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Erschienen in:
2011 | OriginalPaper | Buchkapitel
Risks and insurance
verfasst von : Annamaria Olivieri, Ermanno Pitacco
Erschienen in: Introduction to Insurance Mathematics
Verlag: Springer Berlin Heidelberg
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The main purposes of this Chapter are:
• to present the concept of individual “risk”, focussing in particular on quantitative aspects of the (negative) financial consequences of some events which can concern a person, a family, a firm, and so on;
• to introduce the role of an insurance company (briefly, an insurer), which takes individual risks, building up a “pool”, and then bears the risk of losses caused by an unexpected number of events in the pool, or by an unexpected severity of the financial consequences of such events.