arrangement by which a number of insurers and/or reinsurers share a risk, risk covered by several insurers by means of a single contract charging a global premium, an arrangement under which two or more insurers or reinsurers are each liable for a proportion of losses (loss sharing), olukord, kus sama kindlustus või sama varaga seotud kindlustusriskide kindlustus jagatakse mitme kindlustusandja vahel määratud osades