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The subject matter of this paper is the analysis of the quality of the services and the sustainability of the business operations of insurance companies in the agricultural sector in the Republic of Serbia, depending on the teamwork concept. Teamwork belongs to the internal marketing factors in companies' business doing. Teams should have a common goal which the members may only achieve through joint work and a combination of the knowledge and abilities pertaining to different areas. Client satisfaction is a teamwork efficiency measure. Apart from a large number of satisfied users, a large number of new insurance programs innovated from year to year and offering its users an increasingly big range of possible types of insurance are also the indicators of the successful business doing of insurance companies in the agricultural sector. The research study was done on a suitable sample of 250 respondents, employed in 10 insurance companies.

The subject of this paper is an analysis of sports insurance options in the Republic of Serbia. Given the importance of sport in modern society, which manifests itself through its educational effects and the great capital it brings, the principle of freedom to play sports is at its peak. Injuries and illnesses of athletes are becoming more and more frequent as they face increasing demands and challenges. It is obvious that every year, day by day, more and more demands are placed on athletes and the exposure to injuries is increasing. The primary purpose of sports insurance is to provide economic protection to insured individuals (athletes, coaches, referees) and legal entities (sports organizations, federations, clubs) from the negative consequences of injury to athletes and the loss of income that athletes earn, but also their clubs in the case of a club competition, which occurs when the risk is realized, that is, the insured event occurs.

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The insurance market has a significant impact on the development of economy of each country and it is an important factor of the stability of the financial sector. The insurance market in Serbia is underdeveloped and according to the degree of development, it is well below the average of the European Union member states. This is reflected in the indicators of the development of the insurance market - the ratio between total premium and gross domestic product and total premium per capita. The insurance market in Serbia belongs to a group of emerging markets with significant potential, primarily in the sphere of life insurance. The growth rate of the life insurance market in Serbia was different and it used to be prone to external and internal influence of various factors. Pursuant to the Insurance Law and the Law on Amendments to the Law on the National Bank of Serbia from 2004, supervision over the performance of insurance activities was entrusted to the National Bank of Serbia. In 2004, it defined and disclosed its strategic goal in the field of insurance - creation and maintenance of a safe and stable insurance sector and provision of public confidence in the insurance sector, in order to protect the interests of policyholders and third parties. In accordance with its legal authority, the National Bank of Serbia adopts the acts defined by law, exercises supervision over the performance of insurance activities, issues and revokes licenses for performance of insurance activities, reinsurance, insurance brokerage and activities directly related to insurance activities, gives consent to acts, gives and withdraws approval for appointment of members of the management and supervisory board, grants and revokes the approval for acquiring qualified participation in the company, processes statistical and other data, keeps data registers in accordance with the Law, considers complaints of policyholders and third parties to the work of insurance companies, including conducting mediation.

The objective of this paper is to present the importance of information and communication technologies (ICT) for the development of insurance companies business, and in particular distribution of insurance products that relies on ICT, primarily the Internet. The special place here is reserved for internet marketing, which is most commonly used in insurance companies. Mobile communications introduce the biggest changes in e-commerce. Nowadays their distribution among consumers offers great opportunities for service providers. Currently, insurance companies in our country do not offer their services through this specific communication channel. However, in the very near future changes can be expected in this sphere because preconditions for such activity already exist in Serbia today. This is supported by the information that certain insurance companies in the countries in the region have already activated their first applications for smartphones, and similar applications for banking already function in Serbia.

The paper describes the importance of information and communication technology for the development of the insurance companies, with special emphasis on the current development and potential for further development of marketing, and the distribution of insurance products in particular, which relies on information and communication technologies, especially the Internet. A special place here is reserved for the internet marketing as the most common of Internet uses among insurance companies. Transforming business processes so that they comply with the principles of electronic commerce will in the neaar future become common even in smaller businesses, formerly conservative financial institutions, e.g. insurance companies, are increasingly turning to e-insurance which, despite high costs of its introduction and initial problems in the operation, are to be relied upon in the near future. Therefore, in many countries, it is becoming accepted, to a greater or lesser extent. Mobile communication brings the biggest changes in electronic commerce. Even today, its prevalence among consumers offers great opportunities for service providers. Insurance companies in our country at this moment do not offer their services through this specific communication channel, but in the very near future changes can be expected in this field, due to the fact that the prerequisites for that exist in Serbia. This is supported by information that some insurance companies in the neighboring countries have already activated their first applications for smart phones and similar applications in the Serbian banking industry already exist.

In most countries and especially in 'countries in transition', the pension insurance systems are in crisis and they are trying to establish a model of sustainable functionality through reforms. In the period from 2001 to 2014, Serbia was reforming the pension system in order to deal with all the problems like: high deficit, debt, employees - pensioners ratio, negative demography, etc. In this paper, we have shown the research results in order to evaluate the opinions of the citizens of Niš about the existent compulsory pension insurance and the trust in private insurance, as well as to hear opinions on the need for the additional reforms of the system. The Hypo thesis Ho has been proven true: The citizens are not satisfied with the existent state of the retirement insurance, they think that the pension fund is empty and that it cannot guaranty reliable pensions. That means that reforms, taken until now, were not enough and that they need to be continued.

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Climate changes have a strong negative impact on the insurance sector, which is reflected in the slow development of the insurance sector and in the transfer of the greater part of risk on the state and individuals. The difference between collected and paid premiums on the basis of incurred losses is rapidly decreasing, which leads to the fact that insurance market is less and less capable of absorbing the losses associated with climate changes, which then has negative repercussions on the availability of insurance services at an affordable premium. The question of establishing potential long and short-term effects of climate changes on business activities of insurance and reinsurance companies represents a priority and its ultimate objective is to find ways to minimize risks and losses. The problem of climate changes represents an important social problem in today's civilization. At the same time, it is also an ecological problem, but also economic, political, social, cultural, health, etc. It is a global ecological problem, hence we can speak about global climate changes which affect states, nations, continents regardless of where they are and how responsible they are for creating and sustaining these changes [ABSTRACT FROM AUTHOR]