Risk managment pojistitelných podnikových rizik

This master’s thesis focuses on the management of insurable corporate risks and their significance for the financial stability and business continuity of an enterprise. The theoretical part defines the concept of risk, its basic classifications, and presents the principles of traditional risk management and enterprise risk management (ERM), including the role of insurance and insurance brokers in the risk management process. The practical part is dedicated to the analysis of insurable risks of a specific five-star hotel located in Prague. Using a specialized analytical tool, a risk map was developed and the probability and impact of individual risks were assessed. The results of the analysis indicate an increased overall risk exposure of the enterprise, particularly in the areas of natural hazards and cyber risks. Based on the conducted analysis, the thesis describes methods for managing the identified risks, including preventive measures, the configuration of insurance coverage, and a benchmark of insurance costs compared with a selected reference hotel. The thesis confirms that a systematic approach to the management of insurable risks and a well-designed insurance strategy contribute to strengthening organizational resilience, operational continuity, and the long-term stability of the enterprise.