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Title:OCENJEVANJE ŠKOD IZ NASLOVA OBRATOVALNEGA ZASTOJA S PRIMEROM
Authors:Črnko, Tjaša (Author)
Korošec, Bojana (Mentor) More about this mentor... New window
Files:.pdf UNI_Crnko_Tjasa_2012.pdf (1,43 MB)
MD5: 5816C5A108EE951DBB191817E846C6CB
 
Language:Slovenian
Work type:Final seminar paper (mb14)
Typology:2.11 - Undergraduate Thesis
Organization:EPF - Faculty of Business and Economics
Abstract:V tem diplomskem seminarju obravnavamo obratovalne zastoje ter pogoje, pod katerimi pogoji jih je možno zavarovati. Obratovalni zastoj nastane takrat, ko podjetje ne more več normalno poslovati, torej pride do okvare, poškodbe ali pa celo uničenja strojev, surovin in drugih sredstev, ki so nujno potrebna za nemoteno poslovanje. Do zastoja pa lahko pride iz več razlogov, lahko je povezan z naravnimi katastrofami in pojavi, na katere človek nima vpliva, lahko pa tudi zaradi človeške napake. Zaradi obratovalnega zastoja izpadli dobiček iz poslovanja in zaradi zastoja nepokrite stalne stroške je mogoče nadomestiti z zavarovalnino, če sklenemo zavarovanje, za primer škode, ki bi povzročila obratovalni zastoj. Najpogosteje je v praksi možno zavarovati nadomeščanje škod, ki nastanejo ob obratovalnem zastoju zaradi požara in strojeloma. Predpogoj za sklenitev teh dveh zavarovanj pa je sklenjeno požarno oziroma strojelomno zavarovanje. Ocenjevanje teh škod, ki nastanejo iz naslova obratovalnega zastoja, pa je težko in zahtevno delo, ki od zavarovalniških cenilcev zahteva veliko strokovnega znanja, saj je potrebno upoštevati vse okoliščine pozitivne in negativne, ki vplivajo na obratovanje družbe, ki ima sklenjeno zavarovanje obratovalnega zastoja, tudi v primeru, če do obratovalnega zastoja ne bi prišlo Potrebno pa je upoštevati tudi tržne cene poškodovanih osnovnih sredstev.
Keywords:Obratovalni zastoj Obratovalni zastoj iz naslova požara Obratovalni zastoj iz naslova strojeloma Zavarovanje obratovalnega zastoja Zavarovanje obratovalnega zastoja zaradi požara Zavarovanje obratovalnega zastoja zaradi strojeloma Šomaž Franšiza Jamčevalna doba Časovna franšiza Zavarovalna premija Zavarovanje finančnih izgub Dobiček iz poslovanja Neizogibni stroški
Year of publishing:2012
Publisher:[T. Črnko]
Source:Maribor
UDC:368
COBISS_ID:11273500 New window
NUK URN:URN:SI:UM:DK:4AK9OQZH
Views:1440
Downloads:159
Metadata:XML RDF-CHPDL DC-XML DC-RDF
Categories:EPF
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Secondary language

Language:English
Title:EVALUATION OF CLAIMS ARISING FROM BUSINESS INTERRUPTION WITH A PRACTICAL EXAMPLE
Abstract:In this diploma thesis it comes to business interruptions, and on the conditions under which they can be insured. Business interruption occurs when a company can no longer operate normally, so it comes to failure, damage or even destruction of machinery, raw materials and other resources that are necessary for the undisturbed operation. Jam can occur for many reasons; it may be associated with natural disasters and phenomena to which man has no effect, but also due to human error. The income foregone and uncovered fixed costs protected with business interruption insurance, can be protected in case of damage, which could cause business interruption. Most often in practice, we talk about business interruption due to fire and machinery breakdown. A prerequisite for completion of these two insurance is fire insurance and machinery breakdown insurance. Assessment of damages resulting from business interruption is difficult and demanding work requiring a lot of expertise from insurance appraisers, it is necessary to consider all positive and negative circumstances, and the market price of the damaged plant.
Keywords:Business interruption Time Loss Breakdown Loss of Profits Machinery breakdown Fire breakdown Chomage Franchise Indemnification period Time franchise Insurance premium Insurance of financial losses Profit from operations Unavoidable costs


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