Pojištění občanské odpovědnosti v Německu

This master's thesis analyzes the personal liability insurance market in Germany and compares it with the market in the Czech Republic. The main objective of the thesis is to provide an overview of this insurance product in both theoretical and practical contexts, evaluate its importance within the German insurance market, and assess its position in the Czech insurance market based on the results of the analysis. The theoretical part defines the fundamental concepts of insurance, characterizes personal liability insurance, and places it within the German regulatory and social framework. The analytical part identifies key competitors in the German market and evaluates the structure and specific features of selected personal liability insurance products. The final comparison reveals significant differences between the two markets. The Czech market is characterized by higher market concentration, lower penetration of personal liability insurance, and a different product distribution strategy. The thesis also highlights differences in the scope of coverage, indemnity limits, and product pricing, concluding that the German market can provide valuable insights for the further development of personal liability insurance in the Czech Republic.