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Catastrophic events caused by naturaldisasters and human activities pose a uniquechallenge for insurers, because they make itdifficult to estimate expected claims and can causedisruption to the insurance market and imposesignificant costs on government, businesses andindividuals. The lack of available coverage ofthese risks in the market, due to the insolvency orunwillingness of insurers to ensure catastrophicevents, can significantly impede the economicrecovery and development of the country.doi:10.7251/noe1824024m fatcat:4qgjzfzhebglvmgkl27aogsbja