Determinants of purchasing catastrophe insurace by communes – behavioural perspective

Determinants of purchasing catastrophe by communes – behavioural perspective. Abstract: The paper examines whether Polish communes are willing to buy catastrophe insurance considering behavioural factors such as heuristics and biases. The core methods used in this contribution involve a survey among 348 Polish communes in 2020. The necessary empirical data of a qualitative nature was collected by a consortium of two research agencies, Biostat Research & Development Sp. z o.o. and Biostat Sp. z o.o. The research results supported the hypothesis that the levels of commune income do not have a decisive impact on decisions about the purchase of insurance against catastrophic losses by Polish communes, which allowed to emphasize the role of behavioural aspects of the decision-making process. The article the BDM area to municipalities.