ZASTUPLJENOST OSIGURANJA OD POTRESA U REPUBLICI HRVATSKOJ

master's thesis

• Title (english): EARTHQUAKE INSURANCE COVERAGE IN THE REPUBLIC OF CROATIA
• Author: Mario Nola
• Mentor: Jakša Krišto (mentor); MBZ: 286511
• Committee member: Jakša Krišto (predsjednik povjerenstva)
• Committee member: Martina Solenički (član povjerenstva)
• Committee member: Maja Mihelja Žaja (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2020-09-25, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Osiguranje ima značajnu ulogu u svakom suvremenom društvu, u kojem ima za cilj pružiti
zaštitu osiguraniku u slučaju nastupa osiguranog slučaja. Međutim, njegov značaj se razlikuje
u pojedinim zemljama, što pokazuju razlike u ključnim parametrima osiguranja koji uključuju
premiju osiguranja, zastupljenost i investicijski portfelj. Od različitih vrsta osiguranja značajan
dio čine imovinska osiguranja, koja pružaju zaštitu pri uništenju ili oštećenju predmeta od
različitih rizika, među kojima je i rizik od potresa. Rizik od potresa je katastrofalan rizik, koji
se ne događa često u svim dijelovima svijeta, ali jednom kada se dogodi, može nanijeti štetu
iznimno velikih razmjera. Iz tog razloga se pri ugovaranju polica osiguranja od potresa
osiguratelji zaštićuju različitim sredstvima, kao što su maksimalno pokriće, reosiguranje te
uvjetovanje obveze isplate naknade štete magnitudom događaja. Zastupljenost osiguranja
od potresa nije jednaka u svim dijelovima svijeta, uglavnom zbog nejednake izloženosti
pojedinih zemalja riziku od potresa. U Republici Hrvatskoj je značaj osiguranja od potresa
naglo porastao 22. ožujka 2020. godine, kada je snažan potres pogodio područje Zagreba i
okolice. Od tog dana bilježi se porast svih parametara osiguranja od potresa te se otvara
pitanje analize pojedinih polica osiguranja. Zbog važnosti i aktualnosti predmetne tematike,
u ovom radu prikazane su glavne karakteristike osiguranja, kao i tržište osiguranja u
europskim zemljama, s osobitim naglaskom na tržište osiguranja od potresa u Republici
Hrvatskoj.

Abstract (english)

Insurance has a significant role in every modern society, in which it aims to provide
protection to an insured person in case of an insured event. However, its meaning varies in
different countries, as shown by differences in the key insurance parameters, including
insurance premium, coverage and investment portfolio. Property insurance, which
represents a substantial part of various types of insurance, provides protection from
destruction or damage to objects from various risks, including earthquake risk. Earthquake
risk is a catastrophic risk, which does not occur often in all parts of the world, but once it
happens, it can cause extremely large-scale damage. Because of that, insurance companies
tend to protect themselves when issuing earthquake insurance policies by various means,
such as maximum coverage, reinsurance and binding the obligation to pay damages to the
magnitude of the event. Earthquake insurance coverage varies across different parts of the
world, mostly because of the unequal exposure of individual countries to earthquake risk. In
the Republic of Croatia, the significance of earthquake insurance has rose rapidly on 22
March 2020, when a severe earthquake hit Zagreb and surrounding areas. Since that date,
there has been an increase of all earthquake insurance parameters and the question of
analysis of individual insurance policies has been raised. Having in mind the importance and
relevance of the respective topic, this thesis presents main insurance characteristics, as well
as analysis of the insurance market in European countries, with special emphasis on
earthquake insurance market in the Republic of Croatia.

• Keywords: osiguranje od potresa; imovinsko osiguranje; potres u Zagrebu
• Keywords (english): earthquake insurance; property insurance; earthquake in Zagreb
• Language: croatian
• URN:NBN: urn:nbn:hr:148:520830
• Study programme: Title: Business Economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2020-09-30 23:25:09