It is necessary that, over and above technical provisions, including mathematical provisions, of sufficient amount to meet their underwriting liabilities, assurance undertakings should possess a supplementary reserve, known as the solvency margin, represented by free assets and, with the agreement of the competent authority, by other implicit assets, which shall act as a buffer against adverse business fluctuations.
Potrebno je, da imajo zavarovalnice poleg zavarovalno-tehničnih rezervacij, vključno z zadostnimi matematičnimi rezervacijami za izpolnitev njihovih obveznosti iz zavarovalnih pogodb, dodatno rezervo, znano kot minimalni kapital, ki jo predstavljajo prosta sredstva in s soglasjem pristojnih organov druga implicitna sredstva, ki delujejo kot varovalo pred neugodnimi poslovnimi nihanji.