PR Carta Circular Núm. AC-I-9-1282-92
Encuesta sobre acumulaciones, retención, PMP y programa catastrófico
[LOGO]
ESTADO LIBRE ASOCIADO DE PUERTO RICO
OFICINA DEL COMISIONADO DE SEGUROS
Carta Circular: AC-I-9-1282-92
14 de septiembre de 1992
### A TODOS LOS ASEGURADORES DE PROPIEDAD Y CONTINGENCIA AUTORIZADOS EN PUERTO RICO
Asunto: Encuesta sobre acumulaciones, retención, PMP y programa catastrófico
En respuesta a la preocupación expresada por varios aseguradores, el pasado 8 de mayo de 1992 enviamos una Orden Requiriendo Información a Todos los Aseguradores del País Autorizados a Suscribir Seguros de Propiedad. Se requirió información desglosando por zonas del sistema CRESTA los valores asegurados contra los riesgos de huracán y terremoto. También se solicitó una descripción del programa de reaseguro catastrófico de cada asegurador del país.
Los resultados de la encuesta han sido examinados. Confirman la impresión de muchos sobre el monto de las acumulaciones. La información recopilada también demuestra la poca protección catastrófica que tienen varios aseguradores del país. Por esta situación hemos considerado prudente manifestar nuestra gran preocupación por el impacto que pueda tener sobre el sobrante del asegurador el uso de un factor de pérdida máxima probable inadecuado.
Actualmente estamos estudiando el cálculo de una curva para la pérdida máxima probable para terremoto. Existe interés por parte
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de esta Oficina en estudiar el mismo asunto en cuanto a su aplicación a huracán. La magnitud de las acumulaciones en función de los sobrantes hacen imprescindible analizar detenidamente el mínimo de protección catastrófica que todo asegurador debe tener. De lo contrario podría resultar ser falsa la promesa que toda póliza respresenta. Atendidas las circunstancias del mercado de reaseguro mundial el momento es propicio para reglamentar lo que debiera ser buena práctica de todo asegurador responsable.
A tenor con todo lo antes expuesto, solicitamos sus comentarios y observaciones sobre las consideraciones técnicas del estudio de este asunto y los elementos de la reglamentación que se pueda adoptar.
Para su beneficio, incluimos copia de parte de la información obtenida en el estudio para que puedan tener los elementos necesarios para comentarios y observaciones. Notarán que se ha omitido la identificación del asegurador. Sin embargo, esta encuesta se debiera convertir en un ejercicio anual y la información, incluyendo la identificación del asegurador, se publicará como parte del Informe Anual de la Oficina del Comisionado de Seguros. Consideramos que esta información debe estar disponible al público.
Atentamente,
Ralph J. Rexach
Comisionado de Seguros
Anejo
# HURACAN
| Linens Comerciales | | | Linens Personales | | |
| --- | --- | --- | --- | --- | --- |
| Exposition Total | P.M.P % | Ret.-Asegurador | Exposition Total | P.M.P % | Ret.-Asegurador |
| $3,000,000,000 | 5.00 | $2,000,000 | $1,000,000,000 | 2.00 | $1,000,000 |
| $377,000,000 | 7.50 | $2,000,000 | $946,000,000 | 2.50 | $2,000,000 |
| $2,000,000,000 | 10.00 | $100,000 | $13,000,000 | 10.00 | $100,000 |
| $1,000,000,000 | 5.00 | $1,000,000 | $2,000,000,000 | 5.00 | $1,000,000 |
| $567,000,000 | 5.00 | $250,000 | $3,000,000,000 | 5.00 | $250,000 |
| $1,000,000,000 | 15.00 | $400,000 | $1,000,000,000 | 15.00 | $400,000 |
| $543,000,000 | 13.00 | $300,000 | | | |
| $1,000,000,000 | 6.00 | $3,100,000 | $690,000,000 | 6.00 | $3,000,000 |
| $1,000,000,000 | 10.00 | $600,000 | $713,000,000 | 10.00 | $600,000 |
| $1,000,000,000 | 15.00 | $2,000,000 | $828,000,000 | 15.00 | $2,000,000 |
| $545,000,000 | 10.00 | $1,000,000 | $1,000,000,000 | 10.00 | $1,000,000 |
| $427,000,000 | 15.00 | $7,000,000 | $1,000,000,000 | 5.00 | $7,000,000 |
| $3,000,000,000 | 16.00 | $1,000,000 | $710,000,000 | 16.00 | $1,000,000 |
| $605,000,000 | 15.00 | $2,500,000 | $1,000,000,000 | 5.40 | $1,000,000 |
| $956,000,000 | | $300,000 | | | |
| $1,000,000,000 | 6.05 | $1,500,000 | | | |
| $18,020,000,000 | 153.55 | $25,050,000 | $13,900,000,000 | 106.90 | $20,350,000 |
TERREMOTO
Linens Comerciales
Linens Personales
| Exposicion Total | P.M.P. % | Ret.-Asegurador | Exposicion Total | P.M.P % | Ret.-Asegurador |
| --- | --- | --- | --- | --- | --- |
| $3,000,000,000 | 5.00 | $2,000,000 | $2,000,000,000 | 2.00 | $2,000,000 |
| $381,000,000 | 7.50 | $1,000,000 | $952,000,000 | 2.50 | $2,000,000 |
| $2,000,000,000 | 10.00 | $100,000 | $13,000,000 | 10.00 | $100,000 |
| $1,000,000,000 | 6.00 | $1,000,000 | $2,000,000,000 | 6.00 | $1,000,000 |
| $1,000,000,000 | 7.50 | $250,000 | $352,000,000 | 7.50 | $250,000 |
| $1,000,000,000 | 12.62 | $400,000 | $1,000,000,000 | 12.62 | $400,000 |
| $523,000,000 | 13.00 | $300,000 | | | |
| $1,000,000,000 | 6.00 | $3,000,000 | $690,000,000 | 6.00 | $3,000,000 |
| $1,000,000,000 | 10.00 | $600,000 | $704,000,000 | 10.00 | $600,000 |
| $1,000,000,000 | 5.00 | $2,000,000 | $819,000,000 | 5.00 | $2,000,000 |
| $385,000,000 | 10.00 | $1,000,000 | $1,000,000,000 | 10.00 | $1,000,000 |
| $474,000,000 | 15.00 | $7,000,000 | $1,000,000,000 | 5.00 | $7,000,000 |
| $3,000,000,000 | 15.00 | $1,000,000 | $711,000,000 | 15.00 | $1,000,000 |
| $645,000,000 | 15.00 | $2,000,000 | $55,000,000 | 15.00 | $2,000,000 |
| $856,000,000 | 9.75 | $300,000 | $1,000,000,000 | 5.40 | $2,000,000 |
| $1,000,000,000 | 6.05 | $2,000,000 | | | |
| $18,264,000,000 | 153.42 | $23,950,000 | $12,296,000,000 | 112.02 | $24,350,000 |
# TOTAL FOR ZONAS
HURRACANES-PERSONALES
| Suma-Total-Zona-1 | Suma-Total-Zona-2 | Suma-Total-Zona-3 | Suma-Total-Zona-4 | Suma-Total-Zona-5 | Suma-Total-Zona-6 |
| --- | --- | --- | --- | --- | --- |
| 587,036,000.00 | 41,939,000.00 | 497,299,000.00 | 154,949,000.00 | 179,842,000.00 | 5,344,000.00 |
| 216,345,603.00 | 37,185,768.00 | 390,897,214.00 | 124,294,191.00 | 108,977,436.00 | 0.00 |
| 13,220,000.00 | | | | | |
| 5,556,000.00 | | 655,918,000.00 | 413,077,000.00 | 765,580,000.00 | |
| 2,449,506,154.00 | | 187,118,338.00 | 117,972,805.00 | 100,791,325.00 | 1,162,321.00 |
| 692,562,000.00 | 481,000.00 | 201,745,000.00 | 200,428,000.00 | 158,438,000.00 | 145,550,000.00 |
| 156,085,136.00 | 10,317,315.00 | 326,012,891.00 | 89,138,316.00 | 107,984,528.00 | |
| 55,632,002.00 | 4,848,965.00 | 251,828,976.00 | 181,047,866.00 | 218,146,938.00 | 1,011,000.00 |
| 198,323,171.00 | 17,624,152.00 | 390,274,569.00 | 123,708,219.00 | 98,358,743.00 | 3,194.00 |
| 798,000,000.00 | 75,000,000.00 | 43,000,000.00 | 129,000,000.00 | 33,000,000.00 | |
| 198,775,636.00 | 24,683,316.00 | 303,046,654.00 | 148,051,665.00 | 143,609,408.00 | 201,775.00 |
| | | | | | 55,520,074.00 |
| 283,762,672.00 | 3,027,505.00 | 591,655,471.00 | 431,788,725.00 | 150,836,251.00 | |
| 5,654,804,374.00 | 215,107,021.00 | 3,838,796,113.00 | 2,113,455,787.00 | 2,065,564,629.00 | 208,792,364.00 |
# TOTAL POR ZONAS
HURRACANES-COMERCIALES
| Suma-Total-Zona-1 | Suma-Total-Zona-2 | Suma-Total-Zona-3 | Suma-Total-Zona-4 | Suma-Total-Zona-5 | Suma-Total-Zona-6 |
| --- | --- | --- | --- | --- | --- |
| 938,331,000.00 | 438,995,000.00 | 757,688,000.00 | 354,413,000.00 | 180,361,000.00 | 1,716,000.00 |
| 162,051,971.00 | 23,096,124.00 | 123,019,149.00 | 39,101,651.00 | 29,586,417.00 | |
| 2,245,469,000.00 | | | | | |
| 69,984,000.00 | | 382,686,000.00 | 171,899,000.00 | 473,554,000.00 | |
| 148,186,265.00 | | 6,214,768.00 | 253,885,071.00 | 3,843,014.00 | 19,220,556.00 |
| 29,397,415.00 | 44,832,742.00 | 308,214,051.00 | 103,725,843.00 | 56,765,207.00 | 0.00 |
| 384,104,011.00 | 372,007,970.00 | 290,851,619.00 | 83,530,096.00 | 206,236,363.00 | |
| 321,119,958.00 | 112,351,456.00 | 279,454,039.00 | 229,813,821.00 | 446,136,727.00 | 18,149,480.00 |
| 320,221,806.00 | 15,507,980.00 | 216,704,220.00 | 155,113,012.00 | 122,811,702.00 | 359,394,039.00 |
| 360,000,000.00 | 38,000,000.00 | 33,000,000.00 | 87,000,000.00 | 27,000,000.00 | |
| 142,843,464.00 | 38,712,942.00 | 86,029,714.00 | 52,459,080.00 | 52,176,826.00 | 6,758,654.00 |
| | | | | | 605,435,432.00 |
| 254,121,000.00 | 73,501,000.00 | 159,807,000.00 | 224,587,000.00 | 94,443,000.00 | 62,095,000.00 |
| 789,740,298.00 | 80,394,818.00 | 352,574,372.00 | 176,220,870.00 | 81,814,758.00 | |
| 6,165,570,188.00 | 1,237,400,032.00 | 2,996,242,932.00 | 1,931,748,444.00 | 1,774,729,014.00 | 1,072,769,161.00 |
# TOTAL POR ZONAS
TERRENOTO PERSONALES
| Suma-Total-Zona-1 | Suma-Total-Zona-2 | Suma-Total-Zona-3 | Suma-Total-Zona-4 | Suma-Total-Zona-5 | Suma-Total-Zona-6 |
| --- | --- | --- | --- | --- | --- |
| 652,262,000.00 | 46,599,000.00 | 552,554,000.00 | 172,165,000.00 | 199,825,000.00 | 5,938,000.00 |
| 239,247,645.00 | 41,025,955.00 | 412,964,292.00 | 137,367,181.00 | 120,978,228.00 | |
| 2,162,000.00 | 833,000.00 | 4,988,000.00 | 2,889,000.00 | 2,348,000.00 | |
| 5,869,000.00 | | 707,457,000.00 | 447,878,000.00 | 828,496,000.00 | |
| 100,780,399.00 | | 117,146,229.00 | 47,419,318.00 | 26,344,013.00 | 1,162,321.00 |
| 587,778,000.00 | 523,000.00 | 185,033,000.00 | 221,362,000.00 | 148,939,000.00 | 140,355,000.00 |
| 156,085,136.00 | 10,317,315.00 | 326,012,891.00 | 89,138,316.00 | 107,984,528.00 | |
| 53,565,674.00 | 4,706,572.00 | 249,864,449.00 | 180,363,858.00 | 215,288,252.00 | 21,000.00 |
| 195,640,021.00 | 16,916,553.00 | 387,567,267.00 | 120,701,230.00 | 98,565,645.00 | 3,194.00 |
| 43,000,000.00 | 64,000,000.00 | 719,000,000.00 | 161,000,000.00 | 86,000,000.00 | |
| 206,429,818.00 | 30,567,964.00 | 303,940,294.00 | 161,179,104.00 | 158,244,546.00 | 7,169,988.00 |
| 287,852,280.00 | 3,112,392.00 | 595,322,887.00 | 433,499,919.00 | 152,091,218.00 | |
| 2,530,671,973.00 | 218,601,751.00 | 4,561,850,309.00 | 2,174,962,926.00 | 2,145,104,430.00 | 154,649,503.00 |
# TOTAL POR ZONAS
TERRENOTO COMERCIAL
| Suma-Total-Zona-1 | Suma-Total-Zona-2 | Suma-Total-Zona-3 | Suma-Total-Zona-4 | Suma-Total-Zona-5 | Suma-Total-Zona-6 |
| --- | --- | --- | --- | --- | --- |
| 1,042,590,000.00 | 487,772,000.00 | 841,876,000.00 | 393,792,000.00 | 200,401,000.00 | 1,907,000.00 |
| 166,865,308.00 | 20,661,664.00 | 127,939,449.00 | 37,126,557.00 | 28,629,880.00 | |
| 418,735,000.00 | 365,484,000.00 | 343,144,000.00 | 512,833,000.00 | 254,849,000.00 | 5,237,000.00 |
| 70,405,000.00 | | 453,675,000.00 | 166,934,000.00 | 514,286,000.00 | |
| 956,293,563.00 | | 68,962,096.00 | 114,122,360.00 | 35,320,649.00 | 19,790,601.00 |
| 587,778,000.00 | 523,000.00 | 185,033,000.00 | 221,362,000.00 | 148,939,000.00 | 140,355,000.00 |
| 30,026,474.00 | 45,032,917.00 | 297,991,102.00 | 96,213,032.00 | 53,770,792.00 | |
| 384,104,011.00 | 372,007,970.00 | 290,851,619.00 | 83,530,096.00 | 206,236,363.00 | |
| 332,359,180.00 | 121,428,812.00 | 283,340,366.00 | 242,327,689.00 | 478,925,006.00 | 18,149,480.00 |
| 321,640,403.00 | 15,345,330.00 | 207,252,764.00 | 146,969,697.00 | 115,229,016.00 | 359,369,339.00 |
| 254,000,000.00 | 27,000,000.00 | 23,000,000.00 | 62,000,000.00 | 19,000,000.00 | |
| 159,378,991.00 | 53,501,293.00 | 100,699,233.00 | 56,729,636.00 | 62,068,244.00 | 7,268,825.00 |
| 252,397,312.00 | 40,297,196.00 | 134,537,893.00 | 142,530,689.00 | 74,885,244.00 | |
| 252,851,000.00 | 77,077,000.00 | 159,229,000.00 | 123,400,000.00 | 94,919,000.00 | 62,095,000.00 |
| 826,207,536.00 | 87,479,885.00 | 355,426,430.00 | 175,618,441.00 | 82,157,722.00 | |
| 6,055,631,778.00 | 1,713,611,067.00 | 3,872,957,952.00 | 2,575,489,197.00 | 2,369,616,916.00 | 614,172,245.00 |