Pojištění odpovědnosti za škodu vzniklou v souvislosti se závažnou havárií

My dissertation deals with the insurance responsibility for damage caused in relation with a major accident. The main goal of this task is to evaluate the state intervention in the form of a compulsory liability insurance for firms, which can cause a major accident. In my work I will support the thrust of the state intervention and will try to find a premise for that. I will show that the target of compulsory liability insurance is not to complicate life of new firms or of existing ones. I want to demonstrate that compulsory insurance leads to a better precaution for a major accident and it can also lead to precaution and safety investments. Further, I want to point out that compulsory insurance does not protect only firms, but also their creditors and employees. The protection company is to avoid a pointless risk in case that the firm itself takes too low an aversion towards risk. If the firm employes the compulsory liability insurance, the insurance company becomes another control body that is responsible for safety. This is consequently a benefit for taxpayers, whose money is not used for some damages caused by insolvent companies. The benefit for creditors and injured employees is also a big security in case of an accident, where an insurance company ensures a company's solvency. There are many other good reasons for compulsory insurance, and we can definitely find bad reasons too. Overall however, I see compulsory insurance as beneficial.