Risk management in insuracne and reinsurance

Cilj ovog rada je da opišemo kako se upravlja nastalim rizicima u osiguranju i u poslovanju poduzeća. Govoriti ćemo o poveznici između samog rizika i osiguranja i samom konceptu rizika. Koje su to definicije rizika, vrste rizika, koji su to stavovi prema rizicima, govoriti ćemo u stupnju rizika, te ćemo utvrđivati veličinu rizika. Upoznati ćemo se sa osnovama osiguranja kao što su definicija osiguranja, priroda i funkcija osiguranja, te koji su sudionici i uloga osiguranja. Tako prelazimo na samu temu našeg rada, a to je upravljanje rizicima tu budemo objasnili koja su to obilježja rizika u osiguranju, oblici upravljanja rizikom, priroda upravljanja rizikom i razvoj upravljanja rizikom. Nakon što objasnim kako se upravlja rizicima u osiguranju i poduzeću, objasniti ćemo pojam reosiguranja i kako on utječe na poslovanje poduzeća. Nakon reosiguranja prijeći ću na socijalno osiguranje, jer nam ono pomaže pri smanjenju osobnog rizika. Onda ćemo priječi na to kako COVID 19 utječe na poslovanje osiguravajućih društava i na kraju kako nam sustav Solvency II olakšava upravljanje rizicima u osiguranju i poslovanju poduzeća.The aim of this paper is to describe how the resulting risks in insurance and business operations are managed. We will talk about the link between risk and insurance iself and the concept of risk itself. What are the definitions of risk, types of risk, what are the attitude4s towards risks, we will talk about different degrees of risk, an we will determine the size of the risk. We will get acquainted with the basics of insurance such as the derinition fo insurance, the nature and function of insurance, and who are the participants and the role insurance. Then, we move on to the very topic of our work, which is risk management, where we will explain what are the characteristics of risk in insurance, forms of risk management, the nature of risk management and thedevelopment of risk management. After explaning how risks are managed in insurace and the company, we will explain the concept of reinsurance and how it affects the business of the company. After reinsurance, I will switch to social indurance, becase it helps us reduce personal risk. Then we will go over how COVID 19 affects the business of insurance companies and finally how the Solvency II system makes it easier for us to manage risks in insurance and business