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Pool Reinsurance Company Limited, also known as Pool Re, was set up in 1993 by the insurance industry in cooperation with the UK Government in the wake of the IRA bombing of the Baltic Exchange in 1992. Pool Re is a mutual reinsurer whose (Members ) comprise the vast majority of insurers and Lloyd’s Syndicates which offer commercial property insurance in the UK, with membership of the scheme affording them a guarantee which ensures that they can provide cover for losses resulting from acts of terrorism, regardless of the scale of the claims. The Scheme, which is recognised as a leading example of public/private partnership in the UK, is owned by its Members but is underpinned by a HM Treasury commitment to support Pool Re if ever it has insufficient funds to pay a legitimate claim. Pool Re pays a premium to Government for this guarantee and would repay the money over time if it ever used this facility. However, in the event of a loss resulting from an act of terrorism, each Member must first pay losses up to a threshold, which is determined individually for that insurer. When losses exceed that threshold, the insurer can claim upon Pool Re’s reserves. These reserves have been accumulated by the members of Pool Re since its inception. It is only in the event that these reserves are exhausted that Pool Re would require Government support. ==History== Initially, Pool Re was established following a series of terrorism incidents in the early 1990s in London and elsewhere in England related to the situation in Northern Ireland at that time. The cost of these losses caused insurers and reinsurers to focus on the difficulties of providing terrorism cover for commercial properties, in particular the high potential cost of losses and the lack of any reliable method of estimating what the future loss experience might be. Insurers depended on reinsurers for financial protection should very large claims occur and, accordingly, both insurers and reinsurers decided they could no longer provide terrorism cover using traditional methods. Yet, any withdrawal of terrorism insurance that left areas of business unprotected would potentially have had serious consequences for the UK economy. It became necessary, therefore, to devise a new mechanism for providing this type of cover, without leaving insurers or reinsurers open to substantial losses for which there was no reliable method of calculating accurate premiums. During the latter part of 1992 it became clear that any new scheme would require the joint involvement of the insurance industry and government. Following extensive dialogue, a suitable structure emerged and the details of the Pool Re scheme were developed. The Pool Re scheme began operations in 1993 and has subsequently been involved in claims arising from thirteen separate terrorism incidents covering losses of over £600 million.〔(【引用サイトリンク】url=https://www.poolre.co.uk/ )〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Pool Re」の詳細全文を読む スポンサード リンク
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