Die Verwaltung der Risiken: die Verwaltung der Risiken und d' nationale Versicherung Strat
April 27, 2010 by Project Manager
Filed under Risk Management
Risk management has been defined as the process of identifying and analyzing loss exposures, evaluating the feasibility of risk management techniques to address the loss exposures, selecting and implementing the best techniques and monitoring results, in such a manner that any organization or governmental entity can meet its objectives—minimization of the adverse effects of accidental losses.
It is indeed a truism that the insurance industry can play a very significant and critical role in a nation’s developmental process. In most developed and developing countries, insurance and risk management measures and practices have and continue to provide the bedrock for a sustained modern socio-economic infrastructure in which development and economic growth have flourished.
In den Vereinigten Staaten von Amerika, zum Beispiel, gesti? ? No Risk and Insurance, keine s? ? Impr. ist? gn? durch alle Facetten der Tätigkeit? ECON? ? Glimmer und sozialen, von der Gesundheitsversorgung? die contrataci? ? Keine Regierung, sondern ist der Motor, INNOVAC fördert? ? n, d? Entwicklungs-, Handels-, Investitions-, Regierungs-und sozialen Wandels.
In the Sierra Leonean situation by contrast, the challenge still remains how insurance professionals and governmental policymakers can creatively utilize enterprise risk management principles and insurance techniques in both the public and private sectors to effectuate the country’s economic development and growth.
Am Trav © s ³ n utilizacià Prinzipien Arbeitgeber gestià ³ n Risiko, Regierungsbehörden und Organisationen bietet es eine Analyse sistema tico für gestià ³ n gründlichen Risikobewertung aus allen Quellen zu gefährden, dass ihre asociacià ³ sind Nr. estrat © IPAC, die Ziele der sozio-ECON ³ MICO und Finanzier.
As a Sierra Leonean insurance professional who over the decades with every major loss either accidental or by design in the country always retorted that insurance would indemnify the losses, whether it was the burning by the rebels of machinery for construction of the Bo/Freetown highway or the destruction of the Sierra Rutile Company’s mining infrastructure, culminating in the recent NACSA and SABABU construction contracts; the realization that our country lacks a national risk management and insurance office designed to ensure that the country recoups indemnification or is held “harmless” in such events is indeed a cause for alarm.
Folglich in diesem Zusammenhang, den wir artikulieren, und indem man die Entwicklung und l' fördert; établissement en $csierra $cleone d' eine nationale Versicherung und das gestiÃbüro von ³ Risikon Strategie, das bestimmt ist, für für:
It is also aimed at initiating and adding a new perspective to the wider debate of how a national insurance and risk management strategy could be utilized in addressing both macro and micro risks and loss exposures inherent in all facets and sectors of the nation’s socio-economic and governance infrastructure.
Für administracià ³ n durch eine Versicherung Profis in den Positionen integriert estrat © gicas sehr wichtig, unter ihnen der Präsident, Minister für auswärtige Angelegenheiten, dem Minister für Arbeit und Soziales und des Ministers für Handel und Industrie, die Notwendigkeit für creacià ³ n einer solchen Versicherung; Bürger Strategie und Gestià ³ n Riesgos “Es muß s Smart Meter und sollte nicht mit Not-cara ct uns ernsthaft überlegen, andere erklärten Ziel an den Präsidenten zu machen” für auf PAAS als negocio “.
The basic law governing the conduct of Insurance in Sierra Leone is the Insurance Act, 2000 which established the Sierra Leone Insurance Commission (SLICOM). Pursuant to section 3(1) of the Act, the commission is charged with ensuring “effective administration, supervision, regulation and monitoring of the business of insurance in Sierra Leone” through the performance and exercise of various statutory functions.
While the Sierra Leone Insurance Commission (SLICOM) and especially the Commissioner has performed a superb job over the years in its regulatory and supervisory functions, the broader insurance industry has however lagged in matching the potentials of its contributions towards national development.
The Act however does not provide for the kind of risk management and insurance oversight envisaged by the establishment of the risk management and insurance office.
Wegen ihrer Unfähigkeit zur Innovation und zur Erhöhung ihrer Kapazitäten und des Marktes zu erreichen über die traditionellen Instrumente konzentrieren sich ausschließlich auf den formellen Sektor, dessen Kunden sind Unternehmen und vermögende Privatpersonen, mit Produkten wie Kfz-Versicherung obligatorisch, auch weiterhin die Industrie Sierra Leone Versicherung an die Nation scheitern.
In conclusion, government contracting personnel make daily business decisions about contract risks, insurance, limits, coverage and evaluation of insurance. Providing them with the appropriate tools and resources to assist in making these business decisions is very important for any nation‘s developmental aspirations.
In addition, Mr. Kamara is a graduate of Fourah Bay College, University of Sierra Leone, 1978-1981; studied Law at both the Univerisity of West Los Angeles School of Law and the California Southern School of Law in Riverside. He is currently a Doctoral Candidate in Insurance and Risk Management.
Through association with Saddleback Re, were he serves as the Regional Manager, Africa Division, Mr. Kamara is intimately involved in the provision of reinsurance coverage, policy design, loss control, training and risk management services to the African Insurance marketplace.
www. saddlebackre. com.
