Risk in Mountain Tourism

The subject of the article is the risk associated with the tourist and recreational activity carried out in mountain areas, with particular regard to the winter season. Identification of this risk is the purpose of this paper, while attention has also been focused on issues related to the protection of the effects of this risk using the insurance method. Risk is an inherent attribute of all human activity, especially in the practice of dangerous sports, where accidents, harms and injuries occur. Risk means that the tourist counts with the possibility of a variety of threats that may prevent his or her goals. It is not always possible to protect against such events. In addition, it should be noted that insurance, as a risk management method, does not protect against the direct effects of risk implementation but only allows to cover their financial consequences. Complete elimination of risk is not possible. However, different strategies need to be taken to make the activity in the mountains more secure.