我們的作用
保險經紀與“中間人”一詞不成等號，“保險經紀”具有附增價值。
大部分與保險業(yè)有關的新課題和新技術的開拓，有賴于保險經紀的貢獻。他們與保戶關系密切，故此，能更早于保險公司和更經常性地發(fā)現(xiàn)新機遇和對新產品的需求。保險市場處于經常性的演變是科技發(fā)展日新月異的結果。如：航空、航天、核能、電腦，以及其它林林總總的責任風險等。當保險經紀發(fā)現(xiàn)保險公司的標準產品不能滿足要求時，他將會增注適當文字，重組保單內容，及/或將風險分層處理，以符合保險公司的承保指引。
保險經紀的工作遠遠超越單純的風險投保。他往往需要組織多家保險公司去共同面對同一巨大的風險；他還須負責風險勘查，提供風險管理服務，為客戶實現(xiàn)非傳統(tǒng)的風險融資方案。
對顧客而言，專業(yè)保險經紀在許多方面提供免費的獨立建議和專業(yè)協(xié)助。保險經紀為顧客厘定其保險需求，建議適當?shù)娘L險保障方案，搜索好的市場，提供索償程序，以及詳釋保單條款對客戶的保障。
對絕大部分商業(yè)保險業(yè)務而言，保險經紀為承保人提供了不可或缺的服務。承保人與保險經紀間進行磋商既容易又方便，只須在比較復雜的要點和特殊的要求上作研究，而節(jié)省了花在一般性事務上的時間，以至金錢。
若缺乏保險的支持，很多行業(yè)將無法生存。保險行業(yè)的存在亦少不了保險經紀。作為中國保險經紀業(yè)的一份子，我們對能為社會做出我們應有的貢獻而深感驕傲。
OUR ROLE
Insurance brokers can not be mistakenly labeled as "middlemen", brokers do add value to clients.
Most of the innovation and technical improvements in the insurance industry are pioneered and can be attributed to the broker. Due to their close relationship with clients, they can often identify new opportunities and the need for new products before insurance companies. The insurance market is constantly changing as a result of new developments in technology, e.g. aviation, satellite, nuclear, computer risks and various types of liability risks. If a broker does not think that standard products from insurance companies are appropriate, he will write more suitable wordings and structure the cover and/or layer risks in order to suit the underwriting guidelines set by insurance companies.
The broker has to do far more than just place insurance. For large risks he often has to bring together a panel of insurers. It may also be necessary for the broker to undertake risk surveys, provide risk management services or help their clients implement non-traditional risk financing programmes.
From the clients' point of view, professional insurance brokers offer independent advice and professional help on a wide range of matters usually at no cost. The broker identifies their insurance needs, suggests the most appropriate cover, finds the best market, produces a claims procedure, and explains the obligations placed on the insured by the policy conditions. For the vast majority of commercial insurance business, brokers provide an essential service to insurers. Negotiations with brokers are easier and more expedient as only the more intricate points or special requirements need to be discussed thus saving a lot of time, and therefore money, on routine matters.
Many ventures could not exist without the backing of insurance. The insurance industry could not exist, as we know it, without the broker. As a member of insurance brokers' industry of China, we should be proud of our contribution to society. Willis will not accept contingency compensation.
保險經紀與“中間人”一詞不成等號，“保險經紀”具有附增價值。
大部分與保險業(yè)有關的新課題和新技術的開拓，有賴于保險經紀的貢獻。他們與保戶關系密切，故此，能更早于保險公司和更經常性地發(fā)現(xiàn)新機遇和對新產品的需求。保險市場處于經常性的演變是科技發(fā)展日新月異的結果。如：航空、航天、核能、電腦，以及其它林林總總的責任風險等。當保險經紀發(fā)現(xiàn)保險公司的標準產品不能滿足要求時，他將會增注適當文字，重組保單內容，及/或將風險分層處理，以符合保險公司的承保指引。
保險經紀的工作遠遠超越單純的風險投保。他往往需要組織多家保險公司去共同面對同一巨大的風險；他還須負責風險勘查，提供風險管理服務，為客戶實現(xiàn)非傳統(tǒng)的風險融資方案。
對顧客而言，專業(yè)保險經紀在許多方面提供免費的獨立建議和專業(yè)協(xié)助。保險經紀為顧客厘定其保險需求，建議適當?shù)娘L險保障方案，搜索好的市場，提供索償程序，以及詳釋保單條款對客戶的保障。
對絕大部分商業(yè)保險業(yè)務而言，保險經紀為承保人提供了不可或缺的服務。承保人與保險經紀間進行磋商既容易又方便，只須在比較復雜的要點和特殊的要求上作研究，而節(jié)省了花在一般性事務上的時間，以至金錢。
若缺乏保險的支持，很多行業(yè)將無法生存。保險行業(yè)的存在亦少不了保險經紀。作為中國保險經紀業(yè)的一份子，我們對能為社會做出我們應有的貢獻而深感驕傲。
OUR ROLE
Insurance brokers can not be mistakenly labeled as "middlemen", brokers do add value to clients.
Most of the innovation and technical improvements in the insurance industry are pioneered and can be attributed to the broker. Due to their close relationship with clients, they can often identify new opportunities and the need for new products before insurance companies. The insurance market is constantly changing as a result of new developments in technology, e.g. aviation, satellite, nuclear, computer risks and various types of liability risks. If a broker does not think that standard products from insurance companies are appropriate, he will write more suitable wordings and structure the cover and/or layer risks in order to suit the underwriting guidelines set by insurance companies.
The broker has to do far more than just place insurance. For large risks he often has to bring together a panel of insurers. It may also be necessary for the broker to undertake risk surveys, provide risk management services or help their clients implement non-traditional risk financing programmes.
From the clients' point of view, professional insurance brokers offer independent advice and professional help on a wide range of matters usually at no cost. The broker identifies their insurance needs, suggests the most appropriate cover, finds the best market, produces a claims procedure, and explains the obligations placed on the insured by the policy conditions. For the vast majority of commercial insurance business, brokers provide an essential service to insurers. Negotiations with brokers are easier and more expedient as only the more intricate points or special requirements need to be discussed thus saving a lot of time, and therefore money, on routine matters.
Many ventures could not exist without the backing of insurance. The insurance industry could not exist, as we know it, without the broker. As a member of insurance brokers' industry of China, we should be proud of our contribution to society. Willis will not accept contingency compensation.