Search results - CEJSH

1

Świadomość czy samoświadomość ubezpieczonych

100%

Wieteska S.

Annales. Etyka w Życiu Gospodarczym

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2010

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vol. 13

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issue 1

EN

There is a term ‘self-avareness’ in the literature of insurance and opinion on the insurance market. On the base of the insurance data it is concluded that Poles hale a low level of awareness. The level increases when random event occurs. The aim of his article is an attempt to define a term ‘self-awareness’ and point its connection with life and property insurances.

2

Zagrożenia spowodowane przez niektóre zwierzęta dzikie, gady, owady w polskim obszarze terytorialnym

100%

Wieteska S., Uniwersytet Łódzki; Wydział Ekonomiczno-Socjologiczny; Instytut Finansów

Acta Universitatis Lodziensis. Folia Oeconomica

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2012

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vol. 274

EN

We meet a lot of wild animals, reptiles and insects on Polish territory, which pose a threat to people and livestock. The attacks of wild animals directly to humans are becoming more common. By this reason, we are exposed to different type of bites, which entails the cost of treatment. In this article we present the scale of threats by such animals as wolves, beavers, otters, snakes, bears. Also it is discussed the diseases: rabies, bird flu and other spread by ticks, wasps, bees, mosquitoes, etc. In this article we indicate that the damage caused by wild animals, reptiles and insects can be covered by personal accident insurance.

3

The Usefulness of Readability Formulas in the Insurance Industry

80%

Barczuk K.

Olsztyn Economic Journal

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2015

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vol. 10

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issue 4

339-351

EN

The aim of this paper is to characterize the most important methods which are used to determine the level of text readability. The author presents practical examples of the usage of chosen methods by foreign insurance companies. The final section of the study is completed with general conclusions relating to the application of the given solutions to the Polish insurance market.

4

Insurance in Polish Small and Medium-Sized Enterprises – Survey Results for the Period of 2010-2012

80%

Gajda D., Jurkiewicz T., University of Gdansk D. o. S., University of Gdansk D. o. S.

Acta Universitatis Lodziensis. Folia Oeconomica

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2013

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vol. 286

EN

The sector of small and medium-sized enterprises (SME) is an important part of the insurance market. The growth of the economy and the changes occurring in Poland are the reasons for some changes in the behavior of entrepreneurs on the insurance market. The Authors of this article present the results of an annual survey carried out between 2010-2012 on a representative group of small and medium-sized enterprises. The data obtained during the surveys concentrates on entrepreneurs awareness of insurance and their opinions and behavior on the insurance market. Since the surveys are carried out in regular intervals it is possible to define the directions of changes in the usage of insurance products by small and medium-size enterprises.

PL

Ubezpieczenia pełnią ważną rolę w zarządzaniu ryzykiem w przedsiębiorstwach, zwiększają bezpieczeństwo prowadzonej działalności oraz pozwalają na stabilizację sytuacji finansowej. Rola jaką pełnią małe i średnie przedsiębiorstwa w Polsce nie mogła zostać niezauważona przez zakłady ubezpieczeń. W ostatnich latach można zaobserwować wzrost konkurencyjności oraz poszerzenie oferty ubezpieczycieli skierowanej do sektora MSP. W artykule przedstawione zostały wyniki corocznych badań przeprowadzanych w latach 2010-2012 na reprezentatywnej próbie ponad tysiąca przedsiębiorstw z sektora MSP. W ramach badań zbierane były informacje o świadomości ubezpieczeniowej przedsiębiorców, ich opiniach i korzystania z produktów ubezpieczeniowych. Dzięki cykliczności badań możliwe stało się także określenie kierunków zmian w zakresie korzystania z ubezpieczeń przez małe i średnie przedsiębiorstwa.

5

Czynniki warunkujące popyt na ubezpieczenia na życie w Polsce w świetle badań

80%

Stęplewska K., Uniwersytet Jana Kochanowskiego w Kielcach; Wydział Zarządzania i Administracji; Instytut Ekonomii i Administracji

Acta Universitatis Lodziensis. Folia Oeconomica

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2010

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vol. 244

EN

Due to fast development of life insurance in Poland many studies concentrates to indicate factors which encourage or discourage the conclusion of life insurance. The article presents results of most important researches conducted between 1997 and 2007 in reference to life insurance, factors influencing the decisions to take out or not insurance contract, circumstances for making contract and society opinion about insurance.

6

Znaczenie komunikacji pomiędzy ubezpieczonym a ubezpieczycielem w budowaniu lojalności klientów zakładów ubezpieczeń na życie

80%

Stęplewska K., Uniwersytet Jana Kochanowskiego w Kielcach; Wydział Zarządzania i Administracji; Instytut Ekonomii i Administracji

Acta Universitatis Lodziensis. Folia Oeconomica

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2011

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vol. 259

EN

Companies, especially life insurers, operating under competitive conditions need loyal clients. A very important techniques used for building loyalty is appropriate communication between the insured and insurer. The article presents different kinds of communication between the insurance contract parties and some factors influencing that. The main aim of conducted analysis was to answer the question how important is the exchange of information between insurer and insured/policy holder to continue the insurance contract, building loyalty with insurers’ clients.

7

Personal Liability Insurance

80%

Bak J.

Olsztyn Economic Journal

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2012

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vol. 7

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issue 1

87-94

EN

Personal liability insurance is still not popular as a way to cover accidental injury or damage to the property of a third party. The aim of the conducted research was to identify the limit of coverage and popularity of personal liability insurance on the Polish insurance market. This article presents the number of insurers offering personal liability insurance, the number of policies and the gross written premiums from 2004 until 2009. In depth analysis of the personal liability insurance, general conditions was conducted and the popularity of personal liability insurance among the employees of the Marshal's Office in Olsztyn was surveyed.

8

Ryzyko małych i średnich przedsiębiorstw i możliwości jego ubezpieczenia

80%

Wierzbicka E.

Zeszyty Naukowe PWSZ w Płocku. Nauki Ekonomiczne

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2015

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vol. 2(22)

75-82

EN

The aim of this paper is to evaluate the importance of insurance in the activity and development within Poland's SME sector. The specifics of SMEs make them more vulnerable to the adverse effects of various risks. Business risk relates to different areas of the company including its resources, both human and capital assets. Risk management is performed differently for small enterprises than large enterprises. Appropriate risk management using insurance can maintain liquidity, improve solvency, build competitive advantage and create added value for the company. Inadequate insurance not only affects SMEs, but also other sectors within the Polish economy.

9

Rozstrzyganie roszczeń pacjenta w trybie administracyjnym

80%

Paszkowska M.

Przegląd Prawa Publicznego

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2013

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issue 7-8

49-67

EN

Claims of patients against medical providers are increasingly common. In addition to the judicial mode from 1 January 2012, patients can also benefit from the administrative mode their claims. This is possible thanks to the regulations of the Act of 6 November 2008 on the rights of the patient and the patient’s Ombudsman (Section 13a). As a result of new legal solutions injured patient can also redress in administrative mode, ie when applying the findings of the medical event to voivodeship commission for adjudication of medical events. This article presents the regulations related to the potential claims of patients in administrative mode, before the voivodeship committees for the adjudication of medical events. Keywords: patient, medical event, insurance, voivodeship committee.

10

Opinia prawna w sprawie możliwości ubezpieczenia posłów od odpowiedzialności cywilnej związanej z prowadzeniem przez posła biura poselskiego

80%

Mordwiłko J.

Zeszyty Prawnicze BAS

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2013

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issue 1(37)

125-129

EN

The author claims that non‑accountability or non‑liability (parliamentary privilege) provided for in the Act on the Exercise of the Mandate of a Deputy or Senator protects a Deputy (a Senator) only in relation to his/her activity falling with the scope of the exercise of his/her mandate. This privilege is a so‑called permanent immunity, and covers all types of MPs’ liability before the courts, including civil liability. The Act on the Exercise of the Mandate of a Deputy or Senator provides that A Deputy and Senator is entitled to a limp sum to cover the costs related to the functioning of the offices, according to the principles and in amount specified, respectively, by the Marshals of both chambers. These funds cannot be spent for purposes other than those specified above. The absence of insurance (a widely known category of costs) in the list of expenses specified in §9 (1) of the Order No. 8 of the Marshal of the Sejm does not seem to be incidental. In the author’s view, it is deliberately and intentionally omitted in the Order. Civil liability insurance would relate only to organisational and technical aspects of the functioning of a Deputy’s office, but not to the exercise by a Deputy of his/her mandate (i.e. parliamentary duties) in a Deputy’s office

11

The essence of road safety in Poland. Recognition of theoretical and empirical

80%

Przybytniowski J. W., Pacholarz W. M.

Securitologia

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2016

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issue 1 (23)

15-31

EN

This article consists of two parts. The first part is based on the theoretical analysis of the concept of safety and prevention measures in road traffic, described in the existing literature and statistics. Whereas the second part focuses on the analysis of vehicle insurance as a financial instrument of economic safety of road traffic participants. In the 21st century, one of very important problems, not only socially but also economically, referring to Poland and other EU countries is the ongoing development of motorisation and, consequently, the progress in transportation. Unfortunately, this development sometimes leads to the growing number of road accidents and their effects.

80%

Karaleu Y. Y.

Nauki o Finansach

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2015

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issue 4(25)

77-89

EN

Among modern types of economic insurances, the insurance of employees to cover their entitlements in the case of insolvency (bankruptcy) of a business may be considered as the most advantageous and relevant after the recent financial crisis of 2007, particularly in view of the growing number of bankruptcy cases in Belarusian commercial courts. The purpose of this paper is to examine the varying legal treatments of employee entitlements in the case of employer insolvency (bankruptcy) and to encourage developing countries to use insurance to ensure the payment of employee entitlements.

18

Retencja ryzyka a ubezpieczenie: analiza zachowań polskich przedsiębiorstw

80%

Strupczewski G., Thlon M.

Ekonomista

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2015

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issue 6

804-829

PL

W artykule opisano wyniki badań empirycznych dotyczących identyfi kacji czynników skłaniających przedsiębiorstwa do zatrzymania ryzyka straty jako techniki zarządzania ryzykiem alternatywnej wobec ubezpieczenia. Empiryczna analiza uwarunkowań wyboru pomiędzy ubezpieczeniem a retencją ryzyka objęła szeroką, reprezentatywną próbę przedsiębiorstw z różnych branż, mających do czynienia z różnymi rodzajami ryzyka, co daje możliwość uogólnienia wniosków. Badanie wykazało, że siła związku między retencją ryzyka a poszczególnymi determinantami strategii zarządzania ryzykiem nie jest zbyt wysoka. Jest to dowodem złożoności wyborów między ubezpieczeniem i zatrzymaniem ryzyka. Na ostateczną decyzję w tej sprawie ma wpływ wiele czynników. Większość przeanalizowanych czynników działała raczej w kierunku zachęcającym do ubezpieczenia i zniechęcającym do retencji ryzyka. Jedynie trzy czynniki były dodatnio skorelowane z tendencją do zachowania ryzyka w przedsiębiorstwie. Były to: większa liczba szkód w przedsiębiorstwie, wyższe zatrudnienie (a więc pośrednio wielkość firmy) oraz większa kwota płaconej składki ubezpieczeniowej. Cechy te przekładały się, średnio rzecz biorąc, na wyższy stopień zatrzymania ryzyka w przedsiębiorstwie.

EN

The article describes the results of the empirical examination aimed at the identifi cation of factors that induce enterprises to retain the risk of a loss, as a risk management strategy alternative to insurance. Empirical analysis of factors determining the choice between insurance and retention of the risk within the enterprise covered a broad, representative sample of fi rms, which makes it possible to draw some general conclusions. The research has shown that the dependence between risk retention and various determinants of the risk management strategy is not too strong. This is an indirect proof of the complexity of the choice between insurance and risk retention. The fi nal decision about that depends on many factors. Most of the analysed determinants acted in favour of insurance rather than risk retention. Only three factors were positively correlated with the tendency to retain the within the enterprise. These were: large number of losses suffered by the enterprise, high employment level (a bigger fi rm’s size), and the height of insurance fee. All the three factors translated, on the average, into a higher degree of risk retention.

RU

В статье описаны результаты эмпирических исследований по выявлению условий, при которых предприятия при выборе техники управления риском отдают предпочтение удержанию риска убытков, а не страхованию. Эмпирический анализ обусловленностей выбора между страхованием и удержанием риска проводился на широкой репрезентативной выборке предприятий разных отраслей, имеющих дело с разными видами риска, что дало возможность сделать обобщающие выводы. Исследование показало, что сила корреляции между удержанием риска и отдельными детерминантами стратегии управления риском, не очень высока, что является доказательством сложного характера выбора между страхованием и удержанием риска. Окончательное решение по этому вопросу принимается под влиянием многих факторов. Большинство проанализированных факторов действует в направлении поощрения скорее страхования, чем удержания риска. Только три фактора имели положительную корреляцию с тенденцией к удержанию риска на предприятии. Ими были: большое количество потерь на предприятии, более высокая занятость (т.е. косвенно величина фирмы), а также высокая стоимость уплачиваемых страховых взносов. Эти факторы приводили, в среднем выражении, к более высокой степени удержания риска на предприятии.

19

Uwarunkowania ubezpieczenia odpowiedzialności cywilnej pracowników branży paliwowej w Polsce

80%

Wieteska S., Celczyńska A.

Annales. Etyka w Życiu Gospodarczym

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2019

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vol. 22

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issue 4

89-101

EN

In Poland, we have approx. 10,000 fuel stations and fuel depots. Approximately 27 million vehicles registered in Poland and several million vehicles transiting through Poland use the petrol stations. Petrol and LPG stations are very dangerous places with flammable materials. Hence, an important element is the civil liability of employees of petrol stations and fuel and LPG depots. The article presents the scale and types of threats that may occur during the operation of these facilities, and the security elements of this type of place are also discussed. The final part of the article presents the basic elements of liability insurance for petrol operators. The basic elements of this insurance are indicated, such as the scope of the liability, the contribution, the guarantee sum and the problems with settling claims.

20

Opinia prawna w sprawie obowiązku wykazywania w oświadczeniu o stanie majątkowym składanym przez posłów polisy ubezpieczeniowej na życie z funduszem kapitałowym oraz konsekwencji nieujawnienia tej polisy

80%

Galińska-Rączy I.

Zeszyty Prawnicze BAS

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2016

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issue 4(52)

174-180

EN

The author of the opinion claims that a Deputy who makes a statement about his/her financial condition, should include information about insurance policy on life as financial resources, which are the subject of art. 35 (1.1) of the Act on Exercise of the Mandate of a Deputy and Senator (in point I of the form of the statement). The obligation of presenting such policy exists only when an insurance contract makes verification of the amount currently being on the account of the insured person possible and that person can manage the funds col‑ lected on the account. A Deputy who does not declare such insurance policy, might be subject to criminal liability, if the not declaring that part of his/her finances was intentional. In such a case, a Deputy might be also subject to statutory responsibility.

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