On the choice of insurance distribution systems

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<title>On the choice of insurance distribution systems</title>
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<title>Risk and insurance</title>
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<namePart>Kim, Won-Joong</namePart>
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<namePart>Mayers, David</namePart>
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<namePart>Smith, Clifford W.</namePart>
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<abstract displayLabel="Summary">This article examines insurers' choice between independent and exclusive agents. We assume that alternative distribution systems are efficient mechanisms for controlling contracting problems among policy-holders, insurers, and agents. Because the use of independent agents helps control potential expropriate behavior by the insurer, the indepent agency system should be more valuable for ownership structures where such problems are more severe</abstract>
<note type="statement of responsibility">Won-Joong Kim, David Mayers, Clifford W. Smith</note>
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<topic>Seguros</topic>
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<topic>Empresas de seguros</topic>
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<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080610326">
<topic>Distribución de seguros</topic>
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<topic>Mediación de seguros</topic>
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<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080583415">
<topic>Agentes de seguros</topic>
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<title>Risk and insurance</title>
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<publisher>Philadelphia</publisher>
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<part>
<text>Vol 63, nº 2, June 1996 ; p. 207-227</text>
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