Försäkringsrisk
Försäkringsrisk refers to the uncertainty surrounding the financial outcome of an insurance contract. It encompasses the possibility of unexpected claims, the inadequacy of premiums collected to cover claims and expenses, and the potential for adverse changes in the value of assets held by the insurer. These risks are inherent in the business of insurance, where insurers agree to compensate policyholders for specified losses in exchange for premiums.
Key types of försäkringsrisk include underwriting risk, which relates to the accuracy of the assumptions made
Effective management of försäkringsrisk is crucial for the solvency and long-term viability of insurance companies. This