Factors which Generate the Peculiarities of the Management in Insurances

This article presents some considerations concerning the management in insurances. There are presented peculiarities of the management in insurances, making the difference between the compulsory insurances and the optional insurances. There are pointed the organizational measures taken by insurance companies, stressing the random nature of the damages, the specific types of insurances such as goods, persons, third-party liability. There are mentioned: the conditions which the manager has to fulfil, the means by which he can avoid the bankruptcy of the company, those modalities which permit to obtain profits for the company, the investment on the money market of those funds which are not immediately necessary for paying the damages towards the insured, the constitution of a solvency margin, meaning redundancy included in tangible assets which have to be maintained permanently. There are distinguished factors which generate the specific of the management in insurances, being insisted over the juridical form of the insurance thru the effect of the law or optional.