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 when pricing insurance policies, and reserve risk, which pertains to the estimation of future claim payments. Operational risk, financial risk (including investment risk and interest rate risk), and strategic risk also contribute to the overall försäkringsrisk profile of an insurance company.

Effective management of försäkringsrisk is crucial for the solvency and long-term viability of insurance companies. This involves thorough risk assessment, appropriate pricing strategies, robust reserving practices, diversification of insurance portfolios, and prudent investment management. Regulatory frameworks, such as Solvency II in Europe, aim to ensure that insurers hold sufficient capital to cover their risks and protect policyholders. By understanding and actively managing these risks, insurers can fulfill their obligations and maintain public trust.