[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mibag.sk\/sprostredkovanie-poistenia-ako-nastroj-na-eliminaciu-poistnych-rizik-podnikatelov\/#Article","mainEntityOfPage":"https:\/\/www.mibag.sk\/sprostredkovanie-poistenia-ako-nastroj-na-eliminaciu-poistnych-rizik-podnikatelov\/","headline":"Sprostredkovanie poistenia ako n\u00e1stroj na elimin\u00e1ciu poistn\u00fdch riz\u00edk podnikate\u013eov","name":"Sprostredkovanie poistenia ako n\u00e1stroj na elimin\u00e1ciu poistn\u00fdch riz\u00edk podnikate\u013eov","description":"Sprostredkovanie poistenia predstavuje \u010dinnos\u0165, pri ktorej sa poistn\u00e9 produkty nepred\u00e1vaj\u00fa alebo nepon\u00fakaj\u00fa priamo samotnou pois\u0165ov\u0148ou, ale prostredn\u00edctvom sprostredkovate\u013eov poistenia. V\u00a0s\u00fa\u010dasnosti je u\u017e zriedkav\u00e9, aby klient priamo nav\u0161t\u00edvil konkr\u00e9tnu pois\u0165ov\u0148u a\u00a0uzavrel poistn\u00fa zmluvu na mieste. Je to hlavne z\u00a0toho d\u00f4vodu, \u017ee pre klienta nie je jednoduch\u00e9 zorientova\u0165 sa v \u0161irokej \u0161k\u00e1le pon\u00fakan\u00fdch poistn\u00fdch produktoch na trhu.\u00a0 […]","datePublished":"2025-03-01","dateModified":"2025-03-01","author":{"@type":"Person","@id":"https:\/\/www.mibag.sk\/author\/#Person","name":"","url":"https:\/\/www.mibag.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a231d13c7dfc9c75f2343f864438f5ab9c0bfebd1aa37dfd3bb16118c04f838c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a231d13c7dfc9c75f2343f864438f5ab9c0bfebd1aa37dfd3bb16118c04f838c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mibag.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mibag.sk\/wp-content\/uploads\/img_a288963_w16543_t1530029318.jpg","url":"https:\/\/www.mibag.sk\/wp-content\/uploads\/img_a288963_w16543_t1530029318.jpg","height":0,"width":0},"url":"https:\/\/www.mibag.sk\/sprostredkovanie-poistenia-ako-nastroj-na-eliminaciu-poistnych-rizik-podnikatelov\/","wordCount":419,"articleBody":"Sprostredkovanie poistenia predstavuje \u010dinnos\u0165, pri ktorej sa poistn\u00e9 produkty nepred\u00e1vaj\u00fa alebo nepon\u00fakaj\u00fa priamo samotnou pois\u0165ov\u0148ou, ale prostredn\u00edctvom sprostredkovate\u013eov poistenia. V\u00a0s\u00fa\u010dasnosti je u\u017e zriedkav\u00e9, aby klient priamo nav\u0161t\u00edvil konkr\u00e9tnu pois\u0165ov\u0148u a\u00a0uzavrel poistn\u00fa zmluvu na mieste. Je to hlavne z\u00a0toho d\u00f4vodu, \u017ee pre klienta nie je jednoduch\u00e9 zorientova\u0165 sa v \u0161irokej \u0161k\u00e1le pon\u00fakan\u00fdch poistn\u00fdch produktoch na trhu.\u00a0 P\u00e1ve pre t\u00fato negramotnos\u0165 klientov v\u00a0oblasti poistn\u00fdch produktov, vyu\u017e\u00edvaj\u00fa pois\u0165ovne slu\u017eby sprostredkovate\u013eov. V\u00a0pr\u00edpade elimin\u00e1ci\u00ed riz\u00edk podnikate\u013esk\u00fdch subjektov zohr\u00e1vaj\u00fa pr\u00e1ve sprostredkovatelia k\u013e\u00fa\u010dov\u00fa \u00falohu. Pri sprostredkovan\u00ed poistenia pre podnikate\u013esk\u00e9 subjekty sa vych\u00e1dza z\u00a0anal\u00fdzy poistn\u00fdch riz\u00edk, na ktor\u00e9 sa aplikuj\u00fa vhodn\u00e9 prostriedky na ich elimin\u00e1ciu. Vhodn\u00fdm prostriedkom na elimin\u00e1ciu t\u00fdchto riz\u00edk je pr\u00e1ve v\u00fdber spr\u00e1vneho poistn\u00e9ho produktu.\u00a0Mnoh\u00ed \u013eudia s\u00fa toho n\u00e1zoru, \u017ee jedinou \u00falohou sprostredkovania poistenia je v\u00a0kone\u010dnom d\u00f4sledku predaj poistn\u00fdch produktov. Toto tvrdenie nie je \u00faplne presn\u00e9. Nedostato\u010dn\u00e9 inform\u00e1cie o\u00a0poistn\u00fdch produktoch a\u00a0jeho \u00faloh\u00e1ch ved\u00fa klientov k\u00a0ned\u00f4vere a\u00a0k\u00a0neochote uzatv\u00e1ra\u0165 poistn\u00e9 zmluvy. Z\u00a0toho d\u00f4vodu prvorad\u00fdm cie\u013eom a\u00a0\u00falohou sprostredkovania poistenia je zv\u00fd\u0161i\u0165 znalosti a\u00a0poskytn\u00fa\u0165 klientovi dostatok inform\u00e1ci\u00ed v\u00a0oblast\u00ed poistn\u00fdch produktov.\u00a0\tPre\u010do potrebujeme sprostredkovate\u013eov?V\u00a0s\u00fa\u010dasnosti u\u017e nie je probl\u00e9m n\u00e1js\u0165 pois\u0165ov\u0148u, ktor\u00e1 by vyhovovala po\u017eiadavk\u00e1m ak\u00e9hoko\u013evek podniku, na poistnom trhu ich p\u00f4sob\u00ed viacero a\u00a0je mo\u017en\u00e9 medzi nimi vybera\u0165. Probl\u00e9mom v\u0161ak na\u010falej zost\u00e1va vybra\u0165 si spr\u00e1vne poistn\u00e9 krytie.Z\u00a0toho d\u00f4vodu je k\u013e\u00fa\u010dov\u00fd v\u00fdber spr\u00e1vneho sprostredkovate\u013ea poistenia a to nie je \u013eahk\u00e1 \u00faloha, nako\u013eko na trhu existuj\u00fa aj sprostredkovatelia, ktor\u00ed vidia v\u00a0sprostredkovan\u00ed len vlastn\u00fd finan\u010dn\u00fd prospech. Napriek tomu s\u00fa najd\u00f4le\u017eitej\u0161\u00edm medzi\u010dl\u00e1nkom medzi komer\u010dnou pois\u0165ov\u0148ou a\u00a0klientom. Najlep\u0161ou vo\u013ebou ako n\u00e1js\u0165 \u201edobr\u00e9ho\u201c sprostredkovate\u013ea je met\u00f3da v\u00fdberu prostredn\u00edctvom prieskumu trhu a\u00a0porovnan\u00edm pomeru poskytovan\u00fdch slu\u017eieb a\u00a0cien za sprostredkovanie poistenia.Akoko\u013evek m\u00f4\u017eeme vn\u00edma\u0165 \u00falohu sprostredkovate\u013eskej \u010dinnosti, ale pravdou zost\u00e1va, \u017ee v\u00a0mnoh\u00fdch pr\u00edpadoch s\u00fa jedin\u00ed, ktor\u00ed dok\u00e1\u017eu odvr\u00e1ti\u0165 katastrofu v\u00a0pr\u00edpade, \u017ee d\u00f4jde k\u00a0poistnej udalosti.\u00a0                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Sprostredkovanie poistenia ako n\u00e1stroj na elimin\u00e1ciu poistn\u00fdch riz\u00edk podnikate\u013eov","item":"https:\/\/www.mibag.sk\/sprostredkovanie-poistenia-ako-nastroj-na-eliminaciu-poistnych-rizik-podnikatelov\/#breadcrumbitem"}]}]