Opportunities of the fund generation and investment analysis of non-life insurance companies

Risk is a fact that we can always face it in our lives. Risks like, national disasters (earthquake, flood, landslide, full, storm), fire and accident are hard to prevent physically. Therefore, while we have to endure physical results of them, we should not need to face their financial results. At that point, we can talk about the fact of insurance companies. Those companies can secure our future lost possibilities with some small amount of our capital. As a result of this, we can insure our benefits with small amount of premium which insurance companies can build a large pool and invest those premiums and generate sources for our economy. Insurance companies invest those funds to earn benefit to cover the possible lost of insured parties and develop businesses in our economy such as employments and assessments. After all, insurance companies can be a commercially beneficial element in the business system. How can insurance companies find customers in Turkey? How do they collect premiums? How do they invest those premiums? How do they cover risk which might occur more then their financial capital? When we compare our country with the others, where is the insurance sector in business environment? What are the absences of insurance environment while we are at the European Union Candidacy?s process? What are the needs for the sector and the hardness of the competition in insurance business? We can try to find the answers of above questions in our study. In our study; we analyze the beginning of insurance in the world, insurance terms, improvement history of insurance in Turkey and World, problems and their result of the sector, invest in funds for the insurance environment and place of insurance in the business environment. We also analyze the first ten companies at the insurance business. We looked at their premiums, profits and investment instrument at the years between 2000 and 2005. With their result, we try to understand the whole sector?s business attitudes