Search Results - subject_exact:"Insurance"

Land protection, credit access, and the insurance gap : the De Soto trap

Hernani-Limarino, Werner - 2026

Bolivia's Ley 1720 (April 2026) allows smallholders to voluntarily convert constitutionally protected pequeña propiedad - land that cannot be seized by creditors - into pledgeable mediana propiedad, explicitly targeting the credit-access channel that Hernando de Soto popularized. This paper...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015654700

Equilibrium in the insurance chain under risk and ambiguity aversion

Lima, Luis Adrián - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015650822

On the drivers of customer needs and satisfaction in insurance : a small enterprises based study

Mussak, Pirmin; Stricker, Lukas - 2025

Das Segment der Kleinunternehmen, dem Unternehmen mit bis zu 49 Mitarbeitern angehören, wird von 70% der befragten Schweizer Schaden- und Lebensversicherungsunternehmen als wichtige strategische Zielgruppe in der Geschäftsentwicklung betrachtet. Trotz dieser Bedeutung wurde bisher...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015419471

The unintended consequences of farm insurance : a causal investigation of income, productivity and input dynamics

Biagini, Luigi - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015473198

Strike insurance : the labor question and the limits of insurance

Kaminski, Robert - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015451099

KPIs for sustainability : defining the strategy for a sustainable future in the insurance industry

Wedel, Lea - 2025

Sustainability transformation has gained traction across industries worldwide. Given their critical risk exposure, this transformation is of extreme precarity to the insurance industry. Yet, literature lacks a comprehensive approach for the development of a sustainability strategy covering the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015453483

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KPIs for sustainability: Defining the strategy for a sustainable future in the insurance industry

Wedel, Lea - 2025

Article

Assure or insure cyber risk? : nonprofessional investors' willingness to invest

Gauch, Kevin; Quick, Reiner - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015454740

Systemic risk in the European insurance sector

Bonaccolto, Giovanni; Borri, Nicola; Consiglio, Andrea; … - 2025

This paper investigates the dynamic interdependencies between the European insurance sector and key financial markets-equity, bond, and banking-by extending the Generalized Forecast Error Variance Decomposition framework to a broad set of performance and risk indicators. Our empirical analysis,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015413900

Achieving inclusive growth in sub-Saharan Africa : exploring the synergistic role of insurance and institutional quality

Horvey, Sylvester Senyo; Mensah, Jones Odei - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015462400

Economics of property insurance

Jung, Hyeyoon; Jung, Jaehoon - 2025

We study the economics of homeowners' property insurance by examining how contract design balances the trade-off between incentive alignment and risk sharing. Using granular contract-level property insurance data merged with property-level disaster risk for millions of U.S. households, we...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015550143

Insuring against disasters and poor institutions : remittances as aid and informal family insurance during typhoon Haiyan in the Philippines

Cabuay, Christopher; Resosudarmo, Budy P. - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015532386

Market or clan : a comparative study of risk sharing institutional evolution in China and Europe

Zhu, Wenge - 2024

In the psychological and sociological framework of risk, we establish a static and dynamic equilibrium model for risk-sharing institutional evolution. Particularly, through a comparative study of marine insurance development in China and Europe, we address a wide set of research questions...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015063916

Writing and reading new markets : insurance in Quebec : 1931-1960

Nelson, Heather - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015055311

Insurance, weather, and financial stability

Kahn, Charles M.; Panjwani, Ahyan; Santos, João A. C. - 2024 - This version, July 12, 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015056514

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Insurance, weather, and financial stability

Kahn, Charles M.; Panjwani, Ahyan; Santos, João A. C. - 2024

Book / Working Paper

Factors affecting profitability of insurance companies in Bangladesh

Samina, Quazi Sagota - 2024

Purpose: The purpose of this study is to evaluate profit earning capacity of insurance companies in Bangladesh and to identify both company specific and macro-economic factors that influence the profitability. Design/methodology/approach: This study uses panel data collected on 21 insurance...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015056582

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Factors affecting profitability of insurance companies in Bangladesh

Samina, Quazi Sagota - 2024

Article

Breaking the invisible chains with policy : how insurance companies can help end human trafficking in the hotel industry

Ludlow, John; Paraskevas, Alexandros - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014634689

Do higher insurance premiums provoke larger reported losses? : an experimental study

Morrison, William G.; Ruffle, Bradley J. - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015397449

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Do higher insurance premiums provoke larger reported losses? : an experimental study

Morrison, William G.; Ruffle, Bradley J. - 2024

Book / Working Paper

Payment systems, insurance, and agency problems in healthcare : a medically framed real-effort experiment

Karunadasa, Manela; Sieberg, Katri K. - 2024

Background: This study aims to examine the impact of different healthcare payment systems, specifically salary and fee-for-service (FFS) models, on service provision, patient welfare, and quality of care. The influence of payment models on healthcare delivery and patient outcomes, as well as how...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015073224

Insurance against income shocks, parental investments, and child development

Carneiro, Pedro; Salvanes, Kjell G.; Tominey, Emma - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015078286

Risk sharing in equity-linked insurance products : Stackelberg equilibrium between an insurer and a reinsurer

Havrylenko, Yevhen; Hinken, Maria; Zagst, Rudi - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014485603

Microequity : some thoughts for an emerging research agenda

Meki, Muhammad; Quinn, Simon - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014526429

Is subjective well-being insured against income shocks? : evidence from 20-year panel data in South Korea

Kim, Seonghoon; Ahn, Taehyun - 2024

Using 20 years of nationally representative panel data in South Korea, we estimate how life satisfaction responds to income shocks. We document that unexpected income changes significantly impact an individual's life satisfaction, and the magnitudes depend on the persistence of income shocks. We...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015144092

The emergence of financial capital in the health insurance business in Europe : the case of Spain in the last fifty years

Vilar Rodríguez, Margarita; Pons Pons, Jerònia - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015154548

Arbitration between insurance and self-insurance against natural risks

Zerbo, Guibri - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015095350

Higher education subsidies and the universal insurance against a short life

Ponthière, Grégory - 2024

This paper examines the potential role of higher education subsidies as an insurance device against the risk of having a short life, that is, as a device reducing the variance in lifetime well-being due to unequal longevities. We use a two-period dynamic OLG economy with human capital and risky...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015163175

Climate risk, insurance premiums, and the effects on mortgage and credit outcomes

Ge, Shan; Johnson, Stephanie; Tzur-Ilan, Nitzan - 2024 - This draft: January 1, 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015207186

The use of clustering in analysis of business lines in the insurance industry in conditions of crisis : the case of Lloyd's of London

Frączek, Bożena; Roch, Zuzanna - 2024

In an era of the overlapping effects of the Covid pandemic and the conflict in Ukraine, it is worth taking a closer look at the markets that focus on risk management, that is, the insurance market, in terms of its further organization and development. The aim of the paper is to examine how the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015189747

Psychological dynamics of unit-linked insurance product decision-making : a cognitive model

Tsai, Chia-Chun; Chen, Li-Yu; Huang, Chen-Wei; Zeng, Peng-Yu - 2024

Investment and insurance constitute pivotal subjects in financial management, especially in an era characterized by inflation. Unit-Linked Insurance Plans (ULIPs), with a unique combination of investment risks and insurance protection, potentially trigger distinct psychological processes that...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015193497

Socio-demographic determinants of insurance literacy among university students in Indonesia

Siregar, Reza Yamora; Serpina, Nada - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015447455

Doing business in the public interest

Murphy, Sharon Ann - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015450338

"Numberless little risks" : "tropical exposure" in globalizing actuarial discourse, 1852-1947

Aitken, Rob - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014490071

Underwriting empire : marine insurance and female agency in the French Atlantic World

Wade, Lewis - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014490101

Model averaging and grid maps for modeling heavy-tailed insurance data

Mothibe, Lira B.; Shongwe, Sandile C. - 2026

This work presents a practical approach to improve risk quantification for heavy-tailed insurance claims through model averaging and grid map visualization, addressing the drawbacks of traditional single "best" model selection commonly used in actuarial and model-fitting literature. This is a...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015611274

Open Insurance in der deutschsprachigen Assekuranz : Chancen, Risiken und Entwicklungspotenziale

Florin, Gian; Eling, Martin - 2026

The present study examines the influence of major and mega events on the holiday travel planning of the German resident population in 2024. The focus lies on sports and music events, which took place in large numbers in 2024 and represent an important part of the leisure time behaviour for many...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015611890

Insuring algorithmic operations : liability risk, pricing, and risk control

Liu, Zhiyong John; Park, Jin; Wang, Mengying; Wen, He - 2026

Businesses increasingly rely on algorithmic systems and machine learning models to make operational decisions about customers, employees, and counterparties. These "algorithmic operations" can improve efficiency but also concentrate liability in a small number of technically complex, drifting...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015614146

The insurance value of public insurance against idiosyncratic income risk

Busch, Christopher; Madera, Rocio - 2026

The tax and transfer system partially insures households against individual income risk. We build a framework to assess the size and (welfare) value of this partial insurance, which is based on exploiting distributional differences between household gross income and disposable income. Our...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015596659

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The insurance value of public insurance against idiosyncratic income risk

Busch, Christopher; Madera, Rocío - 2026

Book / Working Paper

Measuring the impact of property insurance premiums on the mortgage market

Meisenzahl, Ralf R.; Polacek, Andy; Ramnath, Shanthi; … - 2026

We document that increases in property insurance premiums reduce mortgage originations. The effect is strongest for the rate refinancing and cash-out refinancing segments. We show that denials associated with increased premiums are significantly more likely attributed to high debt-to-income...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015591522

When banks and insurers move together : why systemic risk lives in the tails?

Benlaghaa, Noureddinne; Shafiqa, Fahad; Al-Derhamand, … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015592004

Effect of inflation on insurers' main financial indicators with panel data in the US P&C insurance industry

Dionne, Georges; Desjardins, Denise - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015604941

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Effect of inflation on insurers' main financial indicators with panel data in the US P&C insurance industry

Dionne, Georges; Desjardins, Denise - 2025

Book / Working Paper

Climate change, catastrophes, insurance and the macroeconomy

Giuzio, Margherita; Rousová, Linda; Kapadia, Sujit; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015583665

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Climate change, catastrophes, insurance and the macroeconomy

Giuzio, Margherita; Rousová, Linda; Kapadia, Sujit; … - 2026

Book / Working Paper

Homeowners insurance and the transmission of monetary policy

Damast, Dominik; Kubitza, Christian; Sørensen, Jakob Ahm - 2026

We document a novel transmission channel of monetary policy through the homeowners insurance market. On average, contractionary monetary policy shocks result in higher homeowners insurance prices. Using granular data on insurers' balance sheets, we show that this effect is driven by the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015606835

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Homeowners insurance and the transmission of monetary policy

Damast, Dominik; Kubitza, Christian; Sørensen, Jakob Ahm - 2025

Book / Working Paper

Consumption Insurance over the life cycle

Cerletti, Enzo A.; Cortés, Tomás - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015625261

The next generation of insurance supervision : resourcing the future

Lopez Moreira, Carlos; Simon, Jordan Iilonga; Yong, Jeffery - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628195

Risk-informed machine learning models for renewal classification in motor insurance

Boonkrong, Pichit; Yang, Junwei; Huang, Xueyuan; … - 2026

This study develops an interpretable machine learning framework for type 1 motor insurance renewal classification using 70,290 real-world Thai policies, providing essential insights for pricing, customer retention, and operational decision making. The dataset was partitioned into a 70% training...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015639023

Collusion between retailers and customers : the case of insurance fraud in Taiwan

Picard, Pierre; Wang, Jennifer; Wang, Kili C. - 2026

This study analyzes how the insurance distribution channel can affect insurance fraud. It uses econometric models that confirm the existence of claim manipulation as a form of insurance fraud, whereby policyholders circumvent the bonus-malus system and reduce the actual burden of insurance...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015639033

Socioeconomic and regional determinants of inclusive insurance participation in Indonesia

Fitriani, Rika; Gweon, Hyukjun; Li, Shu - 2026

Inclusive insurance plays a critical role in reducing household vulnerability in developing countries such as Indonesia. This study investigates the factors influencing inclusive insurance participation across regencies in the Special Region of Yogyakarta Province using multinomial logistic...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015639167

Advanced insurance risk modeling for pseudo-new customers using balanced ensembles and transformer architectures

Solly, Finn L.; Soriano-Gonzalez, Raquel; Juan, Angel A.; … - 2026

In insurance portfolios, classifying customers without a prior history at a given company is particularly challenging due to the absence of historical behavior, extreme class imbalance, heavy-tailed loss distributions, and strict operational constraints. Traditional machine learning approaches,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015640346

Paying a high premium : how climate change is crippling homeowner's insurance and fueling a housing crisis

Semenova, Alla - 2026

This paper examines the growing impacts of climate change in the US homeowner's insurance industry. As climate change-driven weather extremes and natural disasters have accelerated in their frequency and severity, they have inflicted increasingly more residential property damage and destruction,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015644047

Digital transformation in the insurance industry : challenges and strategic insights

Malifete, Linda; Mushavhanamadi, Khathutshelo; … - 2026

The insurance industry is under increasing pressure to undergo digital transformation as global markets, customer demands, and regulatory requirements evolve. Despite this growing importance, the sector continues to face persistent obstacles that hinder progress. This study investigates the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015656164

Size versus allocation in capital market development : evidence from pension funds and insurance companies

Lappe, Marie-Sophie; Pinkus, David - 2026

The European Union's capital markets remain small and fragmented, limiting investment in the real economy. This is not because of a shortage of household savings but rather that those savings are kept in currency and deposits rather than channelled into capital markets. Insurance companies and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015656350