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Ubezpieczenie jako metoda ograniczania ryzyka szkod srodowiskowych malych i srednich przedsiebiorstw. (Insurance as the way to reduce the risk of environmental damage in case of small and medium-sized business.)

Author

Listed:
  • Teresa Hanna Bednarczyk

    (UMCS w Lublinie, Instytut Ekonomii i Finansow, Wydzial Ekonomiczny,)

  • Anna Janska

    (nterRisk Towarzystwo Ubezpieczen S.A. Vienna Insurance Group)

Abstract

The risk of causing damage to the environment is quite a new challenge for entrepreneurs due to legal changes which cause the wider scope of responsibility and stricter penalties for pollution and environmental degradation. However, decisions to buy insurance to protect the company are often overlooked by Polish enterprises, particularly small and medium-sized. This paper discusses the problem of the development of environmental damage insurance in terms of its quantity, measured by the number of available insurance products and quality – which is reflected in the insurance coverage. The article contains the presentation of environmental damage insurance products which are available in Poland and other selected countries and which are dedicated to small and medium-sized entrepreneurs. The main conclusion is that despite of the ever-wider offer in Poland, the sufficient protection in case of causing the environmental damage is still not guaranteed.

Suggested Citation

  • Teresa Hanna Bednarczyk & Anna Janska, 2013. "Ubezpieczenie jako metoda ograniczania ryzyka szkod srodowiskowych malych i srednich przedsiebiorstw. (Insurance as the way to reduce the risk of environmental damage in case of small and medium-sized," Problemy Zarzadzania, University of Warsaw, Faculty of Management, vol. 11(42), pages 45-59.
    • Handle: RePEc:sgm:pzwzuw:v:11:i:42:y:2013:p:45-59
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    More about this item

    Keywords

    ecological risk; insurance of environmental damage; small and medium-size enterprises;
    All these keywords.

    JEL classification:

    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies

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