PROJECT OF IMPLEMENTATION AND ENFORCEMENT OF INSURANCE SYSTEM IN MERCATOR GROUP

V težkih gospodarskih časih so družbe prisiljene racionalizirati stroške in pogosto se s tega razloga odločajo zmanjševati zavarovalna kritja. V kolikor ugotovimo, da so zavarovanja v družbi še nekvalitetna, opredeljena brez ocene tveganja, potem lahko v takšni družbi v prihodnosti, zaradi večje škode, pričakujemo tudi likvidnostne težave. Takšnega tveganja resne gospodarske družbe, njihove uprave in nadzorni sveti ne bi smeli prevzemati zgolj zaradi kratkoročnih finančnih učinkov. Kdaj se bo katastrofalni škodni dogodek pripetil, je po zavarovalniško le še vprašanje časa. Osnovni problem, ki ga obravnavamo, je nekvalitetno zavarovanje, ki ima pogosto za posledico tudi visoke zavarovalne premije in nizko zavarovalno kritje. Problem je potrebno rešiti z identifikacijo vseh tveganj, ki tako ali drugače lahko vplivajo na razvoj ali obstoj gospodarske družbe. Pristop k obravnavanju teme diplomske naloge v prvem delu temelji na teoretičnih izhodiščih prenove poslovnih procesov ter upravljanja,vodenja in izvajanja projektov. V praktičnem delu pa je predstavljen posnetek trenutnega stanja in projekt prenove vpeljave in uveljavljanja sistema zavarovanj v Skupini Mercator.In these difficult times for global economy, companies are forced to rationalize costs and thus reduce insurance coverage. In case it is found out the insurance policies in a company are of a poor quality, made without any risk assessment, the company may suffer liquidation problems in the future due to the damage. This kind of risk should not be taken by serious insurance companies, their boards of management and supervisory boards just for its short-term financial effects. As a result, it is a matter of time before the insurance loss will occur. Non-quality insurance, the consequences of which are often expensive insurance policies premiums and low insurance coverage, is the basic problem dealt with in this thesis. The problem needs to be solved by identifying all the risks influencing the development or existence of the company. The first part of this thesis provides a theoretical starting-point to the reconstruction of working processes, project management and project realisation. The second part includes practice and presents the ongoing situation and reconstruction project concerning the implementation and establishment of the insurance system in the Mercator Group