Przydatność wdrożenia systemu zarządzania środowiskowego zgodnego z normą ISO 14001 dla celów ubezpieczenia środowiskowego
DOI:
https://doi.org/10.18559/SOEP.2015.11.6Słowa kluczowe:
Ubezpieczenia, Zarządzanie środowiskiem, Normy ISO 14001Abstrakt
Przydatność systemu zarządzania środowiskowego dla ubezpieczeń gospodarczych nie jest jego naturalną cechą. Analizy teoretyczne i empiryczne nie wykazują jednoznacznie korzystnych - z punktu widzenia ubezpieczyciela - zmian w zakresie poziomu szkodowości czy zdolności informacyjnych podmiotów, które wdrożyły SZŚ. Co więcej, w obecnych uwarunkowaniach formalnoprawnych nie jest pożądane nagradzanie przez ubezpieczycieli samego faktu uzyskania certyfikatu (poprzez proponowanie niższych składek czy też korzystniejszych warunków ubezpieczenia). Wypracowanie przydatności SZŚ wymaga aktywności sektora ubezpieczeń. Konieczne jest opracowanie zestawu krytycznych czynników underwritingu ryzyka środowiskowego i likwidacji szkody środowiskowej, które posłużą do przygotowania wytycznych, rekomendacji dla celów ubezpieczeniowych skierowanych do jednostek certyfikujących systemy zgodne z ISO 14001, audytorów, firm consultingowych czy w końcu samych organizacji wdrażających systemy. Wobec ograniczonego zainteresowania zagadnieniem zarządzania środowiskowego wśród samych ubezpieczycieli konieczny jest bodziec do takich działań z poziomu makrosystemu.
Pobrania
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