Insurance as an alternative environmental regulator: findings from a retrospective pollution claims survey
通过调查两家英国领先保险公司的污染索赔案例，发现保险公司在承保评估和损失调查以及投保人的环境管理实践在污染问题上均不完善，保险目前是预防污染损失的薄弱金融工具。
Abstract Little inquiry has occurred on insurance as an alternative environmental regulator, despite a growing interest in the subject. This paper presents the findings from a survey and questionnaire on two leading UK insurance companies' pollution claims. Insurers' initial underwriting assessments and post‐loss investigations and insureds' environmental management practices are poorly developed regarding pollution issues. Insurance is currently a weak financial instrument to prevent pollution losses. Copyright © 2003 John Wiley & Sons, Ltd. and ERP Environment