Resumen
Business activity is exposed to market and individual threats of significant importance for its development. Responsible entrepreneurs should take actions focused on minimizing the impact of risk on the functioning of the organization and achieving market successes. Pilot studies confirmed the preferences of transport sector enterprises to limit potential risks at every stage of their operations. One of the solutions in risk management is its transfer to the insurer. The purpose of the presented article is to identify the most important problems related to risk in a selected transport company as a basis for preparing an insurance program ensuring optimal protection. For its implementation, an analysis of the business conditions of the audited entity was conducted, identification and analysis of possible risk was made, and scenarios of optimal protection were implemented through the application of a special risk management mechanism and its transfer to the insurer. The study is a contribution to selected issues and an attempt to present the results of the conducted research at the stage of creating a long-term offer of the insurance program as the protection of the enterprise against risk. The choice of the subject of research was intentional, as the entities providing TSL services are strongly threatened by the occurrence of risk in their operations.