NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Risk-Based Pricing and Risk-Reducing Effort: Does the Private Insurance Market Reduce Environmental Accidents?

Haitao Yin, Howard Kunreuther, Matthew White

NBER Working Paper No. 15100
Issued in June 2009

---- Acknowledgements -----

Thanks to Lucas Davis, Nancy Rose, and participants at the 2008 NBER IO/EEE Conference in Palo Alto for discussion and comments. Special thanks for technical information to Carol Amend (US Environmental Protection Agency), Mark Barolo, William Foskett, Paul Miller, Sammy Ng, and Jerry Parker (US EPA, Office of Underground Storage Tanks), Jan Spoor (Illinois Office of the State Fire Marshall), Jeff Tanner and Kevin Wieber (Michigan Department of Environmental Quality), and Michele Schroeder (Zurich Company N.A.). This project received financial support from the Wharton Risk Management and Decision Processes Center and the Russell Ackoff Award at the University of Pennsylvania. Yin thanks the University of Michigan's Erb Institute for its hospitality and support. The views expressed herein are those of the author(s) and do not necessarily reflect the views of the National Bureau of Economic Research.

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