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Analysis of insurance products for small and medium - sized enterprises
BLAŠKOVÁ, Lucie
Work to the theme "Analysis of insurance products for small and medium sized enterprises" tries to find the optimal variant of insurance of enterprise for the given company. These variants, also the given insurance companies, are compared by using of monocriteria and multicriteria evaluation of variants. It is possible to apprise basic concept in the first part, relating to insurance industry, insurance, enterprise, small and medium sized enterprises, mono and multicriteria evaluation of variants. There is a given company defined in the practical part, what are these variants evaluate for. There are also requests defined, that a company holder determines with a help of insurance broker, and then insurance offers are in this part defined. I used a method of monocriteria evaluation that supposes pessimistic approach for evaluation of variants. The aim of this evaluation was to determine which combination of insurances would be for the businessman and his company the optimal variant. Variants were evaluated with the help of multicriteria evaluation later, specifically Saaty´ method of weight determination and AHP method for order determination. Criteria, which were evaluated, are for example insurance premium over the discount that was offered through individual insurance companies, requirements for the security of buildings that provide insurance companies, etc. Four variants were evaluated. Today´s businessmen often solve problem, how they should protect themselves and their business against risks that can threaten. At this moment it is important to realize not only what type of risks threaten the business, but also the extent of its. When a businessman decides to one insurance option, it´s necessary to navigate himself through the offers of insurance companies and even get advice from an insurance broker. He can also for example decide based on personal experience with the insurance company. It´s definitely important to analyse the offers from different insurers.
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