Živelní události a jejich řešení prostřednictvím komerčního pojištění

This thesis deals by natural disasters and solutions through commercial insurance. The introduction explains the concept of natural disaster and subsequently there are closer specified individual natural hazards. Then, the work focuses on the development of catastrophic events in the world in recent years, the consequences of their formation, their effects and the impact on these events on the world and Czech insurance. Due to the high frequency of floods in the Czech Republic in recent years, the work also addresses the issue of floods, their insurability and changes on the Czech insurance market reacting to the increased occurrence of floods. The thesis focuses on commercial property insurance products of individuals given to individual areas of different risk in terms of flooding. The analysis shows that insurers evaluate the individual risk zones in different ways and the most risk area of insurance excluded. At the end, there are evaluate the scope of insurance risk transfer to other entities, its importance and possibilities of alternative risk transfer.