Business insurances as an element of sustainable development of small and medium enterprises in Poland

Natalia Pawlak , Piotr Oskar Czechowski , Tomasz Czuba , Aneta Oniszczuk-Jastrząbek , Artur Badyda


The SME sector in Poland constitutes over 90% of all business entities. It is a broad market for insurance products. The choice of the insurer by these entrepreneurs is conditioned by several factors, including a beneficial image of the insurer, security in terms of its solvency, an attractive amount of the insurance premium or a wide insurance offer. The data comes from the study "SME finance 2015 - Insurance services market". Two research hypotheses were made for the purposes of the analysis. The first one assumes that the analysed factors are important when choosing the insurer by the SMEs. The second one indicates the selection of an adequate level of protection up to the level of risk occurrence. The results of the research show that PZU SA is the main insurer in Poland. At the same time, it is the most willingly selected SME among enterprises. In addition, two groups of clients were identified. The first one is characterised by the use of adequate protection measures in relation to the degree of risk occurrence. The other group applied relatively high or low degree of protection against small or high risk.
Author Natalia Pawlak
Natalia Pawlak,,
, Piotr Oskar Czechowski
Piotr Oskar Czechowski,,
, Tomasz Czuba (FE / IIB)
Tomasz Czuba,,
- Institute of International Business
, Aneta Oniszczuk-Jastrząbek (FE / IMTST)
Aneta Oniszczuk-Jastrząbek,,
- Institute of Maritime Transport and Seaborne Trade
, Artur Badyda
Artur Badyda,,
Journal seriesSHS Web of Conferences , ISSN 2416-5182, e-ISSN 2261-2424, (0 pkt)
Issue year2018
Publication size in sheets0.6
ConferenceX Konferencja Naukowa InfoGlob 2018, 18-09-2018 - 20-09-2018, Gdańsk ; Nynäshamn, Polska
Languageen angielski
LicenseJournal (articles only); published final; Uznanie Autorstwa (CC-BY); with publication
Score (nominal)15
ScoreMinisterial score = 15.0, ArticleFromJournalAndMatConfByIndicator
Ministerial score (2013-2016) = 15.0, ArticleFromJournalAndMatConfByIndicator
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* presented citation count is obtained through Internet information analysis and it is close to the number calculated by the Publish or Perish system.