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Annette Hofmann, Ph.D.

Assistant Professor
School of Risk Management, Insurance and Actuarial Science
State Doctorate (German Habilitation), Insurance Economics / Health Economics, University of Hamburg
PhD, Economics, University of Hamburg
Annette Hofmann is Assistant Professor of Risk Management and Insurance in the School of Risk Management, Tobin College of Business, at St. John’s University. Before joining St. John's, Annette was the director of the risk management and insurance program at Hamburg School of Business Administration. She previously received her Ph.D. and State Doctorate (German Habilitation) from the University of Hamburg in Germany. In 2011, she was a visiting researcher at the University of Wisconsin-Madison. Annette has published in the Journal of Risk and Insurance, the Journal of Risk and Uncertainty, the Geneva Risk and Insurance Review, the Journal of Insurance Issues, Economics Letters, and the European Journal of Health Economics. She regularly presents research at academic conferences and is a member of the American Risk and Insurance Association as well as the Risk Theory Society.

Research Interests

Among others, Annettes research focus is on risk and insurance economics, decision-making under risk, prevention, health insurance, and health economics.

Courses Taught


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Journal Articles

Hofmann, A., and Scordis, N. A. (2018). Challenges in applying Risk Management Concepts in Practice. Risk Management and Insurance Review. pp. forthcoming.

Hofmann, A., and Peter , R. . (2016). Self-Insurance, Self-Protection, and Saving: On Consumption Smoothing and Risk Management. Journal of Risk and Insurance. vol. 83, pp. 719-734.

Eggert, L., and Hofmann, A. (2016). Managing Supply Chain Disruption Risks via Insurance Solutions - Current Practices and Challenges. International Journal of Management and Decision Making. vol. 15, pp. 154-166.

Hofmann, A., Struempel, D., and Nell, M. (2015). The Impact of Ex Post Remunerated Information Intermediaries on Insurance Market Equilibrium. Zeitschrift für die gesamte Versicherungswissenschaft. vol. 104, pp. 19.

Hofmann, A. (2015). Internalizing Externalities of Loss Prevention through Insurance Monopoly: An Analysis of Interdependent Risks (Reprint). Geneva Risk and Insurance Review (40th Anniversary Edition, Reprint from 2007). pp. 92-111.

Hofmann, A., and Peter , R. . (2015). Multivariate Prevention Decisions: Safe Today or Sorry Tomorrow?. Economics Letters. vol. 128, pp. 51-53.

Hofmann, A., and Oldehaver, G. . (2015). Vertically Linked Industries, Product Quality, and Minimum Quality Standards. German Economic Review. vol. 83, pp. 719-734.

Hofmann, A., and Haas, A. (2014). Emerging Risks from Cloud Computing: Questions of Risk Management and Insurability. Zeitschrift für die gesamte Versicherungswissenschaft. vol. 103, pp. 377-407.

Hofmann, A., Shehu , E. ., Langmaak, A., and Clement, M. (2014). The Healthy Donor Effect and Satisfaction with Health. European Journal of Health Economics. vol. 16, pp. 1-13.

Hofmann, A., and Saljanin, S. . (2013). Miscounseling in Monopolistic Competition: A Case for Regulation. Canadian Center of Science and Education: Review of European Studies. vol. 5,

Hofmann, A., and Browne, M. J. (2013). One-sided Commitment in Dynamic Insurance Contracts: The Market for Private Health Insurance in Germany. Journal of Risk and Uncertainty. vol. 46, pp. 81-112.

Hofmann, A., and Nell , M. . (2012). Smoking Bans and the Second-hand Smoking Problem: An Economic Analysis. European Journal of Health Economics. vol. 13, pp. 227-236.

Hofmann, A., and Nell , M. . (2011). Information Cost, Broker Compensation and Collusion in Insurance Markets. Germany: Schmalenbach Business Review . vol. 63, pp. 287-307.

Hofmann, A., and Ramaj, H. . (2011). Interdependent Risk Networks. International Journal of Management and Decision Making. vol. 11, pp. 312-323.

Hofmann, A., Nell , M. ., and Pohl, P. (2009). On Monopoly Insurance Pricing when Agents differ in Risk Aversion. Journal of Insurance Issues. vol. 32, pp. 133-153.


Hofmann, A. (2013). Economic Issues in Health Policy and Health Insurance Markets: Prevention Incentives, Risk Interdependencies, and Efficiency. University of Hamburg (Habilitation).

Hofmann, A. (2009). Imperfect Insurance Markets: An Economic Analysis of Externalities and Consumer Diversity. Karlsruhe (Germany): Verlag Versicherungswirtschaft.

Book Chapters

Hofmann, A., and Scordis, N. A. (2017). A Practical Perspective on Corporate Risk Management. In: The Palgrave Handbook of Unconventional Risk Transfer. pp. 35-54.

Hofmann, A., and Pooser, D. M. (2017). Insurance-Linked Securities: Structured and Market Solutions. In: The Palgrave Handbook of Unconventional Risk Transfer. pp. 357-373.


Hofmann, A., and Rosenbrock, S. (2010). The Social Health Insurance Competition Strengthening Act in Germany - Can there be Competition without Risk Selection?. Geneva Association Newsletter. vol. 22,