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Innovation of Selected Insurance Products and their Alternatives
Kolouchová, Jana ; Kupčík,, Petr (referee) ; Ptáček, Roman (advisor)
The diploma thesis deals with innovations selected insurance products and their alternatives. The theoretical part describes the insurance market and development of insurance in the Czech Republic, defines important terms as a coincidence, insured event, insurance products, risk and legal norms in the insurance. In the practical part is an analysis of the selected insurance company and its competitors. On the basis of obtained information are selected insurance products compared. In the proposal part are recommended changes for existing insurance products of the selected insurance company in terms of their content and coverage of risk in the unexpected event. The partial aim is the proposal an alternative insurance product for selected insurance company, which could arise in the future in its range of insurance products.
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Securing the site in relation to insurance of alienation risk
Bachan, Jan ; Šenigl, Jaroslav (referee) ; Hanák, Tomáš (advisor)
This thesis deals with construction site security, particularly against theft by insurance. The main goal of the thesis is to compare the products that are suitable for this aim and that are offered by the biggest security companies on the local market. First it was important to identify the type of property which is most often the subject of theft, then the persons or groups of persons who might be potential thieves, and also the most frequent way of conducting this criminal activity. Furthermore, time and cash plan was devised from a family house budget. Then it was necessary to write down an inventory of the working tools that are going to be owned by the investor. In this model case the investor is going to do the construction on his own. After discovering this data I conducted a comparative analysis of the insurance products offered by the four biggest insurance companies on the market. The result of this work is the choosing of the most appropriate insurance product, which would be the best at covering the potential danger of theft at the construction site.
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The insurance of the town Třešť
Doláková, Hana ; Menclová, Eva (referee) ; Martinovičová, Dana (advisor)
A subjekt of this diploma thesis is to characterize risks and find suitable insurance portfolio. So an objektive of my thesis is suggestion suitable insurance portfolio for thw town Třešť. Diploma thesis is about risks, their classification, insurance and insurance products for non-profit-making organization. I tis focused on kriteria important for a organization when choosing an appropriate insurance too. It contains brief description of the organization and analysis of risks that can threaten it. Current insurance products are analyzed and optimal insurance coverage suggested.
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Issues of Sum Insured and Premium Determination in Property Insurance
Pískatá, Petra ; Šenigl, Jaroslav (referee) ; Hanák, Tomáš (advisor)
The aim of this bachelor’s thesis is to describe the issue of sum insured determination and insurance fee assessment. In the first part the insurance appraisal using metodics of insurance business are compared to real estate value assessed in accordance with law and finally to structural budget price. The second part deals with actuarial mathematics, on which the insurance rate calculation is based. Furthermore, factors having an effect on final insurance pricing are commented on. Both of these parts come with a conclusion and recommendations for all who are interested in entering into a contract. Some sound principles to follow when concluding an insurance contract of this type are also mentioned.
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Solvency Internal models
Mertl, Jakub ; Cipra, Tomáš (advisor) ; Mazurová, Lucie (referee) ; Jedlička, Petr (referee)
Title: Solvency Internal models Author: Mgr. Ing. Jakub Mertl Abstract: The subject of thesis is assessment of calculation methods on capital adequacy of currently implemented regulation in insurance industry called Solvency II. The aim of the thesis is to build up a partial internal model fulfilling the condition of Solvency II. The thesis deals with the premium and reserve risks that are essential part of non-life business. Different approaches of risk assessment are described and aggregation of those risks as well. An important part of the thesis is a numerical example illustrating presented methods.
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