Dayour Frederick, Adongo Charles A, Kimbu Albert N
Department of Community Development, University for Development Studies, Ghana.
School of Tourism and Hospitality, University of Johannesburg, South Africa.
Tour Manag Perspect. 2020 Apr;34:100674. doi: 10.1016/j.tmp.2020.100674. Epub 2020 Apr 8.
Small and medium-sized tourism and hospitality enterprises (SMTHEs) are often susceptible to various hazards, which result in risk concerns. Insurance is recognised as one of the risk management strategies, but evidence indicates that insurance uptake among SMTHEs has been low. Yet, researchers have hardly researched into the factors that influence insurance uptake among SMTHEs. Two-hundred and fifty (250) respondents were selected using a multi-stage sampling technique. Confirmatory factor analysis, multivariate logit and probit regression techniques were used to determine factors underlying SMTHEs' insurance uptake. Risk concerns, the firm's characteristics, the perceived benefits of insurance and other informal risk coping mechanisms, as well as insurance service provision concerns were identified as determinants of insurance uptake. This is one of the first papers to offer a holistic understanding of the factors influencing SMTHEs' insurance subscription in a resource-scarce destination of Sub-Saharan Africa. The practical and theoretical implications of the paper are discussed.
中小型旅游与酒店企业（SMTHEs）往往易受各种风险影响，这引发了风险担忧。保险被视为风险管理策略之一，但有证据表明，SMTHEs的保险购买率一直很低。然而，研究人员几乎没有对影响SMTHEs保险购买的因素进行研究。采用多阶段抽样技术选取了250名受访者。运用验证性因素分析、多元逻辑回归和概率回归技术来确定SMTHEs保险购买背后的因素。风险担忧、企业特征、保险的感知收益和其他非正式风险应对机制，以及保险服务提供方面的担忧被确定为保险购买的决定因素。这是首批全面理解影响撒哈拉以南非洲资源稀缺地区SMTHEs保险认购因素的论文之一。本文还讨论了其实际意义和理论意义。
