Institute
louis
Bachelor
louis
Bachelor
Because it organizes solidarity between individuals exposed to different risks — and because it therefore establishes a form of social cohesion — insurance is in essence a political device. The questioning, at least potentially, of the insurability of certain risks does not therefore impose an exclusively technical or economic challenge: it questions the scope and the strength of the bonds of solidarity that structure a society. If we had forgotten it, the redefinition of the borders of insurability recalls the political nature of insurance systems.
In France, this question is now at the heart of tensions that are becoming more and more visible. The CatNat regime, which combines insurers and the State around the principles of solidarity and responsibility, is being weakened by global warming. On the one hand, some insurers warn about the limits of the model in the face of growth and the disparity of risks revealed by the granularity of the models. On the other hand, public authorities seek to maintain a high level of collective protection in a context of budgetary constraints. The debates are therefore organized around questions that go far beyond the sole scope of insurance.
This round table will discuss these three perspectives — insurers, public authorities and political leaders — around two central questions: what place should be reserved for market mechanisms, and for those that involve, in one way or another, public authorities? And how can the imperatives of protecting policyholders be linked to the economic balance of the regime?
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