Цел. Настоящата разработка има за цел да апробира потенциала за участие на застрахователните дружества в проекти за възобновяема енергия (на етап инвестиране, реализиране и експлоатация), които са в основата на концепцията за зелена икономика и устойчиво развитие. В застрахователната  дейност, тези проекти се възприемат като нови бизнес възможности, което изисква да се идентифицират, конкретизират и систематизират съществуващите рискове, на които са изложени проектите свързани с възобновяемите източници на енергия (ВЕИ). Резултати. Застрахователната дейност притежава потенциала едновременно да участва и да заема ключово значение в процесите, свързани с проектирането и последващата експлоатация на ВЕИ. За да поемат отговорност застрахователните компании е необходимо да разполагат с детайлна и достоверна информация, както за рисковете, така и за рисковите обстоятелства за застрахованите обекти. Постигнатите резултати в настоящата разработка са свързани с идентифицирането на рисковите групи и конкретните рискове, на които са изложени проектите за възобновяема енергия, както и кои от тях могат да получат покритие по линия на застрахователната дейност. Научна новост. В настоящото изследване е предложен вариант за прилагане на различни застраховки, на базата на включените в застрахователният договор рискове (застраховки за всички рискове, застраховки с широко, частично или ограничено покритие), съобразно актуални проучвания на застрахователния пазар за рисковете, на които са изложени проектите за ВЕИ. Практическа стойност. Класификацията на застрахователните продукти може да бъде извършена по различни критерии – в зависимост от вида на източника на възобновяема енергия, броя на застрахованите обекти, срока на застрахователния договор и др. Обособяването на отделните застраховки е осъществено и представено в табличен вид, въз основа на рисковете, включени в застрахователното покритие. Очертани са четири категории: 1) застраховки за всички рискове; 2) застраховки с широко покритие; 3) застраховки с частично покритие и 4) застраховки с ограничено покритие.

Artificial intelligence is changing the world in unprecedented ways and redefining all areas of human activity. In recent decades, the development of AI has progressed at an extraordinary pace. This study examines the scope of implementing AI in the financial sector, insurance, and financial controlling. The research team focuses on these areas, as the main objective of this review is to provide a comprehensive walk-through and to fill the gaps in the literature related to AI implementation in finance, insurance, and financial control from an economic perspective. We provide a comprehensive overview of AI implementation in finance, insurance, and financial controlling, highlighting crucial issues in that process and identifying the relationship between the development of these economic sectors and AI. The authors’ team identifies the trends and main themes in the existing literature in AI-related publications in finance, insurance, and financial control. We discuss the main advantages and disadvantages of AI implementation, identified by our research, and also make some suggestions regarding future research having in mind the interdisciplinary of the topic, the vast development of AI and technologies, and the increasing demand for AI-based solutions, services and products.

The negative demographic trend over the last more than two decades in the Republic of Bulgaria raises the question of the reasons for the falling birth rate in the country. Some of these reasons led to the negative natural growth are purely negative. Some couples give up the opportunity for second and following children due to the fact that, growing them is related to newly created additional, often significant family budget expenses. An alternative to overcome the situation concerning the demographic decline in the country is the use of economic incentives to young families for child's birth and childcare. Payments to which parents are entitled under the social security system (in case they are insured persons) and the social assistance system (in case they are uninsured persons) unfortunately are of small size that does not allow full satisfaction of newly emerging needs. In the process of clarifying this type of payment, it is logical to conclude that it is necessary to develop the potential of additional activities such as insurance.

According to the World Bank 1.5% of the Bulgarian population lives below $1.90 per day. For a population of Bulgaria as of 31st December 2014, comprising 7 202 198 people, this share covers approximately 108 032 people. At the same time, in relation to the implementation of social assistance activities, according to the Social Assistance Act (SAA) and the Regulation on the Implementation of the Social Assistance Act (RISAA), from the begging of 2014 until the end of December of the same year under the Regulation on the Implementation of the Social Assistance Act with one-of, targeted and monthly social benefits in the country, a total of 63 932 persons and families were supported. This fact demonstrates an alarming trend in particular that not a small number of people remain out of the coverage of the publicly organized social assistance system – approximately 44 100 people, who are not eligible for social benefits for various reasons. All this gives us reason to look for alternative solutions to improve social protection, especially to those being absolutely poor in our country. One of these alternatives, which is widespread in the world and unfortunately almost unknown in our country, is microinsurance. The latter has the potential to increase the social security of those who are in extreme poverty and to expand the activity of the insurance companies in Bulgaria.

In the world practice there is interweaving of various economic activities, including activities in the field of banking and insurance. This fact inevitably raises the question of the relationship and interaction between the insurance companies and the commercial banks. An example of this collaboration over the last three decades is the so-called “bancassurance”. Its main purpose is the possibility of distributing insurance services by the use of the banking network by the insurance companies. In this study an attempt has been made to present the practice of applying bancassurance in Bulgaria and the benefits for customers, commercial banks and insurance companies are derived.