Reflexiones sobre la COVID-19, los seguros, la interrupción de los negocios, el riesgo sistémico y el futuro
DOI:
https://doi.org/10.14422/icade.i110.y2020.007Palabras clave:
COVID-19, interrupción de negocio, continuidad del riesgo, gestión de los riesgosResumen
La pandemia de la COVID-19 ha supuesto uno de los eventos con mayores pérdidas para la industria de los seguros. Este artículo comienza con una visión de las implicaciones más significantes que la pandemia ha supuesto para los seguros. Debido a que la interrupción del negocio ha sido el más destacado de estos impactos, en la segunda parte se analiza más de cerca el seguro de interrupción del negocio. Esta parte describe cómo se estructuran los mercados para esta cobertura en los EE. UU. Se realiza un análisis detallado de uno de los contratos de política de interrupción de negocios más comunes, demostrando que algunos aspectos de este contrato, en lo que respecta a la interrupción de negocios causada por una pandemia, no fueron redactados con la máxima precisión. Esta parte también analiza cómo se han desarrollado las causas sobre el lenguaje de política común utilizado en los EE. UU., tanto por los legisladores como por los tribunales. El artículo concluye con una discusión sobre el futuro de asegurar el riesgo de continuidad del negocio. Explora las limitaciones de los mercados privados, el papel del Gobierno y la necesidad de una estrategia global para la gestión del riesgo pandémico, dentro de la cual los seguros jugarían un papel significativo pero parcial.
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