Innowacje produktowe i procesowe w obszarze ubezpieczeń majątkowych dla osób fizycznych
Product and Process Innovations in Property Insurance for Individuals

Summary/Abstract: Increasing competition and the changing expectations of consumer insurance services determine the development of innovation and diffusion of innovation in the insurance sector. The aim of the study is to identify and synthetic characteristics of the main categories of innovation in the area of property insurance in Poland on the example of insurance of houses and apartments for individuals. The first part of the study presents the essence of innovation in insurance and their classification. The main part of this paper is the empirical identification of the product and process innovations in the insurances of houses and apartments for individuals. The research showed that most innovations in this area consists in introducing numerous modifications and adaptation of solutions from other areas of insurance, which makes that these innovations there are incremental rather than radical. The research also provide a good starting point for leading further research.

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