Muhasebe
ilk hasar sigortasi
İngilizce: first loss insurance
Türkçe Tanım
Sigortacinin, sigortalanmis varliklarin toplam degerinden bagimsiz olarak belirli bir azami tutara kadar tazminat talepleri odemeyi kabul ettigi ve police sahibinin fazlayi kendi ustlendigi sigorta policesidir. Bu yaklasim toplam kayip olasiliginin son derece dusuk oldugu ve tam deger teminatinin engelleyici derecede pahali olacagi durumlarda kullanilir. Ilk hasar sigortasi, isletmelerin tam yenileme maliyeti yerine yalnizca azami muhtemel zarari sigortaladigi ticari mulk ve envanter teminatlarinda yaygindir.
English Definition
An insurance policy in which the insurer agrees to pay claims up to a specified maximum amount regardless of the total value of insured assets, with the policyholder self-insuring any excess. This approach is used when the probability of a total loss is extremely low and full-value coverage would be prohibitively expensive. First loss insurance is common in commercial property and inventory coverage, where businesses insure only the maximum probable loss rather than the full replacement cost.