The financial sector includes insurance business, which is a crucial part of the infrastructure in a modern economy. There are different parts to protect within the financial sector which is the reason for a comprehensive inspection. History shows several examples of disasters a mismanaged financial sector can bring. This also affects the society and stability over all. The inspection is conducted by the Swedish inspection of finance, which ensures that the insurance companies follow the law for its practice.

Swedish contract law is based on the main principle of freedom of contract, which means that a contract is built on a voluntary agreement of both parties. There are exceptions from the principle of freedom of contract. In some instances a party is obliged to contract (kontraheringsplikt), which also is the subject for this paper. Kontraheringsplikt can be described as an obligation for one of the parts in a relation to come to an agreement under normal circumstances with everyone who ask for it. The cases of kontraheringsplikt are rather different.

Background: The Swedish life-insurance business has been extensively criticised lately due to broken promises to customers as well as due to scandals that some companies within the business have been involved in. The companies within the Swedish life-insurance business find themselves in a so- called crisis of confidence, something that is created in and by media. A company that finds itself in a crisis of confidence somehow have to manage the situation and crises of confidence can also result in different kinds of changes. Purpose: The aim of this thesis is to explore and analyse how individual life- insurance companies manage crises of confidence. As a consequence, the aim is also to investigate in what way crises of confidence are initiators to change.

Background: The Swedish life-insurance business has been extensively criticised lately due to broken promises to customers as well as due to scandals that some companies within the business have been involved in. The companies within the Swedish life-insurance business find themselves in a so- called crisis of confidence, something that is created in and by media. A company that finds itself in a crisis of confidence somehow have to manage the situation and crises of confidence can also result in different kinds of changes. Purpose: The aim of this thesis is to explore and analyse how individual life- insurance companies manage crises of confidence. As a consequence, the aim is also to investigate in what way crises of confidence are initiators to change.

This is an examination of the Swedish unemployment insurance system and the effects it has on the Swedish long-term unemployment. A search model is explained to give an understanding to the incentives of the unemployed. Different mechanisms that create unemployment and that could create long-term unemployment are investigated, but primarily the unemployment insurance is in focus.The Swedish unemployment insurance has undergone several changes the last fifteen years that have improved its efficiency. The introduction of a finite duration of unemployment insurance entitlement was an important step and so was the decrease in the replacement ratio. Even so, I assess that there is still room for improvements of the incentives to search for work among the unemployed.

In Sweden there is no legal regulation for the obligations and responsibilities between the contracting parties within the construction, civil engineering and installation sector. To clarify uncertainties regarding the liability, actors from theses sectors have agreed upon a voluntary regulation, called the General Conditions of Contract.When insurance companies want to enter the Swedish construction insurance market, they face a regulatory framework that not only regulates the construction market, it also imposes requirements on terms and conditions that must be included in the construction insurance. These terms are perceived as ambiguities and create difficulties and inhibit the ability for these insurance companies to offer competitive insurances. One of the terms that create these difficulties is the guarantee period, which is period of time starting from handing over the construction project to the employer, during this period the contractor still has the responsibility for the construction project. The guarantee period regulated by the General Condition of Contracts differs from the international use of the term both in length and in content.

This thesis treats the information the insurance company is going to give the policyholders just before the insurance is to be concluded and soon thereafter. The purpose for the essay is to investigate whether the mentioned information can be considered to meet the purpose referred to its establishment. The investigation will also show if the penalty for not upholding this obligation is reasonable in relation to the aim the duty to inform the policyholders is meant to uphold.Information to be provided before the contract is concluded should facilitate the choice of insurance. The information to be given to the policyholders as soon as possible after the contract is concluded should be given as a form of confirmation and information on conditions that has not been stated before. The purposes that have been mentioned is for both the information to consumers and companies.The conclusion that can be made after the analysis is that the information is of great importance for the policyholder, both for consumers and companies.

Farmers are constantly facing changes, and the exposure to risk requires monitoring these changes. Financial risks, institutional risks, market risks and production risks are the different risk categories that the farmers face. Production risks stems from factors the farmer cannot affect or is beyond his control. The crop?s output is the basis for the primary income of agricultural operations, which is why it is important for farmer to manage their production risk. A tool to reduce the consequences of production risks is crop insurance.

Our starting point has been to examine how a project manager without knowledge of the industry is able to plan a project. And also which difficulties that may arise. A qualitative study was conducted at project managers who worked in the construction industry and events industry. Seven interviews were conducted, four in the construction sector and three in the events industry. Respondents are active as project manager in Värmland and Närkes counties.

The telecom and the IT-industry are converging, which creates new possibilities and threats for both existing mobile handset vendors and new entrants originating from the IT-industry. The purpose of this thesis is to explain how IT-players? entrance in the mobile handset industry affects the industry in regards of key success factors and value chain structure. This study has used dynamic theories to describe the mobile handset industry. The theories have helped us in understanding the characteristics and drivers of the industry and thereafter to identify the key success factors.

The aim of this thesis is to investigate the correlation between the price of electric power and investments within the Swedish basic industry. Using regression analysis, the authors test for correlation between the electricity prices and the basic industry, defined as the pulp and paper industry, the mining industry, the steel and metal industry and the basic chemical industry. Moreover, five variables found in the literature on investment decisions are being used as a means of comparison. The results suggest that the electricity price affects the investment decisions within the basic chemical industry as well as the steel and metal industry. On a more abstract level, this thesis contributes to the understanding of one of the properties of the Swedish GDP..

Syftet med uppsatsen är att beskriva Financial Statements Insurance och diskutera om en användning av modellen skulle innebära någon förbättring beträffande dels förtroendet för de finansiella rapporterna, dels säkerställandet av revisorns oberoende. Som helhet har vi genomfört en kvalitativ undersökning. Vår undersökning innehåller emellertid. Den första delen är en undersökning av befintlig litteratur Den andra delen, den kvalitativa, består av intervjuer genomförda med representanter i de branscher vi anser vara relevanta för vår undersökning. Genom analys av undersökningen har det framkommit att Financial Statements Insurance inte har något användningsområde i realiteten.

Corporate Social ResponsibilityThis thesis intends to exam the strategic use of Corporate Social Responsibility within fifthteen different companies, classified/divided into three various industries. The aim is to compare the three different industries, to look for disparities and similarities in their use of CSR. The disseration looks into both variance and resemblance in the use of Corporate Social Responsibility between the companies within the same branch of trade and between the industries.The industries of intrestThe three industries that the study has focus on is consumer, manufacturing and service related industries. Where the consumer industry is classified as companies with direct sales towards private consumers, the physical citizen. The manufacturing industry is classified as companies that manufacture products but that does´nt sell their products directly to the regular consumer.

The public administration and its officials have a number of values which they have to relate to in their work. The values are a set of democratic and economic values.This study?s purpose is to examine how the officials at the National Insurance Office in Sweden give priority to these values. The study is performed by interviews with officials at two insurance offices.The study shows that the officials in a high degree value the democratic values legal security and public ethics. In turn they experience that productivity, which is an economic value, is being promoted in a high degree from the management.

Two different claim relations arises with a damage covered by a liability insurance. The first claim relation is of course the one between the claimant and the liable as a claim for damages. The other claim relation arises between the liable in his capacity of insured and his insurer as a claim for compensation under the liability insurance. There is a tight connection between the two claim relations because of the fact that it is the claimant?s claim for damages that gives rise to the claim for insurance compensation.