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Moral hazard: the dark heart of insurance (With Robert Hartwig)

Published on 24 January 2024

Welcome to Insurance Covered, the podcast that covers everything insurance. In this episode Peter is joined by Robert Hartwig, Associate Professor of Finance at the University of South Carolina. In this episode they discuss the concept of moral hazard in insurance.

In this episode we cover:

  • What is meant by the term moral hazard.
  • The two forms of moral hazard.
  • How insurers protect themselves against moral hazard.
  • The other side of moral hazard, can it actually be a good thing as well?
  • Insurance as an enabler, providing a financial safety net for when risk goes wrong.
  • Links between moral hazard and the climate crisis.

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