@article{publication-1948,
	author={Breuer, M},
	doi={10.1111/j.1539-6975.2005.00136.x},
	issn={0022-4367},
	journal={Journal of Risk and Insurance},
	number=4,
	pages={525-538},
	publisher={Wiley-Blackwell},
	title={Multiple losses, ex ante moral hazard, and the implications for umbrella policies},
	volume=72,
	year=2005,
}