Modeli osiguranja tvrtki drvnog sektora

Ciljevi istraživanja bili su utvrditi kako su osigurane tvrtke drvnog sektora i od kojih se opasnosti osiguravaju. Promatrani su parametri bili: struktura osiguranja, veličina tvrtki, tehnološke mogućnosti s određenom potrebom njihova osiguranja te ukupna sigurnost tvrtki drvog sektora koja se odnosi na imovinu i imovinske interese. Rezultati istraživanja pokazali su kako se drvne tvrtke koriste uslugama osiguravajućih društava, ali ne dovoljno. Pokazalo se kako osigurane tvrtke koje su pretrpjele velike štete imaju veće izglede za sanaciju šteta te kako je poželjno da se primjene određeni modeli osiguranja jer je trošak premije osiguranja u strukturi ukupnih troškova gotovo zanemariv i nije poželjno na tome štedjeti jer osiguranje donosi potrebnu sigurnost, koja je nužna u tvrtkama drvnog sektora. Analizom i usporedbom dobivenih rezultata predstavljeni su i obrazloženi modeli osiguranja koji će biti najučinkovitiji.The research goals were to determine how the wood sector companies were insured and which risks were covered by insurance. The following parameters were studied: the structure of insurance, company size, technological capabilities requiring insurance coverage, and the overall security of wood sector companies with respect to property and property interests. The results have shown that the wood sector companies use the services of insurance companies but not to a suffi cient extent. It has been shown that companies that had suffered great damage have greater security for the recovery of damage. It has also been shown that insurance models should be applied since the share of insurance premium costs in the total cost structure is almost negligible and that saving on these costs is not desirable taking into consideration that it brings the necessary security to the wood sector companies. By analyzing and comparing the obtained results, insurance models that would be the most effective have been presented and elaborated