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Actual situation in business insurance
Malík, Filip ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
The diploma thesis is concerned with current topics of business insurance risks. The goal of thesis is to explore actual business risks in the world and ways of protection, analyze development of business insurance market in the Czech Republic, categorize business insurance risks and in conclusion describe selected insurance products in detail, which will influence the market structure of business insurance most in future I suppose. These product are Key person insurance (Keyman), Directors and Officers liability insurance (D&O) and Environmental insurance. My analysis showed that the most important global business risks currently are economic risks, business interruption risks and risks of natural disasters. Businessmen in the following period will have to deal primarily with the threat of regulation and compliance, maintain continued access to credit and recover from economic recession. The business insurance market is growing slightly and also provides great potential for growth in the future. Major trend in the field of business insurance last years is stagnation and decline of insurance rates. It can be expected that the structure of business insurance market will be affected mostly by liability insurance.
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Analysis of the US Business Environment
Cook, Gina ; Machková, Hana (advisor) ; Sedláčková, Helena (referee) ; Pichanič, Mikuláš (referee)
In the last five years, the US has experienced a significant number of unprecedented events, many of which will have long-term impact on its business environment. Given this fact and the rapid pace of change in the world today, there is a new imperative for understanding and managing these complex dynamics and associated emergent risks. This dissertation, therefore, focused on analyzing the current state of the US business environment; the analysis creates a basis for further examination of the various aspects of the studied problems. The author undertook a comprehensive environmental scan, using a broad set of information resources, in order to look at its present status and the factors affecting it as well as the perceived level of risk. During this process, the author also attempted to verify whether the current method of PEST analysis is still a relevant and useful tool given today's complex, intertwined and quickly evolving global business environment. The first chapter is devoted to the theoretical background of information seeking and environmental analysis as well as classifying international business risks. Chapter two takes a broad look at the US macro economy, including the following areas: Political, Legal, Economic, Socio-Cultural and Technological. Chapter three is a business application, and the bulk of its content is devoted to the specifics of the current US business environment; the perceived risks affecting it are also investigated. Final conclusions are drawn based on the research conducted.
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Insurance of business risks from a content of insurance conditions point of view
Tůmová, Kateřina ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
In this project I deal with insurance products determined for entrepreneurs and with exceptions, which are contained in insurance conditions for these insurance products. Then there is paid attention to problems about prevention possible damages, underinsurance and information, which are necessary for presentation to insurance for completion of contract. Finally, there are also given examples of complex insurance products and it is mentioned support of ethical attitude from insurance. In conclusion there are also attached model example of insurance portfolio of business and comparison insurance of export credit in two different territories from the risk profile.
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Insurence analysis of consequential loss insurance in conditions of czech insurance marktet
Voldřichová, Anna ; Ducháčková, Eva (advisor)
This work is focused on "consequential loss insurance"mainly is related to business insurance. It contains elementary characteristic, history, general conditions, position on insurance market, trends and development. It analyzes Czech insurance market, a method of distribution in Czech Republic by standardized packet and their elementary characteristic, development of sale in Czech Republic and insurance company portion on the market. It also includes method how choose insurance company for insurance of business risks in touch on Risk management.
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