Managing Natural Catastrophe Risk: State Insurance Programs in the United States
Managing Natural Catastrophe Risk: State Insurance Programs in the United States
复制标题
管理自然灾害风险：美国的国家保险计划
DOI：
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发表时间：
2011
影响因子：
5.4
通讯作者：
C. Kousky
中科院分区：
文献类型：
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作者：
C. Kousky
本文调查了美国的州强制计划，旨在为无法在私人市场上找到保单的财产所有者和企业提供自然灾害保险。本文概述了十个提供风能或地震保险的州计划，并概述了建立此类计划的动机。讨论了设计和运营决策的含义，如定价策略和合同选项，以及这些计划如何与私人财产保险市场互动。最后，文章考察了这些计划是否能够应对真正灾难性的亏损年，并描述了联邦政府支持这些计划的建议。
This article surveys state-mandated programs in the United States aimed at providing natural catastrophe insurance to property owners and businesses unable to find policies in the private market. The article provides an overview of ten state programs that offer wind or earthquake coverage and outlines the motivation for establishing such programs. The implications of design and operation decisions, such as pricing strategies and contract options, are discussed, as well as how these programs interact with the private property insurance market. Finally, the article examines whether such programs can handle a truly catastrophic loss year and describes proposals for federal support of these programs.