Given the threat of natural disasters to Cultural Heritage, this paper aims to investigate how the use of the insurance instrument contributes to the definition of an adequate risk management strategy. The analysis focuses on the role that insurance can play both by supplying policies covering damage and proactively stimulating prevention behaviors, taking into consideration information imperfections (i.e., adverse selection, moral hazard and charity hazard). Through a survey among Italian Dioceses, data about the diffusion of insurance contracts were collected together with other qualitative and quantitative elements linked to the decisional process of insuring Italian Cathedrals. The empirical analysis shows that the administrators of the Dioceses are aware of the economic value of the cultural assets and in safeguarding the Cathedrals they identify in the insurance system a useful and efficient risk management instrument.

中文翻译：

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文化遗产与自然灾害：意大利大教堂的保险选择

鉴于自然灾害对文化遗产的威胁，本文旨在研究保险工具的使用如何有助于定义适当的风险管理策略。分析侧重于保险在提供涵盖损害的政策和主动刺激预防行为方面可以发挥的作用，同时考虑到信息不完善（即逆向选择、道德风险和慈善风险）。通过对意大利教区的一项调查，收集了有关保险合同传播的数据以及与意大利大教堂保险决策过程相关的其他定性和定量因素。