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Naturgefahren und Klimawandel: die Rolle der Versicherungswirtschaft

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  • Peter Höppe

Abstract

Munich Re's Geo Risks Research unit has been researching loss events caused by natural hazards around the globe for more than 30 years and has documented them in the NatCatSERVICE database. The data clearly show a dramatic increase in natural catastrophes around the globe. As the rise in the number of natural catastrophes is largely attributable to weather-related events, with no evidence of a similar increase in geophysical events, there is some justifi cation in assuming that global warming plays a decisive role. This assumption is backed by many scientifi c studies and the IPCC. Other parts of the role of the insurance industry are to give such risks a price tag by calculation of risk adequate premiums and also supporting mitigation and adaptation by providing innovative insurance solutions. Die GeoRisikoForschung der Münchener Rück analysiert seit mehr als 30 Jahren Naturkatastrophen rund um den Globus und dokumentiert diese in der NatCatSERVICE-Datenbank. Die Daten zeigen einen deutlichen Anstieg der Naturkatastrophen, der vor allem durch wetterbedingte Ereignisse begründet ist. Für die geophysikalisch verursachten Naturkatastrophen ergeben sich keine vergleichbaren Anstiege. Daher liegt es nahe, dass der Klimawandel hierbei eine entscheidende Rolle spielt, was durch die Ergebnisse einer Vielzahl von wissenschaftlichen Studien und das IPCC gestützt wird. Weitere Rollen der Versicherungswirtschaft liegen darin, dass sie durch risikoadäquate Prämien den Risiken ein Preisschild gibt und Klimaschutz sowie Anpassungsmaßnahmen durch innovative Versicherungslösungen unterstützt.

Suggested Citation

  • Peter Höppe, 2008. "Naturgefahren und Klimawandel: die Rolle der Versicherungswirtschaft," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, vol. 77(4), pages 110-115.
    • Handle: RePEc:diw:diwvjh:77-4-9
    DOI: 10.3790/vjh.77.4.110
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    References listed on IDEAS

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    1. Stern,Nicholas, 2007. "The Economics of Climate Change," Cambridge Books, Cambridge University Press, number 9780521700801, October.
    2. Silvio Schmidt & Claudia Kemfert & Peter Höppe, 2008. "Bereinigung sozioökonomischer Effekte bei Schäden tropischer Wirbelstürme für eine Analyse zum Einfluss des Klimawandels," Vierteljahrshefte zur Wirtschaftsforschung / Quarterly Journal of Economic Research, DIW Berlin, German Institute for Economic Research, vol. 77(4), pages 116-139.
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    More about this item

    Keywords

    Klimawandel; Naturkatastrophen; Versicherung; Schadentrends;
    All these keywords.

    JEL classification:

    • Q51 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Environmental Economics - - - Valuation of Environmental Effects
    • Q54 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Environmental Economics - - - Climate; Natural Disasters and their Management; Global Warming

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