insurance Mathematics will contribute to the development of research and academy–industry co-operation in the area of insurance mathematics and its applications.

  9. Environmental control of microtubule-based bidirectional cargo-transport

    CERN Document Server

    Klein, Sarah; Santen, Ludger

    2014-01-01

    Inside cells, various cargos are transported by teams of molecular motors. Intriguingly, the motors involved generally have opposite pulling directions, and the resulting cargo dynamics is a biased stochastic motion. It is an open question how the cell can control this bias. Here we develop a model which takes explicitly into account the elastic coupling of the cargo with each motor. We show that bias can be simply controlled or even reversed in a counterintuitive manner via a change in the external force exerted on the cargo or a variation of the ATP binding rate to motors. Furthermore, the superdiffusive behavior found at short time scales indicates the emergence of motor cooperation induced by cargo-mediated coupling.

  10. Fatalities to occupants of cargo areas of pickup trucks.

    Science.gov (United States)

    Anderson, C L; Agran, P F; Winn, D G; Greenland, S

    2000-07-01

    We sought to describe the fatalities to occupants of pickup truck cargo areas and to compare the mortality of cargo area occupants to passengers in the cab. From the Fatality Analysis Reporting System (FARS) files for 1987-1996, we identified occupants of pickup trucks with at least one fatality and at least one passenger in the cargo area. Outcomes of cargo area occupants and passengers in the cab were compared using estimating equations conditional on the crash and vehicle. Thirty-four percent of deaths to cargo occupants were in noncrash events without vehicle deformation. Fifty-five percent of those who died were age 15-29 years and 79% were male. The fatality risk ratio (FRR) comparing cargo area occupants to front seat occupants was 3.0 (95% Confidence Interval [CI] = 2.7-3.4). The risk was 7.9 (95% CI = 6.2-10.1) times that of restrained front seat occupants. The FRR ranged from 92 (95% CI = 47-179) in noncrash events to 1.7 (95% CI = 1.5-1.9) in crashes with severe vehicle deformation. The FRR was 1.8 (95% CI = 1.4-2.3) for occupants of enclosed cargo areas and 3.5 (95% CI = 3.1-4.0) for occupants of open cargo areas. We conclude that passengers in cargo areas of pickup trucks have a higher risk of death than front seat occupants, especially in noncrash events, and that camper shells offer only limited protection for cargo area occupants. PMID:10868756

  11. 49 CFR 1546.213 - Access to cargo: Security threat assessments for cargo personnel in the United States.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 9 2010-10-01 2010-10-01 false Access to cargo: Security threat assessments for...: Security threat assessments for cargo personnel in the United States. This section applies in the United...— (1) Each individual must successfully complete a security threat assessment or comparable...

  12. 49 CFR 1548.15 - Access to cargo: Security threat assessments for individuals having unescorted access to cargo.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 9 2010-10-01 2010-10-01 false Access to cargo: Security threat assessments for... SECURITY CIVIL AVIATION SECURITY INDIRECT AIR CARRIER SECURITY § 1548.15 Access to cargo: Security threat... must successfully complete a security threat assessment or comparable security threat...

  13. Financing and insurance problems

    International Nuclear Information System (INIS)

    The author analyses the papers presented at the Paris Conference on the maturity of nuclear energy. It is evident that financing possibilities will be a determinant factor in the rate of development of nuclear power during the years to come. After having evaluated the capital requirements necessitated for the development of nuclear programmes, the parties intervening have examined the means at the disposal of electricity manufacturers to meet these needs (self-financing, recourse to external financing, regrouping, on an international scale of the electricity manufacturers of the setting up of high capacity plants). As concerns the insurance problems, they are becoming more and more involved as nuclear applications, are further diversified and intensified. The parties intervening have discussed new tarification techniques likely to be applied and pointed out the possibilities offered by regrouping or pooling of insurers (Market Pool) which allow for a maximum of risks to be covered without exceeding the means proper to each company concerned

  14. Consumers’ Collision Insurance Decisions

    DEFF Research Database (Denmark)

    Austin, Laurel; Fischhoff, Baruch

    is an inferior good (Mossin, 1968). The behaviour reported by subjects in our study suggests that insurance is a normal good, while their verbal reports reveal desires to balance two conflicting goals in deductible decisions, keeping premiums “affordable” and keeping deductibles “affordable,” which suggests...... a cognitive model based on budgeting. Our findings emphasize the importance of budget constraints, which lead consumers to budget their income across consumption categories. We find also that a simple heuristic accounts for many collision coverage decisions: purchase coverage for cars worth more than some......Using interviews with 74 drivers, we elicit and analyse how people think about collision coverage and, more generally, about insurance decisions. We compare the judgments and behaviours of these decision makers to the predictions of a range of theoretical models: (a) A model developed by Lee (2007...

  15. Nuclear energy and insurance

    International Nuclear Information System (INIS)

    It examines the technical, scientific and legal issues relating to the peaceful use of atomic energy in Turkey. The first fifteen chapters give a general overview of the atom and radioactivity; the chapters which follow this section are more technical and deal with the causes of nuclear accidents in reactors.A number of chapters cover legal issues, for example the conditions and procedures involved in the insurance market and the risks linked to operation of a nuclear power plant.The following subjects are examined in relation to nuclear insurance: risks during construction; fire during operation of the plants and other causes of accidents; risks due to the transport of radioactive materials and waste etc. The final chapters reproduce the principle legislative texts in force in Turkey in the field of nuclear energy, and also certain regulations which establish competent regulatory bodies

  16. Risk management and insurance

    OpenAIRE

    Kenneth A. Froot

    2012-01-01

    Ulm University is regarded as a pioneer in the establishment of Quantitative Economics. In 1977, it was Ulm that first introduced Mathematics and Management as a course of studies, which to this day still enjoys a great demand, and which has led to the establishment of similar study programs in other locations. This study course forms the basis for the successful research area of risk management and insurances established at the Ulm University.

  17. Life insurance mathematics

    CERN Document Server

    Gerber, Hans U

    1997-01-01

    This concise introduction to life contingencies, the theory behind the actuarial work around life insurance and pension funds, will appeal to the reader who likes applied mathematics. In addition to model of life contingencies, the theory of compound interest is explained and it is shown how mortality and other rates can be estimated from observations. The probabilistic model is used consistently throughout the book. Numerous exercises (with answers and solutions) have been added, and for this third edition several misprints have been corrected.

  18. Insurance contracts on tourism

    OpenAIRE

    Krasniqi, Armand

    2010-01-01

    The business life in the modern world is developed upon the logia of the domination of the rules and within them an important role play those that are related to implementation of the standards that are connected with he security and insurances. Due to the need for an economic transformation it resulted with the creating of a new set of new contracts which commencing from several general principles of the obligatory law, that regulate the situation which were not established insofar, which in...

  19. Unions and Wage Insurance

    OpenAIRE

    Burda, Michael C

    1995-01-01

    Existing theories of unions emphasize their impact on wage levels relative to the opportunity cost of leisure. This paper explores tha possibility that monopoly unions provide income insurance against idiosyncratic wage variability. An optimal union contract is characterized by real wage and other types of flexibility only in response to systematic changes in underlying uncertainty. Under such conditions, there is no presumption that the "union wage premium" relative to the free market wage i...

  20. Insurance in Tourism Industry

    OpenAIRE

    Taleski, Petar; Taskov, Nako

    2011-01-01

    The issue of cost and availability of insurance, particularly for tourism operators, has become a common issue for the tourism industry across European Union. It has been particularly problematic in those jurisdictions that have a high number of adventure and eco-tourism operators. The main challenge appears to be in relation to securing commercial general liability coverage and/or obtaining such coverage on a cost effective basis. One of the problems is that the tourism industry does not ...

  1. Legal and insurance problems related to the salvage of radioactive materials from the sea

    International Nuclear Information System (INIS)

    The costs involved in salvaging radioactive materials from the sea are usually not covered by nuclear third party liability insurance, whereas transport insurance normally covers such costs. However, in specific cases, such as high level waste transports, even transport insurance might not provide sufficient protection. The issue then for the party concerned, which may be obliged to salvage, becomes complex. According to administrative laws concerning public order and security in the Federal Republic of Germany (FRG), the owner of cargo which represents a disturbance to the public order can be obliged to remove such a disturbance (in this case, salvaging the radioactive materials). These laws are applicable not only when the cargo is to be salvaged within the territorial waters of the FRG, but also for salvage operations on the open seas when the public order and security of the FRG is, or might be, negatively affected. The latter application does not conflict with international law. However, it should be mentioned that according to international law, no state is allowed to enforce its own administrative laws against persons or organizations residing in a foreign state. In such cases, the foreign state must be asked to enforce the salvage obligation. The owner of the cargo usually cannot take recourse with respect to the salvage costs against such third parties as the shipping companies involved in the accident or the shipping agent because, according to international treaties, the liability of these parties for nautical negligence that causes damage to the transport goods is excluded. Recently, it has become possible to buy special insurance coverage for salvage costs. (author)

  2. Transporting "exceptional cargo" on the CERN sites

    CERN Multimedia

    EN Department

    2012-01-01

    When the Transport Service is managing "exceptional cargo", the driver and the escort are often in charge of an operation involving equipment worth many hundred thousand francs. Equipment that may well be irreplaceable for a facility or an experiment.   The members of the Transport Service who carry out these tasks are very professional and are – needless to say – highly concentrated on the job. They count on your understanding and support in the traffic on site. Their convoys are – for good reasons – moving slowly. Kindly do not overtake, do not cut in in front of them and do not drive too closely. Respect the escort and do not position yourself between the truck and the escort vehicles. The EN department counts on your courtesy on the road.  

  3. A Liquid Cargo Handling Training Simulator

    Directory of Open Access Journals (Sweden)

    Malvin Villabø

    1982-01-01

    Full Text Available This paper describes a computer-based, real-time training simulator for liquid cargo handling. The mathematical model description is modular and emphasizes the flow generating part. The flow model applies network theory to describe the logical piping connections and the overall flow system performance, while Bernoulli's equation is used for the description of the piping elements. Numerically the Newton-Raphson method is applied for computation of the non-linear flow model. The programming language is HP-FORTRAN IV and the simulator is implemented on an HP minicomputer system. The instructor part of the system is interactive and controlled by the use of a standard ASCII terminal. The simulation part of the system is running in real-time or scaled real-time, and is controlled from the trainee's panel.

  4. Optimal social insurance with linear income taxation

    DEFF Research Database (Denmark)

    Bovenberg, Lans; Sørensen, Peter Birch

    2009-01-01

    We study optimal social insurance aimed at insuring disability risk in the presence of linear income taxation. Optimal disability insurance benefits rise with previous earnings. Optimal insurance is incomplete even though disability risks are exogenous and verifiable so that moral hazard in...... disability insurance is absent. Imperfect insurance is optimal because it encourages workers to insure themselves against disability by working and saving more, thereby alleviating the distortionary impact of the redistributive income tax on labor supply and savings....

  5. Limited Deposit Insurance Coverage and Bank Competition

    OpenAIRE

    Shy, Oz; Stenbacka, Rune; Yankov, Vladimir

    2014-01-01

    Deposit insurance designs in many countries place a limit on the coverage of deposits in each bank. However, no limits are placed on the number of accounts held with different banks. Therefore, under limited deposit insurance, some consumers open accounts with different banks to achieve higher or full deposit insurance coverage. We compare three regimes of deposit insurance: No deposit insurance, unlimited deposit insurance, and limited deposit insurance. We show that limited deposit insuranc...

  6. Claims expenses and insurance capacity in third party liability insurance

    International Nuclear Information System (INIS)

    The Chernobyl accident reminded insurers that the potential expenses connected with the handling and settlement of claims following a major nuclear accident can be very significant. These are a direct consequence of the accident and funds must be available to pay for these costs as well as for indemnities to victims. Claims expenses at present have to be borne by the insurers in addition to the sums insured for the compensation of third parties. If governments intend to increase the statutory amounts of liability, this would reduce the insurers' ability to make the maximum possible capacity available for indemnities to victims. Therefore, before increasing further the statutory limits of liability, governments should - in revising the Paris Convention - consider allowing insurers to include claims handling expenses in their total sums insured

  7. Insurance of nuclear power stations

    International Nuclear Information System (INIS)

    Electrical utility companies have invested large sums in the establishment of nuclear facilities. For this reason it is normal for these companies to attempt to protect their investments as much as possible. One of the methods of protection is recourse to insurance. For a variety of reasons traditional insurance markets are unable to function normally for a number of reasons including, the insufficient number of risks, an absence of meaningful accident statistics, the enormous sums involved and a lack of familiarity with nuclear risks on the part of insurers, resulting in a reluctance or even refusal to accept such risks. Insurers have, in response to requests for coverage from nuclear power station operators, established an alternative system of coverage - insurance through a system of insurance pools. Insurers in every country unite in a pool, providing a net capacity for every risk which is a capacity covered by their own funds, and consequently without reinsurance. All pools exchange capacity. The inconvenience of this system, for the operators in particular, is that it involves a monopolistic system in which there are consequently few possibilities for the negotiation of premiums and conditions of coverage. The system does not permit the establishment of reserves which could, over time, reduce the need for insurance on the part of nuclear power station operators. Thus the cost of nuclear insurance remains high. Alternatives to the poor system of insurance are explored in this article. (author)

  8. Optimal Taxation and Social Insurance with Endogenous Private Insurance

    OpenAIRE

    Chetty, Nadarajan; Saez, Emmanuel

    2008-01-01

    We characterize welfare gains from government intervention when the private sector provides partial insurance. We analyze models in which adverse selection, pre-existing information, or imperfect optimization create a role for government intervention. We derive formulas that map existing empirical estimates into quantitative predictions for optimal policy. When private insurance generates moral hazard, standard formulas for optimal government insurance must be modified to account for fiscal e...

  9. Claims prevention within home insurance : Insights from insurance customers

    OpenAIRE

    Skorna, Alexander C.H.; Paefgen, Johannes; von Watzdorf, Stephan

    2011-01-01

    The recent economic crisis has speeded up the concentration process within the European insurance sector. However, nowadays customers are more price sensitive, which increases pressure for the whole industry and in consequence leads to further premium erosions. Thus, some insurers are seeking new ways to differentiate their portfolio by offering innovative insurance products combined with prevention activities to compete with a high value-added service strategy. The objective of this research...

  10. Injuries to occupants in cargo areas of pickup trucks.

    Science.gov (United States)

    Agran, P; Winn, D; Anderson, C

    1994-11-01

    Transporting passengers in the cargo area of pickup trucks is a public health safety issue in the United States. Our study compared crashes involving passengers in the cargo area with those involving passengers in the cab. We obtained data for all injury events of pickup occupants for 1990 from the California Highway Patrol. A total of 702 traffic reports coded as having passengers riding in pickup truck beds involved 1,685 passengers in the cargo area and 865 in the cab. Significantly more events involving passengers in the cargo area occurred in summer in rural areas and were noncollisions than did events with only cab passengers. Crashes with passengers in the cargo area resulted in death in 5% of passengers. Of the drivers, 81% were male and 22% were younger than 20 years. Among the 1,685 passengers in the cargo area, 65% were male, 36% were younger than 15 years, and 30% were ages 15 to 19 years. Passengers in the cargo area were more frequently ejected and more seriously injured than their counterparts in the cab. Legislation to restrict travel in truck beds and the design of restraints for this area are some measures that may reduce the risk of injury. PMID:7810125

  11. Types and classes of insurance

    International Nuclear Information System (INIS)

    The German insurance pool for nuclear risks, the Deutsche Kernreaktor-Versicherungsgemeinschaft (DKVG), currently counts 105 members. In 1987, insurance protection provided for German nuclear power plants amounted to DM 1.5 thousand millions from property insurance, and DM 200 millions from nuclear liability insurance. The major part of financial security comes from the pool members, but some security also is provided by foreign nuclear insurance pools. In return, the DKVG signed a number of insurance policies as a reinsurance for nuclear installations abroad. The statistical survey presents facts and data for 1986 and 1987, and a brief review of 1986 events. The Chernobyl reactor accident did not affect the DKVG financially, as the Soviet nuclear industry does not co-operate in the international system of reinsurance. (orig./HSCH)

  12. 76 FR 45281 - National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers...

    Science.gov (United States)

    2011-07-28

    ... private insurance companies (Companies) and to make available to the Companies the terms for subscription... private insurance companies participating under the current FY2011 Arrangement. Any private insurance... SECURITY Federal Emergency Management Agency National Flood Insurance Program (NFIP); Assistance to...

  13. Technical and economic evaluation of advanced air cargo system concepts

    Science.gov (United States)

    Whitehead, A. H., Jr.

    1977-01-01

    The paper reviews NASA air cargo market studies, reports on NASA and NASA-sponsored studies of advanced freighter concepts, and identifies the opportunities for the application of advanced technology. The air cargo market is studied to evaluate the timing for, and the potential market response to, advanced technology aircraft. The degree of elasticity in future air freight markets is also being investigated, since the demand for a new aircraft is most favorable in a price-sensitive environment. Aircraft design studies are considered with attention to mission and design requirements, incorporation of advanced technologies in transport aircraft, new cargo aircraft concepts, advanced freighter evaluation, and civil-military design commonality.

  14. LONGEVITY INSURANCE: A MISSING MARKET

    OpenAIRE

    ADAM CREIGHTON; HENRY HONGBO JIN; JOHN PIGGOTT; Emiliano A. Valdez

    2005-01-01

    More than half of the world's old live in Asia, and around 35% in India and China alone. As demographic transition proceeds regionally and globally, the development of a robust and reliable longevity insurance market will become essential. Although the need for such insurance is most pressing in Asia, longevity risk is poorly managed practically everywhere. This paper reviews theory and practice relating to longevity risk and insurance, amid a rapidly changing demographic and policy landscape...

  15. Managing Risk with Crop Insurance

    OpenAIRE

    Edwards, William M.

    2003-01-01

    Every year Iowa farmers face the threat of damage to their crops from drought, hail, flood, insects, and other natural disasters. The U.S.D.A. Risk Management Agency (RMA) and private crop insurance venders have developed a set of insurance programs to help control crop production risks at a reasonable cost. Crop insurance coverage is not mandatory, but it does provide a financial safety net in case of severe production losses.

  16. Should Governments Provide Catastrophe Insurance?

    OpenAIRE

    Jaffee, Dwight; Russell, Thomas

    2005-01-01

    Hurricane Katrina and the terrorist attacks of 9/11 2001 have focused attention on the appropriate role of government in providing insurance against catastrophes. This paper argues that wherever possible governments should follow policies which enable the continuation of a private insurance market. In the event that government must itself provide catastrophe insurance it should follow the same actuarially based pricing and reserving rules that would be followed by a competitive private market.

  17. Insurance for autonomous underwater vehicles

    OpenAIRE

    Griffiths, G; N Bose; Ferguson, J.; Blidberg, D.R.

    2007-01-01

    The background and practice of insurance for autonomous underwater vehicles (AUVs) are examined. Key topics include: relationships between clients, brokers and underwriters; contract wording to provide appropriate coverage; and actions to take when an incident occurs. Factors that affect cost of insurance are discussed, including level of autonomy, team experience and operating environment. Four case studies from industry and academia illustrate how AUV insurance has worked in practice. The p...

  18. Reforming deposit insurance and FDICIA

    OpenAIRE

    Robert A. Eisenbeis; Larry D. Wall

    2002-01-01

    Current discussions about deposit insurance reform center on issues such as the size of insurance premiums, the size of the fund, and the size of the coverage limits-all issues that reflect a concern with how to allocate the losses arising from bank failures. The authors of this article argue that such issues, while important, do not affect the performance of the deposit insurance system nor should they be the focus of deposit insurance reform. They suggest that reform efforts should be direc...

  19. The economics of health insurance.

    Science.gov (United States)

    Jha, Saurabh; Baker, Tom

    2012-12-01

    Insurance plays an important role in the United States, most importantly in but not limited to medical care. The authors introduce basic economic concepts that make medical care and health insurance different from other goods and services traded in the market. They emphasize that competitive pricing in the marketplace for insurance leads, quite rationally, to risk classification, market segmentation, and market failure. The article serves as a springboard for understanding the basis of the reforms that regulate the health insurance market in the Patient Protection and Affordable Care Act. PMID:23206642

  20. Insurability of export credit risks

    OpenAIRE

    Alsem, K.J.; Antufjew, J.; Huizingh, K.R.E.; Koning, Ruud H.; Sterken, E.; Woltil, M.

    2003-01-01

    Firms exporting their goods and services abroad face risks that are different from the risks faced by firms who do not engage in international trade. It is common practice to allow the receiving party to pay in instalments. The exporting firm faces credit risk, but as in most countries, Dutch firms can insure such risks. To some extent, such export credit risks can be insured on the private market. There are private insurance companies that insure short-term risks. On the Dutch market, Gerlin...

  1. 19 CFR 122.117 - Requirements for transit air cargo transport.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Requirements for transit air cargo transport. 122... Requirements for transit air cargo transport. (a) Transportation—(1) Port to port. Transit air cargo may be... cargo, a receipt shall be given. The receipt shall be made by the airline responsible for transport...

  2. 46 CFR 153.436 - Heat transfer fluids: compatibility with cargo.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Heat transfer fluids: compatibility with cargo. 153.436... Equipment Cargo Temperature Control Systems § 153.436 Heat transfer fluids: compatibility with cargo. A heat transfer fluid separated from the cargo by only one wall (for example, the heat transfer fluid in a...

  3. 46 CFR 153.371 - Minimum relief valve setting for refrigerated cargo tanks.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Minimum relief valve setting for refrigerated cargo... Design and Equipment Cargo Venting Systems § 153.371 Minimum relief valve setting for refrigerated cargo tanks. The relief valve setting for a containment system that carries a refrigerated cargo must at...

  4. 46 CFR 153.438 - Cargo pressure or temperature alarms required.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo pressure or temperature alarms required. 153.438... Equipment Cargo Temperature Control Systems § 153.438 Cargo pressure or temperature alarms required. (a... vapor pressure described in § 153.371(b); or (2) An alarm that operates when the cargo's...

  5. 46 CFR 154.707 - Cargo boil-off as fuel: Ventilation.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo boil-off as fuel: Ventilation. 154.707 Section 154.707 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CERTAIN BULK DANGEROUS CARGOES... Equipment Cargo Pressure and Temperature Control § 154.707 Cargo boil-off as fuel: Ventilation. (a)...

  6. The National Insurance Academy: Serving India's Insurance Professionals and Researchers

    Science.gov (United States)

    Sane, Bhagyashree

    2011-01-01

    This article discusses how a special library can meet the needs of a specific industry. The author focuses on India's National Insurance Academy (NIA) Library, which serves the insurance industry of India and some neighboring countries. It is where the author serves as the chief librarian.

  7. 46 CFR 98.25-55 - Cargo piping.

    Science.gov (United States)

    2010-10-01

    ... piping by means of seamless steel pipe expansion bends. Special consideration will be given for packless... Cargo piping. (a) Piping shall be of seamless steel meeting the requirements of § 56.60-1 of...

  8. Bidirectionality From Cargo Thermal Fluctuations in Motor-Mediated Transport

    CERN Document Server

    Miles, Christopher E

    2016-01-01

    Molecular motor proteins serve as an essential component of intracellular transport by generating forces to haul cargoes along cytoskeletal filaments. In some circumstances, two species of motors that are directed oppositely (e.g. kinesin, dynein) can be attached to the same cargo. The resulting net motion is known to be bidirectional, but the mechanism of switching remains unclear. In this work, we propose a mean-field mathematical model of the mechanical interactions of two populations of molecular motors with diffusion of the cargo (thermal fluctuations) as the fundamental noise source. By studying a simplified model, the delayed response of motors to rapid fluctuations in the cargo is quantified, allowing for the reduction of the full model to two "characteristic positions" of each of the motor populations. The system is then found to be "metastable", switching between two distinct directional transport states, or bidirectional motion. The time to switch between these states is then investigated using WKB...

  9. 46 CFR 98.25-80 - Cargo hose.

    Science.gov (United States)

    2010-10-01

    ... rubber or other hose material acceptable to the Commandant, shall be fitted to the liquid or vapor lines... valve. (d) Before being placed in service, each new cargo hose, with all necessary fittings...

  10. Stochastic modeling of cargo transport by teams of molecular motors

    CERN Document Server

    Klein, Sarah; Santen, Ludger

    2014-01-01

    Many different types of cellular cargos are transported bidirectionally along microtubules by teams of molecular motors. The motion of this cargo-motors system has been experimentally characterized in vivo as processive with rather persistent directionality. Different theoretical approaches have been suggested in order to explore the origin of this kind of motion. An effective theoretical approach, introduced by M\\"uller et al., describes the cargo dynamics as a tug-of-war between different kinds of motors. An alternative approach has been suggested recently by Kunwar et al., who considered the coupling between motor and cargo in more detail. Based on this framework we introduce a model considering single motor positions which we propagate in continuous time. Furthermore, we analyze the possible influence of the discrete time update schemes used in previous publications on the system's dynamic.

  11. Multi-Purpose Logistics Module (MPLM) Cargo Heat Exchanger

    Science.gov (United States)

    Zampiceni, John J.; Harper, Lon T.

    2002-01-01

    This paper describes the New Shuttle Orbiter's Multi- Purpose Logistics Modulo (MPLM) Cargo Heat Exchanger (HX) and associated MPLM cooling system. This paper presents Heat Exchanger (HX) design and performance characteristics of the system.

  12. Bidirectional cargo transport: Moving beyond tug-of-war

    Science.gov (United States)

    Hancock, William O.

    2016-01-01

    Preface Vesicles, organelles and other intracellular cargo are transported by kinesin and dynein motors, which move in opposite directions along microtubules. This bidirectional cargo movement is frequently described as a “tug-of-war” between oppositely-directed motors attached to the same cargo. However, although many experimental and modeling studies support the tug-of-war paradigm, numerous knockout and inhibition studies in a variety of systems have found that inhibiting one motor leads to diminished motility in both directions, which is a “paradox of codependence” that challenges it. In an effort to resolve this paradox, three classes of bidirectional transport models, termed microtubule tethering, mechanical activation, and steric disinhibition, are proposed and a general mathematical modeling framework for bidirectional cargo transport is put forward to guide future experiments. PMID:25118718

  13. 33 CFR 157.134 - Cargo tank drainage.

    Science.gov (United States)

    2010-07-01

    ...) POLLUTION RULES FOR THE PROTECTION OF THE MARINE ENVIRONMENT RELATING TO TANK VESSELS CARRYING OIL IN BULK Crude Oil Washing (COW) System on Tank Vessels Design, Equipment, and Installation § 157.134 Cargo...

  14. Aggregating Secondary Source Data for Air Cargo Prescreening Project

    Data.gov (United States)

    National Aeronautics and Space Administration — We propose to improve the effectiveness of air cargo prescreening by enabling background knowledge about companies and products to be used for threat assessment....

  15. 77 FR 11191 - Insurance Cost Information Regulation

    Science.gov (United States)

    2012-02-24

    ..., 58 FR 12545, NHTSA amended 49 CFR part 582, Insurance Cost Information Regulation, to require all... National Highway Traffic Safety Administration Insurance Cost Information Regulation AGENCY: National... insurance cost information booklet that all car dealers must make available to prospective...

  16. 78 FR 71726 - Comment Request; Insurance Survey

    Science.gov (United States)

    2013-11-29

    ... AFFAIRS Comment Request; Insurance Survey AGENCY: Veterans Benefits Administration, Department of Veterans... this notice. This notice solicits comments on information needed to determine how well the Insurance... use of other forms of information technology. Title: Insurance Survey. OMB Control Number:...

  17. ROLE OF INTERNET IN INSURANCE SERVICES REALIZATION

    OpenAIRE

    N. Prikazyuk; Motashko, T.

    2014-01-01

    The role of the Internet in the implementation of insurance products is investigated. It is founded the Internet in insurance performs presentable and realizable function. The benefits of using Internet technologies for business of insurance market are determined.

  18. The Cargo Tray Industry in India – A Market Research

    OpenAIRE

    Eriksson, Martin; Ohlsson, Tobias

    2010-01-01

    Title: The Cargo Tray Industry in India – A Market Research Authors: Martin Eriksson and Tobias Ohlsson Supervisor: Cecilia Lindh University: University of MälardalenDepartment: School of Sustainable Development of Society and TechnologyCourse: Bachelor thesis in Business Administration, 15 credits Research question: Is the Indian cargo tray industry a promising place for Autoform to make futureinvestments? Target group: The primary target is Autoform. The secondary target group is other cara...

  19. The insurance perspective

    Energy Technology Data Exchange (ETDEWEB)

    Young, J.A.

    1994-12-31

    There is a need for every environmental remediation contractor as well as any contractor with potential environmentally damaging operations to carry pollution liability insurance protection. No matter how experienced and safety conscious a contractor may be, equipment failures, human error or simply the inability to be 100% certain about all site conditions may result in an unexpected loss. The financial impact of a loss such as this may have very serious immediate effects on the contractors income and ability to stay in business. A million dollar loss would effectively put a small to medium sized contractor out of business while a larger concern would certainly feel the effects in terms of cash flow, the ability to retain key personnel and in the attraction new clients. Additionally, the contractor, small or large, is thrust into a situation involving environmental litigation and claims handling, two areas in which he most likely has no experience or expertise. This presentation will address the role that pollution liability insurance plays in assuring the proper completion of a remediation project without these negative effects, especially when the project goes awry.

  20. Three-dimensional container and cargo inspection system

    Science.gov (United States)

    Tumer, Tumay O.; Su, Chih-Wu; Baritelle, J.; Rhoton, B.

    1997-02-01

    A fusion of two independent but complementary three- dimensional imaging techniques is proposed for detecting drugs in containers, cargo, mail and luggage. The containers, cargo, mail and/or luggage are scanned using a combined neutron and gamma ray source. A detector that can detect both neutrons and gamma rays is used to produce three dimensional images from both signals. The two images will be combined and analyzed by a fast host computer to detect drugs that may be concealed in the container, cargo and/or luggage. The two independent signatures from both neutrons and gamma rays, when analyzed simultaneously, may help determine the type of concealed material inside the containers. Containers, cargo and luggage are filled with a large variety of materials. Imaging them only in two dimensions may result in a poor contraband detection probability as different materials may shield each other. Therefore, a true three-dimensional imaging system is proposed, where the individual items inside the container or cargo can be resolved. This is expected to lead to reliable identification of the drugs even in small quantities. Such a system will also pinpoint the location of the suspected item and help expedite inspection by law enforcement agents. The proposed detection system produces two complementary three- dimensional images of the containers, cargo and/or luggage. These images are combined and analyzed by a specially developed algorithm to identify and locate the contraband automatically.

  1. Health Care Incentives under Disability Insurance

    OpenAIRE

    Frederic P. Slade

    1981-01-01

    This paper examines one of the possible factors which has contributed to the significant recent growth in the Social Security Administration's Disability Insurance program: that of health care incentives under the program. The examination of health care incentives involves a 2-period, 2-state insurance model under uncertainty which incorporates two general types of insurance. One form of insurance is disability insurance, and the other is the individual; "own" insurance or own risk bearing --...

  2. "National Adversity: Managing Insurance and Protection"

    OpenAIRE

    Toshihiro Ihori; Martin McGuireb

    2008-01-01

    This paper concerns self-insurance and self-protection that countries may implement at a national level in pursuit of their security. The distinctions self-insurance, self-protection, and market insurance were first made by Ehrlich and Becker (1972). Nevertheless, extension of their models to international security where market insurance for entire countries is usually unavailable is surprisingly sparse. We show that, in the absence of market insurance, self-insurance alone raises important n...

  3. CONSIDERATIONS REGARDING EU LIFE INSURANCE MARKET

    OpenAIRE

    Ana Preda

    2012-01-01

    The main feature characterizing the development of the insurance system is globalization of world insurance market through a process of gradual liquidation of economic and legislative barriers between states. European insurance market analysis will be made through gross written premiums, insurance density and penetration, comparing European insurance market with the major regions markets of the world. The effects of financial crisis on the life insurance market of EU countries, and the place ...

  4. Business Cycle Dependent Unemployment Insurance

    DEFF Research Database (Denmark)

    Andersen, Torben M.; Svarer, Michael

    The consequences of business cycle contingencies in unemployment insurance systems are considered in a search-matching model allowing for shifts between "good" and "bad" states of nature. We show that not only is there an insurance argument for such contingencies, but there may also be an incentive...

  5. Income insurance in European agriculture

    NARCIS (Netherlands)

    Meuwissen, M.P.M.; Huirne, R.B.M.; Skees, J.R.

    2003-01-01

    The agricultural risk environment in Europe is changing, for example because of WTO agreements and governments increasingly withdrawing from disaster assistance in case of catastrophic events. In this context, some form of income insurance may be a useful risk management tool for farmers. Insuring f

  6. The Dutch health insurance reform.

    NARCIS (Netherlands)

    Groenewegen, P.; Zee, J. van der

    2006-01-01

    On 1 January 2006 a number of far-reaching changes in Dutch health insurance came into effect. A standard package was introduced, compulsory for everyone. Price competition between insurers and health care providers, as well as freedom of choice for consumers were introduced or extended. The aim of

  7. Failure of cargo aileron’s actuator

    Directory of Open Access Journals (Sweden)

    G. Zucca

    2014-10-01

    Full Text Available During a ferry flight, in a standard operation condition and at cruising level, a military cargo experienced a double hydraulic system failure due to a structural damage of the dual booster actuator. The booster actuator is the main component in mechanism of aileron’s deflection. The crew was able to arrange an emergency landing thanks to the spare oil onboard: load specialists refilled the hydraulic reservoirs. Due to safety concerns and in order to prevent the possibility of other similar incidents, a technical investigation took place. The study aimed to carry out the analysis of root causes of the actuator failure. The Booster actuator is composed mainly by the piston rod and its aluminum external case (AA7049. The assembly has two bronze caps on both ends. These are fixed in position by means of two retainers. At one end of the actuator case is placed a trunnion: a cylindrical protrusion used as a pivoting point on the aircraft. The fracture was located at one end of the case, on the trunnion side, in correspondence to the cap and over the retainer. One of the two fracture surfaces was found separated to the case and with the cap entangled inside. The fracture surfaces of the external case indicated fatigue crack growth followed by ductile separation. The failure analysis was performed by means of optical, metallographic, digital and electronic microscopy. The collected evidences showed a multiple initiation fracture mechanism. Moreover, 3D scanner reconstruction and numerical simulation demonstrated that dimensional non conformances and thermal loads caused an abnormal stress concentration. Stress concentration was located along the case assy outer surface where the fatigue crack originated. The progressive rupture mechanism grew under cyclical axial load due to the normal operations. Recommendations were issued in order to improve dimensional controls and assembly procedures during production and overhaul activities.

  8. INTRODUCTION OF INSURANCE REPOSITORY AS AN ALTERNATIVE OF INTERNET INSURANCE IN CLASSICAL MEANING: LEGISLATION ASPECTS

    Directory of Open Access Journals (Sweden)

    M. Malik

    2016-04-01

    Full Text Available This paper examines the legislation and regulation of insurance repositories. The basic conditions and requirements of creating and functioning of the new insurance market institute were studied. The basic requirements for managing personal of insurance repository were noticed. The study reveals the interaction mechanism of insurers and insured at the book-entry insurance policies turnover market via creation of the new institute, which is set to issue and control electronic insurance coverage.

  9. Segmentation on Investment in Personal Insurance and Determination of Insurance Needs through Human Life Value Modeling

    OpenAIRE

    Subhasis Ray

    2007-01-01

    With privatization of insurance in India in 2000, the industry is witnessing the birth of numerous private players, mostly joint ventures between foreign insurance giants and Indian diversified conglomerates. There is an immense growth potential of Indian Insurance Industry when it is seen that only 35% of the insurable population is insured. However, this percentage is not going to go up unless people understand the necessity of life insurance and how much should they insure. The first part ...

  10. Comparison of travel insurance offered by selected insurance companies in the Czech Republic

    OpenAIRE

    Seimlová, Nikola

    2013-01-01

    The bachelor thesis is a comparison of offers of travel insurance offered by insurance companies on the Czech market. In the analysis were selected two insurance companies, and insurance company Allianz and Generali. The first chapter focuses on general characteristics of basic terms in the insurance industry and the characteristics of individual services of travel insurance. In the second part of the thesis is an analysis of services of travel insurance and a performance of selected insuranc...

  11. Spectroscopic neutron radiography for a cargo scanning system

    Science.gov (United States)

    Rahon, Jill; Danagoulian, Areg; MacDonald, Thomas D.; Hartwig, Zachary S.; Lanza, Richard C.

    2016-06-01

    Detection of cross-border smuggling of illicit materials and contraband is a challenge that requires rapid, low-dose, and efficient radiographic technology. The work we describe here is derived from a technique which uses monoenergetic gamma rays from low energy nuclear reactions, such as 11B(d,nγ)12C, to perform radiographic analysis of shipping containers. Transmission ratios of multiple monoenergetic gamma lines resulting from several gamma producing nuclear reactions can be employed to detect materials of high atomic number (Z), the details of which will be described in a separate paper. Inherent in this particular nuclear reaction is the production of fast neutrons which could enable neutron radiography and further characterization of the effective-Z of the cargo, especially within the range of lower Z. Previous research efforts focused on the use of total neutron counts in combination with X-ray radiography to characterize the hydrogenous content of the cargo. We present a technique of performing transmitted neutron spectral analysis to reconstruct the effective Z and potentially the density of the cargo. This is made possible by the large differences in the energy dependence of neutron scattering cross-sections between hydrogenous materials and those of higher Z. These dependencies result in harder transmission spectra for hydrogenous cargoes than those of non-hydrogenous cargoes. Such observed differences can then be used to classify the cargo based on its hydrogenous content. The studies presented in this paper demonstrate that such techniques are feasible and can provide a contribution to cargo security, especially when used in concert with gamma radiography.

  12. 46 CFR 151.05-2 - Compliance with requirements for tank barges carrying benzene and benzene containing cargoes, or...

    Science.gov (United States)

    2010-10-01

    ... benzene and benzene containing cargoes, or butyl acrylate cargoes. 151.05-2 Section 151.05-2 Shipping... Compliance with requirements for tank barges carrying benzene and benzene containing cargoes, or butyl acrylate cargoes. A tank barge certificated to carry benzene and benzene containing cargoes or...

  13. Environmental pollution risk and insurance

    OpenAIRE

    Fragnelli, Vito; Marina, Maria Erminia

    2002-01-01

    We consider environmental risks that are evaluated too much heavy for a single insurance company, but they can be insured by n companies which a premium is assigned to.This is precisely the Italian scenario where a pool of companies co-insures these risks.Under a game theoretic approach we start by analyzing how they should split the risk and the premium in order to be better off. Under suitable hypotheses, there exists an optimal decomposition of the risk, that allow us to define a cooperati...

  14. Unemployment Insurance and Disability Insurance in the Great Recession

    OpenAIRE

    Mueller, Andreas I.; Jesse Rothstein; Till M. von Wachter

    2013-01-01

    Disability insurance (DI) applications and awards are countercyclical. One potential explanation is that unemployed individuals who exhaust their Unemployment Insurance (UI) benefits use DI as a form of extended benefits. We exploit the haphazard pattern of UI benefit extensions in the Great Recession to identify the effect of UI exhaustion on DI application, using both aggregate data at the state-month and state-week levels and microdata on unemployed individuals in the Current Population Su...

  15. Simulation Of A Photofission-Based Cargo Interrogation System

    Science.gov (United States)

    King, Michael; Gozani, Tsahi; Stevenson, John; Shaw, Timothy

    2011-06-01

    A comprehensive model has been developed to characterize and optimize the detection of Bremsstrahlung x-ray induced fission signatures from nuclear materials hidden in cargo containers. An effective active interrogation system should not only induce a large number of fission events but also efficiently detect their signatures. The proposed scanning system utilizes a 9-MV commercially available linear accelerator and the detection of strong fission signals i.e. delayed gamma rays and prompt neutrons. Because the scanning system is complex and the cargo containers are large and often highly attenuating, the simulation method segments the model into several physical steps, representing each change of radiation particle. Each approximation is carried-out separately, resulting in a major reduction in computational time and a significant improvement in tally statistics. The model investigates the effect on the fission rate and detection rate by various cargo types, densities and distributions. Hydrogenous and metallic cargos, homogeneous and heterogeneous, as well as various locations of the nuclear material inside the cargo container were studied. We will show that for the photofission-based interrogation system simulation, the final results are not only in good agreement with a full, single-step simulation but also with experimental results, further validating the full-system simulation.

  16. Simulation Of A Photofission-Based Cargo Interrogation System

    International Nuclear Information System (INIS)

    A comprehensive model has been developed to characterize and optimize the detection of Bremsstrahlung x-ray induced fission signatures from nuclear materials hidden in cargo containers. An effective active interrogation system should not only induce a large number of fission events but also efficiently detect their signatures. The proposed scanning system utilizes a 9-MV commercially available linear accelerator and the detection of strong fission signals i.e. delayed gamma rays and prompt neutrons. Because the scanning system is complex and the cargo containers are large and often highly attenuating, the simulation method segments the model into several physical steps, representing each change of radiation particle. Each approximation is carried-out separately, resulting in a major reduction in computational time and a significant improvement in tally statistics. The model investigates the effect on the fission rate and detection rate by various cargo types, densities and distributions. Hydrogenous and metallic cargos, homogeneous and heterogeneous, as well as various locations of the nuclear material inside the cargo container were studied. We will show that for the photofission-based interrogation system simulation, the final results are not only in good agreement with a full, single-step simulation but also with experimental results, further validating the full-system simulation.

  17. Stokes Efficiency of Molecular Motor-Cargo Systems

    Directory of Open Access Journals (Sweden)

    Hong Zhou

    2008-05-01

    Full Text Available A molecular motor utilizes chemical free energy to generate a unidirectional motion through the viscous fluid. In many experimental settings and biological settings, a molecular motor is elastically linked to a cargo. The stochastic motion of a molecular motor-cargo system is governed by a set of Langevin equations, each corresponding to an individual chemical occupancy state. The change of chemical occupancy state is modeled by a continuous time discrete space Markov process. The probability density of a motor-cargo system is governed by a two-dimensional Fokker-Planck equation. The operation of a molecular motor is dominated by high viscous friction and large thermal fluctuations from surrounding fluid. The instantaneous velocity of a molecular motor is highly stochastic: the past velocity is quickly damped by the viscous friction and the new velocity is quickly excited by bombardments of surrounding fluid molecules. Thus, the theory for macroscopic motors should not be applied directly to molecular motors without close examination. In particular, a molecular motor behaves differently working against a viscous drag than working against a conservative force. The Stokes efficiency was introduced to measure how efficiently a motor uses chemical free energy to drive against viscous drag. For a motor without cargo, it was proved that the Stokes efficiency is bounded by 100% [H. Wang and G. Oster, (2002]. Here, we present a proof for the general motor-cargo system.

  18. Optimisation of key performance measures in air cargo demand management

    Directory of Open Access Journals (Sweden)

    Alexander May

    2014-03-01

    Full Text Available This article sought to facilitate the optimisation of key performance measures utilised for demand management in air cargo operations. The focus was on the Revenue Management team at Virgin Atlantic Cargo and a fuzzy group decision-making method was used. Utilising intelligent fuzzy multi-criteria methods, the authors generated a ranking order of ten key outcome-based performance indicators for Virgin Atlantic air cargo Revenue Management. The result of this industry-driven study showed that for Air Cargo Revenue Management, ‘Network Optimisation’ represents a critical outcome-based performance indicator. This collaborative study contributes to existing logistics management literature, especially in the area of Revenue Management, and it seeks to enhance Revenue Management practice. It also provides a platform for Air Cargo operators seeking to improve reliability values for their key performance indicators as a means of enhancing operational monitoring power.

  19. Insurance and Prevention: Why and How?

    Science.gov (United States)

    Ungarelli, Donald L.

    1984-01-01

    Stressing importance of insurance coverage for the buildings and contents of libraries, this article covers insurance history, the modern insurance industry, examples of loss experiences, prevention and preparedness, risk management, appraisals and valuations of property, insurance options, and lack of recognition of protective and preventive…

  20. 24 CFR 241.805 - Insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 241.805 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES... Without a HUD-Insured or HUD-Held Mortgage Premiums § 241.805 Insurance premiums. (a) First premium....

  1. 7 CFR 1788.3 - Flood insurance.

    Science.gov (United States)

    2010-01-01

    ... Flood Insurance Program (see 44 CFR part 59 et seq.) provides for a standard flood insurance policy... 7 Agriculture 12 2010-01-01 2010-01-01 false Flood insurance. 1788.3 Section 1788.3 Agriculture... (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS...

  2. 12 CFR 741.216 - Flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Flood insurance. 741.216 Section 741.216 Banks... INSURANCE Regulations Codified Elsewhere in NCUA's Regulations as Applying to Federal Credit Unions That Also Apply to Federally Insured State-Chartered Credit Unions § 741.216 Flood insurance. Any...

  3. 38 CFR 36.4329 - Hazard insurance.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Hazard insurance. 36.4329... GUARANTY Guaranty or Insurance of Loans to Veterans With Electronic Reporting § 36.4329 Hazard insurance. The holder shall require insurance policies to be procured and maintained in an amount sufficient...

  4. 24 CFR 220.804 - Insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 220.804 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE AND INSURED IMPROVEMENT LOANS FOR URBAN RENEWAL AND CONCENTRATED DEVELOPMENT AREAS Contract...

  5. 7 CFR 4279.143 - Insurance.

    Science.gov (United States)

    2010-01-01

    ... insurance is required in accordance with 7 CFR, part 1806, subpart B (FmHA Instruction 426.2, available in... 7 Agriculture 15 2010-01-01 2010-01-01 false Insurance. 4279.143 Section 4279.143 Agriculture... Insurance. (a) Hazard. Hazard insurance with a standard mortgage clause naming the lender as...

  6. 34 CFR 682.505 - Insurance premium.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 3 2010-07-01 2010-07-01 false Insurance premium. 682.505 Section 682.505 Education... § 682.505 Insurance premium. (a) General. The Secretary charges the lender an insurance premium for each Federal GSL Program loan that is guaranteed, except that no insurance premium is charged on a...

  7. 12 CFR 741.212 - Share insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Share insurance. 741.212 Section 741.212 Banks... INSURANCE Regulations Codified Elsewhere in NCUA's Regulations as Applying to Federal Credit Unions That Also Apply to Federally Insured State-Chartered Credit Unions § 741.212 Share insurance. (a)...

  8. 24 CFR 201.31 - Insurance charge.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance charge. 201.31 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Insurance of Loans § 201.31 Insurance charge....

  9. 24 CFR 206.15 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance. 206.15 Section 206.15... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Eligibility; Endorsement § 206.15 Insurance. Mortgages originated under...

  10. 78 FR 14034 - Health Insurance Providers Fee

    Science.gov (United States)

    2013-03-04

    ... applicable to student health insurance, see Student Health Insurance Coverage, 77 FR 16453, 16455-56 (March... definition of covered entity is also Sec. 2520.101-2(c)(2)(ii)(B) (RIN 1210-AB51). See 76 FR 76222. If and... health insurance coverage under the Public Health Service Act and ACA). 3. Travel Insurance The...

  11. 46 CFR 326.3 - Insured.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Insured. 326.3 Section 326.3 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION A-NATIONAL SHIPPING AUTHORITY MARINE PROTECTION AND INDEMNITY INSURANCE UNDER AGREEMENTS WITH AGENTS § 326.3 Insured. The insureds are: The United States of...

  12. INSURANCE PROTECTION AS A QUASISOCIETY GOOD

    OpenAIRE

    Bazilevich, K.

    2008-01-01

    The article deals with an interrelation between voluntary insurance that takes aim at personal gains and compulsory insurance that aspires social advantage in their unity and contradictory correlation. Importance of each of the insurance kinds is shown as to the broadest insurance coverage of the population of a country.

  13. INSURANCE MARKET. GENERAL CONSIDERATIONS OF INSURANCES IN ROMANIA

    Directory of Open Access Journals (Sweden)

    MARINEL NEDELUŢ

    2013-10-01

    Full Text Available Insurance is a contract made by a company or society, or by the state, to provide a guarantee for loss, damage, illness, death etc in return for regular payments. In other words it is a means by which one pays a relatively small known cost for protection against an uncertain and much larger cost. Still, this contract (insurance policy makes it possible for the insured to cover only losses that are measurable in terms of money and caused strictly by hazardous events, independent from own doing. If no such events should happen, the benefits won’t exist in a tangible, material form, but will take the shape of security against ruin. Since the insurance industry has developed more during the last decade due to the powerful players that have entered the market, the services provided by the insurance companies, and not only their products have evolved a lot in order to meet the requirements of the consumers, and to make them familiar with this type of investments. Therefore all the means of advertising became essential in this process of implementation and familiarization with this area of activity: mass-media advertising, insurance brokerage companies, the internet are all parts of this process.

  14. Effect of cargo size and shape on the transport efficiency of the bacterial Tat translocase.

    Science.gov (United States)

    Whitaker, Neal; Bageshwar, Umesh; Musser, Siegfried M

    2013-04-01

    The Tat machinery translocates fully-folded and oligomeric substrates. The passage of large, bulky cargos across an ion-tight membrane suggests the need to match pore and cargo size, and therefore that Tat transport efficiency may depend on both cargo size and shape. A series of cargos of different sizes and shapes were generated using the natural Tat substrate pre-SufI as a base. Four (of 17) cargos transported with significant (>20% of wild-type) efficiencies. These results indicate that cargo size and shape significantly influence Tat transportability. PMID:23422074

  15. 77 FR 3400 - Common Crop Insurance Regulations; Peach Crop Insurance Provisions

    Science.gov (United States)

    2012-01-24

    .... See the Notice related to 7 CFR part 3015, subpart V, published at 48 FR 29115, June 24, 1983... Insurance Regulations; Peach Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation, USDA... Common Crop Insurance Regulations, Peach Crop Insurance Provisions. The intended effect of this action...

  16. 77 FR 27658 - Common Crop Insurance Regulations; Processing Sweet Corn Crop Insurance Provisions

    Science.gov (United States)

    2012-05-11

    .... See the Notice related to 7 CFR part 3015, subpart V, published at 48 FR 29115, June 24, 1983... Insurance Regulations; Processing Sweet Corn Crop Insurance Provisions AGENCY: Federal Crop Insurance... amend the Common Crop Insurance Regulations, Processing Sweet Corn Crop Insurance Provisions....

  17. 75 FR 59057 - Common Crop Insurance Regulations, Cotton Crop Insurance Provisions and Macadamia Nut Crop...

    Science.gov (United States)

    2010-09-27

    ... March 30, 2010 (75 FR 15778-15891). Need for Correction As published, the final regulation contained... Insurance Corporation 7 CFR Part 457 RIN 0563-AB96 Common Crop Insurance Regulations, Cotton Crop Insurance Provisions and Macadamia Nut Crop Insurance Provisions; Correction AGENCY: Federal Crop Insurance...

  18. 41 CFR 60-741.25 - Health insurance, life insurance and other benefit plans.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life insurance and other benefit plans. 60-741.25 Section 60-741.25 Public Contracts and Property Management... Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical...

  19. Role of nuclear insurance in US

    International Nuclear Information System (INIS)

    Private insurance companies developed means to provide first-tier nuclear coverage to operators of power plants and other nuclear facilities; US Government initially provided second tier. US insurance companies chose 'pooling' technique as means to provide large amounts of insurance capacity by spreading the risk over a number of insurance companies. Classic example of nuclear risk that presents low frequency, high severity loss potential. Insurers usually spread their risk over a large, fairly stable premium base, as with automobile insurance. The American Nuclear Insurers (ANI) and its roles are introduced in this article

  20. Nuclear insurance problems in Spain

    International Nuclear Information System (INIS)

    The purpose of this paper is to study the problems raised in Spain by third party liability insurance for nuclear damage. National law in this field is based on the Paris Convention on nuclear third party liability and defines the conditions of liability of operators of nuclear installations. The insurance contract requirements must comply with the regulations on cover for nuclear risks, under the control of the Finance Ministry's competent services. Certain exceptional nuclear risks which cannot be covered entirely by ordinary insurance policies, are taken over by the Consorcio de Compensacion de Seguros which belongs to this Ministry. From the insurance viewpoint, the regulations make a distinction between nuclear and radioactive installations and nuclear transport. (NEA)

  1. Environmental insurance: research information support

    OpenAIRE

    Rykova Valentina V.

    2015-01-01

    he article describes information resources to support research on the issue of environmental insurance. It represents a brief analysis of a documentary flow, traces its dynamics and typical-thematic structures, shows the most productive journals 

  2. FEMA Flood Insurance Studies Inventory

    Data.gov (United States)

    Kansas Data Access and Support Center — This digital data set provides an inventory of Federal Emergency Management Agency (FEMA) Flood Insurance Studies (FIS) that have been conducted for communities and...

  3. PRESENT FRAMEWORK OF AGRICULTURAL INSURANCE

    OpenAIRE

    Narcis Eduard Mitu

    2007-01-01

    The international agricultural insurance market has an important dimension. The experience of economically developed countries revealed the fact that without a stable development of agricultural insurances, there is no chance for high performance agriculture. This will require the establishment of a framework for responding to severe systemic events affecting agricultural production, and establishing an appropriate regulatory environment to foster private sector innovation and investment in s...

  4. Unemployment insurance and the uninsured

    OpenAIRE

    Tali Regev

    2006-01-01

    Under federal-state law workers who quit a job are not entitled to receive unemployment insurance benefits. To show how the existence of the uninsured affects wages and employment, I extend an equilibrium search model to account for two types of unemployed workers: those who are currently receiving unemployment benefits and for whom an increase in unemployment benefits reduces the incentive to work, and those who are currently not insured. For these, work provides an added value in the form o...

  5. Business cycle dependent unemployment insurance

    OpenAIRE

    Andersen, Torben M.; Svarer, Michael

    2010-01-01

    The consequences of business cycle contingencies in unemployment insurance systems are considered in a search-matching model allowing for shifts between "good" and "bad" states of nature. We show that not only is there an insurance argument for such contingencies, but there may also be an incentive argument. Since benefits may be less distortionary in a recession than a boom, it follows that counter-cyclical benefits reduce average distortions compared to state independent benefits. We show t...

  6. Personal Values of Insurance Executives

    OpenAIRE

    Joe H. Murrey Jr.; Sami M. Abbasi; Kenneth W. Hollman

    1986-01-01

    Personal values are a basic component of our personality. When such values are held uncritically by those in powerful positions, but are not explicit and not articulated, they may contain the seeds of severe organizational and social disruption. In insurance, one need look no further than the Equity Funding fraud to find what can happen when values of insurance executives are misguided and they undertake irresponsible and unethical actions that undermine the public's confidence and trust in t...

  7. SERBIAN INSURANCE MARKET – SELECT ISSUES

    OpenAIRE

    Obadović Mirjana M.; Avdaliović Veselin; Obadović Milica D.

    2010-01-01

    Every day insurance companies face a number of risks arising from the insurance industry itself, as well as risks arising from insurance company operations. In this constant fight against risks insurance companies use different models and methods that help them better understand, have a more comprehensive view of, and develop greater tolerance towards risks, in order to reduce their exposure to these risks. The model presented in this paper has been developed for implementation in insur...

  8. Wealth Effects on Demand for Insurance

    OpenAIRE

    Aase, Knut K.

    2007-01-01

    A standard result states that under decreasing absolute risk aversion the indifference premium of the insured is a decreasing function of wealth. This has been interpreted to mean that insurance is an inferior good, which has been considered as a puzzle in insurance theory, in particular since the result does not seem to explain observed behavior in insurance markets. We reformulate the standard model of risk sharing to incorporate the amount invested in the insurable asset. From this we ...

  9. Business Ethics in Insurance Industry in Nigeria

    OpenAIRE

    Isimoya O.

    2014-01-01

    This study conceptually x-rayed the insurance practice in Nigeria, particularly the non-adherence to business ethics philosophy in their operations. Though Nigeria potentially has the largest insurance market in the African continent, she trails behind South Africa, Egypt, and Morocco in insurance market premium volume in 2011. This study revealed that unethical practices holds sway in the industry, resulting in lost of confidence, poor insurance patronage and stunted growth for insurance ind...

  10. AUDITOR''S PROFESSIONAL LIABILITY INSURANCE

    OpenAIRE

    Dorosh, N.

    2008-01-01

    This article is devoted to positive experience insurance of auditing in different countries and how it to use in Ukraine. Insurance rates have risen considerably as a result of increasing litigation in many countries, professional liability insurance is still available for all CPAs. It is essential for a CPA firm in Ukraine to have adequate insurance protection in the event of lawsuit about performing quality audit. This article is described all the particulars of a insurance's agreement.

  11. Deposit insurance and international bank deposits

    OpenAIRE

    Harry Huizinga; Gaëtan Nicodème

    2003-01-01

    This paper examines how international depositors respond to national deposit insurance policies. Countries with explicit deposit insurance are found to be relatively attractive to international non-bank depositors. Deposit schemes characterized by co-insurance, a private administration, and a low deposit insurance premium appear to be particularly favored by these depositors. The sensitivity of non-bank deposits to deposit insurance policies opens up the possibility of international regulator...

  12. Detection of Shielded Nuclear Material in a Cargo Container

    International Nuclear Information System (INIS)

    The Idaho National Laboratory, along with Los Alamos National Laboratory and the Idaho State University's Idaho Accelerator Center, are developing electron accelerator-based, photonuclear inspection technologies for the detection of shielded nuclear material within air-, rail-, and especially, maritime-cargo transportation containers. This paper describes a developing prototypical cargo container inspection system utilizing the Pulsed Photonuclear Assessment (PPA) technology, incorporates interchangeable, well-defined, contraband shielding structures (i.e., ''calibration'' pallets) providing realistic detection data for induced radiation signatures from smuggled nuclear material, and provides various shielded nuclear material detection results. Using a 4.8-kg quantity of depleted uranium, neutron and gamma-ray detection responses are presented for well-defined shielded and unshielded configurations evaluated in a selected cargo container inspection configuration

  13. Detection of shielded nuclear material in a cargo container

    Science.gov (United States)

    Jones, James L.; Norman, Daren R.; Haskell, Kevin J.; Sterbentz, James W.; Yoon, Woo Y.; Watson, Scott M.; Johnson, James T.; Zabriskie, John M.; Bennett, Brion D.; Watson, Richard W.; Moss, Cavin E.; Frank Harmon, J.

    2006-06-01

    The Idaho National Laboratory, along with Los Alamos National Laboratory and the Idaho State University's Idaho Accelerator Center, are developing electron accelerator-based, photonuclear inspection technologies for the detection of shielded nuclear material within air-, rail-, and especially, maritime-cargo transportation containers. This paper describes a developing prototypical cargo container inspection system utilizing the Pulsed Photonuclear Assessment (PPA) technology, incorporates interchangeable, well-defined, contraband shielding structures (i.e., "calibration" pallets) providing realistic detection data for induced radiation signatures from smuggled nuclear material, and provides various shielded nuclear material detection results. Using a 4.8-kg quantity of depleted uranium, neutron and gamma-ray detection responses are presented for well-defined shielded and unshielded configurations evaluated in a selected cargo container inspection configuration.

  14. Detection of shielded nuclear material in a cargo container

    International Nuclear Information System (INIS)

    The Idaho National Laboratory, along with Los Alamos National Laboratory and the Idaho State University's Idaho Accelerator Center, are developing electron accelerator-based, photonuclear inspection technologies for the detection of shielded nuclear material within air-, rail-, and especially, maritime-cargo transportation containers. This paper describes a developing prototypical cargo container inspection system utilizing the Pulsed Photonuclear Assessment (PPA) technology, incorporates interchangeable, well-defined, contraband shielding structures (i.e., 'calibration' pallets) providing realistic detection data for induced radiation signatures from smuggled nuclear material, and provides various shielded nuclear material detection results. Using a 4.8-kg quantity of depleted uranium, neutron and gamma-ray detection responses are presented for well-defined shielded and unshielded configurations evaluated in a selected cargo container inspection configuration

  15. Multipurpose Cargo Transfer Bags fro Reducing Exploration Mission Logistics

    Science.gov (United States)

    Baccus, Shelley; Broyan, James Lee, Jr.; Borrego, Melissa

    2016-01-01

    The Logistics Reduction (LR) project within the Advanced Exploration Systems (AES) division is tasked with reducing logistical mass and repurposing logistical items. Multipurpose Cargo Transfer Bags (MCTB) have been designed such that they can serve the same purpose as a Cargo Transfer Bag (CTB), the common logistics carrying bag for the International Space Station (ISS). After use as a cargo carrier, a regular CTB becomes trash, whereas the MCTB can be unfolded into a flat panel for reuse. Concepts and potential benefits for various MCTB applications will be discussed including partitions, crew quarters, solar radiation storm shelters, acoustic blankets, and forward osmosis water processing. Acoustic MCTBs are currently in use on ISS to reduce the noise generated by the T2 treadmill, which reaches the hazard limit at high speeds. The development of the AMCTB included identification of keep out zones, acoustic properties, deployment considerations, and structural testing. Features developed for these considerations are applicable to MCTBs for all crew outfitting applications.

  16. Reducing Mission Logistics with Multipurpose Cargo Transfer Bags

    Science.gov (United States)

    Baccus, Shelley; Broyan, James Lee, Jr.; Borrego, Melissa

    2016-01-01

    The Logistics Reduction (LR) project within Advanced Exploration Systems (AES) is tasked with reducing logistical mass and repurposing logistical items. Multipurpose Cargo Transfer Bags (MCTB) have been designed such that they can serve the same purpose as a Cargo Transfer Bag (CTB), the common logistics carrying bag for the International Space Station (ISS). After use as a cargo carrier, a regular CTB becomes trash, whereas the MCTB can be unfolded into a flat panel for reuse. Concepts and potential benefits for various MCTB applications will be discussed including partitions, crew quarters, solar radiation storm shelters, acoustic blankets, and forward osmosis water processing. Acoustic MCTBs are currently in use on ISS to reduce the noise generated by the T2 treadmill, which reaches the hazard limit at high speeds. The development of the AMCTB included identification of keep-out zones, acoustic properties, deployment considerations, and structural testing. Features developed for these considerations are applicable to MCTBs for all crew outfitting applications.

  17. Optimizing an undulating magnetic microswimmer for cargo towing

    Science.gov (United States)

    Gutman, Emiliya; Or, Yizhar

    2016-06-01

    One of the promising capabilities of magnetic microswimmers is towing a cargo, which can be used for targeted drug delivery or performing tissue biopsy. A key question is what should be the optimal size ratio between the cargo and the swimmer's flexible tail. This question is addressed here for the simplest theoretical model of a magnetic microswimmer undergoing planar undulations—a spherical load connected by a torsion spring to a rigid slender link. The swimmer's dynamic is formulated and leading-order expressions for its motion are obtained explicitly under small-amplitude approximation. Optimal combinations of magnetic actuation frequency, torsion stiffness, and tail length for maximizing displacement, average speed, or energetic efficiency are obtained. The theoretical results are compared with reported experiments in several types of cargo-towing magnetic microswimmers.

  18. Environmental pollution and liability insurance

    International Nuclear Information System (INIS)

    By the declared will of the legislative bodies to give effect to the polluter pays principle on all levels those have to pay the costs of removing impairments of environmental media that are responsible for its occurence. Thus environmental pollution becomes a considerable financial risk for the polluter. Against this risk they try to protect themselves by the corresponding precautionary measures, e.g. by insurance. The insurance industry is consequently requested to meet this new demand. The legal bases are followed by the description of the insurance relationship under the aspect of the theory of risks, which follows, based on the basic model of decision theory, the objective of a quantitative representation of the situation of the decision. In the last chapter the author deals with the financial security for the risks of a third party liability insurance of environmental pollution as it is offered today in the Federal Republic of Germany. The elaboration of the existing financial security is then compared with the legal conditions of liability. In doing this the author describes cases not covered by financial security and its definition by comparison with findings of risk theory. As a result it becomes obvious that numerous exclusions of risks could quite good be included in the financial security and that the argument of the impossibility to insure often put forward by the insurers to justify the exclusion of risks can neither theoretically nor practically be uphold. (orig./HSCH)

  19. Buying greenhouse insurance

    International Nuclear Information System (INIS)

    A growing concern that the increasing accumulation of greenhouse gases will lead to undesirable changes in global climate has resulted in proposals, both in the United States and internationally, to set physical targets for reducing greenhouse gas emissions. But what will these proposals cost? This book outlines a way to think about greenhouse-effect decisions under uncertainty. It describes an insightful model for determining the economic costs of limiting CO2 emissions produced by burning fossil fuels and provides a solid analytical base for rethinking public policy on the far-reaching issue of global warming. It presents region-by-region estimates of the costs that would underlie an international agreement. Using a computer model known as Global 2100, they analyze the economic impacts of limiting CO2 emissions under alternative supply and conservation scenarios. The results clearly indicate that a reduction in emissions is not the sole policy response to potential climate change. Following a summary of the greenhouse effect, its likely causes, and possible consequences, this book takes up issues that concern the public at large. They provide an overview of Global 2100, look at how the U.S. energy sector is likely to evolve under business-as-usual conditions and under carbon constraints, and describe the concept of greenhouse insurance. They consider possible global agreements, including an estimate of benefits that might result from trading in an international market in emission rights. They conclude with a technical description directed toward modeling specialists

  20. Experimental ship fire measurements with simulated radioactive cargo

    International Nuclear Information System (INIS)

    Results from a series of eight test fires ranging in size from 2.2 to 18.8 MW conducted aboard the Coast Guard fire test ship Mayo Lykes at Mobile, Alabama are presented and discussed. Tests aboard the break bulk type cargo ship consisted of heptane spray fires simulating engine room and galley fires, wood crib fires simulating cargo hold fires, and pool fires staged for comparison to land based regulatory fire results. Primary instrumentation for the tests consisted of two pipe calorimeters that simulated a typical package shape for radioactive materials packages

  1. SHIP AND CARGO MORTGAGE, TWO DIFFERENT LEGAL VIEWPOINTS

    Directory of Open Access Journals (Sweden)

    Mohammad Abouata

    2015-05-01

    Full Text Available Although the subject-matter of cargo and ship mortgage are similar (providing financial security for creditors,the regulations of these contracts, differ from each other essentially with regard to the conditionality of taking possession in concluding the contract, the possibility of endorsement and cession in mortgage document, the creditor s kind of real right ,the preference of prior or latter creditor in vindication of right and the effect of mortgage loss on the contract and the possibility of recovery of claim. Moreover the cargo mortgage regulations are, in some regards and aspects, contrary to general legal rules and hence subject to criticism.

  2. Column generation approaches to ship scheduling with flexible cargo sizes

    DEFF Research Database (Denmark)

    Brønmo, Geir; Nygreen, Bjørn; Lysgaard, Jens

    cargo sizes to the column generation framework is not straightforward, and we handle the flexible cargo sizes heuristically when solving the subproblems. This leads to convergence issues in the branch-and-price search tree, and the optimal solution cannot be guaranteed. Hence we have introduced a method...... that generates an upper bound on the optimal objective. We have compared our method with an a priori column generation approach, and our computational experiments on real world cases show that the Dantzig-Wolfe approach is faster than the a priori generation of columns, and we are able to deal with...

  3. INSURANCE SERVICES AS A PRODUCT OF BUSINESS ACTIVITY OF INSURANCE COMPANIES IN THE CONDITIONS OF MARKET

    OpenAIRE

    Gamankova, О.

    2008-01-01

    The article is devoted to the essence of insurance services as a product of business activity of insurance companies in the conditions of market. Specific properties of insurance services are examined which distinguish them from other goods and services.

  4. 78 FR 52780 - National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers...

    Science.gov (United States)

    2013-08-26

    ... private insurance companies (Companies) and to make available to the Companies the terms for subscription... Arrangement, together with related materials and submission instructions, to all private insurance companies... Insurance Administration, Financial Assistance/Subsidy Arrangement, the Company is responsible for...

  5. 77 FR 36566 - National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers...

    Science.gov (United States)

    2012-06-19

    ... private insurance companies (Companies) and to make available to the Companies the terms for subscription..., together with related materials and submission instructions, to all private insurance companies participating under the current FY 2012 Arrangement. Any private insurance company not currently...

  6. SPECIFICS OF ORGANIZATIONAL AND FUNCTIONAL MECHANISM TO PROVIDE IMPLEMENTATION OF MARKETING STRATEGY OF CARGO HAULERS

    OpenAIRE

    Mitchenko, Galina

    2013-01-01

    Specifics of implementation of marketing strategy of cargo haulers are identified. Indicators of their marketing strategies’ efficiency are reviewed. The structure of organizational and functional mechanism of implementation of marketing strategies’ by cargo haulers is suggested.

  7. 46 CFR 154.1210 - Hold space, void space, cofferdam, and spaces containing cargo piping.

    Science.gov (United States)

    2010-10-01

    ... Design, Construction and Equipment Cargo Area: Mechanical Ventilation System § 154.1210 Hold space, void... spaces containing cargo piping must have: (1) A fixed mechanical ventilation system; or (2) A...

  8. 49 CFR 178.348 - Specification DOT 412; cargo tank motor vehicle.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 2 2010-10-01 2010-10-01 false Specification DOT 412; cargo tank motor vehicle... SPECIFICATIONS FOR PACKAGINGS Specifications for Containers for Motor Vehicle Transportation § 178.348 Specification DOT 412; cargo tank motor vehicle....

  9. 49 CFR 178.346 - Specification DOT 406; cargo tank motor vehicle.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 2 2010-10-01 2010-10-01 false Specification DOT 406; cargo tank motor vehicle... SPECIFICATIONS FOR PACKAGINGS Specifications for Containers for Motor Vehicle Transportation § 178.346 Specification DOT 406; cargo tank motor vehicle....

  10. 49 CFR 178.347 - Specification DOT 407; cargo tank motor vehicle.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 2 2010-10-01 2010-10-01 false Specification DOT 407; cargo tank motor vehicle... SPECIFICATIONS FOR PACKAGINGS Specifications for Containers for Motor Vehicle Transportation § 178.347 Specification DOT 407; cargo tank motor vehicle....

  11. Deposit Insurance Coverage, Credibility of Non-insurance, and Banking Crises

    OpenAIRE

    Wihlborg, Clas; Angkinand, Apanard

    2007-01-01

    The ambiguity in existing empirical work with respect to effects of deposit insurance schemes on banks’ risk-taking can be resolved if it is recognized that absence of deposit insurance is rarely credible and that the credibility of non-insurance can be enhanced by explicit deposit insurance schemes. We show that under reasonable conditions for effects on risk-taking of creditor protection in banking, and for effects on credibility of non-insurance of explicit coverage of deposit insurance sc...

  12. BEHAVIORAL ASPECTS IN INSURANCE MARKET

    Directory of Open Access Journals (Sweden)

    Stroe Andreea

    2013-07-01

    In this paper there are showed and debated some situation in which psychological effects like loss aversion, reference point, status-quo and framming effects can influence the deccision of the consumer and are not consistent with the standard economic model.In addition to this aspects, Cumulative Prspect Theory enhance the fact that decision makers overestimate low peobabilities and underestimate high probabilities,thus buying inadequate insurance in many situation.in thiss sense, in order to support this idea I tried to make a qualitative presentation of the model used on the insurance market using Prelec function which is the function related with the Cumulative Prospect Theory which can be used in the insurance context.The weak points of the theory of expected utility are explained through this new perspectives and nevertheless aspects like insensivity to bad news concerning incomes,elasticity of price,displacements of status-quo and default,disposition effect and equity premium are taken into consideration.As example,I chose a Kunreuther experiment about insurance decision in with is underlyined the fact that for moderate risk people buy insurance with premiums that exceed the expected loss.There are demands for low deductibles in the the markets for extended guarantees and insurances for mobile phones where was observed that the insurance underwriting rate increases with the probability of loss keeping the expected loss constant.It is better to mention that the theory and the model that are presented here comes as complementary to the economic standard theory not as a substitute.

  13. STATISTICAL ANALYSIS OF THE EFFECTIVENESS OF THE ACCOUNTS RECEIVABLE MANAGEMENT ON THE CARGO MOTOR TRANSPORTATION ENTERPRISES

    OpenAIRE

    Kylnytsvska, Y.; Gluhova, S.

    2014-01-01

    In the article the efficiency of accounts receivable management on cargo motor transportation enterprises is analyzed using the method of statistical analysis, namely middle descriptions of variation row of account receivable of cargo motor transportation enterprises are analysed; the analysis of unevenness of distributing of the account receivable of cargo motor transportation enterprises is conducted; the degree of dirigibility of conduct of debtors of cargo motor transportation enterprises...

  14. 46 CFR 154.705 - Cargo boil-off as fuel: General.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo boil-off as fuel: General. 154.705 Section 154.705... Pressure and Temperature Control § 154.705 Cargo boil-off as fuel: General. (a) Each cargo boil-off fuel system under § 154.703(c) must meet §§ 154.706 through 154.709. (b) The piping in the cargo boil-off...

  15. Safety evaluation for packaging (Onsite) transport of LSA-II liquids in MC-312 cargo tanks

    International Nuclear Information System (INIS)

    This safety evaluation for packaging authorizes the onsite transfer of bulk LSA-II radioactive liquids in the 222-S Laboratory Cargo Tank and Liquid Effluent Treatment Facility Cargo Tanks (which are U.S. Department of Transportation MC-312 specification cargo tanks) from their operating facilities to tank farm facilities

  16. 46 CFR 154.706 - Cargo boil-off as fuel: Fuel lines.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo boil-off as fuel: Fuel lines. 154.706 Section 154... Equipment Cargo Pressure and Temperature Control § 154.706 Cargo boil-off as fuel: Fuel lines. (a) Gas fuel lines must not pass through accommodation, service, or control spaces. Each gas fuel line...

  17. 46 CFR 154.650 - Cargo tank and process pressure vessel welding.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo tank and process pressure vessel welding. 154.650... Equipment Construction § 154.650 Cargo tank and process pressure vessel welding. (a) Cargo tank and process pressure vessel welding must meet Subpart 54.05 and Part 57 of this chapter. (b) Welding consumables...

  18. 46 CFR 154.701 - Cargo pressure and temperature control: General.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo pressure and temperature control: General. 154.701 Section 154.701 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CERTAIN BULK DANGEROUS... Equipment Cargo Pressure and Temperature Control § 154.701 Cargo pressure and temperature control:...

  19. 46 CFR 153.370 - Minimum relief valve setting for ambient temperature cargo tanks.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Minimum relief valve setting for ambient temperature... temperature cargo tanks. The relief valve setting for a containment system that carries a cargo at ambient temperature must at least equal the cargo's vapor pressure at 46 °C (approx. 115 °F)....

  20. 46 CFR 91.60-5 - Cargo Ship Safety Construction Certificate.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 4 2010-10-01 2010-10-01 false Cargo Ship Safety Construction Certificate. 91.60-5..., 1974 § 91.60-5 Cargo Ship Safety Construction Certificate. (a) All vessels on an international voyage are required to have a Cargo Ship Safety Construction Certificate. This certificate shall be issued...

  1. 46 CFR 189.60-5 - Cargo Ship Safety Construction Certificate.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 7 2010-10-01 2010-10-01 false Cargo Ship Safety Construction Certificate. 189.60-5..., 1974 § 189.60-5 Cargo Ship Safety Construction Certificate. (a) All vessels on an international voyage are required to have a Cargo Ship Safety Construction Certificate. This certificate shall be issued...

  2. 7 CFR 1493.3 - Restrictions on programs and cargo preference statement.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Restrictions on programs and cargo preference... Restrictions on programs and cargo preference statement. (a) Restrictions on use of credit guarantees. (1... service the debt associated with such sales. (b) Cargo preference laws. The provisions of the...

  3. 46 CFR 154.709 - Cargo boil-off as fuel: Gas detection equipment.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo boil-off as fuel: Gas detection equipment. 154.709 Section 154.709 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CERTAIN BULK DANGEROUS... Equipment Cargo Pressure and Temperature Control § 154.709 Cargo boil-off as fuel: Gas detection...

  4. 46 CFR 154.708 - Cargo boil-off as fuel: Valves.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo boil-off as fuel: Valves. 154.708 Section 154.708 Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) CERTAIN BULK DANGEROUS CARGOES SAFETY... Pressure and Temperature Control § 154.708 Cargo boil-off as fuel: Valves. (a) Gas fuel lines to the...

  5. Transportation of Nanoscale Cargoes by Myosin Propelled Actin Filaments

    NARCIS (Netherlands)

    Persson, Malin; Gullberg, Maria; Tolf, Conny; Lindberg, A. Michael; Mansson, Alf; Kocer, Armagan

    2013-01-01

    Myosin II propelled actin filaments move ten times faster than kinesin driven microtubules and are thus attractive candidates as cargo-transporting shuttles in motor driven lab-on-a-chip devices. In addition, actomyosin-based transportation of nanoparticles is useful in various fundamental studies.

  6. 14 CFR 29.787 - Cargo and baggage compartments.

    Science.gov (United States)

    2010-01-01

    ... emergency landing conditions of § 29.561. (b) There must be means to prevent the contents of any compartment...) Under the emergency landing conditions of § 29.561, cargo and baggage compartments must— (1) Be... any of the escape facilities provided for use after an emergency landing; or (2) Have...

  7. 14 CFR 27.787 - Cargo and baggage compartments.

    Science.gov (United States)

    2010-01-01

    ... emergency landing conditions of § 27.561. (b) There must be means to prevent the contents of any compartment...) Under the emergency landing conditions of § 27.561, cargo and baggage compartments must— (1) Be... any of the escape facilities provided for use after an emergency landing; or (2) Have...

  8. Study on Alternative Cargo Launch Options from the Lunar Surface

    Energy Technology Data Exchange (ETDEWEB)

    Cheryl A. Blomberg; Zamir A. Zulkefli; Spencer W. Rich; Steven D. Howe

    2013-07-01

    In the future, there will be a need for constant cargo launches from Earth to Mars in order to build, and then sustain, a Martian base. Currently, chemical rockets are used for space launches. These are expensive and heavy due to the amount of necessary propellant. Nuclear thermal rockets (NTRs) are the next step in rocket design. Another alternative is to create a launcher on the lunar surface that uses magnetic levitation to launch cargo to Mars in order to minimize the amount of necessary propellant per mission. This paper investigates using nuclear power for six different cargo launching alternatives, as well as the orbital mechanics involved in launching cargo to a Martian base from the moon. Each alternative is compared to the other alternative launchers, as well as compared to using an NTR instead. This comparison is done on the basis of mass that must be shipped from Earth, the amount of necessary propellant, and the number of equivalent NTR launches. Of the options, a lunar coil launcher had a ship mass that is 12.7% less than the next best option and 17 NTR equivalent launches, making it the best of the presented six options.

  9. Shift designs for freight handling personnel at air cargo terminals

    DEFF Research Database (Denmark)

    Rong, Aiying; Grunow, Martin

    2009-01-01

    resources efficiently, we implement a new mechanism for demand leveling. In addition, we consider the qualification hierarchy between build-up and break-down workers. A case study based on the real-life data shows that the model is useful for manpower planning at air cargo terminals and the integrated...

  10. Combining technologies - radiography and neutron based - for cargo security applications

    International Nuclear Information System (INIS)

    Inspection of air and sea cargo has traditionally been done by X-ray systems of various energies relying on operators to analyze images looking for anomalies in the image of cargo that may signify a threat. This has shown only limited success in detecting explosives and other threats, which do not have any distinctive shapes. OSI Systems, through its subsidiaries Rapiscan and Ancore, has combined high-energy x-ray radiography with thermal neutron analysis (TNA) to create the combined system-''TNX''. The system provides automatic material specific detection of bulk threat items, like explosives, while furnishing the operator with a high-resolution image for weapons detection and also to identify anomalies for the TNA to inspect. Similarly the Pulsed Fast Neutron Analysis (PFNA) can be combined with high-energy x-ray to create a ''FNX'' system for both air and sea cargo applications. This enables the operator obtain a three dimensional image of the material composition of the cargo under inspection and remove the clutter from the image leaving only the potentially hazardous material(s) automatically while viewing a high resolution image for manifest verification and weapons. The current status of the technology will be discussed and data be presented

  11. 46 CFR 151.50-5 - Cargoes having toxic properties.

    Science.gov (United States)

    2010-10-01

    ...) Gravity type cargo tanks shall be fitted with an approved pressure-vacuum relief valve of not less than 21... or pressure vacuum relief valve shall be directed in such a manner as to not impinge on another tank... from the safety or pressure vacuum relief valve as a result of a fire or other casualty. In...

  12. 46 CFR 151.20-5 - Cargo system valving requirements.

    Science.gov (United States)

    2010-10-01

    ... will cause the quick closing shutoff valves to close in case of fire. Quick closing shutoff valves... penetrations are not applicable to nozzles at which pressure vacuum or safety relief valves are fitted. (a... conditions, every cargo piping system shall be provided with one of the following sets of control valves...

  13. 29 CFR 1918.85 - Containerized cargo operations.

    Science.gov (United States)

    2010-07-01

    ... required in paragraph (a)(3) of this section, or it exceeds the capacity of the lifting appliance. (d... rated capacity. (D) The lift angle is at 80 to 90 degrees; (E) The distance between the lifting beam and... maximum cargo weight, in pounds. (b) Container weight. No container shall be hoisted by any...

  14. 46 CFR 13.309 - Eligibility: Cargo course.

    Science.gov (United States)

    2010-10-01

    ... TANKERMEN Requirements for âTankerman-PIC (Barge)â Endorsement § 13.309 Eligibility: Cargo course. Each applicant for an original “Tankerman-PIC (Barge)” endorsement shall present a certificate of completion from a course in DL or LG appropriate for tank barges and for Tankerman-PIC or Tankerman-PIC (Barge),...

  15. Mars Hybrid Propulsion System Trajectory Analysis. Part II; Cargo Missions

    Science.gov (United States)

    Chai, Patrick R.; Merrill, Raymond G.; Qu, Min

    2015-01-01

    NASA's Human Spaceflight Architecture Team is developing a reusable hybrid transportation architecture in which both chemical and electric propulsion systems are used to send crew and cargo to Mars destinations such as Phobos, Deimos, the surface of Mars, and other orbits around Mars. By combining chemical and electrical propulsion into a single spaceship and applying each where it is more effective, the hybrid architecture enables a series of Mars trajectories that are more fuel-efficient than an all chemical architecture without significant increases in flight times. This paper shows the feasibility of the hybrid transportation architecture to pre-deploy cargo to Mars and Phobos in support of the Evolvable Mars Campaign crew missions. The analysis shows that the hybrid propulsion stage is able to deliver all of the current manifested payload to Phobos and Mars through the first three crew missions. The conjunction class trajectory also allows the hybrid propulsion stage to return to Earth in a timely fashion so it can be reused for additional cargo deployment. The 1,100 days total trip time allows the hybrid propulsion stage to deliver cargo to Mars every other Earth-Mars transit opportunity. For the first two Mars surface mission in the Evolvable Mars Campaign, the short trip time allows the hybrid propulsion stage to be reused for three round-trip journeys to Mars, which matches the hybrid propulsion stage's designed lifetime for three round-trip crew missions to the Martian sphere of influence.

  16. 46 CFR 148.01-7 - Permitted cargoes.

    Science.gov (United States)

    2010-10-01

    ... heating and ignition. Note: Definitions of hazard classes of hazardous materials are found in 49 CFR 171.8 and 49 CFR 173.500. (b) A mixture or blend of two or more cargoes, one or more of which is listed in... Flammable solid Contact with water may cause self heating. Coconut meal pellets (or copra...

  17. 19 CFR 4.62 - Accounting for inward cargo.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Accounting for inward cargo. 4.62 Section 4.62 Customs Duties U.S. CUSTOMS AND BORDER PROTECTION, DEPARTMENT OF HOMELAND SECURITY; DEPARTMENT OF THE TREASURY VESSELS IN FOREIGN AND DOMESTIC TRADES Foreign Clearances § 4.62 Accounting for inward...

  18. Column generation approaches to ship scheduling with flexible cargo sizes

    DEFF Research Database (Denmark)

    Brønmo, Geir; Nygreen, Bjørn; Lysgaard, Jens

    2010-01-01

    consequences for the times used in the ports because both the loading and unloading times depend on the cargo sizes. We found it computationally hard to find exact solutions to the subproblems, so our method does not guarantee to find the optimum over all solutions. To be able to say something about how good...

  19. Integrated cargo routing and ship scheduling in liner shipping

    DEFF Research Database (Denmark)

    Kjeldsen, Karina Hjortshøj

    The problem consists of creating routes and schedules for a heterogeneous fleet of ships while determining the cargo routing and the speed for all relevant port pair/ship combinations. Transshipment is allowed in ports with transshipment capabilities. The service frequency is fixed at one week...

  20. 33 CFR 157.132 - Cargo tanks: Hydrocarbon vapor emissions.

    Science.gov (United States)

    2010-07-01

    ... SECURITY (CONTINUED) POLLUTION RULES FOR THE PROTECTION OF THE MARINE ENVIRONMENT RELATING TO TANK VESSELS CARRYING OIL IN BULK Crude Oil Washing (COW) System on Tank Vessels Design, Equipment, and Installation § 157.132 Cargo tanks: Hydrocarbon vapor emissions. Each tank vessel having a COW system under §...

  1. Insurance agreements covering the PAKS NPP

    International Nuclear Information System (INIS)

    The Hungarian Nuclear Insurance Pool was formed in the second half of 1996 with the expressed aim of covering the risks of nuclear installations on the territory of the Hungarian Republic. The Paks Nuclear Power Plant is the first Russian-designed nuclear power plant having nuclear liability insurance cover. Since starting the co-operation with Paks, three different type of insurance cover have been set up by the Pool. These are: nuclear third party liability insurance, liability insurance for nuclear accidents arising during transportation of nuclear fuels and material damage insurance. (N.C.)

  2. Retroactive insurance may fund TMI-2 cleanup

    International Nuclear Information System (INIS)

    A Pennsylvania task force recommended that nuclear utilities insure their plants with a mandatory national property insurance program. The proposed Nuclear Powerplant Property Damage Insurance Act of 1981 will cover the cleanup costs of onsite damage in excess of $350 million for a single accident ($50 million when private insurance is added on) and a ceiling of two billion dollars. Participation in the insurance pool would be in conjunction with licensing and would permit no grandfathering. Total payout for Three Mile Island-2 would cover 75% of the cleanup costs, the remainder to be apportioned among other parties. The insurance pool will have a $750 million goal supported by utility premiums

  3. Risk Management and Insurance Decisions under Ambiguity

    DEFF Research Database (Denmark)

    Martínez-Correa, Jimmy

    I study the impact of ambiguity on insurance decisions and the optimality of insurance contracts. My tractable approach allows me to study the interaction between risk and ambiguity attitudes. When insurance decisions are made independently of other assets, for a given increase in wealth, both risk...... counterexample to a classical result in insurance economics where an insurance contract with straight deductible is dominated by a coinsurance contract. Finally, I find that a modified Borch rule characterizes the optimal insurance contract with bilateral risk and ambiguity attitudes and heterogeneity in beliefs....

  4. Role of Data mining in Insurance Industry

    Directory of Open Access Journals (Sweden)

    K. Umamaheswari

    2015-11-01

    Full Text Available In the global era, Insurance systems rapidly a lot of tremendous development in our society. Due to the increased stress in day-to-day life, the growth of demand of insurance increased. Data mining helps insurance firms to discovery useful patterns from the customer database. The purpose of the paper aims to present how data mining is useful in the insurance industry, how its techniques produce good results in insurance sector and how data mining enhance in decision making using insurance data. The conceptual paper is written based on secondary study, observation from various journals, magazines and reports.

  5. Role of Data mining in Insurance Industry

    Directory of Open Access Journals (Sweden)

    K. Umamaheswari

    2014-06-01

    Full Text Available n the global era, Insurance systems rapidly a lot of tremendous development in our society. Due to the increased stress in day-to-day life, the growth of demand of insurance increased. Data mining helps insurance firms to discovery useful patterns from the customer database. The purpose of the paper aims to present how data mining is useful in the insurance industry, how its techniques produce good results in insurance sector and how data mining enhance in decision making using insurance data. The conceptual paper is written based on secondary study, observation from various journals, magazines and reports.

  6. National Security Science and Technology Initiative: Air Cargo Screening

    Energy Technology Data Exchange (ETDEWEB)

    Bingham, Philip R [ORNL; White, Tim [Pacific Northwest National Laboratory (PNNL); Cespedes, Ernesto [Idaho National Laboratory (INL); Bowerman, Biays [Brookhaven National Laboratory (BNL); Bush, John [Battelle

    2010-11-01

    The non-intrusive inspection (NII) of consolidated air cargo carried on commercial passenger aircraft continues to be a technically challenging, high-priority requirement of the Department of Homeland Security's Science and Technology Directorate (DHS S&T), the Transportation Security Agency and the Federal Aviation Administration. The goal of deploying a screening system that can reliably and cost-effectively detect explosive threats in consolidated cargo without adversely affecting the flow of commerce will require significant technical advances that will take years to develop. To address this critical National Security need, the Battelle Memorial Institute (Battelle), under a Cooperative Research and Development Agreement (CRADA) with four of its associated US Department of Energy (DOE) National Laboratories (Oak Ridge, Pacific Northwest, Idaho, and Brookhaven), conducted a research and development initiative focused on identifying, evaluating, and integrating technologies for screening consolidated air cargo for the presence of explosive threats. Battelle invested $8.5M of internal research and development funds during fiscal years 2007 through 2009. The primary results of this effort are described in this document and can be summarized as follows: (1) Completed a gap analysis that identified threat signatures and observables, candidate technologies for detection, their current state of development, and provided recommendations for improvements to meet air cargo screening requirements. (2) Defined a Commodity/Threat/Detection matrix that focuses modeling and experimental efforts, identifies technology gaps and game-changing opportunities, and provides a means of summarizing current and emerging capabilities. (3) Defined key properties (e.g., elemental composition, average density, effective atomic weight) for basic commodity and explosive benchmarks, developed virtual models of the physical distributions (pallets) of three commodity types and three

  7. Nuclear power and nuclear insurance

    International Nuclear Information System (INIS)

    Fanned by the Chernobyl reactor accident the discussion about the safety and insurability of nuclear power plants has also been affecting the insurance companies. The related analyses of the safety concepts of German nuclear power plants have been confirming the companies' risk philosophy of maintaining the insurability of nuclear power plants either meeting German safety standards or equivalent safety standards. Apart from the technical evaluation of the safety of nuclear power plants the fundamental discussion about the pros and cons of nuclear power has also been stressing the damages and liability problem. The particular relevance of possible considerable transfrontier contaminations clearly reveals the urgency of establishing internationally standardized reactor accident liability regulations. (orig./HP)

  8. New approaches for index insurance

    OpenAIRE

    Skees, Jerry R.; Collier, Benjamin

    2010-01-01

    The El Niño Southern Oscillation (ENSO) is a climate event associated with warming sea surface temperatures in the Pacific Ocean. In years of extreme El Niño events, areas in northern Peru experience catastrophic flooding. As of 2010, it is possible for stakeholders in northern Peru to purchase a new form of insurance that pays out just as flooding begins and stakeholders begin incurring extra costs and consequential losses. Given the high basis risk associated with selling index insurance to...

  9. Insurance, Reinsurance and Dividend Payment

    CERN Document Server

    Goreac, D

    2008-01-01

    The aim of this paper is to introduce an insurance model allowing reinsurance and dividend payment. Our model deals with several homogeneous contracts and takes into account the legislation regarding the provisions to be justified by the insurance companies. This translates into some restriction on the (maximal) number of contracts the company is allowed to cover. We deal with a controlled jump process in which one has free choice of retention level and dividend amount. The value function is given as the maximized expected discounted dividends. We prove that this value function is a viscosity solution of some first-order Hamilton-Jacobi-Bellman variational inequality. Moreover, a uniqueness result is provided.

  10. Unemployment duration and unemployment insurance

    DEFF Research Database (Denmark)

    Røed, Knut; Jensen, Peter; Thoursie, Anna

    2008-01-01

    Based on pooled register data from Norway and Sweden, we find that differences in unemployment duration patterns reflect dissimilarities in unemployment insurance (UI) systems in a way that convincingly establishes the link between economic incentives and job search behaviour. Specifically, UI...... benefits are relatively more generous for low-income workers in Sweden than in Norway, leading to relatively longer unemployment spells for low-income workers in Sweden. Based on the between-countries variation in replacement ratios, we find that the elasticity of the outflow rate from insured unemployment...

  11. 78 FR 56583 - Deposit Insurance Regulations; Definition of Insured Deposit

    Science.gov (United States)

    2013-09-13

    ... exposure, but argued that it would adversely affect public relations. The commenter suggested that foreign... changes. \\15\\ 78 FR 11604 (February 19, 2013). II. Statutory Framework A. Definition of ``Insured Deposit....C. 1820(g); see, e.g., Unlimited Coverage for Noninterest- Bearing Transaction Accounts, 75 FR...

  12. Working out of generalized dynamic model of cargo fixation with cargo pads jointly with flexible and thrust elements under the action spatial force system

    OpenAIRE

    Khabibulla TURANOV; Elena TIMUKHINA

    2011-01-01

    The article gives an account of the results of working out a generalized dynamic model of fixation of cargo with pads jointly with flexible and thrust elements. Working out a generalized dynamic model of cargo fixation is rather a complicated problem not in the sense of solving differential equations systems but in the sense of presenting them as a complex mechanical system “cargo – pads – flexible elements – thrust bars”. Generalized dynamic model of cargo with pads observed that this model ...

  13. Insure Kids Now (IKN) (Dental Care Providers)

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Insure Kids Now (IKN) Dental Care Providers in Your State locator tool is provided, in accordance with the Children's Health Insurance Program Reauthorization...

  14. Nuclear materials transport: liability and insurance

    International Nuclear Information System (INIS)

    Regulations concerning civil and contractual liability for nuclear materials transport are reviewed, and damage repairs are provided by the insurance. Organization, guarantees for nuclear transport and operation of the nuclear insurance market are examined

  15. THE INSURANCE OF ECOLOGICAL RISKS IN UKRAINE

    OpenAIRE

    Pikus, R.; Lobova, O.

    2009-01-01

    The article defines the meaning and major tasks for ecological insurance in the society and economy. Its international experience and status in Ukraine is analyzed, a prospect for development of ecological insurance is determined.

  16. How to Shop for Health Insurance

    Science.gov (United States)

    ... and some preventive care. Most plans also offer discounts on prescription drugs and other services. Specific benefits ... child can start using the insurance. The insurance company should send you and everyone covered by your ...

  17. The Normative Foundations of (Social) Insurance

    DEFF Research Database (Denmark)

    Landes, Xavier

    Insurance mechanisms are prevalent in industrialized societies, in both public and private sectors. Insurance is offered for various risks ranging from fire to accident. They also constitute the core of the modern welfare state (public health insurance, unemployment benefits and public pensions......). The analysis of (public) insurance has however remained marginal in political theory because insurance is often perceived as a simple tool for pursuing equality, i.e. a tool without any moral significance proper. This text proposes an alternative view by drawing a continuum between insurance as a...... technology, which is the common interpretation in economics, and insurance as a social practice, which characterizes social theory. The goal is to underline how the technology of insurance alters social practices by, for instance, promoting equal standing or transforming the paradigm of individual...

  18. Joint-venture Insurance Firm Born

    Institute of Scientific and Technical Information of China (English)

    2002-01-01

    @@ Generali China Life insurance Company Ltd.began operations in February this year in Guangzhou,capital of South China's Guangdong Province - the first joint-venture insurer since China joined the World Trade Organization.

  19. Insuring catastrophes and the role of governments

    Science.gov (United States)

    Boyer, M. M.; Nyce, C. M.

    2013-08-01

    In this paper we model the cost of providing insurance coverage against natural and man-made hazards. We propose an insurance market model that explains (1) the use of reinsurance to help finance the cost of catastrophic events and (2) the implicit (or explicit) presence of government entities acting as (re)insurers of last resort. Using an economic model, we show how insurance programmes should be designed to cover the losses due to a possible catastrophic natural hazard. Our results show that the optimal structure of a reinsurance programme minimizes the cost of offering insurance protection. We also show how government intervention can reduce the cost of insurance against natural catastrophes and increase policyholders' welfare. Our paper therefore offers public policy implications as to the role and presence of government as an insurer of last resort and the minimum insurance premium necessary to cover the cost of catastrophic events.

  20. Pre-Existing Condition Insurance Plan Data

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Affordable Care Act created the new Pre-Existing Condition Insurance Plan (PCIP) program to make health insurance available to Americans denied coverage by...

  1. Crop Insurance, Premium Subsidy and Agricultural Output

    Institute of Scientific and Technical Information of China (English)

    XU Jing-feng; LIAO Pu

    2014-01-01

    This paper studied the effects of crop insurance on agricultural output with an economic growth model. Based on Ramsey-Cass-Koopmans (RCK) model, a basic model of agriculture economic growth was developed. Extending the basic model to incorporate uncertainty and insurance mechanism, a risk model and a risk-insurance model were built to study the inlfuences of risk and crop insurance on agricultural output. Compared with the steady states of the three models, the following results are achieved:(i) agricultural output decreases if we introduce uncertainty into the risk-free model;(ii) crop insurance promotes agriculture economic growth if insurance mechanism is introduced into the risk model;(iii) premium subsidy constantly improves agricultural output. Our contribution is that we studied the effects of crop insurance and premium subsidy from the perspective of economic growth in a dynamic framework, and proved the output promotion of crop insurance theoretically.

  2. The Nuclear Insurance Pools: Operations and Covers

    International Nuclear Information System (INIS)

    Nuclear insurance pools have provided insurance for the nuclear industry for over fifty years and it is fair to say that the development of civil nuclear power would not have been possible without the support of the commercial insurance market. The unknown risks presented by the nascent nuclear power industry in the 1950s required a leap of faith by insurers who developed specialist pooled insurance capacity to ensure adequate capacity to back up the operators' compensation obligations. Since then, nuclear insurance pools have evolved to become comprehensive suppliers of most types of insurance for nuclear plant globally. This paper will outline the structure, development, products and current operations of nuclear insurance pools.(author)

  3. Modelling in life insurance a management perspective

    CERN Document Server

    Norberg, Ragnar; Planchet, Frédéric

    2016-01-01

    Focussing on life insurance and pensions, this book addresses various aspects of modelling in modern insurance: insurance liabilities; asset-liability management; securitization, hedging, and investment strategies. With contributions from internationally renowned academics in actuarial science, finance, and management science and key people in major life insurance and reinsurance companies, there is expert coverage of a wide range of topics, for example: models in life insurance and their roles in decision making; an account of the contemporary history of insurance and life insurance mathematics; choice, calibration, and evaluation of models; documentation and quality checks of data; new insurance regulations and accounting rules; cash flow projection models; economic scenario generators; model uncertainty and model risk; model-based decision-making at line management level; models and behaviour of stakeholders. With author profiles ranging from highly specialized model builders to decision makers at chief ex...

  4. Healthcare.gov Insurance Finder Tool

    Data.gov (United States)

    U.S. Department of Health & Human Services — This tool will help you find the health insurance best suited to your needs, whether its private insurance for individuals, families, and small businesses, or...

  5. Health Insurance Marketplace Public Use Files

    Data.gov (United States)

    U.S. Department of Health & Human Services — A set of seven (7) public use files containing information on health insurance issuers participating in the Health Insurance Marketplace and certified qualified...

  6. 20 CFR 702.148 - Insurance carriers' and self-insured employers' responsibilities.

    Science.gov (United States)

    2010-04-01

    ... AND PROCEDURE General Provisions Commutation of Payments and Special Fund § 702.148 Insurance carriers' and self-insured employers' responsibilities. (a) Each carrier and self-insured employer shall make..., employers and insurance carriers are given the authority to monitor their claims in the special fund...

  7. 76 FR 75805 - Common Crop Insurance Regulations; Prune Crop Insurance Provisions

    Science.gov (United States)

    2011-12-05

    ..., published at 48 FR 29115, June 24, 1983. Executive Order 12988 This proposed rule has been reviewed in... Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC36 Common Crop Insurance Regulations; Prune Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation, USDA. ACTION: Proposed...

  8. 77 FR 41709 - Common Crop Insurance Regulations; Florida Citrus Fruit Crop Insurance Provisions

    Science.gov (United States)

    2012-07-16

    .... See the Notice related to 7 CFR part 3015, subpart V, published at 48 FR 29115, June 24, 1983... Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC39 Common Crop Insurance Regulations; Florida Citrus Fruit Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation, USDA. ACTION:...

  9. 76 FR 43606 - Common Crop Insurance Regulations; Onion Crop Insurance Provisions

    Science.gov (United States)

    2011-07-21

    .... See the Notice related to 7 CFR part 3015, subpart V, published at 48 FR 29115, June 24, 1983...; ] DEPARTMENT OF AGRICULTURE Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC29 Common Crop Insurance Regulations; Onion Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation,...

  10. 76 FR 71276 - Common Crop Insurance Regulations; Pecan Revenue Crop Insurance Provisions

    Science.gov (United States)

    2011-11-17

    .... See the Notice related to 7 CFR part 3015, subpart V, published at 48 FR 29115, June 24, 1983... Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC35 Common Crop Insurance Regulations; Pecan Revenue Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation, USDA. ACTION: Proposed...

  11. Effectiveness of insurance risk management under crisis conditions

    OpenAIRE

    Goncharenko, I.G.

    2015-01-01

    In the article some historical aspects of insurance, domestic trends in insurance risk management with aspects of international experience, the modern role of insurance and insurance companies in a market economy, factors of risk management system and the nature of the insurance portfolio are analyzed. Factors of risk events in insurance, the spectrum of risks, imbalance of the insurance market in crisis conditions are outlined; expert’s estimations of the insurance market in recent years are...

  12. Competition and Insurance Twenty Years Later

    OpenAIRE

    Michael Rothschild; Stiglitz, Joseph E

    1997-01-01

    We are honored to address the European Group of Risk and Insurance Economists and will take the opportunity to make some reflections on the rather uneasy relationship between insurance and competition.Economists generally prescribe competition as a solution for markets that do not work well. Competition allocates resources efficiently and encourages innovation and attention to what customers want. Insurance markets differ from most other markets because in insurance markets competition can de...

  13. On Corporate Risk Management and Insurance

    OpenAIRE

    MacMinn Richard D.

    2005-01-01

    Insurance contracts provide the corporation with an instrument to manage risk and create value. Insurance is designed to manage pure risk; a pure risk only yields a loss unlike speculative risks that may yield a gain or loss. Received theory does not provide the necessary distinction between pure and speculative risks that would allow the role of insurance to be investigated. Pure and speculative risks are modeled here as independent random variables. The role that insurance plays in determin...

  14. Telematics Strategy for Automobile Insurers : Whitepaper

    OpenAIRE

    Paefgen, Johannes; Fleisch, Elgar; Staake, Thorsten; Ackermann, Lukas; Best, Jonas; Egli, Lukas

    2013-01-01

    This whitepaper investigates the business implications telematics services and Pay-as-you-drive (PAYD) insurance in particular, from the perspective of automobile insurance providers. Specifically, it discusses - the PROFITABILITY and competitive dynamics of PAYD insurance, - a simplified BUSINESS CASE for a new market entrant with a PAYD product, - the present STRUCTURE OF INTERNATIONAL MARKETS for insurance telematics services, - DRIVERS AND BARRIERS for the focus markets Swit...

  15. Insurance Law and Economics: an empirical perspective

    OpenAIRE

    Boom, Willem

    2008-01-01

    textabstractThe theory of insurance law and economics holds that the insured will display less care as a consequence of the insurance coverage. It also holds that bad risks are more likely than good risks to display demand for coverage. These behavioural predictions, which are associated with moral hazard and adverse selection respectively, are firmly embedded in rational choice theory. This paper reviews empirical findings and addresses the question how close insurance law and economics theo...

  16. Medical Progress and Supplementary Private Health Insurance

    OpenAIRE

    Reiner Leidl

    2003-01-01

    In many welfare states, tightening financial constraints suggest excluding some medical services, including new ones, from social security coverage. This may create opportunities for private health insurance. This study analyses the performance of supplementary private health insurance (SPHI) in markets for excluded services in terms of population covered, risk selection and insurer profits. Using a utility-based simulation model, the insurance market is described as a composite of sub-market...

  17. COMPULSORY INSURANCE OF CIVIL LIABILITY IN RUSSIA

    Directory of Open Access Journals (Sweden)

    M. Malik

    2014-03-01

    Full Text Available The article outlines the main trends of compulsory insurance of civil liability in Russia : problems, trends and prospectsInsurance of civil liability – one of the popular forms of distribution and security in the world. The essence of compulsory insurance of civil responsibility is to protect the property interests of individuals. The development of liability insurance goes along with technological progress and reinforced by various laws and regulations, it touches almost all areas of life.

  18. Consumer price sensitivity in Dutch health insurance

    OpenAIRE

    Van Dijk, Machiel; Pomp, Marc; Douven, Rudy C.H.M.; Laske-Aldershof, Trea; Schut, Erik; Boer, Willem; de Boo, Anne

    2008-01-01

    textabstractAim: To estimate the price sensitivity of consumer choice of health insurance firm. Method: Using paneldata of the flows of insured betweenpairs of Dutch sickness funds during the period 1993-2002, we estimate the sensitivity of these flows to differences in insurance premium. Results: The price elasticity of residual demand for health insurance was low during the period 1993-2002, confirming earlier findings based on annual changes in market share. We find small but significant e...

  19. THE ESSENTIALS OF RAINFALL DERIVATIVES AND INSURANCE

    OpenAIRE

    Turvey, Calum G.

    1999-01-01

    This paper investigates the use of rainfall insurance to manage agricultural production risks. A number of rainfall insurance products are presented along with a raitonal model which identifies the economics of rainfall. The use of rainfall insurance will increase in future years as capital markets, financial institutions, reinsurance companies, crop insurance companies, and hedge funds collectively organize to share and distribute weather risks. The focus of this paper is in fact directed to...

  20. 2007 Saw Fresh Air for Insurance

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    @@ What happened to China's insurance sector this year?Above all, this year was the first in the new Five-Year Plan for the Standardization of China's Insurance (2007-2011). The Five-Year Plan,released back in February, sets the first standards for the insurance industry in China; meanwhile, it also lays out a blueprint for future development. Additionally, the insurance sector is focused on meeting international standards and levels of service in 2015.

  1. Occupational injury insurance - A strategy for prevention?

    DEFF Research Database (Denmark)

    Jacobsen, Thomas

    1993-01-01

    Can compulsory occupational injury insurance be used as a strategy for prevention in the work place? This is discussed on the basis of two different insurance systems - the Danish and the French.......Can compulsory occupational injury insurance be used as a strategy for prevention in the work place? This is discussed on the basis of two different insurance systems - the Danish and the French....

  2. Theoretical and Economic Aspects of Deposit Insurance

    OpenAIRE

    Zbyněk Revenda

    2013-01-01

    The paper deals with deposit insurance schemes as an integral part of the present system of the banking regulation. Insurance premiums, limits and the rates of compensation and consequences of deposit insurance are then discussed from the theoretical and practical points of view. The moral hazard of banks and depositors and adverse selection are the main undesirable accompanying effects, which are directly connected with the scale of insurance protection in banks. The European Union unifi es ...

  3. THE FINANCIAL RESTORATION OF INSURANCE COMPANIES

    OpenAIRE

    LUMINITA TULEASCA

    2012-01-01

    The entire legal regulation of the insurance market is focused on the protection of the insurance policies holders, on keeping their trust in the insurance system and on the maintenance of the financial market steadiness. Noticing and solving the problems prior to the occurrence of insurers’ insolvency situation represents a fundamental aspect for the means of achieving such objective.By this survey we will analyse the financial restoration procedure of the insurance companies, Romanian legal...

  4. IFRS for Insurance: CFO Forum Proposals

    OpenAIRE

    Denis Duverne; Jacques Le Douit

    2007-01-01

    European insurers who have to establish financial statements under IFRS must apply a temporary international accounting standard for insurance contracts which provides a flawed picture of their business. The IFRS long-term project for insurance is still under preparation by the IASB. The standard should not be issued until mid-2009 following a discussion paper to be submitted for comments in the first quarter 2007. The insurance industry has been involved for several years in a proactive way,...

  5. Pricing General Insurance in a Competitive Market

    OpenAIRE

    Burcã Ana-Maria; Bãtrînca Ghiorghe

    2012-01-01

    In insurance industry, the lack of a proper pricing policy will generate suboptimal results. The price has to be competitive and actuarially adequate in order to reflect the dimension of risk. In a competitive market, the pricing policy of insurance companies acquires the capacities of a dynamic process. In this pricing war, the insurance company must analyze each component of pricing. Insurance companies use various statistical methods to set prices, taking in consideration the interaction b...

  6. Incomplete Derivative Markets and Portfolio Insurance

    OpenAIRE

    Charalambos Aliprantis; Brown, Donald J; J. Werner

    1997-01-01

    We present necessary and sufficient conditions on the asset span of incomplete derivative markets for insuring marketed portfolios. If the asset span is finite dimensional there exists a polynomial-time algorithm for deciding if every marketed portfolio is insurable, moreover this algorithm computes the minimum cost insurance portfolio. In addition, we extend the Cox-Leland characterization of optimal portfolio insurance in complete derivative markets to asset spans of incomplete derivative m...

  7. Measuring the efficiency of Serbian insurance companies

    OpenAIRE

    Snežana Knežević; Milanka Marković; Andrijana Brown

    2015-01-01

    The transition period, and the still ongoing economic crisis, amplify the volatility in the domestic insurance market and forces the management of insurance companies to continuously monitor changes in the market, i.e. to identify risks and opportunities, and therefore to undertake certain activities. The focus of the business of insurance companies is based on satisfying the needs of existing and potential clients. Respecting the current situation in the insurance market in anticipation of f...

  8. Vesicular glutamate transporter 1 orchestrates recruitment of other synaptic vesicle cargo proteins during synaptic vesicle recycling.

    Science.gov (United States)

    Pan, Ping-Yue; Marrs, Julia; Ryan, Timothy A

    2015-09-11

    A long standing question in synaptic physiology is how neurotransmitter-filled vesicles are rebuilt after exocytosis. Among the first steps in this process is the endocytic retrieval of the transmembrane proteins that are enriched in synaptic vesicles (SVs). At least six types of transmembrane proteins must be recovered, but the rules for how this multiple cargo selection is accomplished are poorly understood. Among these SV cargos is the vesicular glutamate transporter (vGlut). We show here that vGlut1 has a strong influence on the kinetics of retrieval of half of the known SV cargos and that specifically impairing the endocytosis of vGlut1 in turn slows down other SV cargos, demonstrating that cargo retrieval is a collective cargo-driven process. Finally, we demonstrate that different cargos can be retrieved in the same synapse with different kinetics, suggesting that additional post-endocytic sorting steps likely occur in the nerve terminal. PMID:26224632

  9. Specific aspects of insurance of nuclear risks

    International Nuclear Information System (INIS)

    The following questions are discussed in connection with the insurance of nuclear risks: insurance techniques, the nuclear operator's limitation of liability in amount and in time, its channelling, the principle of sole liability and exonerations, the insurers' position, the cover provided and state intervention beyond that amount. (NEA)

  10. 7 CFR 1724.6 - Insurance requirements.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Insurance requirements. 1724.6 Section 1724.6... Insurance requirements. (a) Borrowers shall ensure that all architects and engineers working under contract with the borrower have insurance coverage as required by part 1788 of this chapter. (b) Borrowers...

  11. 32 CFR 766.9 - Insurance requirements.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 5 2010-07-01 2010-07-01 false Insurance requirements. 766.9 Section 766.9... DEPARTMENT OF THE NAVY AVIATION FACILITIES BY CIVIL AIRCRAFT § 766.9 Insurance requirements. (a) Control of insurance. The Commander, Naval Facilities Engineering Command, or his designee, shall be responsible...

  12. 7 CFR 1416.7 - Insurance requirements.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Insurance requirements. 1416.7 Section 1416.7... PROGRAMS General Provisions for 2006 Emergency Agricultural Disaster Assistance Programs § 1416.7 Insurance... rates for producers who did not have crop insurance or coverage under the Noninsured Crop...

  13. Private health insurance: implications for developing countries.

    Science.gov (United States)

    Sekhri, Neelam; Savedoff, William

    2005-02-01

    Private health insurance is playing an increasing role in both high- and low-income countries, yet is poorly understood by researchers and policy-makers. This paper shows that the distinction between private and public health insurance is often exaggerated since well regulated private insurance markets share many features with public insurance systems. It notes that private health insurance preceded many modern social insurance systems in western Europe, allowing these countries to develop the mechanisms, institutions and capacities that subsequently made it possible to provide universal access to health care. We also review international experiences with private insurance, demonstrating that its role is not restricted to any particular region or level of national income. The seven countries that finance more than 20% of their health care via private health insurance are Brazil, Chile, Namibia, South Africa, the United States, Uruguay and Zimbabwe. In each case, private health insurance provides primary financial protection for workers and their families while public health-care funds are targeted to programmes covering poor and vulnerable populations. We make recommendations for policy in developing countries, arguing that private health insurance cannot be ignored. Instead, it can be harnessed to serve the public interest if governments implement effective regulations and focus public funds on programmes for those who are poor and vulnerable. It can also be used as a transitional form of health insurance to develop experience with insurance institutions while the public sector increases its own capacity to manage and finance health-care coverage. PMID:15744405

  14. Insurance Law and Economics: an empirical perspective

    NARCIS (Netherlands)

    W.H. van Boom (Willem)

    2008-01-01

    textabstractThe theory of insurance law and economics holds that the insured will display less care as a consequence of the insurance coverage. It also holds that bad risks are more likely than good risks to display demand for coverage. These behavioural predictions, which are associate

  15. 29 CFR 18.411 - Liability insurance.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Liability insurance. 18.411 Section 18.411 Labor Office of... OF ADMINISTRATIVE LAW JUDGES Rules of Evidence Relevancy and Its Limits § 18.411 Liability insurance... evidence of insurance against liability when offered for another purpose, such as proof of...

  16. 33 CFR 136.111 - Insurance.

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 2 2010-07-01 2010-07-01 false Insurance. 136.111 Section 136...; DESIGNATION OF SOURCE; AND ADVERTISEMENT General Procedure § 136.111 Insurance. (a) A claimant shall provide the following information concerning any insurance which may cover the removal costs or damages...

  17. 38 CFR 36.4222 - Hazard insurance.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Hazard insurance. 36.4222... General Provisions § 36.4222 Hazard insurance. (a) The holder shall require insurance policies to be... it may be subjected to the extent customary in the locality. The costs of such required...

  18. 28 CFR 36.212 - Insurance.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 1 2010-07-01 2010-07-01 false Insurance. 36.212 Section 36.212 Judicial... COMMERCIAL FACILITIES General Requirements § 36.212 Insurance. (a) This part shall not be construed to... benefit plan that is not subject to State laws that regulate insurance. (b) Paragraphs (a) (1), (2),...

  19. Health Insurance and Children with Disabilities

    Science.gov (United States)

    Szilagyi, Peter G.

    2012-01-01

    Few people would disagree that children with disabilities need adequate health insurance. But what kind of health insurance coverage would be optimal for these children? Peter Szilagyi surveys the current state of insurance coverage for children with special health care needs and examines critical aspects of coverage with an eye to helping policy…

  20. 22 CFR 145.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Insurance coverage. 145.31 Section 145.31 Foreign Relations DEPARTMENT OF STATE CIVIL RIGHTS GRANTS AND AGREEMENTS WITH INSTITUTIONS OF HIGHER... Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for...

  1. 24 CFR 203.443 - Insurance premium.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premium. 203.443 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Rehabilitation Loans § 203.443...

  2. 48 CFR 35.013 - Insurance.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Insurance. 35.013 Section... CONTRACTING RESEARCH AND DEVELOPMENT CONTRACTING 35.013 Insurance. Nonprofit, educational, or State institutions performing cost-reimbursement contracts often do not carry insurance. They may claim immunity...

  3. 24 CFR 232.805 - Insurance premiums.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 232.805 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED...

  4. 22 CFR 62.14 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Insurance. 62.14 Section 62.14 Foreign... § 62.14 Insurance. (a) Sponsors shall require each exchange visitor to have insurance in effect which... amount of $10,000; and (4) A deductible not to exceed $500 per accident or illness. (b) An...

  5. 75 FR 9246 - Cooperative Share Loan Insurance

    Science.gov (United States)

    2010-03-01

    ... URBAN DEVELOPMENT Cooperative Share Loan Insurance AGENCY: Office of the Chief Information Officer, HUD... cooperative housing loan insurance will be published to update existing policies, and better enable mortgagees to submit cooperative share loans for FHA insurance. This new publication will provide...

  6. 45 CFR 2543.31 - Insurance coverage.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false Insurance coverage. 2543.31 Section 2543.31 Public... ORGANIZATIONS Post-Award Requirements Property Standards § 2543.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with...

  7. 32 CFR 32.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 1 2010-07-01 2010-07-01 false Insurance coverage. 32.31 Section 32.31 National... NON-PROFIT ORGANIZATIONS Post-Award Requirements Property Standards § 32.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and...

  8. 15 CFR 14.31 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false Insurance coverage. 14.31 Section 14... COMMERCIAL ORGANIZATIONS Post-Award Requirements Property Standards § 14.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment...

  9. 13 CFR 120.170 - Flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Flood insurance. 120.170 Section... to All Business Loans Requirements Imposed Under Other Laws and Orders § 120.170 Flood insurance.... 4000 et seq.)), a loan recipient must obtain flood insurance if any building (including mobile...

  10. 25 CFR 117.11 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Insurance. 117.11 Section 117.11 Indians BUREAU OF INDIAN... MEMBERS OF THE OSAGE TRIBE OF INDIANS WHO DO NOT HAVE CERTIFICATES OF COMPETENCY § 117.11 Insurance. The superintendent may obtain policies of insurance covering the restricted property, real or personal, of...

  11. 20 CFR 617.58 - Unemployment insurance.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Unemployment insurance. 617.58 Section 617.58 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR TRADE ADJUSTMENT ASSISTANCE... Unemployment insurance. Unemployment insurance payable to an adversely affected worker shall not be denied...

  12. 30 CFR 778.18 - Insurance.

    Science.gov (United States)

    2010-07-01

    ... 30 Mineral Resources 3 2010-07-01 2010-07-01 false Insurance. 778.18 Section 778.18 Mineral... APPLICATIONS-MINIMUM REQUIREMENTS FOR LEGAL, FINANCIAL, COMPLIANCE, AND RELATED INFORMATION § 778.18 Insurance. An application shall contain either a certificate of liability insurance or evidence of...

  13. 24 CFR 320.11 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance coverage. 320.11 Section...-BACKED SECURITIES Pass-Through Type Securities § 320.11 Insurance coverage. The issuer shall maintain, for the benefit of the Association, insurance, errors and omissions, fidelity bond and other...

  14. 36 CFR 1210.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false Insurance coverage. 1210.31 Section 1210.31 Parks, Forests, and Public Property NATIONAL ARCHIVES AND RECORDS ADMINISTRATION GENERAL....31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage...

  15. 29 CFR 95.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Insurance coverage. 95.31 Section 95.31 Labor Office of the Secretary of Labor GRANTS AND AGREEMENTS WITH INSTITUTIONS OF HIGHER EDUCATION, HOSPITALS, AND OTHER NON... § 95.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance...

  16. 49 CFR 19.31 - Insurance coverage.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 1 2010-10-01 2010-10-01 false Insurance coverage. 19.31 Section 19.31... Requirements Property Standards § 19.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with Federal funds as provided...

  17. 19 CFR 351.520 - Export insurance.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 3 2010-04-01 2010-04-01 false Export insurance. 351.520 Section 351.520 Customs... Identification and Measurement of Countervailable Subsidies § 351.520 Export insurance. (a) Benefit—(1) In general. In the case of export insurance, a benefit exists if the premium rates charged are inadequate...

  18. 24 CFR 207.259 - Insurance benefits.

    Science.gov (United States)

    2010-04-01

    ... insurance pursuant to 24 CFR parts 251, 252, or 255, the amount of the fee set forth through Federal... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance benefits. 207.259 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES...

  19. 40 CFR 30.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 1 2010-07-01 2010-07-01 false Insurance coverage. 30.31 Section 30.31... NON-PROFIT ORGANIZATIONS Post-Award Requirements Property Standards § 30.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and...

  20. 20 CFR 627.415 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Insurance. 627.415 Section 627.415 Employees... UNDER TITLES I, II, AND III OF THE ACT Administrative Standards § 627.415 Insurance. (a) General. Each recipient and subrecipient shall follow its normal insurance procedures except as otherwise indicated...

  1. 45 CFR 74.31 - Insurance coverage.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false Insurance coverage. 74.31 Section 74.31 Public..., AND COMMERCIAL ORGANIZATIONS Post-Award Requirements Property Standards § 74.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and...

  2. 48 CFR 970.2803 - Insurance.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Insurance. 970.2803 Section 970.2803 Federal Acquisition Regulations System DEPARTMENT OF ENERGY AGENCY SUPPLEMENTARY REGULATIONS DOE MANAGEMENT AND OPERATING CONTRACTS Bonds and Insurance 970.2803 Insurance....

  3. 33 CFR 401.23 - Liability insurance.

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 3 2010-07-01 2010-07-01 false Liability insurance. 401.23....23 Liability insurance. (a) It is a condition of approval of an application for preclearance that the vessel is covered by liability insurance equal to or exceeding $100 per gross registered ton. (b)...

  4. 27 CFR 24.68 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 1 2010-04-01 2010-04-01 false Insurance coverage. 24.68... OF THE TREASURY LIQUORS WINE Administrative and Miscellaneous Provisions Claims § 24.68 Insurance... recompensed for such tax by any valid claim of insurance or otherwise. (Sec. 201, Pub. L. 85-859, 72...

  5. 22 CFR 226.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Insurance coverage. 226.31 Section 226.31...-GOVERNMENTAL ORGANIZATIONS Post-award Requirements Property Standards § 226.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment...

  6. 2 CFR 215.31 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... 2 Grants and Agreements 1 2010-01-01 2010-01-01 false Insurance coverage. 215.31 Section 215.31 Grants and Agreements OFFICE OF MANAGEMENT AND BUDGET CIRCULARS AND GUIDANCE Reserved UNIFORM... Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for...

  7. 17 CFR 256.924 - Property insurance.

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Property insurance. 256.924... COMPANY ACT OF 1935 2. Expense § 256.924 Property insurance. (a) This account shall include the cost of insurance premiums to protect the service company against losses and damages to owned or leased...

  8. 24 CFR 232.885 - Insurance benefits.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance benefits. 232.885 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED...

  9. 24 CFR 241.885 - Insurance benefits.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance benefits. 241.885 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES... Without a HUD-Insured or HUD-Held Mortgage Rights and Duties of Lender Under the Contract of...

  10. 28 CFR 70.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Insurance coverage. 70.31 Section 70.31...-PROFIT ORGANIZATIONS Post-Award Requirements Property Standards § 70.31 Insurance coverage. Recipients must, at a minimum, provide the equivalent insurance coverage for real property and equipment...

  11. 24 CFR 35.1140 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Insurance coverage. 35.1140 Section... § 35.1140 Insurance coverage. For the requirements concerning the obligation of a PHA to obtain reasonable insurance coverage with respect to the hazards associated with evaluation and hazard...

  12. 24 CFR 84.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Insurance coverage. 84.31 Section 84.31 Housing and Urban Development Office of the Secretary, Department of Housing and Urban... Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for...

  13. 22 CFR 518.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 2 2010-04-01 2010-04-01 true Insurance coverage. 518.31 Section 518.31... Requirements Property Standards § 518.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with Federal funds as provided...

  14. 34 CFR 74.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 1 2010-07-01 2010-07-01 false Insurance coverage. 74.31 Section 74.31 Education... Property Standards § 74.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with Federal funds as provided to property...

  15. 38 CFR 49.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Insurance coverage. 49.31... NON-PROFIT ORGANIZATIONS Post-Award Requirements Property Standards § 49.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and...

  16. 14 CFR 1260.131 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Insurance coverage. 1260.131 Section 1260... Higher Education, Hospitals, and Other Non-Profit Organizations Property Standards § 1260.131 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property...

  17. 20 CFR 435.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Insurance coverage. 435.31 Section 435.31... ORGANIZATIONS Post-Award Requirements Property Standards § 435.31 Insurance coverage. Recipients must, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with...

  18. 7 CFR 2201.24 - Insurance.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Insurance. 2201.24 Section 2201.24 Agriculture... TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.24 Insurance. The Borrower of a Loan guaranteed under the Program shall obtain, at its expense, insurance sufficient to protect...

  19. 10 CFR 600.131 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Insurance coverage. 600.131 Section 600.131 Energy... Nonprofit Organizations Post-Award Requirements § 600.131 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with DOE funds...

  20. Consumer price sensitivity in Dutch health insurance

    NARCIS (Netherlands)

    M. van Dijk (Machiel); M. Pomp (Marc); R.C.H.M. Douven (Rudy C.H.M.); T. Laske-Aldershof (Trea); F.T. Schut (Erik); W. de Boer (Willem); A. Boo (Anne)

    2008-01-01

    textabstractAim: To estimate the price sensitivity of consumer choice of health insurance firm. Method: Using paneldata of the flows of insured betweenpairs of Dutch sickness funds during the period 1993-2002, we estimate the sensitivity of these flows to differences in insurance premium. Results: T

  1. 76 FR 7767 - Student Health Insurance Coverage

    Science.gov (United States)

    2011-02-11

    ... policy either on an academic term basis or an annual basis. Insured student health insurance plans fall... these student health insurance plans are not employment- based, they do not meet the definition of a... protections) (75 FR 37188 (June 28, 2010)), and section 2713 (regarding preventive health services) (75...

  2. Insurance: School Business Management Handbook No. 2.

    Science.gov (United States)

    Rogers, E. Lloyd

    The second revision of this handbook was developed as a practical tool for insurance management for school administrators. The question-and-answer format has been used to enable the busy school administrator to quickly locate and identify his immediate area of concern. The insurance areas discussed are: insurance on real and personal property…

  3. 46 CFR 326.2 - Insurer.

    Science.gov (United States)

    2010-10-01

    ... coverage under one or more policies written by underwriters of marine insurance. MARAD shall determine the... ADMINISTRATION, DEPARTMENT OF TRANSPORTATION A-NATIONAL SHIPPING AUTHORITY MARINE PROTECTION AND INDEMNITY INSURANCE UNDER AGREEMENTS WITH AGENTS § 326.2 Insurer. MARAD shall be responsible for providing...

  4. Evolutionary dynamics of collective index insurance.

    Science.gov (United States)

    Pacheco, Jorge M; Santos, Francisco C; Levin, Simon A

    2016-03-01

    Index-based insurances offer promising opportunities for climate-risk investments in developing countries. Indeed, contracts conditional on, e.g., weather or livestock indexes can be cheaper to set up than conventional indemnity-based insurances, while offering a safety net to vulnerable households, allowing them to eventually escape poverty traps. Moreover, transaction costs by insurance companies may be additionally reduced if contracts, instead of arranged with single households, are endorsed by collectives of households that bear the responsibility of managing the division of the insurance coverage by its members whenever the index is surpassed, allowing for additional flexibility in what concerns risk-sharing and also allowing insurance companies to avoid the costs associated with moral hazard. Here we resort to a population dynamics framework to investigate under which conditions household collectives may find collective index insurances attractive, when compared with individual index insurances. We assume risk sharing among the participants of each collective, and model collective action in terms of an N-person threshold game. Compared to less affordable individual index insurances, we show how collective index insurances lead to a coordination problem in which the adoption of index insurances may become the optimal decision, spreading index insurance coverage to the entire population. We further investigate the role of risk-averse and risk-prone behaviors, as well as the role of partial correlation between insurance coverage and actual loss of crops, and in which way these affect the original coordination thresholds. PMID:26486802

  5. ROLE OF INTERNET IN INSURANCE SERVICES REALIZATION

    Directory of Open Access Journals (Sweden)

    N. Prikazyuk

    2014-03-01

    Full Text Available The role of the Internet in the implementation of insurance products is investigated. It is founded the Internet in insurance performs presentable and realizable function. The benefits of using Internet technologies for business of insurance market are determined.

  6. AMERICAN SHARE INSURANCE: THE SOLE SURVIVING PRIVATE DEPOSIT INSURER IN THE UNITED STATES

    Directory of Open Access Journals (Sweden)

    Stephanie O. Crofton

    2010-01-01

    Full Text Available Founded in 1974, American Share Insurance (ASI is an insurer for deposits in credit unions and it is the sole surviving private primary deposit insurer in the US. We assess reasons why ASI survived when numerous other deposit insurance systems did not. These reasons include ASI’s policy of insuring only credit unions, its geographic diversification, its efforts to shed the quasi-governmental nature of other nonfederal deposit insurers, its covering only stronger depositories, its ability to draw funding from stronger insured institutions as needed, and its use of incentives for improved performance among its insured institutions. While the severity of the effects of the housing, financial, and economic crises on depositories and their insurers is yet to become fully clear, ASI’s performance up to the Summer of 2009 points to a set of practices that could help buttress other government and private deposit insurers in the US and abroad.

  7. Consumer choice of social health insurance in managed competition.

    NARCIS (Netherlands)

    Kerssens, J.J.; Groenewegen, P.P.

    2003-01-01

    Objective: To promote managed competition in Dutch health insurance, the insured are now able to change health insurers. They can choose a health insurer with a low flat-rate premium, the best supplementary insurance and/or the best service. As we do not know why people prefer one health insurer to

  8. Consumer choice of social health insurance in managed competition

    NARCIS (Netherlands)

    Kerssens, Jan J.; Groenewegen, Peter P.

    2003-01-01

    Objective To promote managed competition in Dutch health insurance, the insured are now able to change heaith insurers. They can choose a health insurer with a low flat-rate premium, the best supplementary insurance and/or the best service. As we do not know why people prefer one health insurer to a

  9. Professional liability insurance with focus on legal professions

    OpenAIRE

    Hubinková, Barbora

    2015-01-01

    The thesis is about professional liability insurance, focused primarily on legal professions. The first part describes general liability insurance, then the thesis is focused on characteristics and specific features of professional liability insurance. The thesis also analyzes legal requirements for insurance of selected professions and significance of professional associations in professional liability insurance. In conclusion, it examines availability of professional liability insurance pro...

  10. 14 CFR 198.7 - Amount of insurance coverage available.

    Science.gov (United States)

    2010-01-01

    ... (CONTINUED) WAR RISK INSURANCE AVIATION INSURANCE § 198.7 Amount of insurance coverage available. (a) For... arising from any risk. In the case of hull insurance, the amount insured may not exceed the reasonable... premium may be revised from time to time by the FAA with notice to the insured, to add aircraft...

  11. PRIVATE OR PUBLIC PENSION INSURANCE?

    Directory of Open Access Journals (Sweden)

    Bogomil Manov

    2013-03-01

    Full Text Available The most recent trends in population dynamics and increased longevity risk have provoked a rigorous debate whether the private or the public pension insurance system should be predominant. The public pension insurance is dominated by the state that guarantees its stability, but is often compared to a pyramid or a Ponzi scheme. The private pension insurance provides personal retirement accounts and proper ownership of the accumulated funds, but its sustainability during prolonged market crises and inadequate risk sharing are often questioned. In order to address the issue, this study analyzes and compares a large set of arguments and popular opinions in favour and against both pension models. As a result of the study, a conclusion is drawn stating that both types of pension insurance, despite of their positive and negative features have their essential role nowadays. This study is part of a growing set of articles on the feasibility of using a proper combination of the two pension models and will contribute to future research on the topic and might benefit policymakers in taking an appropriate decision.

  12. CERN HEALTH INSURANCE SUPERVISORY BOARD

    CERN Multimedia

    Sylvain Weisz

    2002-01-01

    All Members of the CERN Health Insurance Scheme (CHIS) are invited to a: CHIS Public Information Meeting Main Amphitheatre Tuesday 1 October 2002 (14:00-16:00) Topics will include the CHIS balance, trends in costs and the challenges facing our Scheme. Particular emphasis will be placed on hospitalisation in the Geneva area. Sylvain Weisz Chairman of the CHIS Board

  13. Recalls and unemployment insurance taxes

    Czech Academy of Sciences Publication Activity Database

    Jurajda, Štěpán

    2004-01-01

    Roč. 11, č. 10 (2004), s. 651-656. ISSN 1350-4851 Institutional research plan: CEZ:AV0Z7085904 Keywords : recalls * unemployment insurance taxes Subject RIV: AH - Economics Impact factor: 0.135, year: 2004 http://search.ebscohost.com/login.aspx?direct=true&db=bth&AN=14132347&site=ehost-live

  14. 46 CFR 153.490 - Cargo Record Book and Approved Procedures and Arrangements Manual: Categories A, B, C, and D.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 5 2010-10-01 2010-10-01 false Cargo Record Book and Approved Procedures and... Cargo Record Book and Approved Procedures and Arrangements Manual: Categories A, B, C, and D. (a) Unless... carry NLS cargo, a ship must have— (1) If U.S., a Cargo Record Book published by the Coast Guard...

  15. Disability Insurance and the Dynamics of the Incentive-Insurance Tradeoff

    OpenAIRE

    Low, Hamish; Pistaferri, Luigi

    2015-01-01

    We provide a lifecycle framework for comparing the insurance value and the incentive cost of disability benefits. We estimate the risks that individuals face and the parameters governing the disability insurance program using longitudinal US data on consumption, health, disability insurance, and wages. We characterize the economic effects of disability insurance and study how policy reforms impact behavior and house-hold welfare. Disability insurance is characterised by high rejectio...

  16. The impact of public intervention on self-insurance and insurance activities in risky forest management

    OpenAIRE

    Brunette, Marielle; Couture, Stéphane; Association of Environmental and Resource Economists

    2007-01-01

    As suggested by Birot and Gollier (2001), one explenation of the low interest in insuring against fire and wind is the expectation that public subsidies will compensate the losses. This article examines the robustness of this explanation in a general model with many states of the world. We developp a theoretical model of self-insurance or insurance choice that emphasizes the interaction between market insurance, self-insurance and public intervention in forest. The effects of changes in the p...

  17. Turkish Compulsory Earthquake Insurance (TCIP)

    Science.gov (United States)

    Erdik, M.; Durukal, E.; Sesetyan, K.

    2009-04-01

    Through a World Bank project a government-sponsored Turkish Catastrophic Insurance Pool (TCIP) is created in 2000 with the essential aim of transferring the government's financial burden of replacing earthquake-damaged housing to international reinsurance and capital markets. Providing coverage to about 2.9 Million homeowners TCIP is the largest insurance program in the country with about 0.5 Billion USD in its own reserves and about 2.3 Billion USD in total claims paying capacity. The total payment for earthquake damage since 2000 (mostly small, 226 earthquakes) amounts to about 13 Million USD. The country-wide penetration rate is about 22%, highest in the Marmara region (30%) and lowest in the south-east Turkey (9%). TCIP is the sole-source provider of earthquake loss coverage up to 90,000 USD per house. The annual premium, categorized on the basis of earthquake zones type of structure, is about US90 for a 100 square meter reinforced concrete building in the most hazardous zone with 2% deductible. The earthquake engineering related shortcomings of the TCIP is exemplified by fact that the average rate of 0.13% (for reinforced concrete buildings) with only 2% deductible is rather low compared to countries with similar earthquake exposure. From an earthquake engineering point of view the risk underwriting (Typification of housing units to be insured, earthquake intensity zonation and the sum insured) of the TCIP needs to be overhauled. Especially for large cities, models can be developed where its expected earthquake performance (and consequently the insurance premium) can be can be assessed on the basis of the location of the unit (microzoned earthquake hazard) and basic structural attributes (earthquake vulnerability relationships). With such an approach, in the future the TCIP can contribute to the control of construction through differentiation of premia on the basis of earthquake vulnerability.

  18. Development of a Cargo Screening Process Simulator: A First Approach

    CERN Document Server

    Siebers, Peer-Olaf; Aickelin, Uwe

    2010-01-01

    The efficiency of current cargo screening processes at sea and air ports is largely unknown as few benchmarks exists against which they could be measured. Some manufacturers provide benchmarks for individual sensors but we found no benchmarks that take a holistic view of the overall screening procedures and no benchmarks that take operator variability into account. Just adding up resources and manpower used is not an effective way for assessing systems where human decision-making and operator compliance to rules play a vital role. Our aim is to develop a decision support tool (cargo-screening system simulator) that will map the right technology and manpower to the right commodity-threat combination in order to maximise detection rates. In this paper we present our ideas for developing such a system and highlight the research challenges we have identified. Then we introduce our first case study and report on the progress we have made so far.

  19. Implementation of cargo MagLev in the United States

    Energy Technology Data Exchange (ETDEWEB)

    Rose, Chris R [Los Alamos National Laboratory; Peterson, Dean E [Los Alamos National Laboratory; Leung, Eddie M [MAGTEC ENGINEERING

    2008-01-01

    Numerous studies have been completed in the United States, but no commercial MagLev systems have been deployed. Outside the U.S., MagLev continues to attract funding for research, development and implementation. A brief review of recent global developments in MagLev technology is given followed by the status of MagLev in the U.S. The paper compares the cost of existing MagLev systems with other modes of transport, notes that the near-term focus of MagLev development in the U.S. should be for cargo, and suggests that future MagLev systems should be for very high speed cargo. The Los Angeles to Port of Los Angeles corridor is suggested as a first site for implementation. The benefits of MagLev are described along with suggestions on how to obtain funding.

  20. 26 CFR 1.831-1 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and...

    Science.gov (United States)

    2010-04-01

    ... mutual), mutual marine insurance companies, and mutual fire insurance companies issuing perpetual... companies (other than life or mutual), mutual marine insurance companies, and mutual fire insurance... insurance companies not carrying on an insurance business within the United States, and all mutual...

  1. The Application Model of Moving Objects in Cargo Delivery System

    Institute of Scientific and Technical Information of China (English)

    ZHANG Feng-li; ZHOU Ming-tian; XU Bo

    2004-01-01

    The development of spatio-temporal database systems is primarily motivated by applications which track and present mobile objects. In this paper, solutions for establishing the moving object database based on GPS/GIS environment are presented, and a data modeling of moving object is given by using Temporal logical to extent the query language, finally the application model in cargo delivery system is shown.

  2. Reject or embrace? Messengers and electric cargo bikes

    OpenAIRE

    Gruber, Johannes; Kihm, Alexander

    2015-01-01

    One of many approaches to react to the challenges faced by urban freight can be the introduction of electric cargo bikes as an environmentally friendly mode of transport for courier deliveries. Since this market consists of highly decentralized decision-making structures, it is important to characterize the individuals involved and their perceptions in order to estimate market potentials and identify barriers to market uptake. To achieve this goal, we use information from a nationwide survey ...

  3. SIMULATION OF CARGO CONTAINER INTERROGATION BY D-D NEUTRONS

    International Nuclear Information System (INIS)

    High fidelity, three-dimensional computer models based on a CAD drawing of an intermodal cargo container, representative payload objects, and detector array panels were developed to simulate the underlying physical events taking place during active interrogation. These computer models are used to assess the performance of interrogation systems with different sources and detection schemes. In this presentation, we will show that the use oversimplified models, such as analyzing homogenized payloads only, can lead to errors in determining viable approaches for interrogation

  4. SHIP AND CARGO MORTGAGE, TWO DIFFERENT LEGAL VIEWPOINTS

    OpenAIRE

    Mohammad Abouata

    2015-01-01

    Although the subject-matter of cargo and ship mortgage are similar (providing financial security for creditors),the regulations of these contracts, differ from each other essentially with regard to the conditionality of taking possession in concluding the contract, the possibility of endorsement and cession in mortgage document, the creditor s kind of real right ,the preference of prior or latter creditor in vindication of right and the effect of mortgage loss on the contract and the pos...

  5. SIMULATION OF CARGO CONTAINER INTERROGATION BY D-D NEUTRONS

    Energy Technology Data Exchange (ETDEWEB)

    Lou, Tak Pui; Antolak, Arlyn

    2007-02-15

    High fidelity, three-dimensional computer models based on a CAD drawing of an intermodal cargo container, representative payload objects, and detector array panels were developed to simulate the underlying physical events taking place during active interrogation. These computer models are used to assess the performance of interrogation systems with different sources and detection schemes. In this presentation, we will show that the use oversimplified models, such as analyzing homogenized payloads only, can lead to errors in determining viable approaches for interrogation.

  6. Hydrogel Walkers with Electro-Driven Motility for Cargo Transport

    OpenAIRE

    Chao Yang; Wei Wang; Chen Yao; Rui Xie; Xiao-Jie Ju; Zhuang Liu; Liang-Yin Chu

    2015-01-01

    In this study, soft hydrogel walkers with electro-driven motility for cargo transport have been developed via a facile mould-assisted strategy. The hydrogel walkers consisting of polyanionic poly(2-acrylamido-2-methylpropanesulfonic acid-co-acrylamide) exhibit an arc looper-like shape with two “legs” for walking. The hydrogel walkers can reversibly bend and stretch via repeated “on/off” electro-triggers in electrolyte solution. Based on such bending/stretching behaviors, the hydrogel walkers ...

  7. Risk assessment and nuclear insurance: an overview

    International Nuclear Information System (INIS)

    In the nascent years of commercial nuclear power, the insurance industry expressed confidence in the safety of nuclear operations by committing unprecedented insurance capacity to nuclear risks. As the nuclear industry has developed, it has compiled an enviable safety record. The initial confidence of the insurance industry has thus been justified and an ever-increasing portion of the financial liability associated with nuclear operations has been accepted by the world-wide insurance markets. This increasing acceptance and understanding of nuclear risks by the insurance industry has resulted in significantly reduced rates and large premium refunds for nuclear operators

  8. The Role of Nuclear Insurance Pools

    International Nuclear Information System (INIS)

    Since fifty years insurers respond to the need of both governments and the electricity industry to provide financial protection to cover the perils presented by the use of nuclear energy for peaceful purposes. This paper aims at explaining what difficulties had to be solved in order to enable insurers to provide such protection, that as a solution to these difficulties Nuclear Insurance Pools were formed, how such pools operate and what security they provide. Thereby not only a number of universal principles underlying nuclear pool insurance will be explained, but also some differences in the characteristics of such insurance per group of countries. (author)

  9. Risk transfer solutions for the insurance industry

    Directory of Open Access Journals (Sweden)

    Njegomir Vladimir

    2009-01-01

    Full Text Available The paper focuses on the traditional and alternative mechanisms for insurance risk transfer that are available to global as well as to domestic insurance companies. The findings suggest that traditional insurance risk transfer solutions available to insurance industry nowadays will be predominant in the foreseeable future but the increasing role of alternative solutions is to be expected as the complementary rather than supplementary solution to traditional transfer. Additionally, findings suggest that it is reasonable to expect that future development of risk transfer solutions in Serbia will follow the path that has been passed by global insurance industry.

  10. Cargo-Positioning System for Next-Generation Spacecraft

    Science.gov (United States)

    Holladay, Jon; Colton, Jonathan

    2006-01-01

    A report discusses a proposed system for mounting loaded pallets in the cargo bay of a next-generation space-shuttle-like spacecraft, such that the center of mass of the cargo would lie within a 1-in. (2.54-cm) cube that would also contain the center of mass of the spacecraft. The system would include (1) an algorithm for planning the locations of the pallets, given the geometric and weight properties of the pallets, and the geometric restrictions of the cargo bay; (2) quick-connect/quick-disconnect mounting mechanisms similar to those now used on air hoses; (3) other mounting mechanisms, comprising mostly spring-loaded pins, in a locking subsystem that would prevent shifting of the pallets under load; and (4) mechanisms for performing fine position adjustments to satisfy the center-of-mass requirement. The position- adjusting mechanisms would be motor-driven lead-screw mechanisms in groups of three - one for positioning each pin of the locking subsystem along each of three mutually perpendicular coordinate axes. The system also would include a triple-threaded screw that would provide compensation for thermal expansion or contraction of the spacecraft.

  11. A Novel Multilayered RFID Tagged Cargo Integrity Assurance Scheme.

    Science.gov (United States)

    Yang, Ming Hour; Luo, Jia Ning; Lu, Shao Yong

    2015-01-01

    To minimize cargo theft during transport, mobile radio frequency identification (RFID) grouping proof methods are generally employed to ensure the integrity of entire cargo loads. However, conventional grouping proofs cannot simultaneously generate grouping proofs for a specific group of RFID tags. The most serious problem of these methods is that nonexistent tags are included in the grouping proofs because of the considerable amount of time it takes to scan a high number of tags. Thus, applying grouping proof methods in the current logistics industry is difficult. To solve this problem, this paper proposes a method for generating multilayered offline grouping proofs. The proposed method provides tag anonymity; moreover, resolving disputes between recipients and transporters over the integrity of cargo deliveries can be expedited by generating grouping proofs and automatically authenticating the consistency between the receipt proof and pick proof. The proposed method can also protect against replay attacks, multi-session attacks, and concurrency attacks. Finally, experimental results verify that, compared with other methods for generating grouping proofs, the proposed method can efficiently generate offline grouping proofs involving several parties in a supply chain using mobile RFID. PMID:26512673

  12. Diffusion-Limited Cargo Loading of an Engineered Protein Container.

    Science.gov (United States)

    Zschoche, Reinhard; Hilvert, Donald

    2015-12-30

    The engineered bacterial nanocompartment AaLS-13 is a promising artificial encapsulation system that exploits electrostatic interactions for cargo loading. In order to study its ability to take up and retain guests, a pair of fluorescent proteins was developed which allows spectroscopic determination of the extent of encapsulation by Förster resonance energy transfer (FRET). The encapsulation process is generally complete within a second, suggesting low energetic barriers for proteins to cross the capsid shell. Formation of intermediate aggregates upon mixing host and guest in vitro complicates capsid loading at low ionic strength, but can be sidestepped by increasing salt concentrations or diluting the components. Encapsulation of guests is completely reversible, and the position of the equilibrium is easily tuned by varying the ionic strength. These results, which challenge the notion that AaLS-13 is a continuous rigid shell, provide valuable information about cargo loading that will guide ongoing efforts to engineer functional host-guest complexes. Moreover, it should be possible to adapt the protein FRET pair described in this report to characterize functional capsid-cargo complexes generated by other encapsulation systems. PMID:26637019

  13. Secreted primary human malignant mesothelioma exosome signature reflects oncogenic cargo.

    Science.gov (United States)

    Greening, David W; Ji, Hong; Chen, Maoshan; Robinson, Bruce W S; Dick, Ian M; Creaney, Jenette; Simpson, Richard J

    2016-01-01

    Malignant mesothelioma (MM) is a highly-aggressive heterogeneous malignancy, typically diagnosed at advanced stage. An important area of mesothelioma biology and progression is understanding intercellular communication and the contribution of the secretome. Exosomes are secreted extracellular vesicles shown to shuttle cellular cargo and direct intercellular communication in the tumour microenvironment, facilitate immunoregulation and metastasis. In this study, quantitative proteomics was used to investigate MM-derived exosomes from distinct human models and identify select cargo protein networks associated with angiogenesis, metastasis, and immunoregulation. Utilising bioinformatics pathway/network analyses, and correlation with previous studies on tumour exosomes, we defined a select mesothelioma exosomal signature (mEXOS, 570 proteins) enriched in tumour antigens and various cancer-specific signalling (HPGD/ENO1/OSMR) and secreted modulators (FN1/ITLN1/MAMDC2/PDGFD/GBP1). Notably, such circulating cargo offers unique insights into mesothelioma progression and tumour microenvironment reprogramming. Functionally, we demonstrate that oncogenic exosomes facilitate the migratory capacity of fibroblast/endothelial cells, supporting the systematic model of MM progression associated with vascular remodelling and angiogenesis. We provide biophysical and proteomic characterisation of exosomes, define a unique oncogenic signature (mEXOS), and demonstrate the regulatory capacity of exosomes in cell migration/tube formation assays. These findings contribute to understanding tumour-stromal crosstalk in the context of MM, and potential new diagnostic and therapeutic extracellular targets. PMID:27605433

  14. Calcium and cargoes as regulators of myosin 5a activity

    International Nuclear Information System (INIS)

    Myosin 5a is a two-headed actin-dependent motor that transports various cargoes in cells. Its enzymology and mechanochemistry have been extensively studied in vitro. It is a processive motor that takes multiple 36 nm steps on actin. The enzymatic activity of myosin 5 is regulated by an intramolecular folding mechanism whereby its lever arms fold back against the coiled-coil tail such that the motor domains directly bind the globular tail domains. We show that the structure seen in individual folded molecules is consistent with electron density map of two-dimensional crystals of the molecule. In this compact state, the actin-activated MgATPase activity of the molecule is markedly inhibited and the molecule cannot move processively on surface bound actin filaments. The actin-activated MgATPase activity of myosin 5a is activated by increasing the calcium concentration or by binding of a cargo-receptor molecule, melanophilin, in vitro. However, calcium binding to the calmodulin light chains results in dissociation of some of the calmodulin which disrupts the ability of myosin 5a to move on actin filaments in vitro. Thus we propose that the physiologically relevant activation pathway in vivo involves binding of cargo-receptor proteins

  15. Secreted primary human malignant mesothelioma exosome signature reflects oncogenic cargo

    Science.gov (United States)

    Greening, David W.; Ji, Hong; Chen, Maoshan; Robinson, Bruce W. S.; Dick, Ian M.; Creaney, Jenette; Simpson, Richard J.

    2016-01-01

    Malignant mesothelioma (MM) is a highly-aggressive heterogeneous malignancy, typically diagnosed at advanced stage. An important area of mesothelioma biology and progression is understanding intercellular communication and the contribution of the secretome. Exosomes are secreted extracellular vesicles shown to shuttle cellular cargo and direct intercellular communication in the tumour microenvironment, facilitate immunoregulation and metastasis. In this study, quantitative proteomics was used to investigate MM-derived exosomes from distinct human models and identify select cargo protein networks associated with angiogenesis, metastasis, and immunoregulation. Utilising bioinformatics pathway/network analyses, and correlation with previous studies on tumour exosomes, we defined a select mesothelioma exosomal signature (mEXOS, 570 proteins) enriched in tumour antigens and various cancer-specific signalling (HPGD/ENO1/OSMR) and secreted modulators (FN1/ITLN1/MAMDC2/PDGFD/GBP1). Notably, such circulating cargo offers unique insights into mesothelioma progression and tumour microenvironment reprogramming. Functionally, we demonstrate that oncogenic exosomes facilitate the migratory capacity of fibroblast/endothelial cells, supporting the systematic model of MM progression associated with vascular remodelling and angiogenesis. We provide biophysical and proteomic characterisation of exosomes, define a unique oncogenic signature (mEXOS), and demonstrate the regulatory capacity of exosomes in cell migration/tube formation assays. These findings contribute to understanding tumour-stromal crosstalk in the context of MM, and potential new diagnostic and therapeutic extracellular targets. PMID:27605433

  16. A Novel Multilayered RFID Tagged Cargo Integrity Assurance Scheme

    Directory of Open Access Journals (Sweden)

    Ming Hour Yang

    2015-10-01

    Full Text Available To minimize cargo theft during transport, mobile radio frequency identification (RFID grouping proof methods are generally employed to ensure the integrity of entire cargo loads. However, conventional grouping proofs cannot simultaneously generate grouping proofs for a specific group of RFID tags. The most serious problem of these methods is that nonexistent tags are included in the grouping proofs because of the considerable amount of time it takes to scan a high number of tags. Thus, applying grouping proof methods in the current logistics industry is difficult. To solve this problem, this paper proposes a method for generating multilayered offline grouping proofs. The proposed method provides tag anonymity; moreover, resolving disputes between recipients and transporters over the integrity of cargo deliveries can be expedited by generating grouping proofs and automatically authenticating the consistency between the receipt proof and pick proof. The proposed method can also protect against replay attacks, multi-session attacks, and concurrency attacks. Finally, experimental results verify that, compared with other methods for generating grouping proofs, the proposed method can efficiently generate offline grouping proofs involving several parties in a supply chain using mobile RFID.

  17. Implementing Automotive Telematics for Fleet Insurance

    Directory of Open Access Journals (Sweden)

    Marika Azzopardi

    2013-12-01

    Full Text Available The advantages of Usage-Based Insurance for automotive covers over conventional rating methods have been discussed in literature for over four decades. Notwithstanding their adoption in insurance markets has been slow. This paper seeks to establish the viability of introducing fleet Telematics-Based Insurance by investigating the perceptions of insurance operators, tracking service providers and corporate fleet owners. At its core, the study involves a SWOT-analysis to appraise Telematics-Based Insurance against conventional premium rating systems. Twenty five key stakeholders in Malta, a country with an insurance industry that represents others in microcosm, were interviewed to develop our analysis. We assert that local insurers have interests in such insurance schemes as enhanced fleet management and monitoring translate into an improved insurance risk. The findings presented here have implications for all stakeholders as we argue that telematics enhance fleet management, TBI improves risk management for insurers and adoption of this technology is dependent on telematics providers increasing the perceived control by insurers over managing this technology.

  18. Climate change and insurance: a critical appraisal

    International Nuclear Information System (INIS)

    Several issues relating to insurance and the damage costs of climate change are discussed. It is argued that the option of insuring climate change is severely limited because the associated damages are hardly quantifiable and little diversifiable; in addition, binding contracts are a problem on long time scales and in an international context. Hedging, consumption smoothing over time, precautionary investments and liability are not to be presented under the heading of insurance, not only because this unnecessarily and confusingly expands the traditional definition of insurance, but also because this could create a false sense of security. The impact of climate change on the profitability of the commercial insurance sector is not likely to be severe, as the insurance companies are capable of shifting changed risks to the insured, provided that they are properly and timely informed on the consequences of climate change. (author)

  19. Entrepreneurial Moral Hazard in Income Insurance

    DEFF Research Database (Denmark)

    Ejrnæs, Mette; Hochguertel, Stefan

    We study risk behavior of Danish self-employed entrepreneurs, whose income risk may be driven by both exogenous factors and effort choice (moral hazard). Partial insurance is available through voluntary unemployment insurance (UI). Additional incentives to sign insurance contracts stem from a UI......-embedded, government-subsidized early retirement (ER) program, giving benefits that are unrelated to business risk. Indeed, we argue that the self-employeds' incentives to insure themselves stem from the ER plan rather than from the UI cover. We show how to use a policy reform to identify moral hazard in observed...... transitions to unemployment when insurance is a choice variable. We use administrative (register) panel data covering 10% of the Danish population. We find that the insured are indeed more likely to transit into unemployment than the uninsured, once we properly instrument for the insurance choice....

  20. Considerations on Albanian Life Insurance Market

    Directory of Open Access Journals (Sweden)

    Gentiana Sharku

    2011-03-01

    Full Text Available The life insurance sector is an important sector of the economy all over the world. Life insurance provides the economy and the individuals as well, a variety of fundamental financial services.Regardless the importance it has all around the world, life insurance market in Albania is still underdeveloped comparing not only to the Western European countries, but to the region countries as well. The comparative analysis of insurance market is carried out by means of two indexes: insurance density and penetration index. The life insurance market in Albania is facing several problems which will be further explained in the paper, together with some recommendations to be taken in account by Albanian insurance companies and the Albanian government as well.

  1. Insuring catastrophes and the role of governments

    Directory of Open Access Journals (Sweden)

    M. M. Boyer

    2013-08-01

    Full Text Available In this paper we model the cost of providing insurance coverage against natural and man-made hazards. We propose an insurance market model that explains (1 the use of reinsurance to help finance the cost of catastrophic events and (2 the implicit (or explicit presence of government entities acting as (reinsurers of last resort. Using an economic model, we show how insurance programmes should be designed to cover the losses due to a possible catastrophic natural hazard. Our results show that the optimal structure of a reinsurance programme minimizes the cost of offering insurance protection. We also show how government intervention can reduce the cost of insurance against natural catastrophes and increase policyholders' welfare. Our paper therefore offers public policy implications as to the role and presence of government as an insurer of last resort and the minimum insurance premium necessary to cover the cost of catastrophic events.

  2. Insurance: an R-Program to Model Insurance Data

    OpenAIRE

    Marin-Galiano, Marcos; Christmann, Andreas

    2004-01-01

    Data sets from car insurance companies often have a high-dimensional complex dependency structure. The use of classical statistical methods such as generalized linear models or Tweedie?s compound Poisson model can yield problems in this case. Christmann (2004) proposed a general approach to model the pure premium by exploiting characteristic features of such data sets. In this paper we describe a program to use this approach based on a combination of multinomial logistic regression and [epsil...

  3. How molecular motors are arranged on a cargo is important for vesicular transport.

    Directory of Open Access Journals (Sweden)

    Robert P Erickson

    2011-05-01

    Full Text Available The spatial organization of the cell depends upon intracellular trafficking of cargos hauled along microtubules and actin filaments by the molecular motor proteins kinesin, dynein, and myosin. Although much is known about how single motors function, there is significant evidence that cargos in vivo are carried by multiple motors. While some aspects of multiple motor function have received attention, how the cargo itself--and motor organization on the cargo--affects transport has not been considered. To address this, we have developed a three-dimensional Monte Carlo simulation of motors transporting a spherical cargo, subject to thermal fluctuations that produce both rotational and translational diffusion. We found that these fluctuations could exert a load on the motor(s, significantly decreasing the mean travel distance and velocity of large cargos, especially at large viscosities. In addition, the presence of the cargo could dramatically help the motor to bind productively to the microtubule: the relatively slow translational and rotational diffusion of moderately sized cargos gave the motors ample opportunity to bind to a microtubule before the motor/cargo ensemble diffuses out of range of that microtubule. For rapidly diffusing cargos, the probability of their binding to a microtubule was high if there were nearby microtubules that they could easily reach by translational diffusion. Our simulations found that one reason why motors may be approximately 100 nm long is to improve their 'on' rates when attached to comparably sized cargos. Finally, our results suggested that to efficiently regulate the number of active motors, motors should be clustered together rather than spread randomly over the surface of the cargo. While our simulation uses the specific parameters for kinesin, these effects result from generic properties of the motors, cargos, and filaments, so they should apply to other motors as well.

  4. THE IMPACT OF HOME INSURANCE FOR THE PORTFOLIO OF INSURANCE COMPANIES

    Directory of Open Access Journals (Sweden)

    Adriana Elena SIMION (ISTRATE

    2008-01-01

    Full Text Available The insurance domain has a very important status in the globalization context and social trans-formation. Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of potential financial loss.Every year the cost of damages caused by floods and earth flow reminds authorities about a con-troversial motion: mandatory home insuranceIn this paper I will present the mandatory condition of home insurance, work home, protocol home and holiday home of people and firms, also the relation between insurant and insurance com-pany, the rights and obligations of each part involved, licensing of insurance company witch interact and the establishment of the Reinsurance against Disaster Company. To determine the importance of this insurance, a risk analysis fundamentals and a risk financing decisions is needed. For this analyze we must taking in consideration the houses and the possibilities of insurance companies factors.

  5. Final Report, Next-Generation Mega-Voltage Cargo-Imaging System for Cargo Conainer Inspection, March 2007

    Energy Technology Data Exchange (ETDEWEB)

    Dr. James Clayton, Ph.D., Varian Medical Systems-Security & Inspection Products; Dr. Emma Regentova, Ph.D, University of Nevada Las Vegas; Dr. Evangelos Yfantis, Ph.D., University of Nevada, Las Vegas

    2007-03-27

    The UNLV Research Foundation, as the primary award recipient, teamed with Varian Medical Systems-Security & Inspection Products and the University of Nevada Las Vegas (UNLV) for the purpose of conducting research and engineering related to a "next-generation" mega-voltage imaging (MVCI) system for inspection of cargo in large containers. The procurement and build-out of hardware for the MVCI project has been completed. The K-9 linear accelerator and an optimized X-ray detection system capable of efficiently detecting X-rays emitted from the accelerator after they have passed through the device is under test. The Office of Science financial assistance award has made possible the development of a system utilizing a technology which will have a profound positive impact on the security of U.S. seaports. The proposed project will ultimately result in critical research and development advances for the "next-generation" Linatron X-ray accelerator technology, thereby providing a safe, reliable and efficient fixed and mobile cargo inspection system, which will very significantly increase the fraction of cargo containers undergoing reliable inspection as the enter U.S. ports. Both NNSA/NA-22 and the Department of Homeland Security's Domestic Nuclear Detection Office are collaborating with UNLV and its team to make this technology available as soon as possible.

  6. Final Report, Next-Generation Mega-Voltage Cargo-Imaging System for Cargo Container Inspection, March 2007

    International Nuclear Information System (INIS)

    The UNLV Research Foundation, as the primary award recipient, teamed with Varian Medical Systems-Security and Inspection Products and the University of Nevada Las Vegas (UNLV) for the purpose of conducting research and engineering related to a ''next-generation'' mega-voltage imaging (MVCI) system for inspection of cargo in large containers. The procurement and build-out of hardware for the MVCI project has been completed. The K-9 linear accelerator and an optimized X-ray detection system capable of efficiently detecting X-rays emitted from the accelerator after they have passed through the device is under test. The Office of Science financial assistance award has made possible the development of a system utilizing a technology which will have a profound positive impact on the security of U.S. seaports. The proposed project will ultimately result in critical research and development advances for the ''next-generation'' Linatron X-ray accelerator technology, thereby providing a safe, reliable and efficient fixed and mobile cargo inspection system, which will very significantly increase the fraction of cargo containers undergoing reliable inspection as the enter U.S. ports. Both NNSA/NA-22 and the Department of Homeland Security's Domestic Nuclear Detection Office are collaborating with UNLV and its team to make this technology available as soon as possible

  7. Optimal Auditing for Insurance Fraud

    OpenAIRE

    Georges Dionne; Florence Giuliano; Pierre Picard

    2003-01-01

    This article aims at making a bridge between the theory of optimal auditing and current procedures applied to audit files in different markets where scoring is the instrument used to implement an audit strategy. The literature has not yet developed an optimal audit policy for the scoring methodology. Our application is meant for the audit of insurance fraud but can be applied to many other activities that use the scoring approach. On the theoretical side, we show that the optimal auditing str...

  8. Optimal Insurance Under Random Auditing

    OpenAIRE

    Marie-Cécile Fagart; Pierre Picard

    1998-01-01

    We provide a characterization of an optimal insurance contract (coverage schedule and audit policy) when the monitoring procedure is random. When the policyholder exhibits constant absolute risk aversion, the optimal contract involves a positive indemnity payment with a deductible when the magnitude of damages exceeds a threshold. In such a case, marginal damages are fully covered if the claim is verified. Otherwise, there is an additional deductible that disappears when the damages become in...

  9. Economic Valuation Models for Insurers

    OpenAIRE

    David F. Babbel; Craig Merrill

    1997-01-01

    Recently much attention has been given to the approaches insurers undertake in valuing their liabilities and assets. For example, in 1994 the American Academy of Actuaries created a Fair Valuation of Liabilities Task Force to address the issue. In 1997, the Academy established a Valuation Law Task Force and a Valuation Tools Working Group to investigate the various valuation approaches extant and to make recommendations on which models are best suited to the task. Much of the published work h...

  10. Car insurance information management system

    OpenAIRE

    SUN, Yu

    2015-01-01

    A customer information system is a typical information management system. It involves three aspects, the backstage database establishment, the application development and the system maintenance. A car insurance information management system is based on browser/server structure. Microsoft SQL Server establishes the backstage database. Active Server Pages, from Microsoft as well is used as the interface layer. The objective of this thesis was to apply ASP to the dynamic storage of a web page...

  11. Insurance and liquidity : panel evidence

    OpenAIRE

    Shankar, Rashmi

    2005-01-01

    The author presents evidence that balance sheet effects are critical determinants of both the likelihood of a crisis and of income losses following a crisis. She tests the validity of "insurance" and "liquidity" models of currency crisis. Both models predict that the occurrence of a balance of payments crisis is conditional on the health of the nation's accounts in relation to the rest of the world. Problems in the balance sheet either cause a financial crisis that develops into a run on the ...

  12. Earthquake Disaster Management and Insurance

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    As one of the most powerful tools to reduce the earthquake loss, the Earthquake Disaster Management [EDM] and Insurance [EI] have been highlighted and have had a great progress in many countries in recent years. Earthquake disaster management includes a series of contents, such as earthquake hazard and risk analysis, vulnerability analysis of building and infrastructure, earthquake aware training, and building the emergency response system. EI, which has been included in EDM after this practice has been...

  13. Insurance and its forms in the Czech Republic

    OpenAIRE

    Kunešová, Tereza

    2012-01-01

    This diploma thesis characterizes the beginnings of insurance industry and the emergence of insurance industry on the territory of today's Czech Republic. It defines the legal regulation of insurance industry, the meaning of insurance industry for the economy and the fundamental terms in insurance industry. Furthermore, the thesis specifies insurable risk, its division and risk management which are closely related to the insurance sector. Last but not least the thesis characterizes the insura...

  14. REPORTING OF COMMERCIAL INSURANCE COMPANIES: EVIDENCE FROM THE CZECH REPUBLIC

    OpenAIRE

    Jiřina Bošková

    2007-01-01

    The subject of insurance companies is to provide insurance protection based on commercial principles. All changes in the society are directly reflected in the insurance activity. New risks apperar and therfore new insurance products appear as well. The insurance business intervenes into all areas of the economic and social life in the Czech Republic. Insurance companies cannot be treated only as companies offering insurance protection, but also as important investors who, as a result of their...

  15. An Economic Analysis of Compulsory and Voluntary Insurance

    OpenAIRE

    Kazuhiko Sakai; Mahito Okura

    2012-01-01

    This research analyzes an insurance market in which compulsory and voluntary insurance coexist. In particular, we investigate whether compulsory insurance provides an incentive to purchase voluntary insurance. The main conclusions of this article are as follows. When only voluntary insurance exists, we find that (1) an individual has a stronger incentive to purchase insurance when his or her future utility is high, (2) whether an individual’s incentive to purchase insurance becomes stronger w...

  16. Life insurance theory actuarial perspectives

    CERN Document Server

    Vylder, F Etienne

    1997-01-01

    This book is different from all other books on Life Insurance by at least one of the following characteristics 1-4. 1. The treatment of life insurances at three different levels: time-capital, present value and price level. We call time-capital any distribution of a capital over time: (*) is the time-capital with amounts Cl, ~, ... , C at moments Tl, T , ..• , T resp. N 2 N For instance, let (x) be a life at instant 0 with future lifetime X. Then the whole oO oO life insurance A is the time-capital (I,X). The whole life annuity ä is the x x time-capital (1,0) + (1,1) + (1,2) + ... + (I,'X), where 'X is the integer part ofX. The present value at 0 of time-capital (*) is the random variable T1 T TN Cl V + ~ v , + ... + CNV . (**) In particular, the present value ofA 00 and ä 00 is x x 0 0 2 A = ~ and ä = 1 + v + v + ... + v'X resp. x x The price (or premium) of a time-capital is the expectation of its present value. In particular, the price ofA 00 and äx 00 is x 2 A = E(~) and ä = E(I + v + v + ... + v'X...

  17. Interactions between demand for self-insurance and for market insurance

    OpenAIRE

    Piotr Dudziński

    2012-01-01

    This paper considers interactions between demand for market insurance and the level of self-insurance. The concept of self-insurance as an alternative for market insurance was presented by Ehrlich and Becker. Their original model accounts for only two states of the world and suggests that self-insurance and market insurance are substitute goods. This classical view does not extend to the case of many states of the world. In this paper a more general model is described, as under information as...

  18. 《鹿特丹规则》对海上保险及相关法律规则的影响%Impacts of the Rotterdam Rules on the marine insurance and relevant regulations

    Institute of Scientific and Technical Information of China (English)

    胡晓雨

    2011-01-01

    The Rotterdam Rules is, apparently, the process of redistribution of rights and obligations among the shipowners and cargo interests. However, effects of the new convention will ultimately be reflected upon diverse marine insurance relating to carriage of goods by sea, as well as the interest and risk allocation among insurers. This paper studies the influence of the new convention on cargo insurance and carrier's liability insurance from the perspective of insurers.%《鹿特丹规则》的条文变化,表面上看是船方与货方权利与义务的再分配,但最终影响的还是船货双方背后的海上货物运输相关的各种保险,以及保险人之间风险和利益的分配。从保险人角度出发,对货运险和保赔险在新的公约体系下可能受到的影响进行分析,并提出合理建议。

  19. A platform for actively loading cargo RNA to elucidate limiting steps in EV-mediated delivery

    OpenAIRE

    Leonard, Joshua N.; Hung, Michelle E.

    2016-01-01

    Extracellular vesicles (EVs) mediate intercellular communication through transfer of RNA and protein between cells. Thus, understanding how cargo molecules are loaded and delivered by EVs is of central importance for elucidating the biological roles of EVs and developing EV-based therapeutics. While some motifs modulating the loading of biomolecular cargo into EVs have been elucidated, the general rules governing cargo loading and delivery remain poorly understood. To investigate how general ...

  20. Analytical basis of technology asymmetrical allocation of cargo masses common centre in wagons

    Directory of Open Access Journals (Sweden)

    Khabibulla TURANOV

    2009-01-01

    Full Text Available The article gives the account of results of the analytical basis of technology asymmetrical cargo allocation in a wagon during rolling stock movement on track unevenness waves. The finite analytical formulas have been obtained for determination of response of wagon bogie spring sets in case of simultaneous displacement of cargo masses common centre longitudinally and sideways to the wagon, which make it possible to ground the cargo allocation according to admissible value of wagon vertical dynamic addition coefficient.