Roman Pietroń, Commercial Insurance Issues.
COMMERCIAL INSURANCE ISSUES AND PROBLEMS
- PROPOSALS FOR STUDENT’S PRESENTATION
1. Economic and social importance of commercial insurances
1-1: Commercial insurance and national economy growth – functions and relations.
1-2: Commercial insurance market in your country – demand, supply, and supporting institutions.
2. Commercial insurance law. Current state of regulation system
2-1: Elements of commercial insurance law – evolution and current state of law regulation system.
2-2: Law problems and challenges in commercial insurance system.
3. Insurance contract and policy
3-1: Specific features of commercial insurance contracts.
3-2: Commercial insurance policy – general policy, validity, and conditions.
4. Commercial insurance intermediary systems. Agents and brokers
4-1: Intermediary systems in commercial insurance – elements and some comparisons.
4-2: Agent and broker as entrepreneurs – law regulations, cooperation with insurers, ethics, and finance.
5. Supervisory systems in commercial insurance
5-1: Functions, and element of supervisory system in commercial insurance – examples and standards.
5-2: Insurance supervisory system in Poland and other countries – some comparisons and evolutions.
6. Customer interest protection in commercial insurance
6-1: Institutions for customer interest protection in commercial insurance – organization and finance
6-2: Insurance subrogation and cross-border insurance problems – cases.
7. Forms of customer interest protection on the commercial insurance market
7-1: Insured as a customer – customer interest vs. insurer interest.
7-2: Effectiveness of customer interest protection systems – law quality, risk declaration and notification
8. Setting and doing a commercial insurance business. Conditions to start and insurance business plan
8-1: Conditions to set and to do commercial insurance activity – Poland (or other country).
8-2: Commercial insurance across the borders – EU directives and international agreements.
9. Beginning and the end of insurer’s liability
9-1: Formal policy, material liability, and technical premium payment periods in insurance contracts.
9-2: Risk declaration, notification, and submission of claims in insurance – systems and sanctions.
10. Limitation and prescription of insurance claims
10-1: Limitation of insurance claims principles and periods.
10-2: Suspension, break, and competency in insurance claims procedure.
11. Insurance liability limits and indemnity payment
11-1: Methods and techniques of liability limitation in insurance – preventing risk?
11-2: Insurance event – requirements and interests.
12. Practice of insurance cases in courts. Insured vs. insurer
12-1: Typical insurance matters of court cases – some examples and national statistics.
12-2: Court insurance cases – jurisdiction, procedures, and arbitration.
13. Insurance prevention activities
13-1: Examples of insurance prevention activities in insurance sector.
13-2: Financing insurance prevention – solutions and law regulations.
14. Insurance interest. Coinsurance. Underinsurance and overinsurance
14-1: Insurance interest – interpretation, requirements, and possibility to insure 3 rd party interest.
14-2: Law regulations for coinsurance and overinsurance.
15. Insurance as a combination of risk management methods
15-1: Hazards in commercial insurance – insurers systems of risk identification and analysis.
15-2: Risk management approaches and methods in insurance – structure of the mix and risk exposures.
16. Diagnosis and evaluation of insurance risk
16-1: Risk management in life insurance – underwriting and actuarial life table statistics.
16-2: Risk management in non-life insurance – statistics and risk modelling.
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Roman Pietroń, Commercial Insurance Issues.
17. Statistics in commercial insurance. Bases of actuarial mathematics
17-1: Functions of actuary in insurer’s company – reserves, solvency and premiums.
17-2: Modelling insurance risk and demand – contemporary demographic and loss occurrence processes.
18. Insurance and risk modelling for natural and technical disasters and catastrophes
18-1: Commercial insurance products for natural disasters and catastrophes – risk modelling and policies.
18-2: Commercial insurance products for technical disasters and catastrophes – risk modelling and policies.
19. Commercial insurance in international trade and transportation
19-1: International trade policies and commercial insurance – systems for promoting export guarantees.
19-2: Commercial insurance in transportation Incoterms 2000 formulas.
20. Maritime insurance. International classification of ships
20-1: Specific features of maritime insurance – influences to insurance theory, specific risk, and law.
20-2: Insurance practice in maritime – international clauses and ship owner’s liability.
21. Commercial insurance products - car and automobile property and liability insurance
21-1: Risk coverage in automobile insurance and duties after an accident or loss.
21-2: Indemnity calculation systems and procedures in automobile insurance.
22. Commercial insurance products – agriculture business, property and liability insurance
22-1: Commercial insurance for farmers – commercial products and governmental support.
22-2: Property and liability obligatory commercial insurances in agriculture.
23. Commercial insurance products –commercial liability insurance
23-1: General liability loss exposures and policy in commercial liability insurance.
23-2: Business owners and professions commercial liability insurance.
24. Commercial insurance products –commercial life insurance
24-1: Life and health risks, and types of commercial life insurance
24-2: Tendencies in contemporary commercial life insurance – products, investments, and underwriting.
25. Commercial insurance products –commercial financial risk insurance
25-1: Financial risks and types of commercial financial insurance.
25-2: The importance of commercial financial insurance in business and trade.
26. Commercial insurance products –sport, leisure, and entertainment
26-1: Sport, leisure, and entertainment risks, types of insurance for sport, leisure, and entertainment.
26-2: Organisation of sport, leisure, or entertainment event - how to insure the event?
27. Commercial insurance products –commercial insurance of catastrophe or disaster
27-1: Catastrophe or disaster risks, and types of commercial insurance products for such risks.
27-2: Commercial insurance for acts of terrorism – systems, products, and governmental support.
28. Organisation and management of commercial insurance company
28-1: Specific features of commercial insurance firm – structure, risk management, accounting, investments.
28-2: Commercial insurance law regulations of insurance firm’s management.
29. Financial engineering methods in management of commercial insurance firm
29-1: Methods of assets and liabilities management in commercial insurance company.
29-2: Methods of value evaluation for commercial insurance firm.
30. Management of commercial insurance capital groups
30-1: Capital groups in commercial insurance sector – functions, types, and management instruments.
30-2: Development of capital groups in commercial insurance – evolution and examples.
31. Commercial insurance accounting
31-1: Specific features of commercial insurance accounting – balance and cash flow elements, and reports.
31-2: International standards and projects for commercial insurance accounting and financial analysis.
32. Capital and investments in commercial insurance
32-1: Capital in commercial insurance company – structure and management.
32-2: Risks and structure of commercial insurance investments – law regulations and investments policies.
33. Commercial insurance companies in stock exchange market
33-1: Privatisation and emissions of commercial insurance companies’ shares on stock exchange market.
33-2: Influence of commercial insurance sector on stock exchange indexes.
34. Financial analysis of commercial insurance sector and institutions
34-1: Methods of financial analysis and supervisory evaluation systems in commercial insurance sector.
34-2: Financial and organisational procedures to avoid bankruptcies in commercial insurance.
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Roman Pietroń, Commercial Insurance Issues.
35. Solvency and financial state of commercial insurers (Poland, or other countries)
35-1: Economic growth and commercial insurance sector development – relations and indexes.
35-2: European Solvency II project in commercial insurance sector – chances and barriers.
36. Ranking and rating of commercial insurance companies
36-1: Rating instruments and for commercial insurance sector – functions and criteria.
36-2: Rating agencies in commercial insurance sector – examples and comparisons.
37. Reinsurance in commercial insurance sector
37-1: Reinsurance functions, types and contracts in commercial insurance sector.
37-2: Alternatives to traditional reinsurance – securitization of risk, catastrophe bonds.
38. Financing risk alternative methods to commercial insurance
38-1: Alternatives to traditional commercial insurance – captive, ART.
38-2: Commercial risk financing – financial engineering methods and instruments.
39. Bank and insurer cooperation. Allfinanz, bancassurance, and assurfinance
39-1: Advantages and disadvantages of bankassurance and other cooperation forms.
39-2: Examples of bank and insurer cooperation.
40. Commercial insurance in EU countries. Insurance supervisory and regulation system in Europe
40-1: Supervisory systems in commercial insurance sector – functions, forms and law regulation.
40-2: Commercial insurance supervisory and regulation system institutions in Europe – some comparisons.
41. European common insurance market
41-1: What are basic directions of unified commercial insurance development in Europe?
41-2: The overview of basic commercial insurance directives and regulations in EU.
42. Marketing-mix in insurance. Marketing strategies in commercial insurance
42-1: Insurance policy is a product or service?
42-2: Marketing concepts in commercial insurance – an overview.
43. Market research and analysis in commercial insurance sector
43-1: Methods of market research and analysis in commercial insurance.
43-2: How to measure effectiveness of promotions in commercial insurance?
44. Distribution channels for commercial insurance sale
44-1: Methods, channels, and techniques of commercial insurance sale.
44-2: Elements of intermediary sale system in commercial insurance – agents and brokers.
45. Promotion in commercial insurance. Advertisement and communication systems in insurance
45-1: Promotion strategies and methods in commercial insurance – advertisement, loyalty, CRM systems.
45-2: Commercial insurance firm as a sponsor – sport, culture, and education examples.
46. IT in commercial insurance. Commercial insurance on Internet
46-1: Commercial insurance offer on Internet – quality of information, credibility, examples.
46-2: Virtual marketing and groupware cooperation systems.
47. Pathologies and fraud in commercial insurance. Prevention methods of fraud avoiding in insurance
47-1: Reasons and forms of fraud in commercial insurance.
47-2: Fraud prevention and detection methods and systems in commercial insurance sector – examples.
48. Group and individual commercial insurance for workers
48-1: Retirement plans and disability insurance as commercial insurances – types and benefits for workers.
48-2: Commercial insurance in the context of labour and social security law regulations – I, II, and III pillar.
49. Social insurance in Poland and other countries
49-1: Social insurance system reforms – needs, threats and opportunities.
49-2: Retirement calculation systems – principles and methods.
50. History of commercial insurance
50-1: Commercial insurance archetypes vs. contemporary risk exposure.
50-2: Mutual and local commercial insurance vs. globalisation in commercial insurance.
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