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- Article
Targeting Weather Insurance Markets
By: Anita Mukherjee, Shawn Cole and Jeremy Tobacman
The suitability of insurance products often depends greatly on individual circumstances. This paper examines the challenges of heterogeneity in a relatively new product, weather‐indexed insurance. This index insurance product has been launched in over a dozen... View Details
Keywords: Index Insurance; Labor Markets; Self-insurance; Self-protection; Weather; Insurance; Markets; Household; Risk Management
Mukherjee, Anita, Shawn Cole, and Jeremy Tobacman. "Targeting Weather Insurance Markets." Journal of Risk and Insurance 88, no. 3 (September 2021): 757–784.
- 5 Feb 2013
- Conference Presentation
Financing Entrepreneurial Growth
By: Tom Alberg, Andrew A. Bogan, Harold Bradley, Robert D. Cooter, Monika Gruter Cheney, Oliver R. Goodenough, William R. Hambrecht, Frank Hatheway, Thomas F. Hellmann, Marianne Hudson, Jared Konczal, Josh Lerner, Robert E. Litan, Diane Mulcahy, Ramana Nanda, Frank Partnoy, Joe Ratterman, Nava Ravikant, Jay R. Ritter, Alicia Robb, David T. Robinson, Allison Schrager, Barry Silbert, E. R. Sirri, Daniel Stangler and Sharon Vosmek
Despite recent innovations in entrepreneurial finance, particularly at the early stage of business creation, many new and young companies continue to face hurdles to acquire capital.
The Kauffman Foundation addressed current challenges and opportunities in... View Details
Alberg, Tom, Andrew A. Bogan, Harold Bradley, Robert D. Cooter, Monika Gruter Cheney, Oliver R. Goodenough, William R. Hambrecht, Frank Hatheway, Thomas F. Hellmann, Marianne Hudson, Jared Konczal, Josh Lerner, Robert E. Litan, Diane Mulcahy, Ramana Nanda, Frank Partnoy, Joe Ratterman, Nava Ravikant, Jay R. Ritter, Alicia Robb, David T. Robinson, Allison Schrager, Barry Silbert, E. R. Sirri, Daniel Stangler, and Sharon Vosmek. "Financing Entrepreneurial Growth." Paper presented at the State of Entrepreneurship Address, Ewing Marion Kauffman Foundation, Washington, DC, USA, February 5, 2013.
- February 2019
- Article
Does It Matter If Your Health Insurer Is For Profit? Effects of Ownership on Premiums, Insurance Coverage, and Medical Spending
By: Leemore S. Dafny
There is limited empirical evidence about the impact of for-profit health insurers on various outcomes. I study the effects of conversions to for-profit status by Blue Cross Blue Shield (BCBS) affiliates in 11 states, spanning 28 geographic markets. I find both the... View Details
Keywords: Health Insurance; Medical Loss Ratio; Blue Cross; Corporate Governance; Health; Insurance; For-Profit Firms; Insurance Industry; United States
Dafny, Leemore S. "Does It Matter If Your Health Insurer Is For Profit? Effects of Ownership on Premiums, Insurance Coverage, and Medical Spending." American Economic Journal: Economic Policy 11, no. 1 (February 2019): 222–265.
- May 2013
- Supplement
Paul Thomson: Walker Insurance
This is the Spreadsheet Supplement for Walker Insurance: Paul Thomson (HBS Case 813057). Includes Exhibit 1a, Exhibit 1b, Exhibit 2, Exhibit 4, Exhibit 5, Exhibit 6, and Exhibit 7. View Details
Keywords: Entrepreneurial Organizations; Entrepreneurs; Entrepreneurship; Search; Search Funds; Sales Force Management; Sales; Sales Channels; Insurance And Reinsurance; Insurance Companies; Acquisitions; Hiring; Service Management; Service; Insurance; Salesforce Management; Selection and Staffing; Insurance Industry; United States
- Article
Asset Accumulation and Labor Force Participation of Disability Insurance Applicants
By: Pian Shu
This paper provides empirical evidence of the existence of forward-looking asset-accumulation behavior among disability-insurance applicants, previously examined only in the theoretical literature. Using panel data from the RAND Health and Retirement Study, I show that... View Details
Keywords: Disability Insurance; Asset Accumulation; Labor Force Participation; Assets; Behavior; Employment; Insurance; Insurance Industry; United States
Shu, Pian. "Asset Accumulation and Labor Force Participation of Disability Insurance Applicants." Journal of Public Economics 129 (September 2015): 26–40.
- December 9, 2020
- Article
Give Employees Cash to Purchase Their Own Insurance
By: Regina E. Herzlinger and Barak D. Richman
Employers’ and employees’ health care costs continue to skyrocket. A solution is to allow employers to give employees pre-tax cash to purchase their own health insurance. This move, enabled by a newly enacted federal rule, would put competitive pressure on insurers,... View Details
Herzlinger, Regina E., and Barak D. Richman. "Give Employees Cash to Purchase Their Own Insurance." Harvard Business Review (website) (December 9, 2020).
- June 2018
- Teaching Note
Zurich Insurance
By: Boris Groysberg, David Lane and Joni Coughlin
This teaching note addresses six cases in the Zurich Insurance series, the overview case (HBS No. 417-035) and five cases focused on particular change efforts (HBS Nos. 417-036 through 417-040).
Zurich Insurance was undergoing organizational change after... View Details
Zurich Insurance was undergoing organizational change after... View Details
Keywords: Managing Change; Organizational Behavior; Diversity Management; Organizational Architecture; Recruiting; Succession Planning; Management; Organizational Culture; Organizational Change and Adaptation; Leading Change; Human Capital; Human Resources; Insurance; Leadership; Diversity; Organizational Structure; Recruitment; Leadership Development; Management Succession; Insurance Industry
- August 2012 (Revised December 2023)
- Background Note
Note on Health Insurance Coverage, Coding, and Payment
By: Regina E. Herzlinger and Jo Ellen Slurzberg
This note explains how health care technology and service innovators receive payment from government insurers, in the U.S. and abroad, and from private insurers. It describes each of the three steps needed to obtain reimbursement: coverage, coding, and payment. It also... View Details
- 1999
- Book
The Financing of Catastrophe Risk
By: Kenneth A. Froot
Keywords: Catastrophe Risk; Corporate Finance; Banking And Insurance; Hedging; Banking; Decision Choice And Uncertainty; Financial Markets; Insurance; Policy; Risk Management; Natural Disasters; Cost of Capital; Asset Pricing; Insurance Industry
Froot, Kenneth A., ed. The Financing of Catastrophe Risk. Chicago: University of Chicago Press, 1999.
- 2017
- Working Paper
The Importance of Unemployment Insurance as an Automatic Stabilizer
By: Marco Di Maggio and Amir Kermani
We assess the extent to which unemployment insurance (UI) serves as an automatic stabilizer to mitigate the economy's sensitivity to shocks. Using a local labor market design based on heterogeneity in local benefit generosity (defined as the percentage of household... View Details
Keywords: Unemployment Insurance; Automatic Stabilizers; Bartik Shocks; Aggregate Demand; System Shocks; Employment; Balance and Stability; Insurance; Volatility; Insurance Industry
Di Maggio, Marco, and Amir Kermani. "The Importance of Unemployment Insurance as an Automatic Stabilizer." Harvard Business School Working Paper, No. 17-009, July 2016. (Revise and Resubmit to American Economic Journal: Macroeconomics.)
- 2013
- Working Paper
Asset Accumulation and Labor Force Participation of Disability Insurance Applicants
By: Pian Shu
Using panel data from the RAND Health and Retirement Study, I show that rejected applicants for Social Security Disability Insurance (SSDI) possess significantly more assets immediately prior to their application and exhibit lower labor force attachment than accepted... View Details
Keywords: Disability Insurance; Asset Accumulation; Labor Force Participation; Assets; Behavior; Employment; Insurance; Insurance Industry; United States
Shu, Pian. "Asset Accumulation and Labor Force Participation of Disability Insurance Applicants." Harvard Business School Working Paper, No. 14-008, July 2013.
- July 2019 (Revised March 2020)
- Case
At-Bay Cyber Insurance
By: Marco Di Maggio and David Lane
At-Bay was a cyber insurance startup that offered companies coverage against a wide array of cyber risks—exposure to which the firm was able to quickly assess and price on the basis of technical expertise that traditional insurance carriers lacked. In mid-2019, At-Bay... View Details
Keywords: Business Startups; Insurance; Disruptive Innovation; Risk Management; Product Marketing; Distribution Channels; Information Technology; Salesforce Management; Insurance Industry
Di Maggio, Marco, and David Lane. "At-Bay Cyber Insurance." Harvard Business School Case 220-005, July 2019. (Revised March 2020.)
- November 1995 (Revised April 1998)
- Case
National Insurance Corporation
The case visits the catastrophe insurance business at an interesting time in the history of the insurance markets. A major reinsurer, National Insurance, is taking a look at the new insurance derivatives being traded on the Chicago Board of Trade with a view to using... View Details
Das, Sanjiv R., and Nils C. Haugestad. "National Insurance Corporation." Harvard Business School Case 296-036, November 1995. (Revised April 1998.)
- March 2024
- Case
Hippo: Weathering the Storm of the Home Insurance Crisis
By: Lauren Cohen, Grace Headinger and Sophia Pan
Rick McCathron, CEO of Hippo, considered how the firm’s underwriting model could account for the effects of climate change. Along with providing smart home packages, targeting risk-friendly customers, and using data-driven pricing, the Insurtech used technologically... View Details
Keywords: Fintech; Underwriters; Big Data; Insurance Companies; Business Model Design; Weather Insurance; Business Model; Forecasting and Prediction; Climate Change; Environmental Sustainability; Green Technology; Technological Innovation; Natural Environment; Natural Disasters; Weather; Business Strategy; Competitive Advantage; Business Earnings; Insurance; Social Issues; Insurance Industry; United States; California
- 2012
- Article
A Reduced-Form Approach to Behavioral Public Finance
By: Sendhil Mullainathan, Joshua Schwartzstein and William Congdon
Research in behavioral public finance has blossomed in recent years, producing diverse empirical and theoretical insights. This article develops a single framework with which to understand these advances. Rather than drawing out the consequences of specific... View Details
Mullainathan, Sendhil, Joshua Schwartzstein, and William Congdon. "A Reduced-Form Approach to Behavioral Public Finance." Annual Review of Economics 4 (2012): 511–540.
- January 1993 (Revised November 1995)
- Case
AXA: The Global Insurance Company
Claude Bebear, the CEO of AXA, the tenth-largest insurer in Europe, has just completed an acquisition of the Equitable, the seventh-largest insurer in the United States. As part of his strategy to make AXA the first truly global insurance company, Bebear is considering... View Details
Keywords: Market Entry and Exit; Insurance; Global Strategy; Acquisition; Insurance Industry; Asia; North America; Europe
Goodman, John B., and Patrick Moreton. "AXA: The Global Insurance Company." Harvard Business School Case 793-094, January 1993. (Revised November 1995.)
- June 2019
- Case
Monetizing Insurance at Trov
By: Thales Teixeira, Samy Dana and Leandro A Guissoni
Trov is a disruptive startup in the insurance space (“insurtech”). It allows consumers to simply turn on and turn off insurance for each of their possessions on a mobile app with the swipe of a finger. Consumers love the simple, on-demand, single-item coverage product.... View Details
Keywords: Monetization; Decoupling; Business Startups; Insurance; Disruption; Mobile and Wireless Technology; Strategy; Insurance Industry
Teixeira, Thales, Samy Dana, and Leandro A Guissoni. "Monetizing Insurance at Trov." Harvard Business School Case 519-082, June 2019.
- Article
Treatment Of Opioid Use Disorder Among Commercially Insured U.S. Adults, 2008–17
By: Karen Shen, Eric Barrette and Leemore S. Dafny
There is abundant literature on efforts to reduce opioid prescriptions and misuse, but comparatively little on the treatment provided to people with opioid use disorder (OUD). Using claims data representing 12–15 million nonelderly adults covered through commercial... View Details
Keywords: Opioid Treatment; Medication-assisted Treatment; Substance Use Disorder; Private Insurance; Health Disorders; Health Care and Treatment; Insurance; United States
Shen, Karen, Eric Barrette, and Leemore S. Dafny. "Treatment Of Opioid Use Disorder Among Commercially Insured U.S. Adults, 2008–17." Health Affairs 39, no. 6 (June 2020): 993–1001.
- December 1993
- Article
Risk Management: Coordinating Corporate Investment and Financing Policies
By: K. A. Froot, David S. Scharfstein and J. Stein
Keywords: Catastrophe Risk; Corporate Finance; Banking And Insurance; Hedging; Banking; Decision Choice And Uncertainty; Financial Markets; Insurance; Policy; Risk Management; Natural Disasters; Cost of Capital; Asset Pricing; Insurance Industry
Froot, K. A., David S. Scharfstein, and J. Stein. "Risk Management: Coordinating Corporate Investment and Financing Policies." Journal of Finance 48, no. 5 (December 1993): 1629–1658. (Revised from NBER Working Paper No. 4084, February 1993. Reprinted in RAE-Revista de Administração de Empresas, Management Journal of Fundação Getulio Vargas (FGV-EAESP), Business School for Administration in Sao Paulo, Brazil, volume no. 48, issue no. 1 (January-March 2008): 87-118. Reprinted in Insurance and Risk Management, Volume II, Corporate Risk Management, Part I: Theory on Why and How Firms Manage Risk, Chapter 3, edited by Gregory R. Niehaus, UK: Edward Elgar Publishing Ltd. (October 2008). Also in M.J. Brennan, The Theory of Corporate Finance from The International Library of Critical Writings in Financial Economics, edited by R. Roll, 1995; and in Merton Miller and Chris Culp, eds. Corporate Hedging in Theory and Practice: Lessons from Metallgesellschaft, Risk Books, 1999.)
- 2014
- Teaching Note
Changhong: Journey to Shared Services (TN)
By: F. Warren McFarlan, Haiyan Zhang and Guo Jia
Founded in 1958 and headquartered in Mianyang - an emerging inland science and technology city in Sichuan Province, Changhong Electric Co., Ltd., started from the military industry. It then entered the color TV industry and subsequently expanded to a wide range of... View Details
McFarlan, F. Warren, Haiyan Zhang, and Guo Jia. "Changhong: Journey to Shared Services (TN)." Tsinghua University Teaching Note, 2014.