Insurance in phase of structural changes requesting new internal organisation of insurance companies (new management forms)

European insurance currently stands in front of phase of structural changes. Transforming of currently conservative and strongly regulated insurance area will be different from transformations done in other industries. For insurance of 21st century will be typical change of currently calmful insurance market into strongly competitive enviroment requesting significant changes in organizational structure of insurance companies. Effort of whole disertation is to support top management of insurance companies in creation of complicated models of organization structures of insurance companies. The work creates simple theoretical structure explaining changes in organizational structures of insurance companies. Special focus is being put on outsourcing of value chain in claims handling of motor vehicle insurance. Motivation of insurance management to implement described changes is mainly price fight, which strongly emphasizes need of efficiency. Optimizing of insurance company value chain might support increase in profitability of insurance technical result, compared to competition