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Authors
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Catholic Faculty of Theology, University of Zagreb; [email protected]
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Abstract

DrvnaIndustrija_04-2009.vp Mario Koprol~ec1, Kre{imir Greger2, Andreja Pirc2, Maja Moro2 Osiguranje imovine kao rizik u poslovanju drvnog sektora Insurance of Assets as a Risk in Wood Sector Prethodno priop}enje · Preliminary paper Prispjelo – received: 17. 8. 2009. Prihva}eno – accepted: 18. 11. 2009. UDK: 630*79 [email protected] • U ~etiri tvrtke koje se bave preradom drva analizirane su postoje}e police osiguranja. Istra`ivanjem je utvr|eno da promatrane tvrtke ne uvi|aju potrebu za kvalitetnim osiguranjem. Analizom polica osiguranja u raz- doblju od 2002. do 2006. godine uo~en je trend kretanja prema {irem i obuhvatnijem osiguranju imovine i imovin- skih interesa, ali je taj trend prespor. Istodobno je opasnost od velikoga {tetnog doga|aja koji nije obuhva}en policama osiguranja znatna. Stabilnost tvrtki temelji se na sigurnosti u radu, a s kvalitetnim osiguranjem imovine i imovinskih interesa tvrtke bi sigurnije poslovale. Osiguranje imovine specifi~an je problem i zahtijeva {iru obradu kako bi potreba za osiguranjem bila kvalitetno prezentirana. Ovaj rad nagla{ava potrebu osiguranja imovine, a po- sebno }e u vremenu koje dolazi osiguranje imovine i imovinskih interesa biti sve potrebnije i sve va`nije za stabilno poslovanje tvrtki. Klju~ne rije~i: prerada drva, premija osiguranja, osiguranje imovine, osigurani rizik, polica osiguranja ABSTRACT • The analysis of the existing situation in four companies involved in wood processing has shown that all of these were covered by insurance policies. The study revealed that the observed companies do not see the need for high-quality insurance. A trend was noted, albeit too slow, towards a wider and more comprehensive insurance coverage of assets and assets interests. At the same time there is a high and significant risk of a possible major acci- dent that is not covered by insurance policies. The stability of companies is based on operations security, and better quality of assets and assets interest insurance would result in higher security

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