TEORIJA RIZIKA U OSIGURANJU/RISK THEORY IN INSURANCE

Abstract

The fact that the classic theory of risk is static, reason is crucial for why it found little use. Term risk in insurance theory should be separated from all other terms and names risk because this term signifies a very specific creative process in which in advance is determined the direction of activity on the relation insured client – insurer. This way, the insurance becomes a resource with someone who absorbs the risk from the outside. The problem of risk studying in insurance in Bosnia and Herzegovina is not given needed attention, and wish to try to give one or more answers to this and other matters we determined the assignments of the research: 1. Defining the term risk theory in insurance; 2. Determine the information that will have a use for deciding eventual decisions about new products in the insurance industry. The goal of this paper is, based on research to determine, to what extent will devising new products from the area of insurance industries and offers on the insurance market contribute to upgrading the insured client–insurer relations. In that direction, the research will be focused on the following objectives;1. Develop existing knowledge on the field of insurance; 2. Perfect the existing theoretical frame, on the field of developing insurance protection; 3. Creates a system of information distribution from the insurer to the insured clients. For complete research of the theory of risk in insurance, it's necessary to research the most common types of insurance protection..