Osiguranje od odgovornosti direktora i članova uprave kompanija

Abstract

Osiguranje od odgovornosti direktora i članova uprave kompanija je institut od sve većeg značaja. Kako privrednopravni ambijent dvadeset prvog veka karakteriše povećanje regulative koja se odnosi na korporativne direktore i permanentno podizanje standarda njihove odgovornosti, savremeno poslovanje se teško može zamisliti bez instituta koji umanjuje korporativne rizike. Članak je među prvima u našoj literaturi koji analizira osiguranje od odgovornosti direktora, fokusirajući se na njegov pojam i značaj za korporativno upravljanje. U prvom delu rada, nakon definisanja različitih značenja koja se pridaju pojmu osiguranje od odgovornosti direktora, autor navodi krug lica koja mogu biti obuhvaćena pokrićem. Izvršni i neizvršni, zavisni i nezavisni direktori, članovi upravnog odbora analizirani su kao osiguranici, uz isticanje razlika u uslovima pokrića. U drugom delu rada autor se bavi značajem osiguranja od odgovornosti direktora za korporativno upravljanje. Zaštita članova uprave od odgovornosti, omogućavanje regrutovanja kvalifikovanih kadrova i podsticanje razvoja dobre prakse korporativnog upravljanja su osnovni pokazatelji značaja osiguranja od odgovornosti za praksu korporativnog upravljanja.

Directors and officers liability insurance is an institute that is becoming increasingly important. As the economic and legal environment of the twenty-first century is characterized by an increase in the number of regulations regarding corporate directors, and by the permanent rising of the standards of their liability, it is difficult to imagine contemporary business without having the institute which decreases corporate risks. This article gives introductory information about directors and officers liability insurance, by focusing on the notion and its importance to corporate governance. The article is divided into two parts. After making distinctions between different meanings of the notion of directors and officers liability insurance, the author points out the persons who could be covered by this type of insurance. Executive and non-executive directors, dependent and independent directors, members of the board of directors are analyzed as insured persons, with emphasis on the differences in the conditions of the respective coverage. In the second part of the article, the author deals with the importance of the directors and officers liability insurance to corporate governance. The protection of the directors from liability, enabling the recruitment of qualified personnel, and encourage­ment of the development of good corporate governance practice are the main indicators of the importance of directors and officers liability insurance to the practice of corporate governance.