Desastres naturais e as técnicas adotadas pelas seguradoras para mitigação de riscos financeiros

Abstract

This work aims to provide the presentation of efficient techniques for reducing financial losses caused by natural disasters and adopted by insurers, besides revealing a panoramic view of environmental change experienced by the world and damaging impacts that natural disasters cause, especially in maintaining the solvency of insurers. Aware of this reality and the performance of the function of the insurance industry in minimizing the losses of its insured upon the occurrence of accidents is the use of methods and techniques become important in achieving efficient securitarian this function. The main techniques covered are: risk map, detect accumulations, pricing of insurance premiums, risks of spraying, application of resources and establishment of reserves for natural disasters. The research also deals with general aspects of insurance, reinsurance and solvency, and brings statistical data of large disastrous events that have surprised the world with the impacts caused by them, as much damage to human life.