Mittwoch, 31. Oktober 2012

AMB Video Player (Hidden Playlist)

AMB Video Player (Hidden Playlist)

V Insure - Insurance News - Sandy Losses in U.S. Might Reach $15 Billion, AIR Worldwide Says

V Insure - Insurance News - Sandy Losses in U.S. Might Reach $15 Billion, AIR Worldwide Says

Getting Quality And Affordable Health Insurance - Just another All New Site - All New Site

Getting Quality And Affordable Health Insurance - Just another All New Site - All New Site

US-States/Territories

US-States/Territories

Press Gaggle by Press Secretary Jay Carney aboard Air Force One en route New Jersey, 10/31/2012 | The White House

Press Gaggle by Press Secretary Jay Carney aboard Air Force One en route New Jersey, 10/31/2012 | The White House

Getting Quality And Affordable Health Insurance - Just another All New Site - All New Site

Getting Quality And Affordable Health Insurance - Just another All New Site - All New Site

AARP Level Benefit Term Life Insurance from New York Life

AARP Level Benefit Term Life Insurance from New York Life

Mitt Romney: Out of Touch

Washington: How to Help the Survivors of Hurricane Sandy in USA | The White House


President Barack Obama delivers remarks during his visit to the Disaster Operation Center at the Red Cross national headquarters in Washington, D.C., Oct. 30, 2012. (Official White House Photo by Pete Souza)

The National Guard - Hurricane Season 2012 operations

The National Guard - Hurricane Season 2012 operations

Executive Order from US-President Obama : Establishing the White House Homeland Security Partnership Council | The White House





The White House
Office of the Press Secretary

Executive Order -- Establishing the White House Homeland Security Partnership Council


EXECUTIVE ORDER
- - - - - - -
ESTABLISHING THE WHITE HOUSE
HOMELAND SECURITY PARTNERSHIP COUNCIL
 
 
By the authority vested in me as President by the Constitution and the laws of the United States of America, and in order to advance the Federal Government's use of local partnerships to address homeland security challenges, it is hereby ordered as follows:
 
Section 1. Policy. The purpose of this order is to maximize the Federal Government's ability to develop local partnerships in the United States to support homeland security priorities. Partnerships are collaborative working relationships in which the goals, structure, and roles and responsibilities of the relationships are mutually determined. Collaboration enables the Federal Government and its partners to use resources more efficiently, build on one another's expertise, drive innovation, engage in collective action, broaden investments to achieve shared goals, and improve performance. Partnerships enhance our ability to address homeland security priorities, from responding to natural disasters to preventing terrorism, by utilizing diverse perspectives, skills, tools, and resources.
 
The National Security Strategy emphasizes the importance of partnerships, underscoring that to keep our Nation safe "we must tap the ingenuity outside government through strategic partnerships with the private sector, nongovernmental organizations, foundations, and community-based organizations. Such partnerships are critical to U.S. success at home and abroad, and we will support them through enhanced opportunities for engagement, coordination, transparency, and information sharing." This approach recognizes that, given the complexities and range of challenges, we must institutionalize an all-of-Nation effort to address the evolving threats to the United States.
 
Sec. 2. White House Homeland Security Partnership Council and Steering Committee.
 
(a) White House Homeland Security Partnership Council. There is established a White House Homeland Security Partnership Council (Council) to foster local partnerships -- between the Federal Government and the private sector, nongovernmental organizations, foundations, community-based organizations, and State, local, tribal, and territorial government and law enforcement -- to address homeland security challenges. The Council shall be chaired by the Assistant to the President for Homeland Security and Counterterrorism (Chair), or a designee from the National Security Staff.
 
(b) Council Membership.
 
(i) Pursuant to the nomination process established in subsection (b)(ii) of this section, the Council shall be composed of Federal officials who are from field offices of the executive departments, agencies, and bureaus (agencies) that are members of the Steering Committee established in subsection (c) of this section, and who have demonstrated an ability to develop, sustain, and institutionalize local partnerships to address policy priorities.
 
(ii) The nomination process and selection criteria for members of the Council shall be established by the Steering Committee. Based on those criteria, agency heads may select and present to the Steering Committee their nominee or nominees to represent them on the Council. The Steering Committee shall consider all of the nominees and decide by consensus which of the nominees shall participate on the Council. Each member agency on the Steering Committee, with the exception of the Office of the Director of National Intelligence, may have at least one representative on the Council.
 
(c) Steering Committee. There is also established a Steering Committee, chaired by the Chair of the Council, to provide guidance to the Council and perform other functions as set forth in this order. The Steering Committee shall include a representative at the Deputy agency head level, or that representative's designee, from the following agencies:
 
(i) Department of State;
 
(ii) Department of the Treasury;
 
(iii) Department of Defense;
 
(iv) Department of Justice;
 
(v) Department of the Interior;
 
(vi) Department of Agriculture;
 
(vii) Department of Commerce;
 
(viii) Department of Labor;
 
(ix) Department of Health and Human Services;
 
(x) Department of Housing and Urban Development;
 
(xi) Department of Transportation;
 
(xii) Department of Energy;
 
(xiii) Department of Education;
 
(xiv) Department of Veterans Affairs;
 
(xv) Department of Homeland Security;
 
(xvi) Office of the Director of National Intelligence;
 
(xvii) Environmental Protection Agency;
 
(xviii) Small Business Administration; and
 
(xix) Federal Bureau of Investigation.
 
At the invitation of the Chair, representatives of agencies not listed in subsection (c) of this section or other executive branch entities may attend and participate in Steering Committee meetings as appropriate.
 
(d) Administration. The Chair or a designee shall convene meetings of the Council and Steering Committee, determine their agendas, and coordinate their work. The Council may establish subgroups consisting exclusively of Council members or their designees, as appropriate.
 
Sec. 3. Mission and Function of the Council and Steering Committee. (a) The Council shall, consistent with guidance from the Steering Committee:
 
(i) advise the Chair and Steering Committee members on priorities, challenges, and opportunities for local partnerships to support homeland security priorities, as well as regularly report to the Steering Committee on the Council's efforts;
 
(ii) promote homeland security priorities and opportunities for collaboration between Federal Government field offices and State, local, tribal, and territorial stakeholders;
 
(iii) advise and confer with State, local, tribal, and territorial stakeholders and agencies interested in expanding or building local homeland security partnerships;
 
(iv) raise awareness of local partnership best practices that can support homeland security priorities;
 
(v) as appropriate, conduct outreach to representatives of the private sector, nongovernmental organizations, foundations, community-based organizations, and State, local, tribal, and territorial government and law enforcement entities with relevant expertise for local homeland security partnerships, and collaborate with other Federal Government bodies; and
 
(vi) convene an annual meeting to exchange key findings, progress, and best practices.
 
(b) The Steering Committee shall:
 
(i) determine the scope of issue areas the Council will address and its operating protocols, in consultation with the Office of Management and Budget;
 
(ii) establish the nomination process and selection criteria for members of the Council as set forth in section 2(b)(ii) of this order;
 
(iii) provide guidance to the Council on the activities set forth in subsection (a) of this section; and
 
(iv) within 1 year of the selection of the Council members, and annually thereafter, provide a report on the work of the Council to the President through the Chair.
 
Sec. 4. General Provisions. (a) The heads of agencies participating in the Steering Committee shall assist and provide information to the Council, consistent with applicable law, as may be necessary to implement this order. Each agency shall bear its own expense for participating in the Council.
 
(b) Nothing in this order shall be construed to impair or otherwise affect:
 
(i) the authority granted by law to an executive department, agency, or the head thereof;
 
(ii) the functions of the Director of the Office of Management and Budget relating to budgetary, administrative, or legislative proposals; or
 
(iii) the functions of the Overseas Security Advisory Council.
 
(c) This order shall be implemented consistent with applicable law and appropriate protections for privacy and civil liberties, and subject to the availability of appropriations.
 
(d) This order is not intended to, and does not, create any right or benefit, substantive or procedural, enforceable at law or in equity by any party against the United States, its departments, agencies, or entities, its officers, employees, or agents, or any other person.
 
BARACK OBAMA
 
THE WHITE HOUSE,
October 26, 2012.



Speech from US-President Obama at the American Red Cross after hurricane Sandy | The White House

Remarks by the President at the American Red Cross | The White House



The White House
Office of the Press Secretary
For Immediate Release
October 30, 2012

Remarks by the President at the American Red Cross

Washington, D.C.
2:18 P.M. EDT
THE PRESIDENT:  First of all, I want to thank Gail and Charlie who are on the scene doing work every time we have a disaster here in the United States of America.  But obviously, the Red Cross is doing outstanding work internationally, so we want to thank them for their outstanding work.
A few things that I want to emphasize to the public at the top.  This storm is not yet over.  We’ve gotten briefings from the National Hurricane Center.  It is still moving north.  There are still communities that could be affected.  And so I want to emphasize there are still risks of flooding, there are still risks of down power lines, risks of high winds.  And so it is very important for the public to continue to monitor the situation in your local community, listen to your state and local officials, follow instructions.  The more you follow instructions, the easier it is for our first responders to make sure that they are dealing with true emergency situations.  So the better prepared individual families are for the situation, the easier it is going to be for us to deal with it.
Next, obviously, I want to talk about the extraordinary hardship that we’ve seen over the last 48 hours.  Our thoughts and prayers go out to all the families who have lost loved ones.  Unfortunately, there have been fatalities as a consequence of Hurricane Sandy, and it’s not clear that we’ve counted up all the fatalities at this point.  And obviously, this is something that is heartbreaking for the entire nation.  And we certainly feel profoundly for all the families whose lives have been upended and are going to be going through some very tough times over the next several days and perhaps several weeks and months.
The most important message I have for them is that America is with you.  We are standing behind you, and we are going to do everything we can to help you get back on your feet.
Earlier today I had a conversation with the governors and many of the mayors in the affected areas, including Governor Christie, Governor Cuomo, and Mayor Bloomberg.  I want to praise them for the extraordinary work that they have done.  Sadly, we are getting more experience with these kinds of big impact storms along the East Coast, and the preparation shows.  Were it not for the outstanding work that they and their teams have already done and will continue to do in the affected regions, we could have seen more deaths and more property damage.  So they have done extraordinary work working around the clock.  The coordination between the state, local, and federal governments has been outstanding.
Obviously, we’re now moving into the recovery phase in a lot of the most severely affected areas.  New Jersey, New York in particular have been pounded by this storm.  Connecticut has taken a big hit.  Because of some of the work that had been done ahead of time, we’ve been able to get over a thousand FEMA officials in place, pre-positioned.  We’ve been able to get supplies, food, medicine, water, emergency generators to ensure that hospitals and law enforcement offices are able to stay up and running as they are out there responding.
We are going to continue to push as hard as we can to make sure that power is up throughout the region.  And obviously, this is mostly a local responsibility, and the private utilities are going to have to lean forward, but we are doing everything we can to provide them additional resources so that we can expedite getting power up and running in many of these communities.
There are places like Newark, New Jersey, for example, where you’ve got 80, 90 percent of the people without power.  We can't have a situation where that lasts for days on end.  And so my instructions to the federal agency has been, do not figure out why we can't do something; I want you to figure out how we do something.  I want you to cut through red tape.  I want you to cut through bureaucracy.  There’s no excuse for inaction at this point.  I want every agency to lean forward and to make sure that we are getting the resources where they need -- where they're needed as quickly as possible.
So I want to repeat -- my message to the federal government:  No bureaucracy, no red tape.  Get resources where they're needed as fast as possible, as hard as possible, and for the duration, because the recovery process obviously in a place like New Jersey is going to take a significant amount of time.  The recovery process in a lower Manhattan is going to take a lot of time.
And part of what we’re trying to do here is also to see where are some resources that can be brought to bear that maybe traditionally are not used in these kind of disaster situations.  For example, there may be military assets that allow us to help move equipment to ensure that pumping and getting the flooding out of New York subway systems can proceed more quickly.  There may be resources that we can bring to bear to help some of the private utilities get their personnel and their equipment in place more swiftly so that we can get power up and running as soon as possible.
So my message to the governors and the mayors and, through them, to the communities that have been hit so hard is that we are going to do everything we can to get resources to you and make sure that any unmet need that is identified, we are responding to it as quickly as possible.  And I told the mayors and the governors if they're getting no for an answer somewhere in the federal government, they can call me personally at the White House.
Now, obviously, the state, local, federal response is important, but what we do as a community, what we do as neighbors and as fellow citizens is equally important.  So a couple of things that I want the public to know they can do.
First of all, because our local law enforcement, our first responders are being swamped, to the extent that everybody can be out there looking out for their neighbors, especially older folks, I think that's really important.  If you’ve got a neighbor nearby, you’re not sure how they're handling a power outage, flooding, et cetera, go over, visit them, knock on their door, make sure that they're doing okay.  That can make a big difference.  The public can be the eyes and ears in terms of identifying unmet needs.
Second thing, the reason we’re here is because the Red Cross knows what it’s doing when it comes to emergency response.  And so for people all across the country who have not been affected, now is the time to show the kind of generosity that makes America the greatest nation on Earth.  And a good place to express that generosity is by contributing to the Red Cross.
Obviously, you can go on their website.  The Red Cross knows what they're doing.  They're in close contact with federal, state, and local officials.  They will make sure that we get the resources to those families as swiftly as possible.  And again, I want to thank everybody here who is doing such a great job when it comes to the disaster response.
The final message I’d just say is during the darkness of the storm, I think we also saw what’s brightest in America.  I think all of us obviously have been shocked by the force of Mother Nature as we watch it on television.  At the same time, we’ve also seen nurses at NYU Hospital carrying fragile newborns to safety.  We’ve seen incredibly brave firefighters in Queens, waist-deep in water, battling infernos and rescuing people in boats.
One of my favorite stories is down in North Carolina, the Coast Guard going out to save a sinking ship.  They sent a rescue swimmer out, and the rescue swimmer said, “Hi, I’m Dan.  I understand you guys need a ride.”  That kind of spirit of resilience and strength, but most importantly looking out for one another, that's why we always bounce back from these kinds of disasters.
This is a tough time for a lot of people -- millions of folks all across the Eastern Seaboard.  But America is tougher, and we’re tougher because we pull together.  We leave nobody behind.  We make sure that we respond as a nation and remind ourselves that whenever an American is in need, all of us stand together to make sure that we’re providing the help that's necessary.
So I just want to thank the incredible response that we’ve already seen, but I do want to remind people this is going to take some time.  It is not going to be easy for a lot of these communities to recovery swiftly, and so it’s going to be important that we sustain that spirit of resilience, that we continue to be good neighbors for the duration until everybody is back on their feet.
Thank you very much, everybody.  Thank you, Red Cross.  (Applause.)
END
2:28 P.M. EDT

Forward? The US presidential elections 2012

Video : US-President Obama at Red Cross USA after hurricane Sandy in USA

Dienstag, 30. Oktober 2012

Flood App

George Clooney's "Monuments Men" (2013) First Look! ENTV

Hartwig: Insurers Financially Prepared for Sandy Claims | PropertyCasualty360

Hartwig: Insurers Financially Prepared for Sandy Claims | PropertyCasualty360

supply chain emergency risk zurich breitkreitz mishall storm

supply chain emergency risk zurich breitkreitz mishall storm

Windstorm - Homepage

Windstorm - Homepage

Zurich - Healthcare

Zurich - Healthcare

NASA - Hurricane Sandy (Atlantic Ocean). NASA Hurrikan Sandy in den USA

Montag, 29. Oktober 2012

Catastrophe Preparation and Claim Information - Allstate

Catastrophe Preparation and Claim Information - Allstate

Allstate Insurance - My Account Login

Allstate Insurance - My Account Login

US-Präsident Barack Obama zum Hurrikan Sandy in den USA President Obama ...

Stephanie Cutter: "Des Moines Register endorsement not based 'in reality...

Des Moines, Iowa - Wikipedia, the free encyclopedia

Des Moines, Iowa - Wikipedia, the free encyclopedia

Des Moines – Wikipedia

Des Moines – Wikipedia

Sonntag, 28. Oktober 2012

Defense.gov: US-Defense Secretary Leon E. Panetta Appoints 'Dual' Commanders for Hurricane Relief Sandy


American Forces Press Service


WASHINGTON, Oct. 28, 2012 - US-Defense Secretary Leon E. Panetta has appointed "dual status" commanders - those authorized to command both federal and state National Guard forces - in preparation for Hurricane Sandy.

As federal and state officials prepare for Sandy to make landfall between the Delaware and New York coasts tomorrow, Panetta agreed with the governors of several northeast coastal states to appoint the commanders "with the goal of helping to save lives and property during the storm," a Pentagon spokesman said in a press release issued yesterday.

"This special authority enables [the commanders] to effectively integrate the defense support operations and capabilities that governors request," the official said. Panetta made the appointments at the request of the governors of Maryland, New Hampshire, New York, New Jersey, Massachusetts and Rhode Island, he said.

"The secretary is prepared to quickly agree to similar requests from other states," he said.

The dual-status commander concept was created in 2009 and the first commander designees were appointed in August 2011 to prepare for Hurricane Irene, according to a Pentagon press release then.

DOD also is supporting Hurricane Sandy preparedness with its U.S. Northern Command, which has put aviation assets such as light- and medium-lift helicopters and rescue teams on 24-hour status to prepare to deploy in response to the storm, the release says. Northcom also is providing military installations for the Federal Emergency Management Agency to use in its response operations, it says.

The National Guard Bureau is coordinating with the adjutants general and their disaster response teams in every East Coast state, the release says.













 

Samstag, 27. Oktober 2012

BMELV - Finanzen und Versicherungen - Reform der Finanzaufsicht rückt Verbraucherschutz stärker in den Fokus



Reform der Finanzaufsicht rückt Verbraucherschutz stärker in den Fokus

Die deutsche Finanzaufsicht wird künftig gestärkt und soll nicht nur auf die Stabilität der Finanzmärkte achten, sondern künftig auch Verbraucherfragen stärker berücksichtigen. Am 25. Oktober 2012 hat der Deutsche Bundestag das Gesetz zur Stärkung der deutschen Finanzaufsicht beschlossen.


"Das Gesetz schafft die Grundlagen dafür, dass der Verbraucherschutz stärker in den Fokus der Finanzaufsicht rückt. Ein gesetzliches Beschwerdeverfahren und der neue Verbraucherbeirat sind wichtige Instrumente, um Defiziten aus Verbrauchersicht besser nachgehen zu können. Schritt für Schritt stärkt die Koalition damit den Verbraucherschutz bei den Finanzdienstleistungen", sagte Bundesverbraucherschutzministerin Ilse Aigner am 25. Oktober 2012 in Berlin.

Gesetzliches Beschwerdeverfahren und Beirat für Verbraucher

Mit dem Gesetz wird ein gesetzliches Beschwerdeverfahren für Verbraucher und Verbraucherverbände bei der Bundesanstalt geschaffen. Damit wird die Möglichkeit von Verbrauchern und Verbraucherverbänden, sich mit einer Beschwerde an die Bundesanstalt für Finanzdienstleistungen (BaFin) zu wenden, auf eine gesetzliche Grundlage gestellt. Darüber hinaus erhalten Verbraucher ein eigenes Gremium, den Verbraucherbeirat. Neben Vertretern von Verbraucher- und Anlegerschutzorganisationen wird in diesem Gremium auch das Bundesverbraucherministerium einen Sitz und eine Stimme haben. Außerdem wird das Verbraucherministerium erstmals auch im Verwaltungsrat der BaFin vertreten sein. 
Mit der Reform der Finanzaufsicht wird klargestellt, dass die BaFin auch im sogenannten "kollektiven Verbraucherinteresse" tätig wird. Dies ist dann der Fall, wenn ein Unternehmen gegen Verbraucher schützende Rechtsvorschriften verstößt und dieser Verstoß in seinem Gewicht und seiner Bedeutung über den Einzelfall hinausreicht. Die Verfolgung individueller rechtlicher Interessen bleibt hingegen weiterhin Aufgabe der Zivilgerichte.

Bundesverbraucherministerin Aigner stellte fest: "Mit dieser Reform werden die Belange der Verbraucher noch besser Gehör finden. Sie ist ein weiterer wichtiger Baustein zur Stabilisierung der Finanzmärkte und ergänzt die Qualitätsoffensive Verbraucherfinanzen, die bereits erhebliche Fortschritte beim Verbraucherschutz erzielt hat."

Dazu gehören insbesondere die Einführung der Beratungsdokumentation bei der Anlageberatung, die Einführung des Produktinformationsblattes, die Regulierung des grauen Kapitalmarktes und die Stärkung der Stiftung Warentest im Bereich der Finanzprodukte mit zusätzlich jährlich 1,5 Millionen Euro. 

62 Billion Reasons Insurance Companies Are Attacking Consumer Watchdog | Consumer Watchdog

62 Billion Reasons Insurance Companies Are Attacking Consumer Watchdog | Consumer Watchdog

Interactive: Spinning America's economy - US 2012 - Al Jazeera English

Interactive: Spinning America's economy - US 2012 - Al Jazeera English

US-Elections: Early voting in the USA - Vote Early in America

US-Elections: Early voting in the USA - Vote Early in America

 

 

If you are planning to vote early, I suggest you watch this short video showing how to operate eSlate electronic voting system.


If you have a question about the voting machine while voting, be sure to get the attention of a pollworker before your ballot is cast.

Review the summary screens before casting your ballot to make certain your ballot is marked as you intended.

Once the ballot is cast, it cannot be retrieved or re-voted.


Wenn Sie planen, jetzt schon in den USA zu wählen, empfehle ich Ihnen dieses kurze Video anzusehen.

Es zeigt Ihnen, wie Sie in das elektronische Abstimmungssystem eSlate für Ihre Wahl nutzen können.

Hier ein Beispiel aus Texas in den USA:

http://www.tarrantcounty.com/evote/site/default.asp

http://www.votexas.org/

Read here more about "Early voting" from Wikipedia, the free encyclopedia" here:

http://en.wikipedia.org/wiki/Early_voting

Übersetzung mit Hilfe von: leo.org

http://www.leo.org/

Samstag, 20. Oktober 2012

US- President Barack Obama: "Mitt Romney Won't Stand Up for Women's Health and Economic Security"




US-President Barack Obama: "Mitt Romney Won't Stand Up for Women's Health and Economic Security" 


On October 18, 2012 President Barack Obama said at a Campaign Event in Manchester, NH:

“And when these young women graduate, I want them to receive equal pay for equal work. 
 (Applause.) 

I don’t know why this is so complicated.  (Laughter.) 

Governor Romney still won’t say whether or not he supported a law to protect that right, no matter how many times he’s asked.  This is not -- this is not that hard.  I’ve got two daughters.  I want to make sure they get paid the same as somebody’s sons for doing the same job.  (Applause.)  Pretty straightforward. 

Any confusion there?

AUDIENCE:  No!

THE PRESIDENT:  You know where I stand.  Look, the Lilly Ledbetter Fair Pay Act, this was the first bill I signed into law.  (Applause.) 

And I know you want the same thing for your daughters, or sisters, or moms, or grandmas as I do.  (Applause.)

And this is not -- as I said in the debate, this is not just a women’s issue, this is a family issue, this is an economic issue. 

I also believe women should make their own health care decisions.  (Applause.) 

I know you’ve got -- and it’s not just Washington that sometimes deals with this issue. 

You’ve got a state legislature up here that sometimes acts like it knows better than women when it comes to women’s own health care decisions. 

My opponent has got the same approach.  Governor Romney said he’d end funding for Planned Parenthood, despite all the work it does to provide women with mammograms and breast cancer screenings.

AUDIENCE:  Vote!

THE PRESIDENT:  Vote!

AUDIENCE:  Vote!  Vote!  Vote!  Vote!

THE PRESIDENT:  All right, you guys are getting it.  You guys are getting it.  (Laughter.) 

We made sure that insurance companies are providing women with contraception. 

He supported legislation that would turn those decisions over to a woman's employer. 

Think about that.  Do you think, like, your boss, or your insurance company, or some politician in Concord or Washington should get control of your health care choices? 

AUDIENCE:  No!

THE PRESIDENT:  The health care law we passed puts those choices in your hands where they belong. 

That’s where they're going to stay as long as I'm President of the United States, as long -- (applause) -- as long as you vote. 

AUDIENCE:  Vote!  Vote!  Vote!

See the video to “President Obama: Mitt RomneyWon't Stand Up for Women's Health and Economic Security” here:  

 

http://www.youtube.com/watch?v=w2Jn3INYwOw&feature=youtu.be

 

Read the full speech from US-President Barack Obama at the Campaign Event in Manchester,NH here:

 

http://www.whitehouse.gov/the-press-office/2012/10/18/remarks-president-campaign-event-manchester-nh

 

 

Student Medical Insurance, International Student Health Insurance

Student Medical Insurance, International Student Health Insurance

Liaison Travel Medical Insurance for USA Visitors and International Travelers

Liaison Travel Medical Insurance for USA Visitors and International Travelers

US-President Obama: Congress Should Join the President to Help Responsib...

Patriot America Insurance, Visitor Medical Insurance for USA Visitors and Travelers

Patriot America Insurance, Visitor Medical Insurance for USA Visitors and Travelers

Atlas America Insurance, Visitor Medical Insurance for USA Visitors and Travelers

Atlas America Insurance, Visitor Medical Insurance for USA Visitors and Travelers

NAIFA - National Association of Insurance and Financial Advisors

NAIFA - National Association of Insurance and Financial Advisors

USA Visitor Insurance Coverage - Visitor Medical Insurance

USA Visitor Insurance Coverage - Visitor Medical Insurance

Health Care Reform: Large Employers and the New Health Insurance Exchanges | Venable LLP - JDSupra

Health Care Reform: Large Employers and the New Health Insurance Exchanges | Venable LLP - JDSupra

V Insure - Insurance News, Insurance Blogs

V Insure - Insurance News, Insurance Blogs

V Insure - About V Insure

V Insure - About V Insure

V Insure - Accident Health Insurance - Health Care Reform: Large Employers and the New Health Insurance Exchanges

V Insure - Accident Health Insurance - Health Care Reform: Large Employers and the New Health Insurance Exchanges

Health Reform in Action | The White House

Health Reform in Action | The White House

US-First Lady Michelle Obama: It Takes One

Mittwoch, 17. Oktober 2012

Sigma-Studie von Swiss Re zeigt, dass bei Gewerbeversicherungen ein Trend zu Haftpflichtrisiken und wachstumsstarken Märkten besteht




Gewerbeversicherung weist ein globales Marktvolumen von 600 Mrd. USD auf, wovon 40% auf die USA entfallen

In reifen, sich schnell wandelnden Volkswirtschaften gewinnt die Haftpflicht- gegenüber der Sachversicherung an Bedeutung
Durch Globalisierung steigt das Risiko von Rückwirkungs-schäden, die aber nur selten versichert sind

In wachstumsstarken Märkten wächst die Gewerbeversicherung zwei- bis dreimal schneller als in den entwickelten Märkten

Zürich, 17. Oktober 2012 — Swiss Re vermittelt in ihrer jüngsten sigma-Studie «Die Gewerbeversicherung – ein Markt im stetigen Wandel» neue Erkenntnisse über diesen Versicherungsbereich und zeigt, dass die Nachfrage je nach Branche, Unternehmensgrösse und Land erheblich schwankt. Gewerbeversicherungen helfen den Unternehmen, Risiken zu bewältigen, neue Innovations- und Wachstumsmöglichkeiten zu finden und ihre Gewinne zu stabilisieren. Auf sie entfiel im Jahr 2010 ein Prämienanteil von rund 600 Mrd. USD, dies entspricht ungefähr 41% des globalen Nichtlebengeschäfts.

Die Gewerbeversicherungsprämien beliefen sich in den USA für 2010 auf 237 Mrd. USD. 

Damit war die grösste Volkswirtschaft mit Abstand auch der grösste Gewerbeversicherungsmarkt der Welt. Der enorme Grössen-abstand zwischen dem US-Markt und der übrigen Welt ist unter anderem auf Haftpflicht- und Berufsunfalldeckungen zurückzuführen. Ausserhalb der USA sind Berufsunfall- oder Arbeitgeberhaftpflicht-Deckungen oft verstaatlicht oder Bestandteil des Sozialversicherungssystems. Zweit-grösster Gewerbeversicherungsmarkt ist Japan mit einem Prämien-volumen von 35 Mrd. USD, an dritter Stelle folgt China mit 31 Mrd. USD.

In den letzten zehn Jahren ist das Prämienvolumen der Gewerbeversicherungen in den Schwellenländern im Durchschnitt um 14% jährlich gestiegen, zwei- bis dreimal schneller als in den Industrieländern (+5,4%). 

China verzeichnete im selben Zeitraum ein jährliches Wachstum von 32%, dies war vor allem der Einführung der obligatorischen Motorfahrzeug-Haftpflichtversicherung zu verdanken. Ohne das Motorfahrzeuggeschäft stände China weltweit auf Platz sieben.

In wachstumsstarken Märkten wie China profitiert das Prämienwachstum der Gewerbeversicherung nicht nur von der Wirtschaftsexpansion, sondern auch von der zunehmenden Versicherungsdurchdringung. Dadurch wachsen die Prämien meist schneller als die Wirtschaft», sagt Kurt Karl, Chefökonom von Swiss Re.


 


Durch Weiterentwicklung der Risikolandschaft gewinnen Haftpflichtrisiken an Bedeutung.


Die Bedeutung der Haftpflichtversicherung nimmt in allen Märkten zu, sowohl im Vergleich zum BIP als auch zur Sachversicherung. 

Die Haftpflichtsparten wachsen demzufolge schneller als die Gesamtwirtschaft.

"Ein Grund für die steigende Bedeutung des Haftpflichtschutzes ist das Wachstum des Dienstleistungssektors, der durch Haftungsrisiken stärker bedroht ist als der Fertigungssektor", sagt sigma-Co-Autor Thomas Holzheu.

Weitere Gründe sind Gesetzesänderungen, zunehmende Prozessfreudigkeit, erhöhter Wert, der dem Leben beigemessen wird, höherer Wohlstand, zunehmende internationale Verflechtung und das gestiegene Umweltbewusstsein.

Sachversicherungsrisiken nehmen ebenfalls zu.

Im Jahr 2011 entfielen in den USA 29 % und im Wachstumsmarkt Brasilien 50 % der gebuchten Gewerbeversicherungsprämien auf die Sachsparten.

In China hingegen lag der Prämienanteil der Sachsparten an den Prämien nur bei 13%.

Einer der Hauptgründe für die Zunahme der Sachrisiken sind Naturkatastrophen.

Auch durch die Globalisierung, die Just-in-time-Produktion und die Verlagerung von Produktionsbetrieben in Wachstumsmärkte mit hohem Katastrophenrisiko ist das Risikomanagement teurer und komplexer geworden.

Die schweren Naturkatastrophen der letzten Jahre haben verdeutlicht, welche Grössenordnungen solche Ereignisse erreichen können und wie eng die Verflechtung ist.

"Die Sachrisiken nehmen zu, ihr Kreis weitet sich von traditionellen Sachschäden auf das Betriebsunterbrechungsrisiko (Business Interruption, BI) aus, sogar auf das weniger gut untersuchte Risiko von Rückwirkungsschäden (Contingent Business Interruption, CBI), das auch Störungen bei den Lieferanten eines Unternehmens umfasst. 
Bislang jedoch werden CBI-Risiken weltweit kaum versichert", erklärt Roman Lechner, Co-Autor der sigma-Studie.

Versicherungen bieten einen massgeschneiderten Schutz für verschiedenste Risikoexponierungen und Versicherungsbedürfnisse

Die Versicherungsnachfrage der Unternehmen hängt von vielen Parametern ab, vor allem von der Branche, der Unternehmensgrösse, dem rechtlichen Umfeld sowie spezifischen Einzelbedürfnissen. 

Das Baugewerbe beispielsweise wendet relativ zum Umsatz am meisten für die Versicherung auf, gefolgt von Transport / Kommunikation / Versorgung und dem Bergbausektor. 

Die Sektoren Finanzdienstleistung und Handel sowie der Staat verzeichnen die geringsten Versicherungskosten. 

Der Industriesektor nimmt eine Mittelstellung ein.

Grössere Unternehmen geben umsatzbezogen deutlich weniger Geld für Versicherungsprämien aus als kleinere Firmen, auch wenn sie wesentlich höhere Deckungen einkaufen. Dies ist darauf zurückzuführen, dass sie Risiken besser diversifizieren und komplexere Risikomanagement-prozesse einsetzen können.

Ertrag des Versicherungsgeschäfts bleibt wichtigster Gewinntreiber

Die Gewerbeversicherungsbranche weist eine starke Zyklizität mit periodischen Soft-Market-Bedingungen auf. Dennoch hat sich der Sektor selbst während der Finanzkrise als robust erwiesen. 

Zurzeit leidet die Profitabilität der Gewerbeversicherung noch unter geringen Anlagerenditen und niedrigen Prämiensätzen, doch ein wirtschaftlicher Aufschwung und steigende Zinsen dürften die Profitabilität letztlich – mit einer gewissen Verzögerung – kräftig verbessern.

Kurz- und mittelfristig werden das Wachstum und die Profitabilität der Gewerbeversicherung vor allem vom Underwriting-Zyklus beeinflusst, wobei die Profitabilität grösstenteils dem Anstieg der Prämiensätze zu verdanken ist, während die Anlageerträge nur langsam steigen werden, wenn sich die Wirtschaft erholt. 

Für erfolgreiche Gewerbeversicherer werden mittel- bis langfristig die Versicherungsergebnisse – nicht die Anlagerenditen – der wichtigste Gewinntreiber sein.

Swiss Re

Swiss Re Group ist ein führender Anbieter von Rückversicherungen, Versicherungen und weiteren versicherungsbasierten Formen des Risikotransfers. 

Seine direkt oder über Broker betreuten internationalen Kunden sind Versicherungsgesellschaften, mittlere bis grosse Unternehmen und Kunden des öffentlichen Sektors. 

Swiss Re nutzt seine Kapitalstärke, seine Fachkompetenz und seine Innovationsfähigkeit zur Entwicklung von Lösungen, welche von Standardprodukten bis hin zu ausgeklügelten kundenspezifischen Versicherungsdeckungen für sämtliche Geschäftssparten reichen und das Eingehen von Risiken ermöglichen, was für Unternehmen und den allgemeinen Fortschritt von wesentlicher Bedeutung ist. 

Das 1863 in Zürich, Schweiz, gegründete Unternehmen verfügt über ein weltweites Netz von über 60 Gruppengesellschaften. 

Es wird von Standard & Poor‘s mit «AA-», von Moody’s mit «A1» und von A.M. Best mit «A+» bewertet. 

Die Namenaktien von Swiss Re AG, der Holdinggesellschaft von Swiss Re Group, sind an der Schweizer Börse SIX Swiss Exchange kotiert und werden unter dem Tickersymbol SREN gehandelt. 

Weitere Informationen über Swiss Re Group finden Sie auf unserer Webseite: 


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So erhalten Sie diese sigma-Studie:

In elektronischer Form steht die sigma-Studie Nr. 5/2012, «Die Gewerbeversicherung – ein Markt im stetigen Wandel», in deutscher, englischer, französischer und spanischer Sprache auf der Website von Swiss Re bereit: 


Die Fassungen in chinesischer und japanischer Sprache erscheinen demnächst.

Gedruckte Ausgaben von sigma Nr. 5/2012 sind jetzt ebenfalls auf Deutsch, Englisch, Französisch und Spanisch erhältlich. 

Die Druckfassungen auf Chinesisch und Japanisch folgen in Kürze. 

Bitte senden Sie Ihre Bestellung mit vollständiger Postanschrift an sigma@swissre.com

So können Sie diese sigma-Medienmitteilung beziehen:

In elektronischer Form ist diese sigma-Medienmitteilung in deutscher, englischer, französischer, spanischer und portugiesischer Sprache auf der Website von Swiss Re erhältlich: