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An examination of a proposed state self-insurance fund to replace commercial fire insurance on public properties. / Master of Science

LL.M. / Please refer to full text to view abstract

s e-Commerce era has been brought into being, the call of ¡§disintermediation¡¨ comes to vogue, yielding overwhelming impact, in particular upon services provided by insurance brokers, agents and such ¡§production¡¨, ¡§transmission¡¨ oriented digital products. As insurance products and rates get liberalized after Taiwan became a WTO member, the insurance ¡§intermediates¡¨ must reconsider and innovate their business management strategies amidst harsh challenges of ¡§direct marketing¡¨ from insurance companies, ¡§integral and cross selling¡¨ and ¡§online website insurance¡¨ from financial holding houses. Only through such efforts can they cope with internal and external attacks, gain the room to survive and further develop ahead. The present study takes ¡§single research object¡¨¡XHo-An Insurance Agency to look into a variety of transforming strategies when a car dealer invests in large-scale ¡§property insurance agency¡¨. We have conducted the study and assessment by means of ¡§literature reorganization¡¨, ¡§interview¡¨, ¡§traditional strategic analysis theories, tools¡¨, ¡§digital traditional strategic analysis theories, tools¡¨ and ¡§market survey¡¨. With the results yielded out of the study, we first come to Ho-An¡¦s ¡§Generic Strategies¡¨ and ¡§Digital Strategies¡¨ and such orientations to come to the ¡§vision¡¨ of ¡§becoming the agent of agents¡¨. In line with the ¡§vision¡¨, we further three phases of Ho-An¡¦s ¡§integral transformation strategies¡¨ as ¡§virtual integration of insurance companies¡¨, ¡§establishment of transaction alliance¡¨ and ¡§development of multifaceted marketing channels¡¨. The business mode in counterpart with ¡§integral transformation strategies¡¨ is in two categories: ¡§Virtual insurance company alliance transaction center¡¨ and ¡§multifaceted marketing channels¡¨. In turn, we generalize the e-Business Model as: Establish ¡§vertical B To B integration, continual reinforcement of up- and down-stream integration¡¨; ¡§B To C: Look into policyholder-related information¡¨ as well as ¡§Horizontal B To B: Expanding industrial integration force¡¨, inclined to buyer-oriented e-Marketplaces. The very key to Ho-An¡¦s transforming strategies is to broaden the horizon of sales power from the ¡§car dealer¡¦s insurance division¡¨ gradually into ¡§reintermediation¡¨ transforming strategies. In substantial and virtual integration, we will combine the up- and down-stream firms into a whole to become intermediates with integral insurance service functions, positioning themselves with initial marketing powers to bring up added values to clients.

The graduation thesis focuses on two products of property insurance, building insurance and household insurance. The theoretical section shortly clarifies a base characterization of these two products. In practical part is a theory of insurance connect through different method of statistical analysis and actuarial calculations in order to detailed analysis of grade pointer, time series, influence factors identification or for purpose of international comparison. Following software were used to attain defined goals: MS Excel 2007, SPSS 13 for Windows, NCSS and Statgraphics Centurion. The mentioned analyses are based on real data which were made available by ČAP.

This thesis deals with flood maps and their use in the context of property insurance. There are flood maps presented in comparison with similar projects of the European Union, the flood hazard maps and flood risk maps. There is also assessed the impact of flood maps on Flood Prevention Strategy in the Czech Republic. This thesis analyzes the offers insurance companies in the property insurance according to 4 risk flood zones. Finally, it evaluates the importance of flood maps not only from the perspective of insurance companies, but also from the perspective of others (people, companies etc.).

This master thesis deals with the flood maps and their use in the Czech insurance. The aim is to determine how these maps were created, in which insurance industry they are used, how they are accessing domestic insurers and whether their use is sufficiently effective. The first part deals with the theory of property insurance and the creation of flood maps. The second part deals with the use of flood maps in the current insurance practice. In the third part are outlined possible solutions to the current problematic situation in this area. At the end is a summary of the whole work and individual recommendations.

This thesis deals by natural disasters and solutions through commercial insurance. The introduction explains the concept of natural disaster and subsequently there are closer specified individual natural hazards. Then, the work focuses on the development of catastrophic events in the world in recent years, the consequences of their formation, their effects and the impact on these events on the world and Czech insurance. Due to the high frequency of floods in the Czech Republic in recent years, the work also addresses the issue of floods, their insurability and changes on the Czech insurance market reacting to the increased occurrence of floods. The thesis focuses on commercial property insurance products of individuals given to individual areas of different risk in terms of flooding. The analysis shows that insurers evaluate the individual risk zones in different ways and the most risk area of insurance excluded. At the end, there are evaluate the scope of insurance risk transfer to other entities, its importance and possibilities of alternative risk transfer.

This master thesis analyses problems related to insurance protection for company Brück AM, spol. s r.o. Includes analysis of all risks and suggestions of an insurance portfolio that can help the company minimize the most serious risks to its activities through commercial insurance and reduce to lowest level the threats to those activities.

This master’s thesis analyzes problems related to property insurance of the selected business subject. Includes analysis of all risks and suggestion of a property insurance that can help the selected business subject minimize the most serious risks to its activities through commercial insurance and reduce to lowest level the threats to those activities.