Economics, Econometrics and Finance
5 years ago

German insurers prioritize growth over safety, risking profitability in the market.

Zeitschrift für die gesamte Versicherungswissenschaft
Balancing growth, profitability and safety in the German insurance market
Liselotte Maichel-Guggemoos, Joël Wagner

Paper Summary

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The article explores how insurance companies in Germany balance growth, profitability, and safety. Using data from 2001 to 2016, the researchers found that growth and profitability are positively related, while safety and profitability are negatively related. Mutual and public insurers have lower growth but higher safety levels compared to listed companies. Larger companies grow slower but are more profitable, with lower safety levels. Life insurers show different patterns from non-life insurers.