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Insurability of cryptocurrency wallets

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Manikowski P., Szymczak-Łączna W., Srbinoski B.
Research Papers in Economics and Finance
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2024
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vol. 8
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issue 2
91-104
EN
This article concerns the possibilities of insuring cryptocurrency wallets using various assumptions and characteristics of perfectly insurable risk. The main goal of this article is to examine if and how cryptocurrency wallets risk fulfils the requirements of an ideally insurable risk. The topic of the research is important looking at the newest trends in financial markets and the growing number of cryptocurrency investors. The paper presents authors’ innovative method of approaching a part of cryptocurrency risk to insurance industry. Authors analysed requirements of an insurable risk and applied these requirements to a specific risk, i.e. the cryptocurrency wallet risk to further check if it is possible to insure such a risk. By introducing and defining cryptocurrency wallet risk, we found an element of cryptocurrencies which shows traits of a non-speculative risk and possibly fulfils insurability characteristics.
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Financial inclusion, market concentration and underwriting performance: Empirical evidence from Central Eastern and Southeastern European countries

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Srbinoski B., Kjosevski J., Poposki K., Mecheski S.
Economics and Business Review
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2024
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vol. 11
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issue 1
133-156
EN
Synergies or trade-offs may arise between financial inclusion and financial stability conditional on the type of financial market and the level of market competition. The growing systemic relevance of insurers brings forward the question whether financial inclusion has impact on insurance markets. We focus on the less inclusive and less competitive Eastern European (EE) and former Soviet Union (FSU) non-life insurance markets and examine firstly, the link between financial inclusion and insurers’ underwriting performance, and secondly, whether the insurance market concentration affects the inclusion-performance nexus. We find that more inclusive markets have better aggregate underwriting performance. The positive effects of financial inclusion on insurers’ performance are stronger in more competitive insurance markets. The results suggest that the policy efforts for more inclusive insurance markets would generate improved outcomes for consumers, insurers, and regulators.
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