wu2026.1.3

Data dodania: 28 maja 2026

The Insurance Gap in natural catastrophe risks. Challenges for the market

Dariusz Pauch, Anna Bera

DOI: https://doi.org/10.33995/wu2026.1.3

Abstrakt

Climate change poses a serious risk to (re)insurers and society in the future. The gap in coverage is a global problem, affecting all countries and having an impact on the entire uninsured population. Insurance is one way to reduce the intensity of post-natural catastrophe losses. This is because insurance provides timely financial assistance in the aftermath of the shock associated with extreme events, thereby reducing the long-term impact of natural catastrophes . This article presents the essence of the insurance gap in the context of the increasing intensity of catastrophic risks. The insurance gap in catastrophic risks is presented against the background of empirical data in global terms. An important part of the study is to show the categories and challenges for the insurance market in the face of these risks.

Słowa kluczowe

insurance gap; catastrophic risk; insurance; natural catastrophe; climate change

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