ANU Self Insurance Reserve Pool Losses 2022

Major universities such as ANU organize budget responsibilities by layers, beginning from smaller units such as colleges and departments. In addition, ANU owns or is affiliated with several other organizations such as ANU Enterprise Pty Ltd, ANU Union, and so forth. Rather than have each financially responsible unit purchase insurance according to their own needs, in 1994 ANU organized the so-called "Self-Insurance Reserve" or SIR for short. The Self Insurance Reserve (SIR) pool is "for insurance losses that except for the policy excess or coverage limit, would otherwise be covered under the commercial insurance program." In this way, the university facilitates economies of scale and reduces costs of insurance purchases. These data are for losses over the years 2012-2020. A more detailed description of the data and ANU's risk management context is available at Frees and Butt (2022), "ANU insurable risks," Australian National University Open Research Library, https://doi.org/10.25911/0SE7-N746.

诸如澳大利亚国立大学（Australian National University，以下简称ANU）这类顶尖高等院校均采用分层级的预算责任管理架构，其管理起始于学院、系所等基层业务单元。此外，ANU还拥有或附属有ANU企业私人有限公司（ANU Enterprise Pty Ltd）、ANU学生会（ANU Union）等多家机构。不同于各财务责任主体按需自行采购保险的传统模式，ANU于1994年设立了所谓的“自我保险储备金（Self-Insurance Reserve，简称SIR）”。该自我保险储备金池的保障范围为“扣除保单免赔额或承保上限后，原本应由商业保险计划赔付的保险损失”。通过此种模式，该校实现了保险采购的规模经济，有效降低了保险购置成本。本数据集涵盖2012年至2020年间的相关损失数据。关于本数据集以及ANU风险管理背景的更详细说明，可参阅Frees与Butt于2022年发表的《ANU可保风险》一文，刊载于澳大利亚国立大学开放研究图书馆，链接为：https://doi.org/10.25911/0SE7-N746。