Other Types

Insurance financing vehicles

Insurance companies

* Standard Lines
* Excess Lines
* heavy and increasing premium costs in almost every line of coverage;
* difficulties in insuring certain types of fortuitous risk;
* differential coverage standards in various parts of the world;
* rating structures which reflect market trends rather than individual experience;
* insufficient credit for deductibles and/or loss control efforts.

Insurance insulates too much

Closed community self-insurance

Complexity of insurance policy contracts

Redlining

Insurance patents

The insurance industry and rent seeking

Criticism of insurance companies