文章基本信息

标题：Business insurances as an element of sustainable development of small and medium enterprises in Poland
本地全文：下载
作者：Natalia Pawlak ; Piotr Oskar Czechowski ; Tomasz Czuba 等
期刊名称：SHS Web of Conferences
印刷版ISSN：2416-5182
电子版ISSN：2261-2424
出版年度：2018
卷号：57
页码：1-10
DOI：10.1051/shsconf/20185701024
语种：English
出版社：EDP Sciences
摘要：The SME sector in Poland constitutes over 90% of all business entities. It is a broad market for insurance products. The choice of the insurer by these entrepreneurs is conditioned by several factors, including a beneficial image of the insurer, security in terms of its solvency, an attractive amount of the insurance premium or a wide insurance offer. The data comes from the study "SME finance 2015 - Insurance services market". Two research hypotheses were made for the purposes of the analysis. The first one assumes that the analysed factors are important when choosing the insurer by the SMEs. The second one indicates the selection of an adequate level of protection up to the level of risk occurrence. The results of the research show that PZU SA is the main insurer in Poland. At the same time, it is the most willingly selected SME among enterprises. In addition, two groups of clients were identified. The first one is characterised by the use of adequate protection measures in relation to the degree of risk occurrence. The other group applied relatively high or low degree of protection against small or high risk.