Search Results - subject_exact:"Versicherung"

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

Florin, Gian; Eling, Martin - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015614586

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

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

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

Identifying and ranking the eight risks of AI for each of the six main AI-focused fintech business models

Zarifis, Alex; Cheng, Xusen - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015651222

Strengthening cyber resilience through insurance

Pain, Darren; Romanosky, Sasha - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015653876

Expediting sectoral decarbonisation : strategic implications for the insurance industry

Golnaraghi, Maryam; Vichev, Zhelyan - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015653885

Protection & Indemnity Insurance for India

Shrotriya, Shishir; Gupta, Deeksha; Siṃha, Sanjīva - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015632892

Energy crisis relief as implicit insurance : fossil import dependence and policy design

Beaufils, Timothé; Eydam, Ulrich; Heinemann, Maik; … - 2026

European economies rely heavily on fossil fuel imports and are exposed to global price shocks. Relief measures face a trilemma: targeting, incentives, and feasibility rarely align. Relief measures can function as taxpayer-financed implicit insurance against energy crises. Based on recent crisis...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015666844

Sustainability reporting in the Swiss and European insurance industry

Biener, Christian; Lamesic, Karla; Walthes, Felix M. - 2026

This whitepaper examines how leading Swiss and European insurers approach sustainability reporting, drawing on a systematic analysis of sustainability reports published by 24 insurers between 2021 and 2024 and structured interviews with 12 industry executives. The study traces the consolidation...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015636525

Wirksamkeit und Effizienz der Versicherungsregulierung in der deutschsprachigen Assekuranz

Oertle, Davide; Eling, Martin - 2026

Diese Studie untersucht die Wirksamkeit und Effizienz der Versicherungsregulierung in Deutschland, Österreich und der Schweiz seit 2014. Aufbauend auf Eling und Kilgus (2014) verbinden wir einen strukturierten Kriterienkatalog zu wirksamer Regulierung mit einer breit angelegten...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015669555

Determinants of insurance distress recovery

Beyer, Marcel - 2026 - This version: June 2026

This paper investigates the determinants of distress recovery of insurance companies. I develop three complementary distress definitions capturing market-based signals. To address model uncertainty and heterogeneity across firms and states of the world, I apply a mixture-ofexperts framework to...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015665547

Enhancing sustainability : the impact of ESG factors in global insurance performance

Meral, Hasan; Ersoy, Behlul; Dogan, Mesut - 2026

Sustainability has become a critical concern in finance, in particular for the insurance industry, which faces rising environmental and social risks. This paper examines the influence of environmental, social, and governance (ESG) factors on the performance of global insurance companies. Using a...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015664810

Assekuranz 2030: Quo Vadis?

Eling, Martin - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015416735

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Assekuranz 2030: Quo Vadis?

Eling, Martin - 2025

Book / Working Paper

Künstliche Intelligenz in der Versicherung: Von der Dunkelverarbeitung zu autonomen Agenten

Oletzky, Torsten; Delbrück, Moritz - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015590636

Solvency requirements for insurers : Ukrainian practices and international experience

Novosolova, Olena - 2025

The relevance of the study was due to the transformation of approaches to regulating the solvency of insurers in the world's leading economies and the need to adapt the Ukrainian insurance supervision system to international standards. Countries with developed insurance markets use capital...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015616705

Predicting default risk bancassurance using GMDH and dce-GMDH neural network models

Jaber, Jamil; Alkhawaldeh, Rami S.; Khatatbeh, Ibrahim N. - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015618739

Systemic risk and the insurance sector : a network perspective

Sylos Labini, Stefania; D'Apolito, Elisabetta; Nyenno, Iryna - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015101848

ESG-Kriterien - welchen Beitrag kann die Versicherungswirtschaft zur Transformation leisten?

Url, Thomas - 2025

Der Investitionsbedarf für die Transformation zu einer klimaneutralen Wirtschaft in Europa wird von der Europäischen Kommission in der Basisvariante auf jährlich 7% bis 8% des Bruttoinlandsproduktes geschätzt. Die Versicherungswirtschaft kann die Transformation in erster Linie durch eine...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015205184

Keynes and the Provincial investment problem

Woods, J. E. - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015371074

Subsidizing inclusive insurance to reduce poverty

Flores-Contró, José Miguel; Henshaw, Kira; Loke, Sooie-Hoe - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015371147

Technology investment and insurer efficiency

Neale, Faith R.; Peterson Drake, Pamela; Jin, Licheng; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015371446

Insurtech strategies : a comparison of incumbent insurance firms with new entrants

Holland, Christopher P.; Kavuri, Anil Savio - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015371450

Risk attitudes towards on-demand insurance : an experimental study

Chang, Hsiao-Yin; Schmeiser, Hato - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015371452

How do the barriers that prevent or hinder the applicability of artificial intelligence impact its use in an insurance company

Tavares, Edval da Silva; Leardini, Michel; Pessoa, Marcelo - 2025

Purpose - The purpose of this paper is to report on how the barriers that prevent or hinder the applicability of artificial intelligence (AI) impact its use in an insurance company. Design/methodology/approach - Through bibliographic research, this paper maps the literature to identify the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015372841

The effect of inflation on US insurance markets

Dionne, Georges; Fenou, Akouété-Tognikin; Mnasri, Mohamed - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015326194

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The effect of inflation on US insurance markets

Dionne, Georges; Fenou, Akouété-Tognikin; Mnasri, Mohamed - 2025

Book / Working Paper

Incomplete markets as correlated distortions

Armangue-Jubert, Tristany; Pietrobon, Davide; Ruggieri, … - 2025

We argue that capital misallocation arises endogenously due to incomplete consumption insurance. We model risk-averse entrepreneurs with heterogeneous productivity who face idiosyncratic output shocks and choose how much capital to rent before uncertainty unfolds. We show that incomplete markets...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015272991