-systemic (stochastic) risks
• Residual risks may be insurable after adequate risk
reducing measures, if residual risk assessable
• Avoidance of moral hazard
• Avoidance of adverse selection
• At client side for commercial viability
• At insurer side for social viability
Insurance - moral hazard
26.8.2011Adriaan Perrels/IL 33
Real estate price
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/media/loftslag/Perrels-CBA.pdf
by season (%) between
1991-2007 and 1961-1990 in the Baltic countries
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/media/ces/ces_SA_group_flyer_new.pdf
Neotectonics in Nordland; NEONOR 2
C. Lindholm, O. Olesen, I. Janutyte, S. Gradman, M. Keiding, H. Kierulf,
M. Ask, J. Dehls, Y. Maystrenko, F. Riis, L. Rise and other project partners
The Nordland shore region is known to be seismically active with deep local sediment basins on the
continental shelf that stretches some 200 km west of the coastline. The offshore areas west of Nordland
have
/media/norsem/norsem_lindholm.pdf
h
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/media/loftslag/VanderKeur_etal-2008-Uncertainty_IWRM-WARM.pdf
with terrain elevation above mean sea level. Additionally, the vertical dependence of
seasonally averaged temperature within the boundary layer atmosphere is well approximated by
a linear profile. Temperature as a function of height, x , above mean sea level can therefore be
written as
T (x ) =
(
T0 +LTx for 0 x h
T0 +LT h+L(x h) for h x h+ z ;
(6)
where T0 is air temperature at mean sea level, LT
/media/vedurstofan/utgafa/skyrslur/2013/2013_001_Nawri_et_al.pdf
A. (2010b). 21st century changes in the European climate: uncertainties derived from an ensemble of regional climate model simulations. Tellus, published online. DOI: 10.1111/j.1600-0870.2010.00475.
Ólafsson H, & Rögnvaldsson Ó. (2010). Regional and Seasonal Variability in Precipitation Scenarios For Iceland. Hydrology Research, in revision.
Peltonen-Sainio, P., Hakala, K., Jauhiainen, L/ces/publications/nr/1680
Reykjavík, 139 pp.
Paterson, W.S.B. 1994. The Physics of
Glaciers (Third Edition). Pergamon. 480
pp.
Vogt, P.R., G.L. Johnson and L. Kristjánsson
1980. Morphology and magnetic anomalies
north of Iceland. J. of Geophysics 47, 67-80.
Walker, G.P.L. 1974. Eruptive mechanisms in
Iceland. In L. Kristjánsson, ed. Geodynamics
of Iceland and the North Atlantic Area. D.
Reidel, Dordrecht
/media/jar/Jokull-guidlines.pdf