When an insurance company can't cover all of its claims, it actually has its own insurance. This is called "reinsurance." How does that work and why do reinsurers look at their risk pool differently than say home or auto insurers? Related episodes: Why is insurance so expensive right now? And more listener questions (<a href="https://podcasts.apple.com/us/podcast/the-indicator-from-planet-money/id1320118593?i=1000652527715">Apple</a> / <a href="https://open.spotify.com/episode/3Nm65Vg7RbSFxMT7XkBeuC?si=8ff825f9561c43c4">Spotify</a>) When insurers can't get insurance (<a href="https://podcasts.apple.com/us/podcast/the-indicator-from-planet-money/id1320118593?i=1000618021426">Apple</a> / <a href="https://open.spotify.com/episode/4DX8I6eXgwkDJUrhixrZOI?si=51c4e22d846d4463">Spotify</a>) For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at <a href="http://plus.npr.org/">plus.npr.org</a>. Music by <a href="https://dropelectric.bandcamp.com/">Drop Electric</a>. Find us: <a href="https://www.tiktok.com/@planetmoney">TikTok</a>, <a href="https://www.instagram.com/planetmoney/">Instagram</a>, <a href="https://www.facebook.com/planetmoney">Facebook</a>, <a href="https://www.npr.org/newsletter/money">Newsletter</a>. Learn more about sponsor message choices: <a href="https://podcastchoices.com/adchoices">podcastchoices.com/adchoices</a> <a href="https://www.npr.org/about-npr/179878450/privacy-policy">NPR Privacy Policy</a>

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Profiting off greater risk: the reinsurance game

The Indicator from Planet Money