This paper provides an overview on the existing systems of natural hazards insurance in Europe, their structural … growing number of natural disasters. Using the case of Germany as an example, the paper demonstrates that the obstacles facing … system change are numerous, including failure to recognise the role of state guarantees in enabling private insurance markets …

verloren hat. Des Weiteren weisen Verbraucherbefragungen darauf hin, dass sich die für Deutschland typische hohe …During the past decades grocery-retailing in Germany has experienced a structural change to-wards less but larger shops … Germany, has declined somewhat and that consumers are increasingly focussing on the quality of goods. Accordingly supermarkets …

Nicht erst seit der Covid-19-Pandemie nimmt der Online-Lebensmitteleinzelhandel in Deutschland zu und bringt neue …Even before the current covid-19-pandemic, online grocery retailing in Germany is achieving a high level of momentum …

Insurance products are distributed both by independent and dependent agents, although the use of independent agents is …

degree of insurance to income shocks. It combines panel data on income from the PSID with consumption data from repeated CEX … cross-sections and distinguishes between permanent and transitory income shocks. We find some partial insurance of permanent … income shocks with more insurance possibilities for the college educated and those nearing retirement. We find little …

This paper uses panel data on household consumption and income to evaluate the degree of insurance to income shocks … cases of self-insurance and the complete markets assumption. We assess the degree of insurance over and above self-insurance … conventional demand analysis rather than reduced form imputation procedures. Our results point to some partial insurance but reject …

how to address non-permanence have been proposed, these being temporary credits and insurance of emission reduction … credits. This paper discusses the practicality and potential difficulties of the insurance approach for addressing non … against common insurability criteria. The marketability of the insurance product and several technical questions in relation …