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liability sharingfirms financiersenvironmental liabilityenvironmental policyinsurance marketasymmetric informationcourt errorssocial welfaretype findinginappropriate caresafety carecare levelsadverse selectionnatural disaster insuranceasymmetrische informationdisasters insurancerisk classificationmarket regulationsharing liabilityrisk modeladverse selektioncourt decisionseconomic analysis of lawcultural heritagenatural disastersvulnerability naturalmarket efficiencyitalian motoroptimal liabilitysharing courterrors exploratoryexploratory analysislaw economicslabour marketregulation italyitaly employmentemployment welfaremarket characterizedeuropean unionfocus paperpaper effectseffects courterrors optimaloptimal sharingliability firmsfinanciers environmentalpolicy instrumentinstrument usingusing structuralstructural modelmodel interactionsinteractions firmsfirms financialfinancial institutionsinstitutions governmentsgovernments courtscourts numericalnumerical simulationssimulations distortionsdistortions liabilitysharing firmsfinanciers imperfectimperfect implementationimplementation governmentgovernment policiespolicies impliesimplies considerconsider particularparticular rolerole played
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