Unbundled Loss Prevention and Risk Engineering Services provide Major Economic Benefits, 2011 PEERS Conference

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Large industrial companies, including pulp and paper manufacturers, traditionally insure their business against large economic loss due to unforeseen events by buying property and fire insurance coverage from insurance companies with significant underwriting capacity. Prior to 1990 the main option was to buy insurance from a single insurance company with enough financial capital to underwrite the large loss potentials. As part of the policy the insurance company routinely ‘bundles’ into the premium substantial costs for its own loss-prevention engineering requirements to lower the probability of loss events and claims.