Determinanty nabywania ubezpieczeń katastroficznych przez gminy – perspektywa behawioralna
Determinants of purchasing catastrophe insurace by communes – behavioural perspective
Author(s): Mateusz Gawin, Magdalena Swacha-LechSubject(s): Socio-Economic Research
Published by: Wydawnictwo Uniwersytetu Ekonomicznego we Wrocławiu
Keywords: behavioural decision-making; catastrophic risk; catastrophe insurance; natural disasters; local government; risk management
Summary/Abstract: The paper examines whether Polish communes are willing to buy catastrophe insurance considering behavioural factors such as heuristics and biases. The core methods used in this contribution involve a survey among 348 Polish communes in 2020. The necessary empirical data of a qualitative nature was collected by a consortium of two research agencies, Biostat Research & Development Sp. z o.o. and Biostat Sp. z o.o. The research results supported the hypothesis that the levels of commune income do not have a decisive impact on decisions about the purchase of insurance against catastrophic losses by Polish communes, which allowed to emphasize the role of behavioural aspects of the decision-making process. The article extends the BDM area to municipalities.
Journal: Prace Naukowe Uniwersytetu Ekonomicznego we Wrocławiu
- Issue Year: 65/2021
- Issue No: 1
- Page Range: 11-27
- Page Count: 17
- Language: English