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市場調查報告書

自然及人身異常災害的保險

Insight Report: Insuring Against Natural and Man-Made Catastrophes

出版商 Timetric 商品編碼 347587
出版日期 內容資訊 英文 34 Pages
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自然及人身異常災害的保險 Insight Report: Insuring Against Natural and Man-Made Catastrophes
出版日期: 2015年12月23日 內容資訊: 英文 34 Pages
簡介

本報告以自然異常事故保險及人身異常事故保險市場為主題,提供主要的市場趨勢、高經濟損失與損失補償額的原因,及異常事故保險市場上的保險差距擴大等相關分析、電腦網路風險與恐怖主義者攻擊的人身異常災害的關注、自然風險與人身風險的性質概要等彙整資料。

第1章 摘要整理

第2章 異常事故保險新的動態

第3章 自然大災害趨勢

第4章 人身大災害趨勢

第5章 政府、多元化企業所扮演的角色

  • The Turkish Catastrophe Insurance Pool (TCIP) :為了擴大異常災害的對象範圍的強制保險
  • TRIA (美國) :保險產業可以恐怖行動為目標範圍

第6章 巨災債券市場

第7章 填補異常事故保險的間隙

第8章 附錄

圖表一覽

目錄
Product Code: IS1092MR

Timetric's 'Insight Report: Insuring Against Natural and Man-Made Catastrophe' analyzes the market for natural and man-made catastrophe insurance, in the midst of increasing frequency and severity of catastrophic incidents.

The catastrophe insurance market is more prevalent in developed countries, as most of the insured loss emanates from developed regions, particularly the US. This is due to a higher rate of catastrophe insurance penetration into these markets compared to developing regions. Higher property values and greater accumulation of insured assets in areas exposed to catastrophes, contribute to substantial insured loss in developed regions. However, the most economic loss due to natural catastrophes emanates from developing economies due to underinsurance of catastrophe risk. Part of this is due to relatively immature nature of insurance markets in developing markets, meaning lack of catastrophe insurance availability.

Multilateral institutions, such as the World Bank, are playing a significant role in building the market for catastrophe insurance in developing economies, which tend to lack the expertise to understand and insure complex risks attached to natural and man-made catastrophes. Multilateral institutions can empower governments and insurers to offer catastrophe insurance by providing both capital and expertise.

The report also discusses in detail the efforts made by insurers and governments to fill the insurance 'gap' between economic and insured losses, signifying global opportunities for the insurance industry. Insurers, government and multilateral organizations are making a concerted effort to confront challenges in the catastrophe insurance market through a process of product innovation and deployment of new technologies.

Summary

Timetric's 'Insight Report: Insuring Against Natural and Man-Made Catastrophes' provides detailed analysis of insuring natural and man-made catastrophes. It provides:

  • Insights into the key market trends in natural and man-made catastrophe insurance.
  • Analysis of the causes behind high economic and insured losses, and the rising insurance gap in catastrophe insurance market.
  • An overview of the nature of natural and man-made risk. It focuses on man-made catastrophes such as cyber risk and terrorist attacks.
  • Detailed understanding of catastrophe bonds as an alternative platform to transfer risk to the capital market.

Scope

  • Build insights on business opportunities for insurers to provide catastrophe insurance, as the insurance 'gap' increases.
  • Analyze the growth of the catastrophe bond market and its acceptance as a mainstream financial instrument.
  • Analyze the rationale behind government participation in catastrophe insurance, and the repercussions of offering catastrophe cover at heavily subsidized premiums.
  • Understand the contribution of multilateral institutions to the development of catastrophe insurance using sustainable business models.

Reasons To Buy

  • Develop insights into the current developments in the catastrophe insurance market.
  • Gain an understanding of the scale of economic and insured losses due to natural and man-made catastrophes.
  • Gain insights into how initiatives taken by insurers, government and multilateral institutions, are contributing to the development of catastrophe insurance.
  • Understand the use of catastrophe bonds as an alternative source of capital, reducing insurers' dependence on traditional reinsurance.

Table of Contents

1. Executive Summary

2. Emerging Dynamics of Catastrophe Insurance

3. Trends in Natural Catastrophes

4. Trends in Man-Made Catastrophes

5. Roles of the Government and Multilateral Organizations

  • 5.1. The Turkish Catastrophe Insurance Pool - Mandatory Insurance to Increase Catastrophe Coverage
  • 5.2. TRIA (US) - Enabling the Insurance Industry to Provide Terrorism Cover

6. The Catastrophe Bond Market

7. Bridging the Gap in Catastrophe Insurance

8. Appendix

  • 8.1. Methodology
  • 8.2. Contact Timetric
  • 8.3. About Timetric
  • 8.4. Timetric's Services
  • 8.5. Disclaimer

List of Tables

  • Table 1: Mandatory Natural Catastrophe Insurance Programs
  • Table 2: Major Natural Catastrophes - Insured Property Losses
  • Table 3: Most Costly Earthquakes Globally (1980-2014)
  • Table 4: Government Terrorism Insurance Programs
  • Table 5: Major Catastrophe Bond Transactions, 2014

List of Figures

  • Figure 1: Global Catastrophe Losses (2009-2014)
  • Figure 2: Types of Natural Catastrophe (1993-2012)
  • Figure 3: Natural Catastrophes - Frequency and Economic Losses (2010-2014)
  • Figure 4: Natural Catastrophes - Insured and Uninsured Losses (2010-2014)
  • Figure 5: Global Economic Losses - Man-Made Catastrophes (2010-2014)
  • Figure 6: Global Insured Losses - Man-Made Catastrophes
  • Figure 7: Rationale for Government Intervention in Catastrophe Insurance
  • Figure 8: Forms of Government Intervention in Catastrophe Insurance
  • Figure 9: Structure of Catastrophe Bonds
  • Figure 10: Transition of Catastrophe Bonds to the Mainstream Market
  • Figure 11: Catastrophe Bonds Issues and Risk Outstanding (2006-2014)
  • Figure 12: Challenges in Catastrophe Bonds Market
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