Koncepcja spolecznej odpowiedzialnosci biznesu w uslugach ubezpieczeniowych. (The conception of the Corporate Social Responsibility in the insurance services.)

The analysis of the financing of the effects of natural disasters in Poland indicates a large inconsistency and arbitrariness as far as the decisions of the local government and state authorities are concerned. The paper attempts to identify proposals for systemic solutions, based on mutual insurance, which would ensure covering the costs of the local government caused by natural disasters. Work in this area seems to be all the more necessary that the insurance market is increasingly refuses to cover this risk.