An Urban Crisis Management System for Critical Infrastructures: Participation Possibilities for Insurance Companies
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An Urban Crisis Management System for Critical Infrastructures: Participation Possibilities for Insurance Companies Dirk Wredea, Annemarie Willa, Tim Linderkampb and Johann-Matthias Graf von der Schulenburga a
Institute for Risk and Insurance, Gottfried Wilhelm Leibniz Universita¨t Hannover, Otto-Brenner-Straße 1, 30159 Hanover, Germany. E-mail: [email protected]; [email protected]; [email protected] b Center for Risk and Insurance, Otto-Brenner-Straße 1, 30159 Hanover, Germany. E-mail: [email protected]
This paper discusses participation possibilities for German insurance companies in an urban crisis management system (UCMS) for critical infrastructures (CIs), which helps better monitor and manage CIs. We examine if and how insurance companies from Germany can contribute as actors in such innovative systems to holistically protect CIs. We meet this objective by conducting an expert survey in the German insurance industry and find that it lacks the willingness or ability to participate in a UCMS. While we discover occasional interest regarding the insurer’s predefined roles as a data/knowledge provider, investor or data user, each participation possibility poses challenges for insurance companies. The Geneva Papers (2017) 42, 633–656. doi:10.1057/s41288-017-0069-9 Keywords: civil protection; critical infrastructures; insurance companies; crisis management; public–private partnerships; information system Article submitted 4 December 2016; accepted 24th August 2017; published online 11 October 2017
Electronic supplementary material The online version of this article (doi: 10.1057/s41288-017-0069-9) contains supplementary material, which is available to authorized users.
Introduction Industrialised countries’ economies depend heavily on their infrastructures. Some infrastructure networks are classified as ‘‘critical’’ due to their important role in the economy—for example, energy and water supply systems, the Internet, and digital networks and communication infrastructures. In Germany, critical infrastructures (CIs) are defined by the Federal Administration as ‘‘organisational and physical structures and facilities of such vital importance to a nation’s society and economy that their failure or degradation would result in sustained supply shortages, significant disruption of public safety and security, or other dramatic consequences’’.1 The following nine sectors have 1
Federal Ministry of the Interior (2009).
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been identified as CIs at the national level: energy/power supply, information and communications technology (ICT), transport(ation) and logistics, (drinking) water supply and sewage disposal, public health/medical services, food, public administration (including emergency and rescue services), economic services/finance, insurance, as well as media and cultural objects (cultural heritage items).2 CIs are threatened by various hazards, including technical-human (i.e. human failure), physical, environmental and cyber-related
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