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.

This diploma paper deals with the problems of the suggestion of a complex insurance protection of entrepreneurial subject, which is company HP Konzult Ltd. It contains basic theoretical solutions in the area of the insurance of entrepreneurial subjects, risk analysis, and complex insurance protection to minimize analized risks that threaten company operation.

Hurricane Ivan struck the Gulf Coast in September 2004. Ivan was classified as a category five storm on the Saffir-Simpson scale of Hurricane Intensity before it made landfall in the U.S. with winds around 165 miles per hour. Its intensity dropped to a category three as it approached the Gulf Coast. Ivan damaged not only properties and businesses along the coast but inland as well. Heavy rains caused rivers and lakes to overflow their banks and tornadoes spawned by the storm struck Tennessee, Kentucky, Louisiana, and Georgia.The purpose of this research is to examine if hurricane insurance or separate endorsements adequately protects and reimburses owners for their losses and to access public and private responses to natural hazards and disaster mitigation using Gulf Shores, Alabama as a case study. Since fall 2004, many homeowners and business owners have been negotiating with their insurance companies. Owners received some help from the organizations like FEMA and the American Red Cross but these efforts were not enough to recuperate all the damages and losses. This study seeks to place the issues of insurance costs, claims and coverage in Gulf Shores, Alabama within the overall context of natural hazards research using archival sources, observation, questionnaires, and formal and informal interviews as data sources. In light of continuing migration to hurricane prone coastal areas, ever-increasing property values and insurance premiums, and the added risk of increasing hurricane frequency, this research contributes to a better understanding of the role of insurance on natural hazard mitigation and preparedness. / Department of Geography

Underwriting is crucial as it considers whether to take the risk to insurance or not. This thesis describes the underwriting process of industrial risks and factors that have influence on the whole process. The first part is devoted to the description of industrial risks, the assessment of current industrial risks and the development and the current state of the industrial insurance in the Czech Republic. The second part describes the different products of industrial insurance and their underwriting process, with the focus on the underwriters, their rights, duties, qualification and risk management. The final part of this thesis deals with describing the whole process to a particular business, resulting in the insurance offer and the calculation of premium.

This Master's thesis deals with analysis of the Czech business liability insurance market, while using a predefined client for preparation of insurance proposals. It then performs an analysis of fulfilling the requirements through control of insurance terms and conditions. Furthermore, the thesis compares the information required by individual insurance companies for the insurance calculations and examines the factors on which the client decides among the proposed insurances. In the course of the thesis is mapped the work of insurance broker, whose activity corresponds to the individual tasks performed by the thesis.