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来源类型 | Report |
规范类型 | 报告 |
DOI | https://doi.org/10.7249/RRA1223-1 |
来源ID | RR-A1223-1 |
Improving the Availability and Affordability of Pandemic Risk Insurance: Projected Performance of Proposed Programs | |
Lloyd Dixon; Jamie Morikawa | |
发表日期 | 2021-06-15 |
出版年 | 2021 |
语种 | 英语 |
结论 |
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摘要 | The COVID-19 pandemic led to a substantial drop in U.S. economic activity in 2020. Businesses often purchase business interruption coverage for loss of revenue due to fires and other perils, but insurers have held that in most cases they are not obligated to cover the enormous losses caused by COVID-19. Now, insurers, insurance industry trade groups, policyholder groups, and Congress have developed proposals to expand the availability of insurance for pandemic-induced business closures or restrictions. ,The programs differ in several key dimensions, including the amount of risk borne by commercial insurers, the approach to paying claims, the extent to which the U.S. government receives a premium for the risk it bears, and the extent of policyholder subsidies. But the programs all seek to define benefits and the benefit distribution mechanism in advance rather than rely on programs hastily crafted after an event occurs. ,The authors describe the distinguishing features of the most-visible proposals and develop a quantitative model that projects their potential consequences. Proposed programs are evaluated in terms of the proportion of revenue decline replaced (efficacy), efficiency, affordability, the risk borne by the commercial insurers, expected annual government net outlays, and the amount of subsidy provided to policyholders. This analysis provides information useful to assessing the advantages and disadvantages of different approaches for improving the availability and affordability of pandemic risk insurance. |
目录 |
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主题 | Catastrophic Liability Risk Management ; Insurance Legislation ; Insurance Liability ; Pandemic |
URL | https://www.rand.org/pubs/research_reports/RRA1223-1.html |
来源智库 | RAND Corporation (United States) |
引用统计 | |
资源类型 | 智库出版物 |
条目标识符 | http://119.78.100.153/handle/2XGU8XDN/524471 |
推荐引用方式 GB/T 7714 | Lloyd Dixon,Jamie Morikawa. Improving the Availability and Affordability of Pandemic Risk Insurance: Projected Performance of Proposed Programs. 2021. |
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文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
RAND_RRA1223-1.pdf(1334KB) | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
1623760519413.jpg(6KB) | 智库出版物 | 限制开放 | CC BY-NC-SA | ![]() 浏览 |
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