Responsibility Sharing (Elements of a Framework for Understanding Insurance Business Ethics)

This contribution suggests a preliminary, broad definition of responsibility and presents different dimensions of the concept. Next, the concept of shared responsibility is developed by combining different criteria to a number of typologies. These concepts and typologies are then illustrated with reference to the relationship between insurance customers and the insurance industry. The paper concludes with formulating some next steps for future empirical studies of interdependent insurance marketing and insurance consumer ethics.