ПРЕДИЗВИКАТЕЛСТВА ПРЕД ЗАСТРАХОВАНЕТО СРЕЩУ ПОЖАР И ДРУГИ СТИХИЙНИ БЕДСТВИЯ НА СГРАДИ И ИМУЩЕСТВА НА ГРАЖДАНИТЕ В БЪЛГАРИЯ
CHALLENGES BEFORE INSURANCE AGAINST FIRE AND NATURAL DISASTERS OF BUILDINGS AND PROPERTY OF CITIZENS IN BULGARIA

Summary/Abstract: Insurance industry is a significant factor in the Bulgarian economy. Its long existence on our market has helped and guaranteed customers’ and businesses’ calmness and safety. The „Fire and other disasters” insurance is intended for insurance of estates and movable property owned by natural or legal persons on the territory of the Republic of Bulgaria. The dynamics of the insurance market against fire and other disasters is naturally influenced by the number of the crisis events in Bulgaria, the registered damages, the recovery expenses and rescue and immediate emergency services. The insurance payments on the property insurance come up to millions of levs – BGN - on a yearly basis and bring to keeping the standard of living as well as materializing the insurance service and the bonus income thus becoming part of the national income. Insurance industry is a significant factor in the Bulgarian economy and the insurance companies are a major institutional investor in the state debt – third in line following the bank and social security sector. A great number of problems and challenges before insurance business against risks of fire and other disasters to the buildings and the property of citizens in Bulgaria can be identified and explored by implementing operative controlling in the insurance company. The operative controlling is a step forward in the perfection of the management of the insurance company for overcoming the obstacles for reaching its goals. In this way we also put forward the question for adapting the Bulgarian insurance practices to the European and world demands.

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