o:29291 Rizik pandemije – pretnja ili šansa za delatnost osiguranja? Pandemic risk – a threat or an opportunity for insurance sr Apstrakt: Aktuelna pandemija novog korona virusa (COVID-19) svojim posledicama upozorava na rastući značaj rizika pandemije. Konačan broj ljudskih žrtava je još uvek neizvestan, dok su evidentni ogromni štetni efekti na svetsku ekonomiju. Mnogi ekonomski sektori pogođeni su merama vanrednog stanja i samom pandemijom. Predmet rada je analiza uticaja pandemije na sektor osiguranja, uključujući povećanje obaveza prema osiguranicima, uz istovremeno smanjenje naplaćene premije osiguranja, pogoršanje makroekonomskog ambijenta i operativne izazove za osiguravače. Cilj rada je da se ukaže na mogući doprinos delatnosti osiguranja upravljanju rizikom pandemije. Nakon nastupanja pandemije COVID-19, osiguravači su se našli pod pritiskom da ponude cenovno pristupačno osiguranje od rizika pandemije, koji se bitno razlikuje od rizika koji se uobičajeno osiguravaju, a naročito u delu koji se tiče mogućih gubitaka usled prekida poslovanja. Javno-privatno partnerstvo predstavlja adekvatan model upravljanja rizikom, kojim se teret saniranja posledica pandemije raspodeljuje između države i sektora (re)osiguranja. SUMMARY: Th e ongoing pandemic of the new coronavirus (COVID-19) warns of the growing importance of pandemic risk. Th e fi nal number of human casualties is still uncertain, while huge adverse eff ects on the world economy are evident. Many economic sectors have been aff ected by emergency measures and the pandemic itself. Th e paper analyzes the impact of the pandemic on the insurance sector, including the increase in liabilities to policyholders with a simultaneous reduction of the insurance premium collected, the deterioration of the macroeconomic environment and operational challenges that insurers face. Th e aim of this paper is to point out the possible contribution of insurance to pandemic risk management. Following the COVID-19 pandemic, insurers came under pressure to off er aff ordable insurance against the risk of pandemic, which is significantly different from normally insurable risks, and especially in the part concerning possible losses due to business interruption. Publicprivate partnership is an adequate risk management model which distributes the burden of repairing the consequences of the pandemic between the state and the (re)insurance sector. Ključne reči: rizik pandemije, osiguranje, COVID-19, javno-privatno partnerstvo Key words: pandemic risk, insurance, COVID-19, public-private partnership 1552101 2334-7597 2023-05-10T12:59:54.698Z 44 no 46 Jelena Kočović Univerzitet u Beogradu Ekonomski fakultet 12438375 0000-0003-3219-4746 Tatjana Rakonjac Antić Univerzitet u Beogradu Ekonomski fakultet person 12789863 0000-0003-0371-0115 Marija Koprivica Univerzitet u Beogradu Ekonomski fakultet person 13834087 0000-0003-4239-2252 application/pdf 133329 https://phaidrabg.bg.ac.rs/o:29291 no yes 1 70 92000001 11A03 Evropska revija za pravo osiguranja 2 10 18 2020