Core Insights - Expanding social insurance coverage can effectively alleviate financial insecurity and associated mental health issues for specific employment groups, particularly those excluded during crises and labor market disruptions [2][4][5] - The integration of artificial intelligence into risk management processes can enhance predictive capabilities, allowing for early identification of emerging risks and improved emergency preparedness [2][6][7] - The Florida homeowners' insurance market is facing a crisis characterized by rising premiums, decreasing coverage availability, and insurer exits, driven by environmental and legal factors that increase claims costs [2][8] - Flood risk management should shift from traditional disaster response strategies to proactive resilience-building approaches, providing a valuable framework for insurers to enhance risk management and insurability [2][10][9] - The release of the Property and Casualty Market Intelligence (PCMI) dataset in January 2025 will provide insights into homeowners insurance trends, covering 246 million policies from 2018 to 2022, and highlight regional disparities in insurance losses and availability [2][12][11] Summary by Sections Expanded Pandemic Unemployment Assistance - The expansion of unemployment insurance during COVID-19 provided critical support to non-standard workers, revealing significant impacts on their financial and mental well-being when the program was terminated early [4][5] Artificial Intelligence in Risk Management - The study emphasizes the need for embedding advanced analytics and modeling techniques into risk management to create predictive systems that enhance real-time risk assessment and response capabilities [6][7] Florida Homeowners' Insurance Market - The research indicates that while participation in the Florida homeowners' insurance market does not inherently harm profitability, exposure during hurricane seasons negatively affects insurer performance [8] Flood Risk Management - The study highlights the importance of a sustainability perspective in flood risk management, advocating for a broader role of insurers beyond risk transfer, including proactive measures and community engagement [9][10] Homeowners Insurance Data Insights - The PCMI dataset will facilitate a deeper understanding of the dynamics in the homeowners insurance market, revealing trends in premiums, claims, and availability across different regions [12][11]
期刊Risk Management and Insurance Review 2025年28卷第1期目录及摘要|保险学术前沿
13个精算师·2025-10-12 02:03