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. I 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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