{"id":3130,"date":"2020-07-30T23:15:20","date_gmt":"2020-07-30T23:15:20","guid":{"rendered":"https:\/\/revista.isfin.ro\/?p=3130"},"modified":"2020-07-30T23:20:29","modified_gmt":"2020-07-30T23:20:29","slug":"riscul-de-mediu-si-asigurarile-paul-dumitru","status":"publish","type":"post","link":"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/riscul-de-mediu-si-asigurarile-paul-dumitru\/","title":{"rendered":"Environmental liability and insurance - Paul Dumitru"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3130\" class=\"elementor elementor-3130\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-49bea77a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"49bea77a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-32864f2\" data-id=\"32864f2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-22a8c9a8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"22a8c9a8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6c567c6d\" data-id=\"6c567c6d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-734bb7d5 elementor-widget elementor-widget-text-editor\" data-id=\"734bb7d5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Author: Paul Dumitru<br \/>Vol. 2 \u2022 No. 3 \u2022 November 2017<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4c805480\" data-id=\"4c805480\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4cebd81 elementor-position-right elementor-view-default elementor-vertical-align-top elementor-widget elementor-widget-icon-box\" data-id=\"4cebd81\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<a class=\"elementor-icon elementor-animation-\" href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/13.-Dumitru-Paul_EN-art-nr3.pdf\" target=\"_blank\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-down\"><\/i>\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h6 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<a href=\"https:\/\/revista.isfin.ro\/wp-content\/uploads\/2020\/08\/13.-Dumitru-Paul_EN-art-nr3.pdf\" target=\"_blank\" >\n\t\t\t\t\t\tView Article PDF\t\t\t\t\t<\/a>\n\t\t\t\t<\/h6>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-7661e65a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7661e65a\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5eba924d elementor-widget elementor-widget-text-editor\" data-id=\"5eba924d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Abstract<\/strong><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75f7e13f elementor-widget elementor-widget-text-editor\" data-id=\"75f7e13f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p>Environmental risk is decribed in this article from a risk management perspective as well as from the identification, evaluation and insurance risk transfer point of view.<\/p><p>\u00a0This risk is special as it has unique characteristics compared with any other third party liabiliy risk because it is difficult to be identified and it can cause catastrophic losses. Althought at a first glance this risk seems to be specific to some industries, the reality is that it does not spare any economic activity. From a risk treatment point of view, companies have to identify the potential sources of pollution, the population that could be affected as well as the routes that could lead to the target population.<\/p><p>Whilst enviromental liability leads to catastrophic losses, its financial consequences transfer through insurance is often ignored most of the times by the companies. While on the international market the insurance products offer is quite diversified, in Romania the offer is narrow probably due to the reduced demand. The enviromental insurance liability market in Europe is estimated at about Euro 250-300 million, the international insurers having a capacity of up to US$ 200 million for any one insurer.<\/p><p>\u00a0The demand for environmental insurance liability in Romania could be stimulated by imposing \u201dfinancial warrantees\u201d for environmental damages, using the models from other countries from the Western or Eastern Europe. From the growth of the insurance market would benefit not only the Romanian insurers, but also companies as they would be better protected, and the economy, as the premium generated would be invested by the insurers in various financial instruments, thus returning the money back to the economy.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6bbaec elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a6bbaec\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d3931b8 elementor-widget elementor-widget-text-editor\" data-id=\"6d3931b8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><strong>Keywords<\/strong>: environmental risk, pollution, insurance, risk management<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d92b40c elementor-widget elementor-widget-eael-creative-button\" data-id=\"2d92b40c\" data-element_type=\"widget\" data-widget_type=\"eael-creative-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t        <div class=\"eael-creative-button-wrapper\">\n\n            <a class=\"eael-creative-button eael-creative-button--default\" href=\"https:\/\/revista.isfin.ro\/en\/arhiva\/\" data-text=\"\">\n\n                <div class=\"creative-button-inner\">\n\n                    \n                    <span class=\"cretive-button-text\"> BACK <\/span>\n\n                                    <\/div>\n            <\/a>\n        <\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Autor: Paul DumitruVol. 2 \u2022 Nr. 3 \u2022 Noiembrie 2017 Vizualizare Articol PDF Abstract Riscul de mediu este descris \u00een acest articol din perspectiva managementului riscului precum \u0219i a modalit\u0103\u021bilor de identificare, evaluare \u0219i transfer al riscului prin asigur\u0103ri. \u00a0Acest tip de risc este unul special av\u00e2nd caracteristici unice comparativ cu orice alte riscuri de &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/riscul-de-mediu-si-asigurarile-paul-dumitru\/\"> <span class=\"screen-reader-text\">Environmental liability and insurance - Paul Dumitru<\/span> Read More &raquo;<\/a><\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[169],"tags":[],"yoast_head":"<title>Riscul de mediu \u0219i asigur\u0103rile - Paul Dumitru - Revista de Studii Financiare<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/revista.isfin.ro\/en\/2020\/07\/30\/riscul-de-mediu-si-asigurarile-paul-dumitru\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Riscul de mediu \u0219i asigur\u0103rile - Paul Dumitru - Revista de Studii Financiare\" \/>\n<meta property=\"og:description\" content=\"Autor: Paul DumitruVol. 2 \u2022 Nr. 3 \u2022 Noiembrie 2017 Vizualizare Articol PDF Abstract Riscul de mediu este descris \u00een acest articol din perspectiva managementului riscului precum \u0219i a modalit\u0103\u021bilor de identificare, evaluare \u0219i transfer al riscului prin asigur\u0103ri. \u00a0Acest tip de risc este unul special av\u00e2nd caracteristici unice comparativ cu orice alte riscuri de &hellip; 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