decizii ale asigurarilor in conditii de risc si incertitudine

The population property insurance presents high interest; the insurance domain being very complex. The classes of population property insurance cover the equipment insurance, car insurance and securing buildings and their contents. Decisions taken by the policyholder, and by the insurer, are taken in uncertainty conditions. In this paper, we want to present and to review the decision-making conditions under uncertainty for the population’s assets. Modeling the decision of insurance is an essential element in preference of a company to form a portfolio. We present a new mechanism for encouraging risk taking within organizations that relies on the provision of decision insurance to managers. Since insurance increases the likelihood of free riding, we also introduce a technique that mitigates this moral hazard by automatically identifying the social network around the manager and using it as a monitoring group. We show that three possible regimes exist. In the first one, managers contribute to production but avoid risky projects. In the second, managers take on risky projects without free riding. In the third, they free ride. We establish the conditions for the appearance of each of these regimes and show how to adjust the mechanism parameters so as to get the highest expected payoff for the firm in spite of its risk-adverse managers. Paper: http://ccefa.spiruharet.ro/materiale/dder.pdf