公开(公告)号：US5873066A

公开(公告)日：1999-02-16

申请号：US796465

申请日：1997-02-10

申请人： Robert B. Underwood ,  William F. Wall ,  John R. Platt ,  Patricia A. Bens ,  Richard Dely ,  Michael Grady ,  Jerry Flynn

发明人： Robert B. Underwood ,  William F. Wall ,  John R. Platt ,  Patricia A. Bens ,  Richard Dely ,  Michael Grady ,  Jerry Flynn

IPC分类号： G06Q50/22 ,  G06F17/60 ,  G06F157/00

CPC分类号： G06Q40/02 ,  G06Q40/08 ,  G06Q50/22

摘要： A computer-implemented system for managing the underwriting, quoting and binding by an insurance company of an excess casualty insurance policy for an insured having a primary insurance policy with a primary insurance limit amount. The system selects and stores at least one standard industrial classification code ("SIC code") associated with the insured and a primary carrier name or multiple carriers associated with the primary insurance policy. A plurality of SIC code records corresponding to a plurality of SIC codes are stored in a database. Each of the SIC code records are linked to underwriting guidelines established and filed by the insurance carrier. These criteria include guidelines related to minimum premiums, hazard rating, underwriting authority, and referral criteria. Primary insurance carrier public bureau rating records are also stored in the database. Each of the primary insurance carrier public bureau rating records includes a field for storing a rating code representing a financial stability rating associated with a primary insurance carrier. The system displays for the insurance carrier underwriter a plurality of candidate risk modifiers associated with the retrieved SIC code record, and for documenting and storing a selected risk modifier code and related underwriting criteria associated with the policy. The system develops the quotation using a detailed description of the insured's operation, the minimum premium amount information, the selected hazard code, the selected risk modifier code, primary insurance limits, and one or more attachment points.

摘要翻译： 一种计算机实施的系统，用于管理保险公司对具有主要保险限额金额的主要保险单的被保险人的超额伤亡保险的承保，引用和约束。 系统选择并存储与被保险人相关联的至少一个标准工业分类代码（“SIC代码”）和与主要保险单相关联的主要运营商名称或多个运营商。 与多个SIC码对应的多个SIC代码记录被存储在数据库中。 每个SIC代码记录都与保险公司建立和提交的承保指南相关联。 这些标准包括与最低保费，危险等级，承保权和转介标准相关的准则。 主要保险公司公共局评级记录也存储在数据库中。 主要保险公司公共局评级记录中的每一个包括用于存储代表与主要保险运营商相关联的金融稳定性评级的评级代码的字段。 该系统向保险承运人承保商显示与所检索的SIC代码记录相关联的多个候选风险修改器，以及用于记录和存储所选择的风险修改码和与该策略相关联的相关承保准则。 该系统使用对被保险人的操作，最低保费金额信息，所选危险代码，所选风险修改码，初级保险限额和一个或多个附加点的详细描述开发报价。