Optimalizace pojistné ochrany vybraného subjektu
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Date
2024-06-11
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Abstract
Diplomová práce je zaměřena na optimalizaci pojistné ochrany vybraného subjektu. S ohledem na specifický obor podniku je optimalizace soustředěna na oblast komplexního pojištění vozového parku. V rámci práce byla provedena analýza současného stavu pojistné ochrany, kde taktéž došlo k identifikaci rizik ohrožující provoz podnikových vozidel. Na základě konzultací byly posouzeny požadavky pojistné ochrany a na základě srovnání jednotlivých nabídek pojistných produktů byla vyhodnocena nejoptimálnější varianta pojistného krytí. Pro praktické využití těchto postupů byl představen koncept rizika, jeho chápání a členění, spolu s několika fázemi jeho řízení. Teoretická oblast rovněž objasnila základní pojmy a princip fungování pojišťovnictví v České republice. Následně se práce zaměřila na majetkové pojištění a oblast pojištění podnikatelských a průmyslových rizik. Pozornost byla věnována výhradně pojištění vozidel, jehož součástí bylo shrnutí výhod i nevýhod provozování flotil. V druhé části práce byly poznatky z teoretické sekce uplatněny pomocí analýzy rizikové matice, vícekriteriálního rozhodování a porovnání nabídek pojistných produktů, aby došlo k doporučení optimální varianty pojistné ochrany.
The thesis is focused on optimization of insurance protection of the selected entity. Considering the specific field of the company, the optimization is focused on the area of complex fleet insurance. Within the thesis, an analysis of the current state of insurance protection was carried out, where the identification of risks threatening the operation of company vehicles. On the basis of consultations, the insurance protection requirements were assessed and the most optimal insurance coverage option was evaluated by comparing different insurance product offerings. For the practical application of these procedures, the concept of risk, its understanding and breakdown, together with several phases of its management were introduced. The theoretical area also explained the basic concepts and principles of the insurance industry in the Czech Republic. Subsequently, the thesis focused on property insurance and business insurance and industrial risks. Attention was paid exclusively to vehicle insurance, which included a summary of the advantages and disadvantages of operating fleets. In the second part of the thesis, the findings from the theoretical section were applied through risk matrix analysis, multi-criteria decision making and comparison of insurance product offerings to recommend the optimal insurance protection option.
The thesis is focused on optimization of insurance protection of the selected entity. Considering the specific field of the company, the optimization is focused on the area of complex fleet insurance. Within the thesis, an analysis of the current state of insurance protection was carried out, where the identification of risks threatening the operation of company vehicles. On the basis of consultations, the insurance protection requirements were assessed and the most optimal insurance coverage option was evaluated by comparing different insurance product offerings. For the practical application of these procedures, the concept of risk, its understanding and breakdown, together with several phases of its management were introduced. The theoretical area also explained the basic concepts and principles of the insurance industry in the Czech Republic. Subsequently, the thesis focused on property insurance and business insurance and industrial risks. Attention was paid exclusively to vehicle insurance, which included a summary of the advantages and disadvantages of operating fleets. In the second part of the thesis, the findings from the theoretical section were applied through risk matrix analysis, multi-criteria decision making and comparison of insurance product offerings to recommend the optimal insurance protection option.
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pojištění vozidel, risk management, riziko, riziková matice, vícekriteriální rozhodování