Treść książki
Przejdź do opcji czytnikaPrzejdź do nawigacjiPrzejdź do informacjiPrzejdź do stopki
Businessinsurancecosting...
17
businessentity.Figure1presentsthebasicclassificationofbusinessinsurance.Itis
dividedintotwogroups:assetinsuranceandliabilityinsurance.Assetinsurance
maybefurtherclassifiedastangibleassetinsurance,financialresultinsuranceand
intangibleassetinsurance.
Assetinsuranceisagroupofproductscharacterizedbythefactthatthesum
insuredisdeterminedbasedontheaccountingdataofabusinessentity,where
thevaluationofassetsisanextremelysignificantand,atthesametime,a
relativelyunambiguouselement.Typicalinsurancefromthisgroupincludes:
insuranceofequipment,panes,machinery,crops,propertyintransit,casco,as
wellasinsuranceguarantees,creditinsurance,receivableinsuranceorlossof
profitinsurance.
Figure1.Classificationofbusinessinsurance
Source:author’sownworkbasedonKwiecień[2009,pp.118–127].
Liabilityinsuranceismoreambiguouswhenitcomestodeterminingthesum
insuredsinceitsessenceiscompensationfordamagetoproperty,healthorlifeofa
thirdpartyarisingfromimproperperformanceoftheactionswithinthescopeof
theliabilityofagivenperson.Thisinsurancegroupincludescivilliability
insurance,relatedtoperformingparticularprofessions,suchascommunication,
farmers,carriers,masseventorganizersorhealthcareinstitutions.Aproductwhich
isfairlyinterestingfromtheviewpointofitsstructure,thatis,productcivilliability
insurance,alsobelongstothisgroup.Itisintendedprimarilyfortheentities
involvedinmanufacturingactivity.
TheinsurancecompaniesoperatingonthePolishmarketdonotprovidea
particularlyextensivebusinessinsuranceoffer.Thismarket,despitehaving
alwaysbeenpresent,hasdevelopedrelativelyrecently,andthustheofferofthis
typeofinsurancehasstillbeenextremelylimited.Itneedstobealsoremembered
