Uluhlu luvela kwidatha epapashwe yiNational Association of Arms Commissioners (NAIC) ngo-Matshi ka-2016. I-NAIC imisela imigangatho kwaye inike iingcebiso ezilawulayo kubalawuli be-inshorensi e-US Umbutho ukhona ukususela ngo-1871.
Phakathi kwezinye izinto, i-NAIC idala imithetho yemodeli engathi iyakwamkela, nokuba "njengokuba" okanye ngokuguqulwa. Oku kusindisa ixesha kunye nomzamo, kwaye kunceda ukubeka imilinganiselo yemithetho nemimiselo kwilizwe lonke.
Imarike eyahlukileyo
Abatshorensi abadweliswe ngezantsi bamele imarike eyahlukeneyo ye- inshurensi yembuyekezo yomshuwalense . Olu luhlu lubandakanya abaqhagamshelana nabaninzi bee-line-line, abancinci bee-insuredrs ezincinci, kunye neengxowa-mali ze-inshurensi zelizwe. Imizekelo yabaxhasi bakhulu abahambahambayo, iHartford, i-AIG neZurich. Lawa awona ma- inshorensi amakhulu kunawo onke ase-US Ahlinzeka ngeentlobo ezahlukeneyo zee-inshorensi, kungekhona nje ukuhlawulwa kwabasebenzi. Abaninzi bathengisa iinshurensi ngamagosa azimele
I-AmTrust, eyona nombolo eluhlu, ixhomekeke kwimbuyekezo yemisebenzi kunye nemigaqo yepakethi yeenkampani ezincinci ukuya kwinqanaba eliphakathi. Isekelwe kwisixeko saseNew York, kwaye isebenza ngaphesheya kwe-US
Abambalwa bango-inshorensi abalukhankanywe apha ngezantsi ngaba iingcali zembuyekezo zengcebiso.
Imizekelo yabaSebenzi yomshuwalense kunye ne-Texas Mutual. Aba bhokrisi banikezela ngenkonzo yokuhlawula isinxephezelo kuphela. Ababoneleli naluphi na uhlobo lomshuwalense. Abaqeshi ba-Intshurensi basebenza malunga neyesibini kubathathu bamazwe kwaye bajolise kumashishini amancinci. I-Texas Mutual ithengisa iinkqubo kubaqeshi baseTexas kuphela.
Kwakudala njengesikhwama se-inshurensi yombuso. Nangona kunjalo, ngoku isebenza njengomshwalense ohlangeneyo okhuphisana neenkampani zomshuwalense wabucala.
Ngokuthakazelisayo, abathathu batshorensi kwi-25 uluhlu oluphezulu luyimali yomshuwalense kaRhulumente. Ezi ziquka iNgxowa-mali yeNew York, iNgxowa-mali yeNkxaso-mali ka-California, kunye ne-SAIF (i-fund ye-Oregon yesikolo). Bonke bayazincedisa iinkampani ezingenasenzuzo ezikhuphisana nezoshishino nabanini-mshishino bangebucala kwiimarike eziqhelekileyo. Bobabini i-New York neCalifornia imali ibuye isebenze isicwangciso sobungozi esinikwe ngumbuso.
Phezulu 25
Iipriyamu eziboniswe kwitheyibhile apha ngezantsi zibhalwe zi-premium ezibhalwe phantsi . Eli gama lithetha zonke iiproyamu zepolisi eziqokelelwa ngumshwalense ngaphandle kweeprisimenti ezihlawulwe kwiinkampani zokuqinisekisa ukufumana inkxaso-mali. Iimbuyekezo zeempesimali zokuhlawula i-premium ziyakwazi ukuguquka unyaka nonyaka. Ezinye iinguqu zinokuba ngamabomu. Ngokomzekelo, bobabini i-AIG kunye no-Liberty Mutual baye bafumana ukuyeka okukhulu kwiimbuyekezo zeempesimali zemisebenzi kwiminyaka yamuva. Zombini iinkampani zitsho ukuba ukuhla kwehla kwaba nenjongo, kwaye kubonakalisa isigqibo sabo sokuphuma kwishishini elingenzi nzuzo.
Enye inkampani eye yalala kwiphakamiso ephezulu ye-ACE. Ngo-2016, i-ACE ithenge iChubb, kunye nenkampani edibeneyo isebenzisa igama leChubb.
Amacandelo eCudb Ltd. kunye neChubb Insurance Group avela kwoluhlu olungezantsi. Iqela leChubb Ltd. yinkampani yomzali yeChubb Insurance Group.
| Uhlu | Umshurensi | 2015 Premium (MM) | 2015 Yabelana ngeNtengiso |
| 1 | Iqela labahambi | 4,467 | 7.81 |
| 2 | IHartford Group | 3,324 | 5.81 |
| 3 | Zurich Ins. Iqela | 2,859 | 5.00 |
| 4 | AmTrust Group | 2,744 | 4.8 |
| 5 | AIG | 2,559 | 4.48 |
| 6 | EBerkshire Hathaway | 2,482 | 4.34 |
| 7 | Libutho loLuntu | 2,481 | 4.34 |
| 8 | I-State Ins. Fund ye NY | 2,437 | 4.26 |
| 9 | Inkcazo kaRhulumente. Fund ye CA | 1,638 | 2.87 |
| 10 | Iqela leRiphabhuliki yaseNdala | 1,444 | 2.53 |
| 11 | WR Berkley Group | 1,394 | 2.44 |
| 12 | I-American Financial Group | 1,314 | 2.3 |
| 13 | I-Chubb Ins. Iqela | 1,244 | 2.18 |
| 14 | Iqela leChubb Ltd. | 1,192 | 2.09 |
| 15 | BCBS ye-MI Group | 1,139 | 1.99 |
| 16 | Texas Mutual Ins. Co. | 1,087 | 1.90 |
| 17 | Iqela leMali leFafax | 905 | 1.58 |
| 18 | Iqela leMpahla yeMelika | 822 | 1.44 |
| 19 | CNA Ins. Iqela | 729 | 1.27 |
| 20 | Abaqeshi Abaxhasi beqela | 684 | 1.2 |
| 21 | Inkxaso yePinacac | 633 | 1.11 |
| 22 | NJ Manufacturers Group | 509 | .89 |
| 23 | KwiSizwe soNyaka seCorp | 506 | .89 |
| 24 | I-Insry Ins. Iqela | 476 | .83 |
| 25 | SAIF Corp. | 469 | .82 |
| Shishino lilonke | 57,197 | 100 |