{"id":4393,"date":"2021-01-08T16:22:23","date_gmt":"2021-01-08T16:22:23","guid":{"rendered":"https:\/\/detralytics.com\/?p=4393"},"modified":"2026-06-22T14:49:11","modified_gmt":"2026-06-22T14:49:11","slug":"risk-sharing-under-the-dominant-peer-to-peer-property-and-casualty-insurance-business-models","status":"publish","type":"post","link":"https:\/\/detralytics.com\/fr\/publications\/risk-sharing-under-the-dominant-peer-to-peer-property-and-casualty-insurance-business-models\/","title":{"rendered":"Risk sharing under the dominant peer-to-peer property and casualty insurance business models"},"content":{"rendered":"
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Risk sharing under the dominant peer-to-peer property and casualty insurance business models<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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DetraNote 2021-2<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Introduction<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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This paper purposes to formalize the three business models dominating peer-to-peer (P2P) property and casualty insurance: the self-governing model, the broker model, and the carrier model. The former one develops outside the insurance market whereas the latter ones may originate from the insurance industry, by partnering with an existing company or by issuing a new generation of participating insurance policies where part of the risk is shared within a community and higher losses, exceeding the community’s risk-bearing capacity are covered by an insurance or reinsurance company. The present paper proposes an actuarial modeling based on conditional mean risk sharing, to support the development of this new P2P insurance offer under each of the three business models. In addition, several specific questions are also addressed in the self-governing model. Considering an economic agent who has to select the optimal pool for a risk to be shared with other participants, it is shown that uniform comparison of the Lorenz or concentration curves associated to the respective total losses of the pools under consideration allows the agent to decide which pool is preferable.<\/p>

Mots-cl\u00e9s : <\/span><\/strong>Risk pooling, conditional mean risk sharing, Lorenz curve, concentration curve, convex order.<\/p><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Secteur : <\/b>Assurance<\/p>

<\/b>Expertise: <\/b>Casualty Insurance<\/p>

Auteurs :<\/b> Michel Denuit and<\/p>

Christian Y. Robert<\/p>

Publication:<\/b> Risk Management and<\/p>

Insurance Review<\/p>

Date:<\/b> January 2024<\/p>

Langue :<\/b> Anglais<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\u00c0 propos des auteurs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"Michel\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Michel Denuit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Michel est conseiller scientifique chez Detralytics, ainsi que professeur en sciences actuarielles \u00e0 l\u2019Universit\u00e9 catholique de Louvain. Il dispose d\u2019une exp\u00e9rience internationale en tant que professeur invit\u00e9 et a men\u00e9 de nombreux projets en collaboration avec l\u2019industrie. Chez Detralytics, Michel accompagne les jeunes talents, dispense des formations de pointe, stimule l\u2019innovation et supervise les projets de R&D.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Christian Y. Robert<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Christian est Directeur de l\u2019ISFA \u00e0 Lyon (France) et Professeur en sciences actuarielles et statistiques. Il a \u00e9galement exerc\u00e9 la fonction de Directeur de la recherche du Laboratoire de Finance et de Sciences Actuarielles de l\u2019ISFA (Lyon).<\/p>

Membre Honoraire de l\u2019Institut des Actuaires (Paris), Christian a publi\u00e9 plus de 50 articles scientifiques.<\/p>

Christophe de Fays est Senior Expert et Domain Lead Non-Vie R\u00e9glementaire chez Detralytics. Apr\u00e8s plusieurs ann\u00e9es dans le conseil en IT, il a d\u00e9velopp\u00e9 une solide expertise en sciences actuarielles et en gestion de projets au sein de plusieurs grandes compagnies d\u2019assurance en Belgique. Il apporte une expertise de pointe aux projets de R&D et est \u00e9galement responsable de la formation continue de nos consultants chez Detralytics.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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This paper purposes to formalize the three business models dominating peer-to-peer (P2P) property and casualty insurance: the self-governing model, the broker model, and the carrier model.<\/p>","protected":false},"author":1,"featured_media":4607,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[137,133],"tags":[131],"class_list":["post-4393","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-137","category-publications","tag-detranote"],"yoast_head":"\nDetra Note : Risk sharing under the dominant peer-to-peer property and casualty insurance business models<\/title>\n<meta name=\"description\" content=\"This paper purposes to formalize the three business models dominating peer-to-peer (P2P) property and casualty insurance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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