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Insurance Covered

Moral hazard: the dark heart of insurance (With Robert Hartwig)

Season 5, Ep. 2

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.


We hope you enjoyed this episode, if you did please subscribe to be notified when new episodes release.

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