Insurance types

Non-life insurance 7
Insurance products 8
Narrow science 9
Compulsory insurance 10
LR transport mean owner’s liability insurance 11
Professional liability insurance 11
Compulsory property insurance 13
Compulsory health insurance 13
Public social insurance 13
Insurance from point of view of business activities 14
Property and business interruption insurance 14
Business interruption insurance 14
Property insurance 17
Employers 18
Employer’s Liability Insurance 18
Insurance from accidents 19
Health insurance 21
Life insurance 22
The civil liability insurance 23
Transport 25
Loads 25
Credit 26
Construction 26
Travel 27
Insurance tricks 27
Insurance companies’ tricks 28
Directed way accidents 28
Assumed theft of transport mean 29
Trick in civil liability insurance 29
Trick in compulsory insurance from accidents in the work place 29
Other ways of cheating 30
Assurer’s tricks 31
Insurance company’s avoidance to pay insurance sum 31
Government’s trick 32
Present and future tendencies for insurance in Lithuania. 33
Definitions of some terms used in the work 33
References 35
Introduction
In my work I overview the mane risks threatening for the business. And come to conclusion that the main way to reduce them is to choose right types of insurance.
Also I introduce different classifications of insurance according different criteria. In broader science there can be distinguished: life and non – life insurance. Statistics helps to analyze the distribution of life and non-life insurance within Lithuania and around EU countries. In narrow science I describe: simple and complicated; personal, property and financial losses; short-run and long-run; compulsory and voluntary groups of insurance.
Also I want to go deeper to compulsory insurance. As it is essential for us as for future managers aiming to reduce the risk of a business. Having analyzed a lot of sources of information I came to the conclusion that there are such compulsory insurance types: 1) LR transport mean owner’s liability insurance; 2) Professional liability insurance; 3) Compulsory property insurance (mortgage object, good storage); 4) Compulsory health insurance; 5) Public social insurance.
In the next section I will represent overall variety of types of insurance...

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