Janković, Zoran

ARTICLES, DISCUSSIONS, ANALYSES, REVIEWS

EXPERIENCE OF INSURERS IN TAKING PREVENTIVE MEASURES

This paper deals with forms of mutual cooperation, liabilities and interests of the Insured and Insurer relating to the investment into the prevention measures, to improve protection of the insured property, decrease probability of insured risk occurrence (fire, breakage, burglary …) and mitigate the possible adverse effects thereof. Within the scope of insurance coverage and depending on the condition of the insured object, equipment and stock, the Insured and Insurer agree on the necessary investments for the purpose of increasing safety. To that extent, depending on the amount of required investments and agreed insurance premium, the agreement is made regarding type of prevention, implementation dynamics and mutual relations of the parties in the investments.

Key words: prevention, risk, premium, insured, insurer, protection, fire, breakage.

ARTICLES, DISCUSSIONS, ANALYSES, REVIEWS

CRITICAL INFRASTRUCTURE BUILDINGS – RISK ASSESSMENT, MONITORING AND CONTROL

The objective of this paper is to present the basic processes in the insurance companies, which are related to the risk assessment of the critical infrastructure. The term critical infrastructure was defined pursuant to the domestic and European legislation. The role of the insurers, namely its sector in charge of the risk assessment and control in critical infrastructure protection was presented. The paper also shows the characteristic parts of the critical infrastructure of certain insureds, identified as critical by the insurers, and, as such, considered in the scope of the activities of the sector in charge of risk assessment and control.