Disaster Insurance Reimagined
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Disaster Insurance Reimagined
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Author : Paula Jarzabkowski
language : en
Publisher: Oxford University Press
Release Date : 2023-08
Disaster Insurance Reimagined written by Paula Jarzabkowski and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-08 with categories.
This is an open access title available under the terms of a CC BY-NC-ND 4.0 International licence. It is free to read at Oxford Academic and offered as a free PDF download from OUP and selected open access locations. This book examines the growing role and importance of 'Protection Gap Entities' (PGEs), not-for-profit entities providing insurance protection that would otherwise be unavailable within a purely private sector context. Around the world, PGEs and the insurance instruments they use are becoming increasingly crucial in making sure that funds are available to rebuild after disasters. These PGEs, typically developed as collaborations between governments and the insurance industry, enable insurance to continue at a time when climate change, urbanization, global interdependence, and geo-political instability are making disaster insurance increasingly expensive or unavailable. Given their growing importance, understanding the role of PGEs in both insurance protection and their potential to create a more resilient society is critical. Disaster Insurance Reimagined uses practical examples from different countries to explain how PGEs step in to maintain disaster insurance and how their work can, but does not always, improve financial and physical resilience to disaster. Drawing on 5 years of research into 17 entities that provide insurance cover in 49 countries, the authors examine the strengths, limitations, and evolution of PGEs in providing disaster protection in the face of a growing insurance crisis. They provide an accessible discussion of disaster insurance, its complexities, and the transformation it needs to undergo in order to remain relevant and to contribute to meaningful disaster protection. PGEs and their work offer a path to re-imagining disaster insurance as a key tool in an ecosystem that has societal protection from disaster at its heart.
Disaster Insurance Reimagined
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Author : Paula Jarzabkowski
language : en
Publisher: Oxford University Press
Release Date : 2023-07-11
Disaster Insurance Reimagined written by Paula Jarzabkowski and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-07-11 with Business & Economics categories.
This is an open access title available under the terms of a CC BY-NC-ND 4.0 International licence. It is free to read at Oxford Academic and offered as a free PDF download from OUP and selected open access locations. This book examines the growing role and importance of 'Protection Gap Entities' (PGEs), not-for-profit entities providing insurance protection that would otherwise be unavailable within a purely private sector context. Around the world, PGEs and the insurance instruments they use are becoming increasingly crucial in making sure that funds are available to rebuild after disasters. These PGEs, typically developed as collaborations between governments and the insurance industry, enable insurance to continue at a time when climate change, urbanization, global interdependence, and geo-political instability are making disaster insurance increasingly expensive or unavailable. Given their growing importance, understanding the role of PGEs in both insurance protection and their potential to create a more resilient society is critical. Disaster Insurance Reimagined uses practical examples from different countries to explain how PGEs step in to maintain disaster insurance and how their work can, but does not always, improve financial and physical resilience to disaster. Drawing on 5 years of research into 17 entities that provide insurance cover in 49 countries, the authors examine the strengths, limitations, and evolution of PGEs in providing disaster protection in the face of a growing insurance crisis. They provide an accessible discussion of disaster insurance, its complexities, and the transformation it needs to undergo in order to remain relevant and to contribute to meaningful disaster protection. PGEs and their work offer a path to re-imagining disaster insurance as a key tool in an ecosystem that has societal protection from disaster at its heart.
Disaster Insurance Protection
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Author : Howard C. Kunreuther
language : en
Publisher:
Release Date :
Disaster Insurance Protection written by Howard C. Kunreuther and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.
Understanding Disaster Insurance
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Author : Carolyn Kousky
language : en
Publisher: Island Press
Release Date : 2022-10-13
Understanding Disaster Insurance written by Carolyn Kousky and has been published by Island Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-10-13 with Architecture categories.
The frequency and intensity of natural disasters is on the rise. Insurance, an often confusing and unpopular tool, will be critical to successfully emerging from the effects of these crises. Understanding Disaster Insurance provides an accessible introduction to the complexities--and exciting possibilities--of risk transfer markets in the U.S. and around the world. Carolyn Kousky, a leading researcher on disaster risk and insurance, explains how traditional insurance markets came to be structured and why they fall short in meeting the needs of a world coping with climate change. She then offers realistic, yet hopeful, examples of new approaches. Understanding Disaster Insurance is a useful guidebook for policymakers, innovators, students, and other decision makers working to secure a resilient future--and anyone affected by wind, fire, rain, or flood.
Sovereign Natural Disaster Insurance For Developing Countries A Paradigm Shift In Catastrophe Risk Financing
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Author : Francis Ghesquiere
language : en
Publisher: World Bank Publications
Release Date : 2012
Sovereign Natural Disaster Insurance For Developing Countries A Paradigm Shift In Catastrophe Risk Financing written by Francis Ghesquiere and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with categories.
Economic theory suggests that countries should ignore uncertainty for public investment and behave as if indifferent to risk because they can pool risks to a much greater extent than private investors can. This paper discusses the general economic theory in the case of developing countries. The analysis identifies several cases where the government's risk-neutral assumption does not hold, thus making rational the use of ex ante risk financing instruments, including sovereign insurance. The paper discusses the optimal level of sovereign insurance. It argues that, because sovereign insurance is usually more expensive than post-disaster financing, it should mainly cover immediate needs, while long-term expenditures should be financed through post-disaster financing (including ex post borrowing and tax increases). In other words, sovereign insurance should not aim at financing the long-term resource gap, but only the short-term liquidity need.
Federal Reinsurance For Disasters
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Author : David Torregrosa
language : en
Publisher: DIANE Publishing
Release Date : 2002
Federal Reinsurance For Disasters written by David Torregrosa and has been published by DIANE Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with Disaster insurance categories.
Managing Catastrophic Disaster Risks Using Alternative Risk Financing And Pooled Insurance Structures
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Author : John D. Pollner
language : en
Publisher: World Bank Publications
Release Date : 2001-01-01
Managing Catastrophic Disaster Risks Using Alternative Risk Financing And Pooled Insurance Structures written by John D. Pollner and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001-01-01 with Business & Economics categories.
This report examines the existing constraints and opportunities to implement a catastrophe insurance system which can resolve the key obstacles currently impeding broader implementation of a risk funding approach. The four main pillars in such a strategy involve: strengthening the insurance sector regulatory requirements and supervision; establishment of broad based pooled catastrophe funding structures with efficient risk transfer tools; promoting public insurance policies linked to programs for loss reduction in the uninsured sectors; and strengthening the risk assessment and enforcement of structural measures such as zoning and building code compliance.
Catastrophe Insurance
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Author : Jayshree Bose
language : en
Publisher:
Release Date : 2005
Catastrophe Insurance written by Jayshree Bose and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005 with Disaster insurance categories.
Hurricanes, earthquakes, cyclones, tsunamis, volcanoes, floods, and forest fires today, the private insurance industry is grappling with the arcane New Generation Mega Disaster concept. This book explores catastrophe insurance in the context of the changi
Disaster Insurance Protection
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Author : Howard Kunreuther
language : en
Publisher: John Wiley & Sons
Release Date : 1978
Disaster Insurance Protection written by Howard Kunreuther and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 1978 with Business & Economics categories.
Natural Disaster Insurance For Sovereigns Issues Challenges And Optimality
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Author : Aliona Cebotari
language : en
Publisher:
Release Date : 2020-01-17
Natural Disaster Insurance For Sovereigns Issues Challenges And Optimality written by Aliona Cebotari and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-01-17 with categories.
Natural disasters are a source of economic risks in many countries, especially in smaller and lower-income states, and ex-ante preparedness is needed to manage the risks. The paper discusses sovereign experience with disaster insurance as a key instrument to mitigate the risks; proposes ways to judge the adequacy of insurance; and considers ways to enhance its use by vulnerable countries. The paper especially aims to inform policy decisions on disaster insurance. Through simulations of natural disasters and various insurance options, we find that sovereign decisions on optimal risk transfer involve balancing trade-offs between growth and debt, based on government risk preferences and country risk exposure. The choice of optimal insurance for smaller countries turns out to be more constrained by cost considerations due to their higher exposure, likely resulting in underinsurance; donor grants could help them achieve a more optimal protection. We also find that optimal insurance packages are those that are least costly relative to expected payouts (i.e. have the lowest insurance multiple), which are also the packages that insure less severe (more frequent) disasters.