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  • 1.
    Andersson, Lars Fredrik
    et al.
    Umeå University, Faculty of Social Sciences, Centre for Demographic and Ageing Research (CEDAR). Umeå University, Faculty of Social Sciences, Unit of Economic History.
    Liselotte, Eriksson
    Umeå University, Faculty of Social Sciences, Centre for Demographic and Ageing Research (CEDAR). Umeå University, Faculty of Social Sciences, Umeå Centre for Gender Studies (UCGS).
    Nystedt, Paul
    Dept. of Economics, Jönköping International Business School, Jönköping University.
    Workplace accidents and workers solidarity: mutual health insurance in early twentieth-century Sweden2022In: Economic history review, ISSN 0013-0117, E-ISSN 1468-0289, Vol. 75, no 1, p. 203-234Article in journal (Refereed)
    Abstract [en]

    During the industrialization period, the rate of workplace-related accidents increased. Because of the lack of public insurance, mutual health insurance societies became the main providers of workplace accident insurance among workers. Due to large differences in accident risk, health insurance societies were potentially exposed to the risk of adverse selection, since they employed equal pricing for all members regardless of risk profile. This article investigates the impact of workplace accident risk on health insurance selection and outcomes. We employ household budget surveys encompassing urban workers in Sweden during the early twentieth century. We find evidence for a redistribution from low- to high-risk-exposed workers, as workplace accident risk had a significant and positive impact on receiving health insurance benefits, also when controlling for a variety of factors. Workers exposed to greater risks in the workplace were more likely to have health insurance but did not pay higher premiums. The redistribution from low- to high-risk-exposed workers was largely accepted and viewed as an act of solidarity between workers. Given that health insurance societies were aware of this redistribution, we argue for the presence of informed, rather than adverse, selection.

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  • 2.
    Andersson, Lars-Fredrik
    et al.
    Umeå University, Faculty of Social Sciences, Department of Geography and Economic History.
    Eriksson, Liselotte
    Umeå University, Faculty of Social Sciences, Umeå Centre for Gender Studies (UCGS).
    The compulsory public pension and the demand for life insurance: the case of Sweden, 1884–191412015In: Economic history review, ISSN 0013-0117, E-ISSN 1468-0289, Vol. 68, no 1, p. 244-263Article in journal (Refereed)
    Abstract [en]

    We employ cost-of-living surveys, business archives, and firm data to examine the impact of the compulsory pension on the demand for life insurance in Sweden from 1884 to 1914—a period that covers the implementation of the first public compulsory old-age pension reform and the take-off of industry life insurance. As predicted on the basis of the contemporary literature on crowding-out effects, we find that the compulsory pension reduced the demand for life insurance. Our panel-data analysis of lapse rates on insurance policies shows a significant crowding-out effect of pension payments. We conclude that the introduction of the general compulsory pension had a crowding-out effect on households’ holdings of insurance policies.

  • 3.
    Bohman, Magnus
    Umeå University, Faculty of Social Sciences, Department of Geography and Economic History.
    Conditional crisis?: Ecological challenges and conditions of growth during the agricultural revolution in southern Sweden, c. 1700–19002017In: Economic history review, ISSN 0013-0117, E-ISSN 1468-0289, Vol. 70, no 1, p. 171-186Article in journal (Refereed)
    Abstract [en]

    Was there an agro-ecological crisis in Europe which preceded and contributed to pushing forward the agricultural revolution? This article presents a new theoretical and empirical approach to this controversial perspective on agricultural transformation and relates to an ongoing debate on conditions of growth in pre-industrial societies. The results demonstrate that there were indeed indicators of a crisis, which grew stronger during the eighteenth century and culminated in the early nineteenth century. The crisis was, however, not general, but was rather restricted to areas that stand out due to poor natural conditions for agriculture. In other words, the crisis was conditional. Furthermore, the findings show that the crisis could push forward changes that were important for enabling agricultural transformation and growth. However, both the emergence and reversal of the crisis were connected to new opportunities opened up by market development. Enough differences were found between different types of regions to suggest that there were many development paths within the agricultural transformation process, and that they were not necessarily linear.

  • 4.
    Ericsson, Tom
    Umeå University, Faculty of Social Sciences, Centre for Population Studies (CPS).
    Review av Guido Alfani, Fathers and godfathers: spiritual kinship in early-modern Italy2010In: Economic history review, ISSN 0013-0117, E-ISSN 1468-0289, Vol. 63, no 3, p. 834-835Article, book review (Other academic)
  • 5. Gutiérrez González, Pablo
    et al.
    Andersson, Lars Fredrik
    Umeå University, Faculty of Social Sciences, Department of Geography and Economic History, Economic history.
    Managing financial constraints: undercapitalization and underwriting capacity in Spanish fire insurance2018In: Economic history review, ISSN 0013-0117, E-ISSN 1468-0289, Vol. 71, no 2, p. 567-592Article in journal (Refereed)
    Abstract [en]

    Reinsurance is a vital financial device for enhancing underwriting capacity, ceding risks, and mitigating financial distress. By supplying financial resources and services, reinsurance can facilitate growth and expansion in the insurance business. Focusing on the insurance sector in the emerging Spanish economy and using a novel dataset on fire insurance companies, this article examines the role of fire insurance in the national capital formation, the importance of reinsurance as a vehicle for expanding the country's domestic underwriting capacity, and how the import of capital impacted on the balance of payment, from the introduction of the first comprehensive legislation regarding insurance in 1908 to the outbreak of the Civil War in 1936. Considering the situation of undercapitalization, the singularities of the insurance market, and the changes in regulatory schemes, we find that foreign reinsurance became a key financial vehicle for increasing underwriting capacity in Spain. We also show the struggle of an emerging market to find ways to keep the balance of current accounts and raise capital when financial infrastructure was underdeveloped. The diffusion of reinsurance networks from the core of industrial western countries towards emerging economies was one of the mechanisms for financial modernization on a global scale.

  • 6.
    Stanfors, Maria
    et al.
    Department of Economic History, Lund University, Sweden.
    Karlsson, Tobias
    Department of Economic History, Lund University, Sweden.
    Andersson, Lars-Fredrik
    Department of Economic History and International Relations, Stockholm University, Sweden.
    Liselotte, Eriksson
    Umeå University, Faculty of Social Sciences, Umeå Centre for Gender Studies (UCGS).
    Between voluntarism and compulsion: membership in mutual health insurance societies in Swedish manufacturing, c. 19002024In: Economic history review, ISSN 0013-0117, E-ISSN 1468-0289, Vol. 77, no 1, p. 244-267Article in journal (Refereed)
    Abstract [en]

    Membership in mutual health insurance societies spread among industrial workers in the late nineteenth century. We study determinants of such membership among male workers in Swedish manufacturing by using matched employer–employee data from three industries covering all workers (i.e. members and non-members, N > 12 000) and firms around 1900. We find remarkably high rates of membership overall, and especially among married workers. The association between marital status and health insurance suggests that selection into health insurance societies was ‘propitious’ rather than ‘adverse’. Many workers became members well before the age of 40 years, when their health began to deteriorate, and this coincided with the average age of first marriage for men, occurring in their late twenties. Being married and having membership was more marked in firms with voluntary membership and was important for the viability of the mix of voluntary and compulsory health insurance societies emerging in Nordic countries around 1900. Findings support the idea that health insurance can attract high levels of membership under voluntary schemes and suggest why it took so long before statutory health insurance covering sickness absence and workplace accidents was introduced in Sweden.

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