保险基本原理第 241 / 531 题
In the property and casualty market, Lloyd's is best described as:
a.a rating bureau that files loss costs for its members
b.a large mutual insurer owned by its policyholders
c.a reinsurance pool run by the British government
d.a marketplace in which syndicates of its members accept risk
解析
Lloyd's is not an insurance company but an organized marketplace in which syndicates, backed by their members, underwrite risks brought to them by brokers; the liability sits with the members of each syndicate rather than with Lloyd's itself. It is often used for unusual or hard-to-place exposures. A rating bureau does something different, gathering loss data and filing loss costs that insurers may use.
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