Annette Hofmann, Ph.D.

Associate Professor
Maurice R. Greenberg School of Risk Management, Insurance and Actuarial Science
PhD, Economics, University of Hamburg
Annette Hofmann is the MetLife Associate Professor of Risk Management and Insurance in the School of Risk Management. Before joining St. John's, Annette was the director of the risk management and insurance MBA program at Hamburg School of Business Administration in Germany. She earned her Ph.D. from the University of Hamburg (excellence university in Germany), where she studied business and economics. In 2011, she was a visiting researcher at the University of Wisconsin-Madison. Among others, she publishes in the Journal of Risk and Insurance, the Journal of Risk and Uncertainty, the Geneva Risk and Insurance Review, the European Journal of Health Economics, the Journal of Banking and Finance, and Economics Letters. She regularly presents at academic conferences and is a member of the American Risk and Insurance Association, the European Group of Risk and Insurance Economists, and Risk Theory Society.

Research Interests

Economics of risk and uncertainty, insurance markets, decision-making under risk, prevention and health, health insurance, health economics.

Courses Taught


Select Publications

Journal Articles

Hofmann, A., and Rothschild, C. (2019). On the Efficiency of Self-Protection with Spillovers in Risk. Geneva Risk and Insurance Review.

Hofmann, A., Neumann, J., and Zweifel, P. (2019). Risky Health Decisions under Regulatory Constraints. Journal of Risk and Uncertainty. vol. 59,

Hofmann, A., Wheatley, S., and Sornette, D. (2019). Addressing insurance of data breach cyber risks in the catastrophe framework. Geneva Papers on Risk and Insurance - Issues and Practice.

Hofmann, A., and Scordis, N. A. (2018). Challenges in applying Risk Management Concepts in Practice. Risk Management and Insurance Review. vol. 21, pp. 309-333.

Hofmann, A., Neumann, J. K., and Pooser, D. (2018). Plea for Uniform Regulation and Challenges of Implementing the New Insurance Distribution Directive. Springer : Geneva Papers on Risk and Insurance - Issues and Practice [Special Issue on Insurance Regulation]. vol. 43, pp. 740-769.

Hofmann, A., and Pelster, M. (2018). About the Fear of Reputational Loss: Social Trading and the Disposition Effect. Journal of Banking and Finance . vol. 94, pp. 75-88.

Hofmann, A., Haefen, O. V., and Nell, M. (2018). Optimal Insurance Policy Indemnity Schedules with Policyholders' Limited Liability and Background Risk. Journal of Risk and Insurance. 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.

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., 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 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.