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Captive Insurance Companies And Domiciles专属自保保险业的公司和住所

A captive insurance company is generally described as an insurance company formed by an industrial or commercial company primarily to insure some or all of the risks of its parent or associated companies. 附属保险公司的一般描述为一家保险公司成立一个由工业或商业公司主要是为了确保部分或全部的风险及其母公司或联营公司。 Like any other company, the captive insurance company will be capitalised, have Directors and will employ managers who carry out the day to day running of the company.其它任何公司一样，该专属自保保险业的公司将资本雄厚，有主任和管理人员将采用谁进行日常运行的公司。

These Are Some of The Benefits Of Using A Captive Insurance Company 这些都是一些好处使用专属自保保险业公司

Capture underwriting profits.捕获的承保利润。 Conventional insurers aim to make an underwriting profit, it makes sense for insured companies to retain the underwriting profits made in the years of normal losses themselves by writing the insurance in their captive, and protecting the captive against a catastrophe through reinsurance.常规保险旨在使承保利润，这是有道理的投保公司保留承保利润的几年中的正常损失自己的书面保险在其俘虏，保护圈养对灾难再保险。 By using a captive, a company will not be penalised if the industry pricing is influenced by the poor claims record of others in the industry.通过使用俘虏，该公司将不会受到惩罚，如果该行业的定价是受不良债权的记录中的其他行业。 Where companies have a better than average loss experience, their premium costs will reflect this.凡公司有优于平均损失经验，其保险费将反映出这一点。

Smoothing the cost of premiums.平滑的费用保险费。 It is well known that premiums in the conventional market follow a cyclical pattern leading to budgeting and cashflow problems.众所周知，保费在传统市场的后续周期性模式，导致预算和现金流量的问题。 A captive allows companies to decide at what level they wish to participate in the conventional insurance market and hence what level of premium to pay for risk transfer.专属自保让企业决定在什么级别，他们希望参加常规的保险市场，因而何种程度的溢价支付风险转移。

Niche products underwriting.适销对路产品包销。 The conventional market may not meet the needs of the parent company: often the underwriter will not or cannot offer the cover required.传统的市场可能无法满足公司的母公司：承销商往往将不会或不能提供所需的封面。 In this case the captive may be able to offer the cover, buying reinsurance to protect itself against a catastrophe.在这种情况下，俘虏可以提供掩护，购买保险，以保护自己免受一场灾难。

Contingency reserves.应急储备。 These can be built up in a captive which will protect it against a higher than expected level of claims, or offer cover to the parent company against losses that may be low frequency but high severity, or offer cover that would not otherwise be available in the market.这些可以建立在一个俘虏将保护它对高于预期水平的要求，或者提供覆盖到母公司的损失可能低，但高频率的严重性，或者提供支付，不会以其他方式提供市场。 Being located in a low tax jurisdiction, certain tax benefits may be achieved.设在低税管辖范围内，某些税收优惠可能会实现。

Access to the reinsurance market.进入再保险市场。 Often known as the "wholesale market", this market offers cover to insurance companies and as such tends to have lower overheads, such as marketing related costs.往往被称为“批发市场” ，这个市场提供了包括保险公司，因此，往往有较低的费用，如市场营销相关费用。 As a result it can often offer lower terms than the conventional market, and will sometimes pay commissions back to a captive for producing the business.由于它往往可以提供较低的条件比传统的市场，有时会支付佣金回被俘的生产业务。

Risk Management Focus.风险管理的重点。 Information focus, risk retention, relating operating companies premiums to their own loss experience: the captive may have a role in these and other areas.信息集中，风险保留，有关经营公司保费自己的损失经验：分子可能有作用，这些领域和其他领域。

When should you consider a captive or a captive management company? 当你应该考虑圈养或圈养管理公司？

It is difficult to define simply when a company should consider forming a captive, as every company and their needs are unique.这是很难界定只是当一家公司应考虑成立一个俘虏，因为每家公司和他们的需求是独特的。 In general terms companies which benefit from captive insurance tend to have common features.从总体上看公司受益于专属自保保险业往往有共同的特点。 These include companies with:这些措施包括公司：

• profitable net premium income exceeding £500,000;有利可图的净保费收入超过50.0万英镑;
• a Risk Management focus;风险管理重点;
• loss history which is better than others in the same industry;历史上的损失是优于其他同业;
• low frequency, high severity risks and/or those that are suitable for excess of loss reinsurance, (lower levels of risk could be retained in the captive);低频率，高风险的严重性和/或那些适合超额损失再保险， （较低水平的风险可以保留在圈养） ;

Captive Domiciles 圈养住所

There are many places around the world where the economic environment is welcoming and conductive to the specific area of captive insurance.有许多世界各地的经济环境是欢迎和导电性的具体领域的专属自保保险业。 Whether you are looking to set up your own captive management company or are simply looking for a management company to manage your insurance risk these domiciles are the places to look.无论你想建立自己的专属自保管理公司，或仅仅是寻找一个管理公司来管理您的保险风险这些住所的地方看看。 I'm sure most of the names will be familiar to those who have dealings with the offshore finance sector, some of the most well established captive domiciles include the the Isle of Man, Jersey, Guernsey, Bermuda, Hawaii and Cayman.我相信大多数的名字将这些熟悉的谁打交道的境外金融服务部门，其中最既定圈养住所包括马恩岛，泽西岛，根西岛，百慕大，开曼群岛和夏威夷。 Depending on whether you are besed in Europe, the United Kingdom or the US one of these areas should be able to provide a service that will meet your captive insurance needs.取决于您是besed在欧洲，英国或美国这些领域应该能够提供一种服务，将满足您的专属自保保险业的需求。