Journal Policy
The journal Insurance Trends is dedicated to all aspects of insurance – legal, economic, technological-organizational, informational, preventive-engineering, and marketing.
The journal Insurance Trends publishes original papers that have not been published previously. original scientific papers, review articles, book reviews, conference papers, European Union regulations, foreign case law, etc.
Insurance Trends is an Open Access journal.
Contributions to the journal shall be submitted in both Serbian and English with summaries in both languages.
The Journal is issued four times a year.
The journal is indexed in Sci Index.
Digital copies of the journal are archived in the in the Repository of the National Library of Serbia.
Editorial policy
EDITORIAL RESPONSIBILITIES
The Editor-in-Chief is responsible for deciding which articles submitted to Insurance Trends will be published. The Editor-in-Chief is guided by the Editorial Policy and constrained by legal requirements in force regarding libel, copyright infringement and plagiarism.
The Editor-in-Chief reserves the right to decide not to publish submitted manuscripts in case it is found that they do not meet relevant standards concerning the content and formal aspects. The Editorial Staff will inform the authors whether the manuscript is accepted for publication within one month from the date of the manuscript submission.
Editor-in-Chief must hold no conflict of interest with regard to the articles they consider for publication. If an Editor-in-Chief feels that there is likely to be a perception of a conflict of interest in relation to their handling of a submission, the selection of reviewers and all decisions on the manuscript shall be made by the Senior Editor.
Editor-in-Chief shall evaluate manuscripts for their scientific content free from any racial, gender, sexual, religious, ethnic, or political bias.
The Editor and the Editorial Staff must not use unpublished materials disclosed in submitted manuscripts without the express written consent of the authors. The information and ideas presented in submitted manuscripts shall be kept confidential and must not be used for personal gain.
Editors and the Editorial Staff shall take all reasonable measures to ensure that the reviewers remain anonymous to the authors before, during and after the evaluation process and the authors remain anonymous to reviewers until the end of the review procedure.
AUTHORS’ RESPONSIBILITIES
Authors warrant that their manuscript is their original work, that it has not been published before and is not under consideration for publication elsewhere. Parallel submission of the same manuscript to another journal constitutes misconduct and eliminates the manuscript from consideration by Insurance Trends. Please note that posting of preprints on preprint servers or repositories is not considered prior publication. Authors should disclose details of preprint posting upon submission of the manuscript. This must include a link to the location of the preprint. Should the submission be published, the authors are expected to update the information associated with the preprint version on the preprint server/repository to show that a final version has been published in the journal, including the DOI linking directly to the publication.
If a manuscript has previously been submitted elsewhere, authors should provide information about the previous reviewing process and its outcome. This provides an opportunity for authors to detail how subsequent revisions have taken into account previous reviews, and why certain reviewer comments were not taken into account. Information about the author's previous reviewing experience is to the author's advantage: it often helps the editors select more appropriate reviewers.
In case a submitted manuscript is a result of a research project, or its previous version has been presented at a conference in the form of an oral presentation (under the same or similar title), detailed information about the project, the conference, etc. shall be provided in a footnote.
It is the responsibility of each author to ensure that manuscripts submitted to Insurance Trends are written with ethical standards in mind. Authors affirm that the manuscript contains no unfounded or unlawful statements and does not violate the rights of third parties. The Publisher will not be held legally responsible should there be any claims for compensation.
Reporting standards
Insurance Trends is committed to serving the research community by ensuring that all articles include enough information to allow others to reproduce the work. A submitted manuscript should contain sufficient detail and references to permit reviewers and, subsequently, readers to verify the claims presented in it - e.g. provide complete details of the methods used, including time frames, etc.
The deliberate presentation of false claims is a violation of ethical standards.
Authors are exclusively responsible for the contents of their submissions and must make sure that they have permission from all involved parties to make the content public. Authors are also exclusively responsible for the contents of their data/supplementary files. Authors affirm that data protection regulations, ethical standards, third party copyright and other rights have been respected in the process of collecting, processing and sharing data.
Authors wishing to include figures, tables or other materials that have already been published elsewhere are required to obtain permission from the copyright holder(s). Any material received without such evidence will be assumed to originate from the authors.
Authorship
Authors must make sure that only contributors who have significantly contributed to the submission are listed as authors and, conversely, that all contributors who have significantly contributed to the submission are listed as authors. If persons other than authors were involved in important aspects of the research project and the preparation of the manuscript, their contribution should be acknowledged in a footnote or the Acknowledgements section.
In order to be named on the author list one must have:
• made substantial contributions to the conception or design of the work; or the acquisition, analysis, or interpretation of data for the work; AND
• contributed to the drafting the work, or revising it critically for important intellectual content; AND
• provided final approval of the version to be published; AND
• agreed to be accountable for all aspects of the work in ensuring that questions related to the accuracy or integrity of any part of the work are appropriately investigated and resolved; AND
• dalo svoju saglasnost da bude navedeno kao autor i saglasilo se sa spiskom autora.•
The addition or removal of authors during the editorial process will only be permitted only if a justifiable explanation is provided to the editorial team and publisher. Attempts to introduce 'ghost', 'gift' or ‘honorary’ authorship will be treated as cases of misconduct.
Acknowledgment of sources
Authors are required to properly cite sources that have significantly influenced their research and their manuscript. Information received in a private conversation or correspondence with third parties, in reviewing project applications, manuscripts and similar materials, must not be used without the express written consent of the information source.
When citing or making claims based on data, authors should provide the reference to data in the same way as they cite publications.
Plagiarism
Plagiarism, where someone assumes another's ideas, words, or other creative expression as one's own, is a clear violation of scientific ethics. Plagiarism may also involve a violation of copyright law, punishable by legal action.
Plagiarism includes the following:
• Word for word, or almost word for word copying, or purposely paraphrasing portions of another author's work without clearly indicating the source or marking the copied fragment (for example, using quotation marks);
• Copying equations, figures or tables from someone else's paper without properly citing the source and/or without permission from the original author or the copyright holder.
Please note that all submissions are thoroughly checked for plagiarism.
Any manuscript that shows obvious signs of plagiarism will be automatically rejected and the authors of such manuscripts will be permanently banned from publishing in the journal.
If it is determined that a paper published in the journal is a plagiarism, it will be retracted in accordance with the procedure described under Retracting Published Papers, and the authors will be required to issue a written apology to the authors of the original work.
Conflict of interest
Authors should disclose in their manuscript any financial or other substantive conflict of interest that might have influenced the presented results or their interpretation. If there is no conflict of interest to declare, the following standard statement should be added: ‘No competing interests were disclosed’.
Fundamental errors in published works
When an author discovers a significant error or inaccuracy in their own published work, it is the author’s obligation to promptly notify the journal Editor or publisher and cooperate with the Editor to retract or correct the paper.
By submitting a manuscript, the authors agree to abide by the Insurance Trend’s Editorial Policies.
ORCID
The journal asks that all authors submitting a paper register an account with Open Researcher and Contributor ID (ORCID). ORCID numbers for all authors and co-authors should be added to the author data upon submission and will be published alongside the submitted paper, should it be accepted.
ORCID registration provides a unique and persistent digital identifier for the account that enables accurate attribution and improves the discoverability of published papers, ensuring that the correct author receives the correct credit for their work.
Funding information
If a paper is a result of the funded project, authors are required to specify funding sources according to their contracts with the funder.
REVIEWERS’ RESPONSIBILITIES
Reviewers are required to provide written, competent and unbiased feedback in a timely manner on the scholarly merits and the scientific value of the manuscript.
The reviewers assess manuscript for the compliance with the profile of the journal, the relevance of the investigated topic and applied methods, the originality and scientific relevance of information presented in the manuscript, the presentation style and scholarly apparatus.
Reviewers should alert the Editor-in-Chief to any well-founded suspicions or the knowledge of possible violations of ethical standards by the authors. Reviewers should recognize relevant published works that have not been cited by the authors and alert the Editor-in-Chief to substantial similarities between a reviewed manuscript and any manuscript published or under consideration for publication elsewhere, in the event they are aware of such. Reviewers should also alert the Editor-in-Chief to a parallel submission of the same manuscript to another journal, in the event they are aware of such.
Reviewers must not have conflict of interest with respect to the research, the authors and/or the funding sources for the research. If such conflicts exist, the reviewers must report them to the Editor without delay.
Ako se smatra nekompetentnim za temu ili oblast kojom se rukopis bavi, recenzent je dužan da o tome obavesti urednika.
Reviews must be conducted objectively. Personal criticism of the author is inappropriate. Reviewers should express their views clearly with supporting arguments.
Any manuscripts received for review must be treated as confidential documents. Reviewers must not use unpublished materials disclosed in submitted manuscripts without the express written consent of the authors. The information and ideas presented in submitted manuscripts shall be kept confidential and must not be used for personal gain.
Peer Review
The submitted manuscripts are subject to a peer review process. The purpose of peer review is to assist the Editorial Board in making editorial decisions and through the editorial communication with the author it may also assist the author in improving the manuscript.
The review is anonymous (double-blind) and is provided by two reviewers within one month from the submission of the manuscript on a pre-prepared review form.
The selection of reviewers is at the discretion of the editor. Reviewers must possess relevant expertise in the field related to the manuscript and must not be from the same institution as the author, nor should they be authors who have recently co-authored publications with any of the authors of the manuscript being reviewed.
Throughout the process, reviewers act independently of each other. Reviewers are not aware of each other's identities. If the reviewers' decisions differ (accept/reject), the Editor-in-Chief may seek the opinion of additional reviewers.
The editorial board is responsible for ensuring the quality control of the review process.
Members of the editorial board and guest editors may submit their own manuscripts for publication in the journal Insurance Trends. The author of a manuscript that is involved in the publishing process will be exempt from the review process and from the decision-making on the acceptance or rejection of the manuscript, and the oversight of the review process will be assigned to another member of the editorial board.
Procedures for dealing with complaints and appeals
Anyone may inform the editors and/or Editorial Staff at any time of suspected unethical behaviour or any type of misconduct by giving the necessary information/evidence to start an investigation.
INVESTIGATION
• Editor-in-Chief will consult with the Editorial Board on decisions regarding the initiation of an investigation.
• During an investigation, any evidence should be treated as strictly confidential and only made available to those strictly involved in investigating.
• The accused will always be given the chance to respond to any charges made against them.
• If it is judged at the end of the investigation that misconduct has occurred, then it will be classified as either minor or serious.
Minor misconduct
Minor misconduct will be dealt directly with those involved without involving any other parties, e.g.:
• Communicating to authors/reviewers whenever a minor issue involving misunderstanding or misapplication of academic standards has occurred.
• A warning letter to an author or reviewer regarding fairly minor misconduct.
Major misconduct
The Editor-in-Chief, in consultation with the Editorial Board, and, when appropriate, further consultation with a small group of experts should make any decision regarding the course of action to be taken using the evidence available. The possible outcomes are as follows (these can be used separately or jointly):
• Publication of a formal announcement or editorial describing the misconduct.
• Informing the author's (or reviewer's) head of department or employer of any misconduct by means of a formal letter.
• The formal, announced retraction of publications from the journal in accordance with the Retraction Policy (see below).
• A ban on submissions from an individual for a defined period.
• Referring a case to a professional organization or legal authority for further investigation and action.
RETRACTION POLICY
The infringement of the legal limitations of the publisher, copyright holder or author(s), the violation of professional ethical codes and research misconduct, such as multiple submissions, duplicate or overlapping publication, bogus claims of authorship, plagiarism, fraudulent use of data and data fabrication, undisclosed use of tools based on large language models and generative AI, honest errors reported by the authors (for example, errors due to the mixing up of samples or use of a scientific tool or equipment that is found subsequently to be faulty), unethical research or any major misconduct require retraction of an article. Occasionally a retraction can be used to correct errors in submission or publication.
For any retracted article, the reason for retraction and who is instigating the retraction will be clearly stated in the Retraction notice. Standards for dealing with retractions have been developed by a number of library and scholarly bodies, and this practice has been adopted for article retraction by Insurance Trends: in the electronic version of the retraction note, a link is made to the original article. In the electronic version of the original article, a link is made to the retraction note where it is clearly stated that the article has been retracted. The original article is retained unchanged, save for a watermark on the PDF indicating on each page that it is “retracted.”
OPEN ACCESS POLICY
Journal Insurance Trends is an Open Access journal. All its content is available free of charge. Users can read, download, copy, distribute, print, search the full text of articles, as well as to establish HTML links to them, without having to seek the consent of the author or publisher.
The journal does not charge any fees at submission, reviewing, and production stages.
Self-archiving policy
Authors can deposit preprints (versions before peer review), Author Accepted Manuscripts (AAMs) and/or Versions of Record (VoRs) in a repository of the authors' choice (e.g. an institutional, disciplinary and general-purpose repository. etc.), author's personal website (including social networking sites, such as ResearchGate, Academia.edu, etc.), and/or departmental website prior or during the submission process, at any time after the acceptance of the manuscript and at any time after publication.
Full bibliographic information (authors, article title, journal title, volume, issue, pages) about the original publication must be provided and links must be made to the article's DOI and the license.
Autorska prava
Authors retain copyright of the published papers and grant to the publisher the non-exclusive right to publish the article, to be cited as its original publisher in case of reuse, and to distribute it in all forms and media. Articles will be distributed under the Creative Commons Attribution 4.0 International (CC BY 4.0) licence.
Authors can enter the separate, additional contractual arrangements for non-exclusive distribution of the published paper (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
Metadata policy
The journal metadata are freely accessible to all, and freely reusable by all, under the terms of the Creative Commons Universal (CC0 1.0) Public Domain Dedication license.
Disclaimer
The views expressed in the published works do not express the views of the Editors and Editorial Staff. The authors take legal and moral responsibility for the ideas expressed in the articles. The publisher shall have no liability in the event of issuance of any claims for damages. The Publisher will not be held legally responsible should there be any claims for compensation.
