Bad Risk

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Bad Risk

1. A loan that is unlikely to be repaid because of bad credit history, insufficient income, or some other reason. A bad risk increases the risk to the lender and the likelihood of default on the part of the borrower.

2. A person or company to whom lending would create bad risk.

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Bad risks are more obvious and distinguished by recklessness and wrongdoing.

How Risk Management Can Enable Growth

Tribe set out to transform the insurance market based on a simple concept: insurance customers know far more about good and bad risks in their social network than traditional insurance companies do.

BearingPoint invests in Tribe

This model adds considerable value for customers and also provides important opportunities for insurers to identify good and bad risks, minimize claims payouts and upsell relevant products and services -- creating a win-win situation for both parties.

Insurance 2.0 is a game changer

As it is, there's already a long list of bad risks I've taken-picking the wrong restaurant or ordering the wrong dish, only because I like to try new things.

My adventure with Tarzan

to pay off its "deficit"-through such practices as de-risking, it drives good risks out of the system; this leaves bad risks and increases the risk of underwriting losses.

PBGC Policy Proposals

If the risks were ranked from worst to best based on adequacy ratio, the company could get an idea of how the portfolio's profitability would change by excluding a certain percentage of bad risks from the portfolio.

Bridging the gap: these practical strategies can improve profitability for insurers in catastrophe-exposed markets

To effectively select and price accounts, underwriters must be able to differentiate between good and bad risks.

Insurance practices to assist your business: if you have a great franchise system package, wrap it up and put a bow on it

It is also important to know that Risk Management involves weighing bad risks and good risks.

Risk Professional Gathering in Singapore Next Month for the Risk Intelligence Conference

Standard ERM processes are reasonably effective at identifying and prioritizing bad risks.

ERM: where to go from here: why new tools are needed to help companies properly assess risks and opportunities

Many health insurers have argued that imposing a tough mandate will be essential to any successful effort to offer coverage on a guaranteed issue basis without leading bad risks to flood into the health insurance system and good risks to pour out.

Insurance Professor Analyzes the PPACA Mandate

Because the NYSIF is the market of last resort, the state has given it great latitude in competing with private insurers, so not to become the "dumping ground for bad risks that no company would insure" (from the 1915 Annual Report of the Industrial Commission).

A lawyer walks into a market of last resort ..

Kirk Roy, a vice president at Blue Cross Blue Shield of Michigan, Detroit, has written about strategies for "cherry picking," or intentionally encouraging good risks to enroll and bad risks to go to other health insurers, in a comment letter submitted to the National Association of Insurance Commissioners (NAIC), Kansas City, Mo.