Insurance Commons^™

Safeguard Cyberspace In Ransomware Era: Risk Analysis & Cyber Insurance, Li Huang

Electronic Theses & Dissertations (2024 - present)

The increasing frequency and severity of ransomware attacks pose significant challenges for organizational cybersecurity. Fragmentation across disciplines in cyber defense has created practical gaps in the development of the necessary capabilities needed to address rapidly evolving cyber threats. This study explores the impact of ransomware attacks and the evolving role of cyber insurance as a proactive cybersecurity partner. Bridging the gap between actuarial science and cyber risk management, it proposes an interdisciplinary framework that quantifies the impact of ransomware and integrates cyber insurance into cybersecurity strategies.

The primary contribution of this study is methodology. We present a framework that remains …

การประยุกต์ใช้การเรียนรู้ของเครื่องร่วมกับดัชนีความเสี่ยงทางภูมิรัฐศาสตร์ในการพยากรณ์ความผันผวนของราคาฟิวเจอร์สสินค้าเกษตร, เจตณัฐ รอดประเสริฐ

Chulalongkorn University Theses and Dissertations (Chula ETD)

การศึกษานี้มีวัตถุประสงค์เพื่อศึกษาผลกระทบของดัชนีความเสี่ยงทางภูมิรัฐศาสตร์ (Geopolitical Risk Index: GPR) ต่อความผันผวนของราคาฟิวเจอร์สสินค้าเกษตร และเพื่อเปรียบเทียบประสิทธิภาพของแบบจำลองทางสถิติและแบบจำลองการเรียนรู้ของเครื่องในการพยากรณ์ โดยใช้ข้อมูลรายเดือนของราคาฟิวเจอร์สข้าวโพดและถั่วเหลืองจากตลาดซื้อขายล่วงหน้าระดับโลก 3 แห่ง ได้แก่ Chicago Mercantile Exchange (CME), Brasil Bolsa Balcão (B3) และ Dalian Commodity Exchange (DCE) ในช่วงเดือนมิถุนายน พ.ศ. 2558 ถึงพฤษภาคม พ.ศ. 2568 แบบจำลองที่ใช้ในการศึกษา ได้แก่ SARIMAX, GARCHX และ Long Short-Term Memory (LSTM) โดยมีดัชนี Geopolitical Risk (GPR), Geopolitical Threats (GPRT), Geopolitical Acts (GPRA), Country-Specific GPR (GPRC) และปริมาณการซื้อขายของสัญญาซื้อขายล่วงหน้าข้าวโพดและถั่วเหลืองเป็นตัวแปรภายนอกในการอธิบายความผันผวนของราคา ทั้งนี้ใช้ค่าความคลาดเคลื่อนเปอร์เซ็นต์สัมบูรณ์เฉลี่ย (Mean Absolute Percentage Error: MAPE) เป็นตัวชี้วัดประสิทธิภาพหลัก ผลการวิจัยชี้ให้เห็นว่าแบบจำลอง LSTM ที่มีการรวมตัวแปรภายนอกนั้นมีประสิทธิภาพมากที่สุดในการคาดการณ์ความผันผวนของราคาฟิวเจอร์สสินค้าการเกษตร โดยในฟิวเจอร์สข้าวโพด แบบจำลอง LSTM (lookback = 12) ให้ผลการคาดการณ์ที่แม่นยำที่สุด ในตลาด CME ตัวแปรภายนอกที่มีประสิทธิภาพสูงที่สุดคือ GPRC BRAZIL ในขณะที่ตลาด B3 มีตัวแปรภายนอกที่ดีที่สุดคือ GPRC USA และสำหรับตลาด DCE ตัวแปรภายนอกที่มีประสิทธิภาพสูงสุดคือ GPRC RUSSIA ขณะที่ในฟิวเจอร์สถั่วเหลือง แบบจำลอง LSTM (lookback = 6) แสดงถึงความแม่นยำสูงสุด โดยตลาด B3 นั้นมีตัวแปรภายนอกที่ได้ผลดีที่สุดคือ GPRA และสำหรับตลาด DCE ตัวแปรภายนอกที่มีประสิทธิภาพสูงสุดคือ GPRC …

Takaful Insurance Industries In Supporting Sustainable Socio-Economic Development In Indonesia, Fera Widyanata, Rasyida Pertiwi, Ahmad Syathiri

Journal of Global Awareness

Over the past four years, the demand for Takaful (Islamic insurance) among Indonesians has risen. Health Takaful has emerged as the most popular, followed by educational Takaful. Health and education are parts of the Human Development Index (HDI) and are closely related to building a stronger foundation for Indonesia's economic development. This study aims to enhance the Islamic finance ecosystem's impact on achieving SDGs, focusing on health (SDG 3), education (SDG 4), and economic growth (SDG 8), which are crucial for Indonesia's development. It discovers a causal relationship between the takaful industry and improvements in the health sector and …

Flood Risks Surge In Unexpected Places, Leaving Americans Unprepared And Uninsured, Genna Y. Contino

Capstones

As weather patterns become more unpredictable, the amount of uninsured property loss is expected to soar – disproportionately impacting communities of color in the U.S. Hurricane Helene, which devastated the western North Carolina mountains, demonstrates this trend. Experts say boosting insurance literacy and updating floodplain maps will better prepare the country as it navigates a changing climate.

https://docs.google.com/document/d/e/2PACX-1vSApu2Io6-IjMynum2d3IakyOV2AZysgayw8f4ypNID6dF0j06vumogvy6tJ9XPvqhXtC76fs8ZHre9/pub

Advocacy Spotlight: Understanding The Mda's Role With Dental Insurance Reimbursement Rates, Daniel Miller D.D.S.

The Journal of the Michigan Dental Association

The Michigan Dental Association (MDA) is dedicated to advocating for members and advancing the dental profession. While federal laws prohibit the MDA from negotiating reimbursement rates with dental insurers, it provides significant support through education, advocacy, and resources.

Key initiatives include enhancing transparency in network leasing, endorsing PPO Negotiation Solutions to help practices optimize contracts, and offering educational programs on billing and coding. The MDA also facilitates peer networking and equips dentists with tools to navigate insurance challenges effectively.

Looking ahead, the MDA remains committed to empowering members through advocacy, guiding future dentists on contract literacy, and fostering a resilient …

Hypertension Screening In Dental Settings And The Need To Address Dental Insurance Literacy, Dorothy Nuckols

Journal of Extension

Extension has an active and dynamic health insurance literacy program with certified educators nationwide, but dental insurance literacy is an unmet need. There is an increasing trend of dental practitioners willing to perform basic preventative health measures, particularly hypertension screening. Lack of insurance literacy is a barrier to screening request and follow-up. Participants in our longitudinal study visited their dentists as regularly as they visited their primary health practitioners. This study shows the need for Extension to add dental insurance literacy to the menu of health insurance literacy programs to impact the prevalence of hypertension.

Maritime Autonomous Surface Ships (Mass) : A Study On The Awareness, Acceptance, And Preparation Of The Philippine Maritime Industry, Aracelli Anne De Silva-Lucenecio

World Maritime University Dissertations

No abstract provided.

Assessing The Role Of Ocean Literacy In Fostering Sustainable Practices And Conservation In Kenya : Secondary School Teachers’ Perspectives, Victoria Mere Tuva

World Maritime University Dissertations

No abstract provided.

Nys Workers' Compensation & No-Fault Cases: The Good, The Bad, And The Ugly, John Sorrentino D.M.D.

The New York State Dental Journal

Agreeing to do a workers' compensation or no-fault case can be a great practice builder and have a powerful and positive impact on the lives of people who have been devastated by a workplace or automobile accident. Yet, many practitioners hesitate or refuse to do these kinds of cases for a variety of reasons. Often, you are dealing with insurance companies that are unfamiliar with dental claims. Perhaps because these claims don’t crop up often, you are not familiar with the process, or you have heard stories of poor, or even no reimbursement.

Strategic Cross-Subsidization In Healthcare Capitation Programs: Evidence From Medicare Advantage, Zhaowei She, Turgay Ayer, Bilal Gokpinar, Danny R. Hughesd

Research Collection Lee Kong Chian School Of Business

Problem definition: : This study identifies a resource misallocation problem in Medicare Advantage (MA), the United States' largest healthcare capitation program, which may result in discrepancies between patients' health status and the healthcare resources allocated to them. Methodology/results: : Utilizing a large commercial insurance database with claims from more than 2 million MA enrollees, this research investigates the allocation of MA capitation payments. By exploiting an exogenous policy shock on MA capitation payments through a difference-in-difference design, we find empirical evidence of an illegal practice known as "cross-subsidization." This practice involves MA health plans strategically reallocating portions of the capitation …

Estimating The Economic Impact Of A Natural Disaster On The Workforce Resiliency: An Analysis Of The Virginia Beach - Chesapeake - Norfolk Metropolitan Statistical Area, Robert M. Mcnab, Yin-Hsuen Chen, George Mcleod

Presentations, Lectures, Posters, Reports

In this paper, we explore the potential economic impacts associated with a major hurricane making landfall in Hampton Roads. We estimate the direct damages from a Florence-like Category 3 hurricane with a 3.6 feet tidal offset are estimated at $15.6 billion, equivalent to 10% of the 2022 regional GDP. If we apply existing flood insurance rates to these projected damages, we estimate that the total economic impact would exceed $12 billion with a short-term loss of more than 76,000 jobs. The job losses are concentrated in sectors that provide services to households which would bear the brunt of damages during …

Earning Accruals In Complex Firms: The Case Of Multi-Jurisdictional And Multi-Product Insurers, Willie Dion Reddic, M. Martin Boyer

The Lender Center for Social Justice

This working paper investigates accrual earnings management in complex insurance firms that operate across multiple jurisdictions and product lines. It highlights how firm complexity influences financial reporting and regulatory oversight.

Central Tracking And Billing System For Insurance Bills, Kehinde Alabi

Harrisburg University Dissertations and Theses

In this article, we introduce a new centralized billing platform designed for insurance bills including auto insurance, health insurance, home insurance, life insurance, etc. This system consolidates all bills for individual users eliminating the need for them to manage and pay bills separately. Users stand to benefit from significant time and effort savings each month, reducing the likelihood of missed payments and associated late fees. Insurance billing organizations and banks can also capitalize on timely payments and reduced physical mailings, leading to cost savings and environmental benefits. The proposed system offers users the ability to track and review their historical …

The Law Of General Average, Luca Anderlini, Joshua C. Teitelbaum

Georgetown Law Faculty Publications and Other Works

Part of a ship's cargo is jettisoned in order to save the vessel and the remaining cargo from imminent peril. How should the loss be shared among the cargo owners? The law of general average, an ancient principle of maritime law, prescribes that the owners share the loss proportionally according to the respective values of their cargo. We analyze whether the law of general average is a truthful and efficient mechanism. That is, we investigate whether it induces truthful reporting of cargo values and yields a Pareto efficient allocation in equilibrium. We show that the law of general average is …

Staff Matters: Assessing Health Benefits For Lgbtq+ Employees, Jodi Schafer Sphr, Shrm-Scp

The Journal of the Michigan Dental Association

To support LGBTQ+ employees, understand your health benefits by asking key questions about domestic partner coverage, mental health benefits, transgender healthcare, IVF, and surrogacy coverage, and identifying LGBTQ+-friendly providers. Regularly check in with staff to ensure benefits meet their needs and consider making changes if necessary. Proactively share benefit information throughout the year to enhance employee recruitment, retention, and engagement.

A Grain Of Hope: Analysis Of The Economic Potential For An Association Of South East Asian Nations (Asean) Rice Futures Market, Richard Nyarko

Graduate Theses and Dissertations

The ASEAN (Association of Southeast Nations) region is the world's leading rice producer, yet the region lacks a dedicated rice futures market. In contrast other world grain markets are served by liquid futures contracts, which aid producers through price discovery and risk management. This glaring gap raises a critical question: Can an ASEAN rice futures market be established to unlock the potential economic benefits for the region's rice sector? By predicting ASEAN rice pricing features and analyzing the efficacy of hedging for regional rice market players, this study explores the viability of an ASEAN rice futures contract to service the …

Annual Forage Insurance Program Performance, Jay Parsons

Cornhusker Economics

In 2014, the Annual Forage Insurance Program (AFIP) was offered for the first time by the USDA – Risk Management Agency (RMA) as a pilot program for the states of Nebraska, North Dakota, South Dakota, Kansas, Oklahoma, and Texas. It was expanded to include Colorado in 2016 and New Mexico in 2017. This year marks the 10-year anniversary of the program, and the goal of this article is to provide a summary of where the program is and how it is being used. We will focus specific attention on Nebraska but also provide an overview of the national picture.

The …

When A Health Insurance Provider Says “No”: A Health Insurance Claim Navigation Tool, Dorothy Nuckols, Catherine Sorenson

Journal of Extension

The purpose of health insurance is to pay for preventative and nonpreventative health care. Unfortunately, claim denials are frequent and most people do not contested these denials. Consumers lack both knowledge and self-efficacy to challenge their health insurance decision. Conflict is stressful can occur when a health insurance claim is denied unexpectedly. Faced with uncertainty of health care cost coverage, consumers are more likely to delay or forgo healthcare and jeopardize their health. To address this challenge, increase awareness of claim appeal processes and to provide consumer guidance, [STATE] Extension developed a Health Insurance Claim Navigation Tool.

The Financial Impact Of Correct Status Within Health Systems, Davin Evanson, Arveen Asghar, Eugene York, Michael S. Weingarten, Walter Bohnenblust

Tower Health Research Day

No abstract provided.

Financial Toxicity In Genitourinary Cancer: Insights From Cdc National Health Interview Survey, Steven Leonard Bs, Emma Helstrom Bs, Andres Correa Md, Mohit Sindhani, Nicole Uzzo, Angela Y. Jia Md Phd, Alexander Kutikov Md, Robert Uzzo Md Mba, Sarah P. Psutka Md, Adam Calaway Md Mph, Zachary Klaassen Md, Michael Staehler Md Phd, Marc Smaldone Md Mshp, Christopher Jd Wallis Md Phd, Laura Bukavina Md Mph Msc

Tower Health Research Day

No abstract provided.

Ai Usage In The Insurance Industry: Future Or Fad, Carrie Stetler

Honors Projects

AI has garnered the attention of professionals from every industry and Insurance is no different. Join me to analyze the many ways AI is affecting this industry and others, as well as to answer the question, “Is AI really the future?”

The Dearth Of Knowledge Of Health Insurance Literacy Within The United States, Katherine A. Conzet

Honors Thesis

This literature review and cross-comparison were conducted to combine resources that bring to light the lack of knowledge on health insurance, the impact of this low health insurance literacy (HIL), and the lack of research being done in this subject field. This thesis analyzes and compares different research that measures HIL levels and compares these findings. At the same time, this thesis presents the complex history of health insurance and how this understanding can contribute to lower population HIL and proposes different ways to accurately measure HIL. The purpose is to show the necessity for more research into the field …

Analyzing Deaths From Extreme Weather Events And Their Relevance To The Life Insurance Industry, Erika Roof

Honors Projects in Biological and Biomedical Sciences

This study aims to discover the effect of extreme weather events on the life insurance industry. As climate change progresses and global temperatures increase, extreme weather events, which are separated into drought, freeze, severe storms, tropical cyclones, wildfires, and winter storms are expected to occur more often. Extreme weather events not only impact the local economies but increase local death rates as well. Using data from the National Oceanic and Atmospheric Administration’s National Centers for Environmental Information (NOAA NCEI), this study uses regression analysis to examine the correlation between extreme weather and mortality data. Time series regression analysis suggests that …

The Back Page Commentary: Care For Special Needs Patients: We Must Do Better, Craig C. Spangler Dds, Fscda

The Journal of the Michigan Dental Association

Despite strides in providing resources for neurodivergent and geriatric patients, access to suitable dental care remains a challenge. A survey revealed finding capable dentists as the primary barrier to care for special needs individuals. Transitioning from pediatric to adult care lacks continuity, highlighting gaps in predoctoral dental education. Challenges include inadequate training, limited opportunities for continuing education, and reimbursement issues. Collaboration between medical and dental leaders is crucial for addressing these pressing issues and ensuring equitable access to care.

อิทธิพลของคุณภาพเทคโนโลยีและการยอมรับเทคโนโลยีประกันชีวิตต่อแนวโน้มการตัดสินใจซื้อประกันชีวิตผ่านแอปพลิเคชัน, ดวงหทัย วุฒิทวีวัฒน์

Chulalongkorn University Theses and Dissertations (Chula ETD)

การวิจัยนี้มีวัตถุประสงค์เพื่อศึกษาปัจจัยคุณภาพเทคโนโลยีที่มีผลต่อการยอมรับเทคโนโลยีการประกันชีวิต InsurTech และศึกษาระดับการยอมรับเทคโนโลยีและแนวโน้มการตัดสินใจซื้อการประกันชีวิตผ่านแอปพลิเคชัน โดยวิเคราะห์ความสอดคล้องโมเดลของคุณภาพเทคโนโลยี และการยอมรับเทคโนโลยีการประกันชีวิต InsurTech ต่อแนวโน้มการตัดสินใจซื้อการประกันชีวิตผ่านแอปพลิเคชัน และศึกษาอิทธิพลของคุณภาพเทคโนโลยีและการยอมรับเทคโนโลยีการประกันชีวิต InsurTech ต่อแนวโน้มการตัดสินใจซื้อกรมธรรม์ประกันชีวิตผ่านแอปพลิเคชันของผู้บริโภคในเขตกรุงเทพมหานคร การศึกษานี้เป็นการวิจัยเชิงปริมาณ โดยมีกลุ่มตัวอย่างจำนวน 300 คนที่ผ่านการเลือกแบบเจาะจง ซึ่งกลุ่มตัวอย่างนี้เป็นผู้บริโภคที่เคยใช้เทคโนโลยี InsurTech ผ่านแอปพลิเคชัน และใช้การวิเคราะห์สมการโครงสร้างและการทดสอบเส้นทางอิทธิพล โดยผลการศึกษาพบว่า ปัจจัยคุณภาพเทคโนโลยีในภาพรวมมีผลต่อการยอมรับเทคโนโลยีการประกันชีวิต InsurTech ในระดับมาก ( x̄ = 4.16) ปัจจัยการยอมรับเทคโนโลยี InsurTech ในภาพรวมในระดับมาก ( x̄ = 4.25) และแนวโน้มการตัดสินใจซื้อกรมธรรม์ประกันชีวิตผ่านแอปพลิเคชันในภาพรวมอยู่ในระดับมาก ( x̄ = 4.26) โมเดลคุณภาพเทคโนโลยี และการยอมรับเทคโนโลยีการประกันชีวิต InsurTech ต่อแนวโน้มในการตัดสินใจซื้อกรมธรรม์ประกันชีวิตผ่านแอปพลิเคชันของผู้บริโภคในเขตกรุงเทพมหานครมีความสอดคล้องกับข้อมูลเชิงประจักษ์ และคุณภาพเทคโนโลยีและการยอมรับเทคโนโลยีการประกันชีวิต InsurTech มีอิทธิพลทางตรงต่อแนวโน้มในการตัดสินใจซื้อการประกันชีวิตผ่านแอปพลิเคชันอย่างมีนัยสำคัญทางสถิติที่ระดับ .05

Developing A Blueprint For Health Equity Programs And Investigating Interventions And Metrics, Belita Strudwick

MUSC Theses and Dissertations

Racial and ethnic minority groups and rural and low-income populations are examples of populations who continue to experience health disparities despite policy mandates to eliminate them. This doctoral project will provide a foundational blueprint to aid health plans in addressing and improving health equity internally and with external stakeholders. The blueprint will be based on research comparing the robust health equity initiatives of four states to the NCQA national guidelines. The barriers to achieving and recommendations for advancing the field of health equity by implementing and analyzing policies and data that target health disparities through improved access to quality care …

New Dentists’ Most-Asked Legal Questions, Dan Schulte Jd

The Journal of the Michigan Dental Association

This feature addresses new dentists' most frequently asked legal questions, offering concise answers to guide them. Topics include licensing requirements, dental record maintenance, accommodations for hearing-impaired and non-English proficient patients, the enforceability of covenants not to compete, the necessity of written employment agreements, responding to bad dental work, reporting suspected abuse, prescribing drugs to friends and family, contract terms with dental plans, and handling suspected employee theft. The article emphasizes the importance of understanding legal aspects to navigate a dental career successfully.

Esg Scores Impact On U.S. Insurance Companies’ Financial Performance, Franceska Xhafa

Doctoral Dissertations (DBA)

This paper examines the impact of Environmental, Social, and Governance (ESG) scores on U.S. insurance companies' financial performance and is among the first to do so. The existing literature has sundry conclusions on whether there is any impact; this study intends to add to the existing literature to elucidate an answer. In this study, the financial ratio, net profit margin, is used as the dependent variable. The ESG score, governance score, and governance metrics such as the number of independent directors on the audit committee, size of the compensation committee, board size, and the number of executives are used as …

Management Of Operations In Projects Including Planning, Organization And Control From The Beginning To The End Of Implementation, Burim Isa Berisha Dr.Sc

International Journal of Business and Technology

The project usually arises as soon as the client’s need is identified, and goes through all the extensive phases and sub-phases to take its true form and put into operation. The project is divided into two main parts that include Planning and Implementation that are separate in these stages: definition, planning, organization, control, completion. Planning involves a detailed calculation of the project. This includes known facts, admissible facts and risk calculation. Activity model used by IKOMs Planning as a process involves the cost that accompanies it. The manager must strike the balance between cost and benefit. Project control uses data …

Project Planning And Control, Burim Isa Berisha Dr.Sc

International Journal of Business and Technology

Operations management is important because it relates to the creation of products and services on which we are all dependent. Operations management is also quite motivating; operations are the center of many changes that affect business - changes in customer preferences, changes in the supply chain caused by technologies based on the businesses where we work, where we want to work and so on.

Operations Management includes the role of operations management, the various characteristics of processes, management activities, the responsibilities of managers, and the timely evolution of Operations Management.

Operations Management is a constant change, fostering creativity which allows …