THE NON-LIFE INSURANCE MARKET IN BULGARIA - 15 YEARS AFTER THE COUNTRY'S ACCESSION TO THE EUROPEAN UNION.

The main aim of the study is to establish the state and development of the leading insurance industry in our country - Non-Life Insurance, as well as to outline its importance as an economic sector and to determine its market structures after Bulgaria's accession to the European Union in 2007. The article traces the dynamics of gross written premiums realised by insurers in Non-Life Insurance during the period 2007-2021. The place of Non-Life Insurance in the Bulgarian economy has been established through the indicators "insurance penetration" and "insurance density". Its product structure for the same period has also been studied. As a result of the research, it is concluded that Non-Life Insurance in Bulgaria occupies a small share of the country's economy; Bulgarian citizens do not spend enough money on insurance, and the product structure of the market is dominated by Motor Insurance. [ABSTRACT FROM AUTHOR]