Mutual insurance

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Mutual insurance is a type of insurance where those protected by the insurance (policyholders) also have certain "ownership" rights in the organization. These "ownership" rights typically consist of the ability to elect the management of the organization and to participate in a distribution of any net assets or surplus should the organization cease doing business. Historically, insurance began in the USA through a mutual (or cooperative) structure. Recently, some insurance companies have gone through demutualization and become public companies in an effort, among other things, to improve their ability to acquire capital.

The global cooperative union for the industry, the International Cooperative and Mutual Insurance Federation, claims 142 members in 70 countries, in turn representing 400 insurers.[1]

Contents

  1. ^ ICMIF: Members list. Retrieved on December 11, 2006.

 v • d • e Co-operatives
Types of Cooperatives

Agricultural cooperative | Building cooperative | Credit union | Consumers' cooperative | Cooperative banking
Cooperative federation | Cooperative union | Cooperative Wholesale Society | Housing cooperative
Mutual insurance | Retailers' cooperative | Social cooperative | Utility cooperative | Worker cooperative
The Rochdale Principles

Voluntary and open membership | Democratic member control | Member economic participation
Autonomy and independence | Education, training, and information | Cooperation among cooperatives
Concern for community
Political and Economic Theories

Cooperative federalism | Distributism | Owenism | Socialism
Social enterprise | Socially responsible investing
Key Theorists

Robert Owen | William King | The Rochdale Pioneers | G. D. H. Cole
Charles Gide | Beatrice Webb | Friedrich Raiffeisen | David Griffiths
Organizations

List of cooperatives | List of cooperative federations | International Co-operative Alliance
Co-operativesUK | Co-operative Party
Retrieved from "http://en.wikipedia.org/wiki/Mutual_insurance"
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