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risk managementinsurance selfrisk premiumseconomic financialfinancial decisionsdecisions riskrisk optimaloptimal catastrophecatastrophe insuranceinsurance uncorrelateduncorrelated catastrophescatastrophes henrihenri loubergéloubergé harrisharris schlesingerschlesinger reliabilityreliability riskmanagement marketmarket insuranceself insuranceself protectionprotection reconsideredreconsidered riskmanagement servicesservices jointjoint productionproduction cuttingcutting cakecake strangerstranger egoismegoism altruismaltruism imperfectimperfect informationinformation canonscanons justjust taxationtaxation efficiencyefficiency fairnessfairness economyeconomy publicpublic goodgood extendingextending arrowarrow prattpratt riskpremiums financialfinancial responsibilityresponsibility occupationaloccupational diseasesdiseases exex anteante exex postpost efficiencyefficiency insuranceinsurance marketsmarkets lossloss preventionprevention activityactivity profitsprofits marketmarket structurestructure consumerconsumer welfarewelfare riskpremiums multiplemultiple sourcessources riskriskentscheidung bei risiko
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