Thesis (Ph. D.)--Ohio State University, 2007. / Title from first page of PDF file. Includes bibliographical references (p. 97-99).

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Since the early 1980's there has been a heightened academic interest in the field of commitment, particularly as it relates to business relationships. Knowledge of commitment continues to advance and has begun splintering and applied into specific and narrow fields. The particular field of interest in this study surrounds commitment levels in business relationships within property and casualty insurance distribution networks. The intent of understanding and enhancing commitment levels is to allow stakeholders to explore new ways to improve profitability. This can be achieved by deepening the level of understanding and knowledge of relationship partners with a view to anticipating and fulfilling their needs better than the competition. However, commitment is intangible and involves many factors including human emotion. This increases the difficulty in comprehending the whole phenomenon of commitment. To assist in furthering the knowledge in this area, transaction cost theory is examined and applied to insurance company and broker relationships. In seeking a greater understanding of the underlying drivers of commitment, this thesis investigates the theoretical contribution of transaction cost economics theory in assessing commitment levels. The purpose is to utilize the elements of transaction costs as a means to extend the awareness of how commitment is constructed, and to search for ways to improve and strengthen these relationships. The primary research method consists of three major case studies within the Canadian property and casualty insurance distribution sector. The first case study explores the perspectives of insurance brokers in Ontario. The second study reveals the perceptions of relationship managers employed with ING Canada, the country's largest property and casualty insurance company. Lastly, the research incorporates a series of interviews with ING Canada senior executives to capture their perspectives and validate the research findings from the first two case studies. These investigations into the Canadian insurance industry have provided several outputs, chief among them is the development of a conceptual model referred to as the 'Commitment Wheel'. This model has the advantages of seating affective and calculative commitment at the centre of a moving environment of commitment enablers.

Balbutiante à la fin de l’Ancien Régime, interdite sous la Révolution, quasi inexistante sous le premier Empire, l’assurance de dommages réapparut sous la Restauration pour prendre son envol sous le second Empire. La Révolution avait certes interdit les sociétés d’assurances, mais en sacralisant l’individu elle a développé le besoin de sécurité et donc à terme le besoin d’assurances. Ce sont des créateurs humanistes qui relancèrent l’idée d’assurance en concevant les premières mutuelles contournant ainsi l’interdiction révolutionnaire. L’assurance de dommages s’est construite sur la science des jurisconsultes et sur la jurisprudence. Le législateur est intervenu tardivement, en 1930, alors que les compagnies d’assurances avaient déjà pris leur essor. Au XVIIIe et XIXe siècles, il s’agissait de protéger ses biens contre les risques d’incendie. La société française étant alors essentiellement agricole, les assurances couvraient aussi le risque de grêle et la mortalité du bétail. L’industrialisation de la France a contribué au développement des contrats de responsabilité professionnelle et aussi de responsabilité civile. L’assurance automobile en est un exemple. Aujourd’hui, l’assurance est une activité complexe exigeant une grande technicité et à forts enjeux financiers. Elle est dans de nombreux cas devenue obligatoire. Pourquoi avoir interdit les sociétés d’assurances sous la Révolution ? Comment s’est construite et s’est développée l’assurance avant que le législateur n’intervienne ? Quelle a été son évolution et quel fut le rôle de l’État après la loi de 1930? C’est à ces questions que nous tenterons de répondre au cours de cette étude. / History of property and casualty insurance in France In its infancy at the end of the Ancien Régime, forbidden under the Revolution, almost non-existent under the first Empire, property and casualty insurance reappeared under the Restoration to take off under the second Empire. The Revolution had admittedly forbidden insurance companies, but by making sacred the individual it developed the need for security and thus eventually the need for insurance. Humanist creators re-launched the idea of insurances by creating the first mutual insurance companies thereby bypassing the revolutionary ban. Property and casualty insurance built itself on the science of the lawyers and on jurisprudence. The legislator intervened later, in 1930, although insurance companies had continued to develop. Initially it was a question of protecting ones possessions against fire risks. The French society being then essentially agricultural, the insurances also covered the risk of hail and the mortality of the cattle. The industrialization of France contributed to the development of the contracts of professional and civil liability. The automobile insurance is an example. Today the business of insurance is a highly technical and complex activity with high financial stakes. In numerous cases it is compulsory. What were the reasons for forbidding insurance companies under the Revolution? How did the insurance business develop before the legislator intervened? What changed and what was the part of the government after the law of 1930? We shall try to answer these questions by this study.

L'opération de crédit bail est un ensemble contractuel dans lequel plusieurs contrats participent à la réalisation d'un but commun. Il s'agit du financement en vue de l'acquisition ou de la construction d'un bien mobilier ou immobilier. L'opération met en scène un contrat principal autour duquel s'agglomèrent d'autres contrats accessoires. La recherche de la sécurité étant « l'obsession » de l'établissement financier, l'opération se traduit par l'exigence par celui ci de diverses assurances dont chacune couvre un risque bien déterminé. L'assurance apparaît ainsi pour l'établissement financier comme le principal pilier sur lequel repose la sécurité du financement. « L'assurance dans l'opération de crédit bail » vise donc à étudier les différentes assurances exigées par l'établissement financier pour se protéger et protéger les intervenants à l'opération et le bien crédit baillé. Le nombre des protagonistes à l'opération, leurs intérêts souvent communs, parfois opposés, les modes de construction retenus, les techniques d'assurance utilisées complexifient l'opération. Cette thèse juge de l'efficacité de l'assurance dans le crédit-bail en appréhendant les droits et obligations des parties au crédit bail et de l'assureur. Sous le prisme de la couverture des risques de l'opération et de la survenance du sinistre, elle identifie les obstacles auxquels peuvent être confrontées les parties au crédit bail et les remèdes pour les surmonter. L'étude de l'assurance dans l'opération de crédit bail, vise ainsi à servir les intérêts pratiques des opérateurs économiques dans un double souci de sécurité et d'efficacité juridique. / The leasing transaction is a contractual package in which several contracts are involved in achieving a common goal. It is a source of funding for the acquisition or construction of a movable or immovable property. This operation features a main contract around which are established other ancillary contracts. In view of financial institutions "obsession" over security, the operation involves the requirement by the latter of various insurances each covering a specific risk. In fact, the institution considers insurance the main pillar for securing the funding."Insurance in Leasing Transactions" therefore aims to explore the various insurances required by the financial institution to protect itself as well as the other parties involved in the transaction and leased property. The number of stakeholders in the transaction; their often common, and sometimes conflicting, interests; the construction methods adopted and the insurance underwriting techniques used are likely to complicate the operation. This thesis assesses the effectiveness of the insurance in leasing by appraising the rights and obligations of the stakeholders of the leasing transaction and the insurer. In terms of hedging, the risks of the transaction and of the occurrence of the insured event, it identifies the obstacles which may be encountered by the parties to the leasing and provides solutions to overcome them. Thus, the study of insurance in leasing operations aims to serve the practical interests of the economic operators, for the sake of both security and legal efficiency.