Losses

In insurance terms, “losses” are defined somewhat more specifically than they are in everyday speech.

Losses, in insurance, represent a loss of wealth. In more clear terms: A loss is the difference between an insurance policyholder’s current wealth and their presumed state of wealth before being hit by a peril.

There are many ways in which losses can be defined, and a loss may or may not affect the policyholder’s actual financial assets (their bank account balance, for example). Reductions in the value of property (like a building or a car) due to theft or legal expenses may also be defined as “losses”.

A general insurance policy protects the insured person against possible losses.

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Benjamin Manz is CEO of moneyland.ch and an independent expert on banking and finance.

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