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Stock versus mutual ownership structures : the risk implications

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<title>Stock versus mutual ownership structures : the risk implications</title>
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<namePart>Lamm-Tennant, Joan</namePart>
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<namePart>Starks, Laura T.</namePart>
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<dateIssued encoding="marc">1993</dateIssued>
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<abstract displayLabel="Summary">This article provides empirical tests of the risk differences between two types of ownership structure in the property-liability insurance industry. Empirical evidence is provided that suggests stock insurers have more risk than mutuals where the risk inherent in future cash flows is proxied by the variance of the loss ratio. Further evidence suggests that stock insurers write relatively more business than do mutuals in lines and states having higher risk</abstract>
<note type="statement of responsibility">Joan Lamm-Tennant, Laura T. Starks</note>
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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="MAPA20080611651">
<topic>Mutualidades de seguros</topic>
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<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080606114">
<topic>Estructura empresarial</topic>
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<title>Journal of business .- Chicago : University of Chicago Press</title>
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<part>
<text>nº 1, Vol. 66, 1993 ; p. 29-46</text>
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