Loss adjuster in insurance
I. Raeesi Vanani; M. Taghavifard; B. Sohrabi; M. Amirhosseini
D. Seify Ghare Yatagh; V. Hasani; M. Mehdipour
Abstract
The human right to having a healthy environment is considered as one of the most significant human rights mentioned in various international human rights documents. One of the threatening factors of this right is oil pollution which is resulted from oil carried by ships or their fuel. According to the ...
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The human right to having a healthy environment is considered as one of the most significant human rights mentioned in various international human rights documents. One of the threatening factors of this right is oil pollution which is resulted from oil carried by ships or their fuel. According to the conventions regarding the oil pollution, shipowners are liable for oil pollution damages, but in most cases they will face insolvency. The Civil Liability Convention (CLC) and its subsequent amendments and Bunker convention use the compulsory insurance system as a guarantee for compensation of oil pollution damages. In this system, ship-owners are obliged to obtain insurance or other financial guarantee from reputable international insurers. This policy should cover all risks of ship-owners, their agents and brokers. But the damages caused by force majeure, fault and negligence of third party, and intentional damages are not covered. This requirement to obtain an insurance cover or a financial security to enter the territorial waters and exclusive economic zone of a contracting state applies only to vessels with a capacity more than one thousand tons in respect of bunker oil pollution and two thousand tons in respect of oil cargo pollution. Hence this paper attempts to explain the legal aspects of insurance guarantee conditions, risks covered, the insurer's liability and exclusions.
Gh. Mahdavi; J. Alipour
Abstract
One of the factors of insufficient demand for life insurance in the country is the presence of stable inflation, which reduces the purchasing power of life insurance capital. To investigate this issue, 204 questionnaires were distributed among two equal groups of life insurance buyers and those who have ...
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One of the factors of insufficient demand for life insurance in the country is the presence of stable inflation, which reduces the purchasing power of life insurance capital. To investigate this issue, 204 questionnaires were distributed among two equal groups of life insurance buyers and those who have not bought life insurance yet. Statistical tests show that with 99% probability, the hypothesis that the most important factor in the lack of demand for life insurance is inflation is confirmed.In order to eliminate the negative effect of inflation on the demand for life insurance, the solution of providing an optimal monetary basket instead of the Rial amount in the calculation of the insurance capital at the time of death was investigated. To obtain the optimal currency basket, the genetic algorithm method was used, and the optimal weights for the currency units of the basket were Iranian Rial (0.008), Norwegian Krone (0.066), American Dollar (0.522) and Euro (0.404). ) was calculated.
N. Mazloomi; V. Nasehifar; G. Ehsan Far
Abstract
One of the factors influencing creativity and innovation is leadership. Transformational leaders are looking for new ways of doing work, new opportunities and empowering employees to achieve the goals of the organization. The current research was also conducted with the aim of investigating the relationship ...
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One of the factors influencing creativity and innovation is leadership. Transformational leaders are looking for new ways of doing work, new opportunities and empowering employees to achieve the goals of the organization. The current research was also conducted with the aim of investigating the relationship between transformational leadership and organizational creativity and innovation in private insurance companies in Iran. To collect data, two questionnaires were used and sampling was done by stratified random method. In this research, 138 senior managers of private insurance companies were selected as a statistical sample to answer the questions of organizational creativity and innovation questionnaire. A sample of 300 employees also participated in completing the transformational leadership questionnaire. Confirmatory factor analysis (CFA) and structural equation model (SEM) based on Lisrel software were used to evaluate the structural model. According to the results obtained from the hypothesis test, the findings indicate that transformational leadership is related to organizational innovation and the variable of organizational creativity plays a mediating role.
S. Ibrahimpour; A. Hassan Zadeh
Abstract
Reliability theory is a statistical tool for calculating the insurance premium for the next period based on the insured's past experiences. Each contract is characterized by a risk parameter. In this article, we consider a risk parameter for each insured, and by using infinite mixed distributions, a ...
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Reliability theory is a statistical tool for calculating the insurance premium for the next period based on the insured's past experiences. Each contract is characterized by a risk parameter. In this article, we consider a risk parameter for each insured, and by using infinite mixed distributions, a model for calculating the reliability and Bayesian premium, based on the frequency and severity of damages, is examined together. The distribution of the total severity of damages based on frequency will be an infinite mixed distribution. Finally, by considering the prior gamma distribution for the risk parameter, the Bayesian and reliability premium is calculated.
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