This thesis is concerned with the options of the choice of the appropriate way for citizens to save or invest their financial means in order to prepare for the era of the postproductive age -- retirement. It is obvious that a significant drop of income occurs after the end of the productive period of life. The pensions are not sufficient for maintaining a certain level of living and that is why it is important to prepare for this postproductive period in advance and to create financial reserves. The current financial market offers the citizens a variety of means and options to not only appropriately save their financial means but to take interest from them as well. The thesis characterizes individual saving or investment products while focusing on their safety, the possibility of interest and basic advantages and disadvantages. Life insurance is mentioned in the first place, though it does not offer a high profit, it provides insurance security unlike other possibilities and it definitely should not be overlooked. The thesis also briefly deals with several changes concerning the pensions system since 1.1.2013.

The diploma thesis deals with the selection of suitable insurance protection for a selected business entity. Risk analysis identifies the most serious risks. Based on the identified risks and the current insurance coverage for the current offers of insurance products offered by insurance companies, the optimal proposal for the company will be determined.

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.

Выпускная квалификационная работа (магистерская диссертация) посвящена развитию института социального и личного страхования в России. Рыночные отношения обусловило потребность в страховании имущественных интересов, связанных с жизнью и здоровьем граждан, а также имущественные интересы, связанные обязанностью возмещения вследствие причинения вреда третьим лицам. Задача усовершенствование видов и форм личного страхования требует изучения и тщательного анализа. Актуальность исследования обязательных форм социального и личного страхования обусловлена потребностью оценки и счислением потерь, наступающих в результате различных непредвиденных ситуаций для последующего предъявления и взыскания. Более всего социальная защита актуальна для социально незащищенных слоев населения, которым приходится компенсировать убытки самостоятельно. / Final qualification work (master thesis) is devoted to the development of the institution of social and personal insurance in Russia. Market relations necessitated the insurance of property interests related to the life and health of citizens, as well as property interests related to the obligation to compensate for damage to third parties. The task of improving the types and forms of personal insurance requires study and careful analysis. The urgency of the study of compulsory forms of social and personal insurance is conditioned by the need for evaluation and the calculation of losses arising as the result of various unforeseen situations for subsequent presentation and collection. Most of all, social protection is relevant for socially unprotected layers of the population, who have to compensate for losses on their own.

The Master’s thesis deals with evaluation of insurance protection of the Municipality of Albrechtice. The target of this work is to analyze the risk, which endangers the Municipality of Albrechtice and to compare analysis results to existing insurance protection and possibilities offered by other competitors. The proposals of insurance protection improvement of Municipality of Albrechtice in future are included.