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Classification of types of insurance of bank risks

We will consider option of classification of types of insurance of bank risks:

Insurance types Risks of bank The counter-party risks of bank influencing its financial position
Personal insurance 1. Accidents insurance and diseases, medical insurance of personnel
2. Life insurance of personnel (on a case of death, pension)
1. Life insurance and working ability of borrowers
Property insurance 1. Insurance of non-financial values of bank
2. Insurance of values at storage and transportation
3. All-inclusive insurance of bank from criminal risks (BBB)
4. Insurance upon electronic and computer crimes
5. Financial risks insurance (non-execution of obligations for debt obligations)
6. Insurance of plastic card issuers
7. Insurance upon unauthorized actions of employees of the bank
8. Insurance of losses from a break in commercial activity
1. Insurance of professional responsibility
2. Liability insurance of the management of bank
3. Liability insurance for default of the debt obligations by bank
Insurance of responsibility 1. Insurance of professional responsibility
2. Liability insurance of the management of bank
3. Liability insurance for default of the debt obligations by bank
1. Liability insurance for default of a debt to bank

This classification has the following advantages:

  • includes all types of bank risks of subjects to insurance;
  • allows to differentiate more accurately insurance products by types according to the commonly accepted classification (personal insurance, property insurance, liability insurance);
  • directly bank risks and risks to which the bank is subject indirectly through the contractors are distinguished.


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