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 thesis concerns the question of the suitable insurance portfolio for chosen enterprise - SMERO, spol.s r.o. The thesis contains risk analysis and also the concept of insurance portfolio that aims to minimize the most serious risks influencing the business using insurance products.

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.

This thesis focuses on the area of detection of potential insurance frauds by using Business Intelligence (BI) and its practical application to real data of compulsory and accident insurance. It describes the basic concepts of insurance business, the individual layers of BI architecture, and a detailed description of the implementation process from data transformation through the use of advanced analytical methods to the presentation of acquired information.

This dissertation thesis deals with problems of identifying client’s solvency in the insurance business and is drawn for the insurance companies needs. The main target of this work is a construction of methodology, which will provide managers a tool to support their decision making in cases of client solvency assessment. The basic theoretical background, an overview of the current state of the analyzed subject and the description of utilized methods are presented in the introductory part of this work. In following parts of this work is introduced a real database of insurance company’s clients, which serves as a basis to accomplish the defined goal. The source data were subject to a necessary analysis to determine the cross-correlations and variables entering the decision-making model. A large variety of traditional statistical methods, including relevant software were used to analyze the data. Decision-making model was formed with the help of artificial intelligence methods, especially fuzzy logic. The technical realization of the model was made using MATLAB software. The process of insurance company’s client solvency assessment methodology creation is described in detail and elaborated into phases. The fundamental part of the methodology, decision-making model, can be easily modified and adapted to the end user’s specific needs. The text also includes a verification and implementation of the model, an interpretation of the results, a comprehensive client solvency assessment methodology process in insurance business and the definition of contribution of this methodology to practice, theory and pedagogy.

In the United States, 20% of newly established small businesses, including small businesses in the life insurance industry, fail within 2 years, and over 50% of them fail during the first 5 years. The purpose of this multiple case study was to identify and explore the strategies that life insurance brokerage owners use to sustain business operations beyond 5 years. Porter's 5 forces model served as the conceptual framework for exploring this subject matter. Owners of 3 separate small life insurance brokerage firms in Texas, who sustained their businesses beyond 5 years, participated in semistructured interviews. A secondary source of data was relevant company documents. Methodological triangulation and member checking assured the reliability and validity of the interpretations. Through thematic analysis and supporting software, 5 themes emerged: exceptional customer service, relationship-building, efficient promotional strategies, regular training of salespersons, and hiring the right employees. The application of the findings of the study could contribute to positive social change by reducing unemployment and thereby catalyzing an economic environment supporting employees, families, and communities.

<p>The subject of this thesis is interaction in the service encounter. The aim is to describe and explain the service encounter interaction with a special focus on the social and organisational context. The contextual focus is related to two overriding questions: What significance does the human interaction have for the service encounter? What significance does the organisational context have for the service encounter?</p><p>The result show that even though the communication consists of four discerned phases – salutation, the subject of the call, concluding the subject, and rounding off the call, each phase also displays contradictions. Consequently, there are both relational and instrumental utterances, as well as symmetrical and asymmetrical aspects of the conversations.</p><p>These contradictory results of the relational-instrumental and symmetrical-asymmetrical features are explained when interaction is viewed in terms of three different sets of logic – the commercial, the bureaucratic, and the social. Every logic is constituted by a number of characteristics, each contributing to the shape of the interaction and to the relationship between the customer and the employee.</p><p>Analytically speaking, the three forms of logic can be described in terms of their respective field of action and rationality, that is, what the actors talk about and what the purpose of the talk is. It is shown that the actors must prioritise between economic, administrative and personal areas within a limited time of action. It is also clear that the disparate rationalities, that is, economic, executive and recognition, all exercise influence over the service encounter, which means that acts aiming at a specific goal are restricted by the objectives of the other logics. Therefore there is a certain self-regulating function in the antagonism between the logics. The positions of the employee in relation to the customer, the organisation and the so-called collective customer mean that there are demands made from three qualitatively different directions. There is, in other words, a three-bosses dilemma for employees. The different positions of the employee also entail three different asymmetrical relationships in which either the customer or the employee has the advantage. This position constructs the hierarchy of dominance between employee and customer.</p><p>To conclude, the interaction constitutes a complex relationship between the characteristics of the logics and when these combine the interaction of the service encounter is shaped. The fact that the service encounter involves human interaction means that there is a counter balance against the organisational ascendancy.</p>

The subject of this thesis is interaction in the service encounter. The aim is to describe and explain the service encounter interaction with a special focus on the social and organisational context. The contextual focus is related to two overriding questions: What significance does the human interaction have for the service encounter? What significance does the organisational context have for the service encounter? The result show that even though the communication consists of four discerned phases – salutation, the subject of the call, concluding the subject, and rounding off the call, each phase also displays contradictions. Consequently, there are both relational and instrumental utterances, as well as symmetrical and asymmetrical aspects of the conversations. These contradictory results of the relational-instrumental and symmetrical-asymmetrical features are explained when interaction is viewed in terms of three different sets of logic – the commercial, the bureaucratic, and the social. Every logic is constituted by a number of characteristics, each contributing to the shape of the interaction and to the relationship between the customer and the employee. Analytically speaking, the three forms of logic can be described in terms of their respective field of action and rationality, that is, what the actors talk about and what the purpose of the talk is. It is shown that the actors must prioritise between economic, administrative and personal areas within a limited time of action. It is also clear that the disparate rationalities, that is, economic, executive and recognition, all exercise influence over the service encounter, which means that acts aiming at a specific goal are restricted by the objectives of the other logics. Therefore there is a certain self-regulating function in the antagonism between the logics. The positions of the employee in relation to the customer, the organisation and the so-called collective customer mean that there are demands made from three qualitatively different directions. There is, in other words, a three-bosses dilemma for employees. The different positions of the employee also entail three different asymmetrical relationships in which either the customer or the employee has the advantage. This position constructs the hierarchy of dominance between employee and customer. To conclude, the interaction constitutes a complex relationship between the characteristics of the logics and when these combine the interaction of the service encounter is shaped. The fact that the service encounter involves human interaction means that there is a counter balance against the organisational ascendancy.

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.

The aim of my diploma thesis is to establish the expenditure on house insurance in a particular case, namely on a detached house in a village called Lipovec. The fundamental terms, which one has to be familiar with to understand the issues of the thesis, are illuminated in the introduction. The theoretical part is dedicated to the methods of evaluation and procedures focused on insurance business and evaluation. The particular area and the detached house are described in the practical part. Procedures stated in the theoretical part are used for conducting a survey of the particular case. Firstly, the value of the object before an insurance event (a hurricane, for instance) will be calculated. Secondly, the expenditure on refurbishment of the damaged features of the house will be calculated. Finally, considering the cost of refurbishment, the value of the object will be evaluated again. The diploma thesis might be used as an exemplary piece of work. Furthermore, it provides a reader with a deep insight into its issues.