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1	Inflation Index for the House and Content Portfolio : A Model to Calculate the Future Claim Costs for Trygg-Hansa Eklund, Nadine January 2023 (has links) Trygg-Hansa is a Swedish insurance company that specializes in business insurance, home insurance, vehicle insurance, and personal insurance. This work focuses on Trygg-Hansa’s House and Content portfolio, which insures customers’ homes, both the building itself and its contents. In the event of damage or accidents, the company compensates customers financially, but due to rising inflation, these expenses have become increasingly expensive. Today, Trygg-Hansa has a model for predicting the future cost of compensate damages within the House and Content portfolio, but sees a great need to develop it further. The goal of this work is to find a better model for predicting future costs and to create an inflation index. This index can serve as a basis for the pricing department, as it can be used to adjust customers’ premiums to maintain a profitable business. The data was collected from the company’s systems, and nine data sets were created, one for each type of damage. The models used to predict the future claim costs were Autoregressive Integrated Moving Average (ARIMA), Seasonal Autoregressive Integrated Moving Average (SARIMA), and Exponential Smoothing (ES). Each claim type was predicted two years ahead, and thereafter the Laspeyres Price Index was calculated. This was done for all three models, and then the results of the models were compared. The models were trained for the years 2013-2021, while the years 2021-2023 were used to evaluate the models. All types of damage had rising costs between 2013- 2021, but at the beginning of 2021 and forwards, the trends changed to decreasing trends for almost all types of damage. This affected the results of the models, as they were only trained on rising trends, and therefore, the forecast evaluation (Root Mean Squared Error and Mean Average Percent Error) was not useful. The ARIMA and SARIMA models showed almost no trends in the predicted data. This may be due to too complex data with too much volatility and unclear trends for the implemented module. The Exponential Smoothing model follows the historical data both trend-wise and with a likely seasonal pattern for all nine types of damage and for the historical LPI. The forecast made by the ES and SARIMA models also show similar seasonal patterns. Furthermore, the ES model has the best model fit according to the Box-Jenkins Diagnostic. The model may need to be corrected in a year when the declining trend has been included in the training data by setting more weight to the new data for the year 2021. Inflation Index Claim Costs Time Series Forecasting Trygg-Hansa Mathematics Matematik
2	Framgång på sociala medier för företag i utsatta branscher. / Success on social media for businesses in vulnerable sectors Pettersson, Marcus January 2014 (has links) Social media is a relatively new phenomenon that has had a huge impact in the way we communicate in recent years. Today it is used daily by almost everyone and has become a billion dollar industry where corporate existence is increasing by every day. But there is not entirely safe to work with social media since customers and visitors can make comments and investigate what others are writing about the brand and form their own opinion. The purpose of this study is to explain the potential advantages and disadvantages for organizations in vulnerable industries with a focus on insurance companies who works with Facebook. The paper takes its starting point in the convergence culture that explains a cultural shift where consumers are encouraged to search for new information and combine content from different media. This is supplemented by a study by de Vries et al. (2012) who has analyzed what factors determines the popularity of a brandpost. In addition, brand-building theory, communication theory, relationship marketing and transparency is utilized to answer the essays questions and achieve the purpose of this study. The study was made with the help of a triangulation-method including interviews, qualitative analysis and a quantitative method. By performing a triangulation, the combination of these methods creates a greater understanding of the industry and more reliable data. The results of the study show that all insurance companies have a positive attitude to social media and understand the increasing transparency it brings by working with Facebook. In addition, the study shows that an integration of social media in the marketing mix should be prioritized so all elements are working to achieve the same objective. To create a successful posting in number of like-markings the study shows that it needs uniqueness, a unique date or event. In order to create more awareness for these unique posts, it should be published with a photo or video. Furthermore, the quantitative results shows that having a strong brand creates no obvious successes in social media, what mainly matters is the work being performed. Kvalitativ kvantitativ intervjuer textanalys Konvergens Relationsmarknadsföring Marknadsföring Sociala medier Word of mouth Transparens Facebook försäkring försäkringsbranschen framgång Svedea Moderna försäkringar Trygg-hansa IF Länsförsäkringar
3	Försäkring och terrorism / Insurance and terrorism Albinsson, Andreas January 2016 (has links) Sammanfattning I Europa samt i vår övriga omvärld har hotet från terrorister under de senaste åren ökat. Därför är det av betydelse att försäkringsskydd finns att tillgå när eller om vi drabbas av terroristers våldshandlingar, för att åtminstone mildra vårt ekonomiska lidande. I denna masteruppsats får läsaren bland annat bekanta sig med vilka försäkringsmöjligheter som de större försäkringsgivarna har att erbjuda privatpersoner samt företag, avseende skada som har orsakats av terrorism. I uppsatsen behandlas försäkringar där skydd mot terrorism undantas helt eller till vissa delar. Detta gör det betydelsefullt att analysera i vilken utsträckning försäkringsbolag har rätt att undanta terrorrisker samt vilket rörelseutrymme försäkringsbolag har beträffande att inte uppställa undantag för nämnda risker. Vidare framförs resonemang om hur samhället påverkas av att försäkringsskydd, i vissa fall, saknas på området samt hur rimligt det är att försäkringsbranschen saknar en gemensam definition av terrorism. Terrorism kan ibland klassificeras som krigsliknande händelse. I uppsatsen behandlas därför också frågor om hur klassificeringen teoretiskt sett kan komma att påverka försäkringsersättningen vid ett eventuellt terrorscenario. Insurance terrorism force majeure NBCR Terrorism forsikring NBCR Försäkring terrorism statsterrorism nationell terrorism internationell terrorism force majeure företagsförsäkring terrorscenarier terrorscenario NBCR terrorismdefinition terroristlagstiftning terrorskada terroristbrott terroristpool terroristförsäkringspool terrorismförsäkring krigsliknande händelse kumul stabilitetsprincipen solvenskapitalkrav FRL Folksam If Skadeförsäkring Länsförsäkringar Topdanmark Trygg-Hansa Zürich Terrorism forsikring NBCR

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