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dc.contributor.authorMarulanda Fraume, Mabel Cristina
dc.contributor.authorCardona, Omar Darío
dc.contributor.authorMora Cuevas, Miguel
dc.contributor.authorBarbat Barbat, Horia Alejandro
dc.contributor.otherUniversitat Politècnica de Catalunya. Departament de Resistència de Materials i Estructures a l'Enginyeria
dc.identifier.citationMarulanda , M. [et al.]. Diseño e implementación del seguro de riesgo sísmico para cubrir los edificios privados a través de una estrategia de subsidio cruzado. A: Congreso Nacional de Ingeniería Sísmica. "4º Congreso nacional de ingeniería sísmica: libro de resumenes: Granada, 18-20 mayo de 2011". Granada: Copicentro, 2011, p. 1-8.
dc.description.abstractThis paper discusses how a catastrophe risk model –based on metrics such as the Probabilistic Maximum Loss and the Average Annual Loss– has been used to estimate, building by building, the probabilistic losses of different portfolios of exposed elements. It also explains how a risk transfer instrument to cover the private housing in Manizales, Colombia, was designed, promoting the insurance culture and covering the low-income homeowners through a cross-subsidy strategy. This instrument is a voluntary collective insurance promoted by the city administration and the insurance industry, using the mechanism of the property-tax payment. The program provides financial protection to the estate-tax payers and to the low-income homeowners that cannot pay the tax due to their income limitations. This collective insurance helps the government to access key resources for low-income householder recovery and improve disaster risk management at local level. This instrument represents a successful experience from the solidarity perspective as also has been a good practice between the government and the private sector that can be replicated in developing countries prone to disasters.
dc.format.extent8 p.
dc.subjectÀrees temàtiques de la UPC::Enginyeria civil::Geotècnia::Sismologia
dc.subjectÀrees temàtiques de la UPC::Economia i organització d'empreses
dc.subject.lcshEarthquake hazard analysis
dc.subject.lcshInsurance trends
dc.subject.otherRiesgo sísmico
dc.subject.otherinstrumentos aseguradores
dc.subject.othermodelo de riesgo de catástrofe
dc.subject.otherpérdida máxima probable
dc.subject.otherpérdida anual esperada
dc.subject.otherprima de riesgo
dc.subject.otherSeismic risk
dc.subject.otherinsurance instruments
dc.subject.othercatastrophe risk model
dc.subject.otherprobable maximum loss
dc.subject.otherexpected annual loss
dc.subject.otherrisk premium
dc.titleDiseño e implementación del seguro de riesgo sísmico para cubrir los edificios privados a través de una estrategia de subsidio cruzado
dc.typeConference report
dc.subject.lemacRisc sísmic
dc.subject.lemacAssegurances -- Pòlisses
dc.contributor.groupUniversitat Politècnica de Catalunya. (MC)2 - Grup de Mecànica Computacional en Medis Continus
dc.rights.accessRestricted access - publisher's policy
dc.description.versionPostprint (published version)
upcommons.citation.authorMarulanda , M.; Cardona, O.D.; Mora, M.; Barbat, H.
upcommons.citation.contributorCongreso Nacional de Ingeniería Sísmica
upcommons.citation.publicationName4º Congreso nacional de ingeniería sísmica: libro de resumenes: Granada, 18-20 mayo de 2011

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