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Opportunities in our daily lives are always associated with risks.
Technical innovations can minimize, but never exclude risks: accidents, natural disasters, pandemics or cyber events may be unlikely to occur, but when they do, they may lead to severe damage. Insurance companies enable us to cope with such risks.

The HoI investigates opportunities and risks and develops ways to improve their balance.

Current challenges of economics include the connection from insurance companies to financial markets, new dimensions in data availability (data science), the digitization of the insurance business model (InsurTech), novel risk classes (risks of autonomous mobility systems, cyber risks) and the systematic optimization of regulatory requirements.