Insurance market in terms of economic crisis

Globalna ekonomska i financijska kriza povećala je pritisak na poslovanje društava za osiguranje, kao i na njihov financijski rezultat. Stalni je pritisak na prihode od premija, financijsku imovinu, ulaganja, optimizaciju procesa upravljanja štetama, pojačan nadzor regulatora, kao i ostale brojne obveze. Ekonomska kriza negativno se odrazila na tržište osiguranja u Hrvatskoj. Kako bi se obranili od vanjskih negativnih utjecaja, osiguravajuća društva različitim mjerama nastoje ostvariti zacrtane poslovne ciljeve te smanjiti izravne utjecaje krize. Pojedina osiguranja pokazala su otpornost na ekonomsku krizu, dok su druga ostvarila pad u ukupno zaračunatoj premiji. Bez obzira na sve, osiguravajuća društva smatraju da je osigurateljni sektor pokazao relativno dobru otpornost na recesiju, te da je kriza mogla imati veći odjek. Konkretnim mjerama izlaska iz krize i inovativnim proizvodima osiguravajuća društva nastoje održati i/ili povećati tržišni udio.The global economic and financial crisis has increased the pressure on the business of insurance companies, as well as on their financial results. There is a standing pressure on premium income, financial assets, investment, optimization of management processes claims, increased supervision of regulators, as well as numerous other commitments. The economic crisis has had a negative impact on the insurance market in Croatia. To defend against external negative influences, insurance companies are trying various measures to achieve the business objectives and reduce the direct impact of the crisis. Individual insurance policies have shown resilience to the economic crisis, while the other declined in total written premium. No matter what, insurance companies believe that the insurance industry showed a relatively good resistance to the recession, and that the crisis could have a greater impact. With the use of concrete measures for overcoming the crisis and innovative products for insurance, companies seek to maintain and / or increase market share