{"?xml":{"@version":"1.0"},"edm:RDF":{"@xmlns:dc":"http://purl.org/dc/elements/1.1/","@xmlns:edm":"http://www.europeana.eu/schemas/edm/","@xmlns:wgs84_pos":"http://www.w3.org/2003/01/geo/wgs84_pos","@xmlns:foaf":"http://xmlns.com/foaf/0.1/","@xmlns:rdaGr2":"http://rdvocab.info/ElementsGr2","@xmlns:oai":"http://www.openarchives.org/OAI/2.0/","@xmlns:owl":"http://www.w3.org/2002/07/owl#","@xmlns:rdf":"http://www.w3.org/1999/02/22-rdf-syntax-ns#","@xmlns:ore":"http://www.openarchives.org/ore/terms/","@xmlns:skos":"http://www.w3.org/2004/02/skos/core#","@xmlns:dcterms":"http://purl.org/dc/terms/","edm:WebResource":[{"@rdf:about":"http://www.dlib.si/stream/URN:NBN:SI:doc-JQSGT6A6/-a-01eb829d-4595a-63fe64baae148ebeba/PDF","dcterms:extent":"760 KB"},{"@rdf:about":"http://www.dlib.si/stream/URN:NBN:SI:doc-JQSGT6A6/72c68367-25c0-41ae-b6bf-23d1750e4910/TEXT","dcterms:extent":"55 KB"}],"edm:TimeSpan":{"@rdf:about":"2013-2025","edm:begin":{"@xml:lang":"en","#text":"2013"},"edm:end":{"@xml:lang":"en","#text":"2025"}},"edm:ProvidedCHO":{"@rdf:about":"URN:NBN:SI:doc-JQSGT6A6","dcterms:isPartOf":[{"@rdf:resource":"https://www.dlib.si/details/URN:NBN:SI:spr-2XUGOISV"},{"@xml:lang":"sl","#text":"Podjetje in delo"}],"dcterms:issued":"2022","dc:creator":"Zakelšek, Mitja","dc:format":[{"@xml:lang":"sl","#text":"številka:3/4"},{"@xml:lang":"sl","#text":"letnik:48"},{"@xml:lang":"sl","#text":"str. 480-499"}],"dc:identifier":["ISSN:0353-6521","COBISSID_HOST:115031043","URN:URN:NBN:SI:doc-JQSGT6A6"],"dc:language":"sl","dc:publisher":{"@xml:lang":"sl","#text":"Lexpera"},"dc:subject":[{"@xml:lang":"en","#text":"company indemnities"},{"@xml:lang":"en","#text":"D&O deductible insurance"},{"@xml:lang":"en","#text":"D&O insurance"},{"@xml:lang":"en","#text":"deductible"},{"@xml:lang":"en","#text":"directors and officers liability insurance"},{"@xml:lang":"sl","#text":"dolžna skrbnost ravnanja"},{"@xml:lang":"sl","#text":"dolžnost korporativne izravnave"},{"@xml:lang":"en","#text":"due diligence"},{"@xml:lang":"en","#text":"moral hazard"},{"@xml:lang":"sl","#text":"moralni hazard"},{"@xml:lang":"sl","#text":"odbitna franšiza"},{"@xml:lang":"sl","#text":"zavarovanje D&O"},{"@xml:lang":"sl","#text":"zavarovanje odbitne franšize"},{"@xml:lang":"sl","#text":"zavarovanje odgovornosti članov organov vodenja in nadzora"}],"dcterms:temporal":{"@rdf:resource":"2013-2025"},"dc:title":{"@xml:lang":"sl","#text":"Koristi in (prezrte) slabosti zavarovanja odgovornosti članov organov vodenja in nadzora gospodarskih družb|"},"dc:description":[{"@xml:lang":"sl","#text":"D&O insurance is a fairly popular form of an insurance product among foreign and domestic public companies. With their help, legal and economic protection is provided to directors and officers, as well as to companies themselves, in cases of claims of their liability for damages, which may occur due to breaches of due diligence in representing or supervising the company. The advantage of this type of insurance is that it also includes the ability of companies to attract quality managers and provide conditions for them to effectively accept the business risks necessary for successful operations. The purpose of this paper is to point out that D&O insurance - despite its undoubted benefits - is by its very nature accompanied by a number of weaknesses and risks that companies should carefully consider and take measures to manage before deciding on an insurance. The origin of D&O insurance weakness is rooted in the moral hazard of directors and officers, who act as fiduciary representatives of the company on the one hand and policyholders on the other hand when making decisions on concluding an insurance contract. Based on the analysis of foreign legal and economic theory, the paper tries to present some negative consequences of moral hazard and the possibilities for its greater management at the level of individual companies and other stakeholders (legislator, insurance companies, professional public, etc.)"},{"@xml:lang":"sl","#text":"Med tujimi in domačimi javnimi gospodarskimi družbami so zavarovanja D&O dokaj priljubljena oblika zavarovalnega produkta. Z njihovo pomočjo se zagotavlja pravna in ekonomska zaščita članom organov vodenja in nadzora družb ter tudi samim družbam za primere uveljavljanja njihove odškodninske odgovornosti, do katere lahko pride ob kršitvah dolžne skrbnosti ravnanja pri zastopanju ali nadziranju družbe. Kot prednost zavarovanja se navajajo tudi zmožnost družb za pritegnitev kakovostnih vodilnih kadrov in zagotovitev pogojev, da lahko ti učinkoviteje sprejemajo podjetniške rizike, ki so nujni za uspešno poslovanje. Namen tega prispevka je opozoriti na to, da zavarovanja D&O - kljub nedvomnim koristim - po naravi stvari spremlja nemajhno število slabosti in tveganj, ki bi jih gospodarske družbe morale pred odločitvijo za zavarovanje skrbno pretehtati in sprejeti ukrepe za njihovo obvladovanje. Izvorno točko slabosti zavarovanja je iskati v moralnem hazardu članov organov vodenja in nadzora, ki pri sprejemanju odločitev o sklenitvi zavarovalne pogodbe nastopajo kot fiduciarni zastopniki družbe na eni strani in zavarovanci na drugi. Prispevek skuša na podlagi analize tuje pravne in ekonomske teorije predstaviti nekatere negativne posledice moralnega hazarda in možnosti za njegovo večje obvladovanje na ravni posameznih družb in drugih deležnikov (zakonodajalec, zavarovalnice, strokovna javnost itn.)"}],"edm:type":"TEXT","dc:type":[{"@xml:lang":"sl","#text":"znanstveno časopisje"},{"@xml:lang":"en","#text":"journals"},{"@rdf:resource":"http://www.wikidata.org/entity/Q361785"}]},"ore:Aggregation":{"@rdf:about":"http://www.dlib.si/?URN=URN:NBN:SI:doc-JQSGT6A6","edm:aggregatedCHO":{"@rdf:resource":"URN:NBN:SI:doc-JQSGT6A6"},"edm:isShownBy":{"@rdf:resource":"http://www.dlib.si/stream/URN:NBN:SI:doc-JQSGT6A6/-a-01eb829d-4595a-63fe64baae148ebeba/PDF"},"edm:rights":{"@rdf:resource":"http://rightsstatements.org/vocab/InC/1.0/"},"edm:provider":"Slovenian National E-content Aggregator","edm:dataProvider":{"@xml:lang":"en","#text":"National and University Library of Slovenia"},"edm:object":{"@rdf:resource":"http://www.dlib.si/streamdb/URN:NBN:SI:doc-JQSGT6A6/maxi/edm"},"edm:isShownAt":{"@rdf:resource":"http://www.dlib.si/details/URN:NBN:SI:doc-JQSGT6A6"}}}}