2025-06-08-IMF-ECCU面临的财产保险挑战_ECCU（英）_11页_1mb

Property Insurance Challenges in the ECCU Summary

• Introduction: The Eastern Caribbean Currency Union (ECCU) faces significant challenges in property insurance affordability due to reliance on global reinsurance and recent market tightening.
• Key Challenges:
  • Global reinsurance market conditions have tightened, leading to higher local premiums and reduced coverage capacity.
  • Rising insurance costs exacerbate non-insurance and under-insurance gaps, increasing economic and fiscal risks from natural disasters.
• Policy Recommendations:
  • Strengthen insurance data collection, risk analysis, and regional supervision to improve risk monitoring and market stability.
  • Promote private sector resilience investments and consider public-private insurance programs to address affordability and coverage issues.
• Conclusions: Concerted efforts are needed to mitigate risks and enhance the ECCU's ability to manage property insurance challenges sustainably.