Professional liability insurance

V magistrski nalogi obravnavam zavarovanje poklicne odgovornosti. Splošno ureditev predstavlja Obligacijski zakonik (OZ), natančneje pa je nato urejeno v številnih področnih aktih, ki jih na kratko predstavim v poglavju pregleda zakonodaje. Zavarovanje poklicne odgovornosti je pomembno z vidika, da zavarovanci niso odškodninsko odgovorni za strokovne napake, ki se pojavijo pri njihovem delu. Ob predpostavki, da ravnajo s potrebno skrbnostjo, ki jo od njih zahteva posamezna stroka. Riziko odškodninskih zahtevkov s strani oškodovancev tako nase prevzame zavarovalnica. Višina zneska, do katere zavarovalnica odgovarja, se določi v zavarovalni pogodbi. Omenjeno podrobneje predstavim v poglavju splošno o zavarovanju poklicne odgovornosti, kjer analiziram tudi vsa pravna razmerja, ki se pri tem pojavljajo, vključno z zavarovalno pogodbo in njenimi sestavinami. Nato se lotim podrobnejše obravnave ureditve zavarovanja poklicne odgovornosti za naslednje poklice: odvetnik, notar, stečajni upravitelj in zdravnik. Gre za ključne poklice za delovanje naše družbe, za katere je zakonsko predpisano obvezno zavarovanje poklicne odgovornosti. Za konec predstavim še ureditev za člane organov vodenja in nadzora, za katere zakon ne predpisuje obveznega zavarovanja poklicne odgovornosti. V magistrsko nalogo sem jih vključil predvsem zaradi finančnega vidika, saj odškodnine v teh primerih pogosto presegajo milijonske zneske.In my master\u27s thesis, I deal with professional liability insurance. In general, this is regulated by the Code of Obligations. Furthermore, a more precise regulation is offered by numerous sectoral laws which are briefly presented in the chapter on the review of legislation. Professional liability insurance is important from the point of view that insurers are not liable for professional errors that occur in their work. Assuming the fact, they act with necessary due diligence required by each individual profession. The risk of damage claims by injured parties is assumed by insurance company. Amount, to which the insurance company is liable is determined in the insurance contract. I present this in detail in the chapter on professional liability insurance in general, where I also analyze all the legal relationships that arise, including the insurance contract and its components. Next, I discuss the regulation of professional liability insurance for following professions: lawyer, notary, bankruptcy manager and doctor. These professions are crucial for our society and for which compulsory professional liability insurance is required by law. Lastly, I present the regulation of professional liability insurance for members of management and supervisory organs, for which law does not prescribe professional liability insurance as compulsory. I included them in my master\u27s thesis due to financial reasons, as compensation in these cases is often awarded in millions