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Cost valuation technologies
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When valuing enterprises' material and intangible assets specialists of "IndEcoExpert Ltd." use the most representative for given aims methods:
- "cost" method;
- "benefit" method;
- "market comparison" method;
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Technologies used in projects for enterprises with hazardous production facilities
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Financial stability of enterprises mostly depends upon accident rates of hazardous production facilities and related financial losses. Accidental factors (natural and technogeneous) interact between each other. Regularity of
theirs exhibition in different regions and enterprises vastly determines by "human factor" and "operation error".. This is one of difficulties of expected accidentability and potential injury value assessment. Carrying out of such assessments are subjec
ted to scientific insight and skills of experts in industrial-ecological safety and complex insurance. Experts analyze rates and scales of potential accident outcomes for property and staff of enterprise, third party and environment and also lost profit
estimation.
"IndEcoExpert Ltd." use the most progressive methods for potential hazard of industrial facilities assessment:
- "mortality index";
- statistical "lower-bond hazard estimation" method;
- "estimation of maximum loss" (upper-bond hazard estimation) - method is really being used on modern insurance market primarily by western insurance and reinsurance companies;
- quantitative risk assessment, the basic concept of which appears as formation of all accident scenarios with further estimation of realization rate for each scenario and damage scale determination.
The basic steps are the following:
Hazard (risk) identification
On this step factors and units of technological process, the most likely to cause accident, are to be found out. Attention is drowning to bringing out of the technological, environmental and human (social) risk factors and t
heir interaction.
Risk assessment and analysis
This step is devoted to analysis of potential accident rates and scales of outcomes for:
- enterprise property;
- enterprise personnel;
- third party residents and environment;
- business interruption (profit loss);
Risk management
Risk management policy making consists of two basic principles: providing of enterprise capability to prevent and control major technological risks, and ability to keep function in spite of any accidents and their accumulati
on.
"Risk management programs" elaborated by "IndEcoExpert Ltd." specialists allow
- to rank risk prevention measures;
- get maximum risk reduction and damage prevention on the unit of investments in industrial and ecological safety;
- reflect recommendations for uncontrolled risks' insurance;
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Technologies used in projects for insurance and reinsurance companies
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One of "IndEcoExpert Ltd." activities appears to be the pre-insurance auditing (survey) of hazardous production facilities purposely for determination of insurance parameters, optimally defending insurer's and underwriter's
interests.
During survey maximum loss consisted from material damage and business interruption loss is being estimated.
Loss adjuster functions implicate the following:
- accident circumstances investigation;
- accident place survey and drafting of accident place survey Protocol;
- matter analysis of accident circumstances and causes inspection, prepared by State commission for technical inspection of accident causes on hazardous industrial facility;
- estimation of damage, caused by accident and valuation of damage control;
- damage control estimate analysis;
- conclusions on recognition or nullification of accident as an "insured".
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© IndEcoExpert Ltd., 2001
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