{"id":1805,"date":"2018-03-20T16:06:01","date_gmt":"2018-03-20T16:06:01","guid":{"rendered":"http:\/\/www.materh.com\/?p=1805"},"modified":"2018-03-20T16:06:40","modified_gmt":"2018-03-20T16:06:40","slug":"total-cost-of-risk-tcor","status":"publish","type":"post","link":"https:\/\/www.materh.com\/en\/total-cost-of-risk-tcor\/","title":{"rendered":"Total Cost of Risk (TCoR)"},"content":{"rendered":"<div class=\"wpb-content-wrapper\" id=\"wpb-content-root\"><p>[vc_row][vc_column][vc_column_text]One of the most important steps in risk management involves calculating the <strong>Total Cost of Risk<\/strong> <strong>(TCoR)<\/strong>. This process involves tweaking insurance programmes, while conducting a proper study for estimating the CToR of a company\/organisation also requires gathering the following information:[\/vc_column_text]<div class=\"standard-arrow list-divider bullet-top\"><ul>\n<li>Net premiums paid<\/li>\n<li>Level of excesses (General and those applied to specific guarantees)<\/li>\n<li>Past record of claims (number of claims, payments, reserves, excesses applied, etc.)<\/li>\n<\/ul>\n<\/div>[vc_column_text]In addition, consideration needs to be given to those resources a company uses to manage its risks. For example, if the level of the company\u2019s contribution to the payment of a claim -the excess- is very high, it may have to employ someone to supervise and monitor the company\u2019s claims. The acceptable level of the excess should be consistent with the company\u2019s appetite for risk. Another example could be the investment made for mitigating risks, thereby improving their quality, which should lead to a reduction in the premiums to be paid, etc.[\/vc_column_text][vc_separator css=&#8221;.vc_custom_1519034473465{margin-top: 30px !important;margin-bottom: 0px !important;padding-bottom: 0px !important;}&#8221;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>One of the most important steps in risk management involves calculating the Total Cost of Risk (TCoR). <\/p>\n","protected":false},"author":2,"featured_media":1719,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[25],"tags":[],"class_list":["post-1805","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","category-25","description-off"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Total Cost of Risk (TCoR) - 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