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topics:risk [2026/08/06 13:45] – o.sachstopics:risk [2026/08/06 13:46] (current) – o.sachs
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 The growing risk posed by natural disasters to critical infrastructure, such as energy grids, raises questions regarding the increasing necessity of insuring this infrastructure. Natural disasters, by their very nature, pose a challenge to insurability. This is due to their low frequency but high costs in the event of a disaster. Natural disasters can cause such extensive damage that they expose insurers to an excessively high risk of insolvency. Furthermore, natural disasters often account for a significant portion of an insurer’s portfolio, which makes diversification difficult. This, in turn, complicates the process of setting insurance premiums. Due to climate change, these already difficult-to-calculate risks associated with natural disasters are becoming even harder to assess and insure against.((Zio, E., Aven, T. Charpentier, A. (2008). Insurability of Climate Risk. //The Geneva Papers//, 33, 91-109.))  The growing risk posed by natural disasters to critical infrastructure, such as energy grids, raises questions regarding the increasing necessity of insuring this infrastructure. Natural disasters, by their very nature, pose a challenge to insurability. This is due to their low frequency but high costs in the event of a disaster. Natural disasters can cause such extensive damage that they expose insurers to an excessively high risk of insolvency. Furthermore, natural disasters often account for a significant portion of an insurer’s portfolio, which makes diversification difficult. This, in turn, complicates the process of setting insurance premiums. Due to climate change, these already difficult-to-calculate risks associated with natural disasters are becoming even harder to assess and insure against.((Zio, E., Aven, T. Charpentier, A. (2008). Insurability of Climate Risk. //The Geneva Papers//, 33, 91-109.)) 
  
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 - Risk distrubution on different actors. How wo mitigate Risk on electrical Grids (See Zio & Aven, 2011)  - Risk distrubution on different actors. How wo mitigate Risk on electrical Grids (See Zio & Aven, 2011) 
  
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 - Interconnection of different parts of critical infrastructure (See Zio & Aven, 2011) - Interconnection of different parts of critical infrastructure (See Zio & Aven, 2011)
 ==== Institutional structures ==== ==== Institutional structures ====
-- how can the state help with financing policy, lowering the Risk and therefore rise financibility of critical infrastructure+- how can the stata help with financing policy, lowering the Risk and therefore rise financibility of critical infrastructure