Products related to Risk:
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Security Risk Models for Cyber Insurance
Tackling the cybersecurity challenge is a matter of survival for society at large.Cyber attacks are rapidly increasing in sophistication and magnitude—and in their destructive potential.New threats emerge regularly, the last few years having seen a ransomware boom and distributed denial-of-service attacks leveraging the Internet of Things.For organisations, the use of cybersecurity risk management is essential in order to manage these threats.Yet current frameworks have drawbacks which can lead to the suboptimal allocation of cybersecurity resources.Cyber insurance has been touted as part of the solution – based on the idea that insurers can incentivize companies to improve their cybersecurity by offering premium discounts – but cyber insurance levels remain limited.This is because companies have difficulty determining which cyber insurance products to purchase, and insurance companies struggle to accurately assess cyber risk and thus develop cyber insurance products.To deal with these challenges, this volume presents new models for cybersecurity risk management, partly based on the use of cyber insurance.It contains: A set of mathematical models for cybersecurity risk management, including (i) a model to assist companies in determining their optimal budget allocation between security products and cyber insurance and (ii) a model to assist insurers in designing cyber insurance products. The models use adversarial risk analysis to account for the behavior of threat actors (as well as the behavior of companies and insurers). To inform these models, we draw on psychological and behavioural economics studies of decision-making by individuals regarding cybersecurity and cyber insurance. We also draw on organizational decision-making studies involving cybersecurity and cyber insurance.Its theoretical and methodological findings will appeal to researchers across a wide range of cybersecurity-related disciplines including risk and decision analysis, analytics, technology management, actuarial sciences, behavioural sciences, and economics.The practical findings will help cybersecurity professionals and insurers enhance cybersecurity and cyber insurance, thus benefiting society as a whole. This book grew out of a two-year European Union-funded project under Horizons 2020, called CYBECO (Supporting Cyber Insurance from a Behavioral Choice Perspective).
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Sustainable Life Insurance : Managing Risk Appetite for Insurance Savings and Retirement Products
Sustainable Life Insurance: Managing Risk Appetite for Insurance Savings and Retirement Products gives an overview of all relevant aspects of traditional and non-traditional savings and retirement products from both insurers’ and policyholders’ respective risk appetites.Examples of such products include general accounts, whole life, annuities (variable, fixed and fixed indexed, structured), index-linked products, CPPI-based products, etc. The book contains technical details associated with both practice and theory, specifically related to modelling, product design, investments and risk management challenges and solutions, tailored to both insurers’ and policyholders’ perspectives. FeaturesThe book offers not only theoretical background but also concrete, cutting-edge "quick wins" across strategic and operational business axes. It will be an asset for professionals in the insurance industry, and a great teaching/learning resource for courses in risk management, insurance modelling, and more. The book highlights the operational challenges encountered across modelling, product designs and hedging.
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Risk Management & Introduction to Insurance
A guide to both risk management and insurance. Risk management is becoming increasingly important to companies and society in general, and Risk Management & Introduction to Insurance offers an accessible guide for anyone trying to understand it.Divided into two parts, the book first offers an introduction that examines the concept of risk and its historical context while defining the key terminology.In addition, the tools necessary for risk assessment are reviewed and the different steps of the risk management process are discussed.The second part of the book focuses on the economics of insurance, social insurance, and the private insurance market.The different branches and products of private insurance are analyzed, and an overview of the basics of calculating insurance premiums based on contractual benefits and the practice of an actuary is provided.Numerous practical applications (such as cyber risk management), examples, and illustrations complete the book.As a whole, the book is an essential reference for business school students, professionals, and anyone interested in risk management and insurance.
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Disaster Insurance Reimagined : Protection in a Time of Increasing Risk
This is an open access title available under the terms of a CC BY-NC-ND 4.0 International licence.It is free to read at Oxford Academic and offered as a free PDF download from OUP and selected open access locations. This book examines the growing role and importance of 'Protection Gap Entities' (PGEs), not-for-profit entities providing insurance protection that would otherwise be unavailable within a purely private sector context.Around the world, PGEs and the insurance instruments they use are becoming increasingly crucial in making sure that funds are available to rebuild after disasters.These PGEs, typically developed as collaborations between governments and the insurance industry, enable insurance to continue at a time when climate change, urbanization, global interdependence, and geo-political instability are making disaster insurance increasingly expensive or unavailable.Given their growing importance, understanding the role of PGEs in both insurance protection and their potential to create a more resilient society is critical.Disaster Insurance Reimagined uses practical examples from different countries to explain how PGEs step in to maintain disaster insurance and how their work can, but does not always, improve financial and physical resilience to disaster.Drawing on 5 years of research into 17 entities that provide insurance cover in 49 countries, the authors examine the strengths, limitations, and evolution of PGEs in providing disaster protection in the face of a growing insurance crisis.They provide an accessible discussion of disaster insurance, its complexities, and the transformation it needs to undergo in order to remain relevant and to contribute to meaningful disaster protection.PGEs and their work offer a path to re-imagining disaster insurance as a key tool in an ecosystem that has societal protection from disaster at its heart.
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Is ngrok a security risk?
Ngrok can be considered a security risk if not used properly. Since it creates a tunnel from a public endpoint to a locally running network service, it can expose sensitive information and services to potential attackers if not configured securely. It is important to follow best practices such as using authentication and encryption to minimize the security risks associated with using ngrok. Regularly monitoring and updating ngrok configurations can also help mitigate potential security vulnerabilities.
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Is mold a health risk?
Yes, mold can be a health risk, especially for individuals with allergies, asthma, or weakened immune systems. Exposure to mold can cause respiratory issues, allergic reactions, and other health problems. It is important to address any mold issues in indoor environments to minimize the health risks associated with mold exposure.
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Who sees the potential security risk?
The potential security risk is typically seen by security professionals, IT administrators, and other individuals responsible for maintaining the security of a system or network. They are trained to identify potential vulnerabilities and threats and take proactive measures to mitigate the risk. Additionally, stakeholders and decision-makers within an organization may also be involved in recognizing and addressing potential security risks to protect the organization's assets and data.
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What is the risk to PC security?
The risk to PC security includes potential exposure to viruses, malware, and other malicious software that can compromise the integrity and privacy of personal data. Additionally, there is a risk of unauthorized access to sensitive information, such as financial or personal records, which can lead to identity theft or fraud. Furthermore, inadequate security measures can make PCs vulnerable to hacking and cyber attacks, potentially resulting in system damage or data loss. It is important for PC users to implement strong security practices, such as using antivirus software, regularly updating operating systems and applications, and being cautious about clicking on suspicious links or downloading unknown files.
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Pricing Insurance Risk : Theory and Practice
PRICING INSURANCE RISK A comprehensive framework for measuring, valuing, and managing risk Pricing Insurance Risk: Theory and Practice delivers an accessible and authoritative account of how to determine the premium for a portfolio of non-hedgeable insurance risks and how to allocate it fairly to each portfolio component. The authors synthesize hundreds of academic research papers, bringing to light little-appreciated answers to fundamental questions about the relationships between insurance risk, capital, and premium.They lean on their industry experience throughout to connect the theory to real-world practice, such as assessing the performance of business units, evaluating risk transfer options, and optimizing portfolio mix. Readers will discover: Definitions, classifications, and specifications of riskAn in-depth treatment of classical risk measures and premium calculation principlesProperties of risk measures and their visualizationA logical framework for spectral and coherent risk measuresHow risk measures for capital and pricing are distinct but interactWhy the cost of capital, not capital itself, should be allocatedThe natural allocation method and how it unifies marginal and risk-adjusted probability approachesApplications to reserve risk, reinsurance, asset risk, franchise value, and portfolio optimization Perfect for actuaries working in the non-life or general insurance and reinsurance sectors, Pricing Insurance Risk: Theory and Practice is also an indispensable resource for banking and finance professionals, as well as risk management professionals seeking insight into measuring the value of their efforts to mitigate, transfer, or bear nonsystematic risk.
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Insurance Era : Risk, Governance, and the Privatization of Security in Postwar America
Charts the social and cultural life of private insurance in postwar America, showing how insurance institutions and actuarial practices played crucial roles in bringing social, political, and economic neoliberalism into everyday life. Actuarial thinking is everywhere in contemporary America, an often unnoticed byproduct of the postwar insurance industry’s political and economic influence.Calculations of risk permeate our institutions, influencing how we understand and manage crime, education, medicine, finance, and other social issues.Caley Horan’s remarkable book charts the social and economic power of private insurers since 1945, arguing that these institutions’ actuarial practices played a crucial and unexplored role in insinuating the social, political, and economic frameworks of neoliberalism into everyday life. Analyzing insurance marketing, consumption, investment, and regulation, Horan asserts that postwar America’s obsession with safety and security fueled the exponential expansion of the insurance industry and the growing importance of risk management in other fields.Horan shows that the rise and dissemination of neoliberal values did not happen on its own: they were the result of a project to unsocialize risk, shrinking the state’s commitment to providing support, and heaping burdens upon the people often least capable of bearing them.Insurance Era is a sharply researched and fiercely written account of how and why private insurance and its actuarial market logic came to be so deeply lodged in American visions of social welfare.
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Robust Regression Methods for Insurance Risk Classification
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Risk Measures and Insurance Solvency Benchmarks : Fixed-Probability Levels in Renewal Risk Models
Risk Measures and Insurance Solvency Benchmarks: Fixed-Probability Levels in Renewal Risk Models is written for academics and practitioners who are concerned about potential weaknesses of the Solvency II regulatory system.It is also intended for readers who are interested in pure and applied probability, have a taste for classical and asymptotic analysis, and are motivated to delve into rather intensive calculations.The formal prerequisite for this book is a good background in analysis.The desired prerequisite is some degree of probability training, but someone with knowledge of the classical real-variable theory, including asymptotic methods, will also find this book interesting.For those who find the proofs too complicated, it may be reassuring that most results in this book are formulated in rather elementary terms.This book can also be used as reading material for basic courses in risk measures, insurance mathematics, and applied probability.The material of this book was partly used by the author for his courses in several universities in Moscow, Copenhagen University, and in the University of Montreal.Features Requires only minimal mathematical prerequisites in analysis and probability Suitable for researchers and postgraduate students in related fields Could be used as a supplement to courses in risk measures, insurance mathematics and applied probability.
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Is there a health risk from mold?
Yes, exposure to mold can pose health risks, especially for individuals with allergies, asthma, or weakened immune systems. Mold spores can cause respiratory issues, allergic reactions, and other health problems when inhaled or come into contact with the skin. Prolonged exposure to mold can lead to chronic health issues. It's important to address mold issues promptly and take steps to prevent its growth in indoor environments to minimize health risks.
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What is the insurance coverage amount for a dog health insurance?
The insurance coverage amount for a dog health insurance can vary depending on the specific policy and provider. Typically, coverage amounts can range from $5,000 to $30,000 per year, with some policies offering unlimited coverage. It's important to carefully review the coverage limits, deductibles, and reimbursement percentages when choosing a dog health insurance policy to ensure it meets your pet's needs and your budget.
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Who benefits from private health insurance?
Individuals who have private health insurance benefit from it. This includes coverage for medical expenses, access to a wider network of healthcare providers, shorter wait times for appointments and procedures, and more control over their healthcare choices.
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Are third-party app stores a security risk?
Third-party app stores can pose a security risk as they may not have the same level of security measures and scrutiny as official app stores like Google Play or the Apple App Store. These third-party stores may host malicious or counterfeit apps that can compromise the security and privacy of users' devices. Users should exercise caution when downloading apps from third-party stores and ensure they are from reputable sources to minimize the risk of security threats.
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