Insurance Markets and Companies

ISSN 2616-3551 (print), 2522-9591 (online)
Issued from May 2010
Publisher LLC “Consulting Publishing Company “Business Perspectives”
Founder LLC “Consulting Publishing Company “Business Perspectives”
Insurance Markets and Companies

Since 2017, Journal supports Open Access and the frequency is annual.

The journal "Insurance Markets and Companies: Analyses and Actuarial Computations" changed the title to "Insurance Markets and Companies" in 2017.

The journal publishes the results of scientific researches, focused on contemporary issues in the sphere of insurance, such as modern trends of global and local insurance markets development, insurance companies’ activities at the financial market, existing and innovative approaches in risk management, financial instruments and derivatives, etc. The privilege of publication is given to the original, conceptually new and innovative manuscripts, which combine both theoretical aspects and practical approaches, such as insurance statistics and insurance mathematics. The target audience of the journal includes researchers, scholars, lecturers, students, and practitioners. It is published in Ukraine.

Key topics:

  • Contemporary trends of insurance markets development;
  • Financial solvency of the insurance companies;
  • Statistical investigations of insurance market;
  • Insurance statistics methodology;
  • Demographic statistics in insurance;
  • Actuarial computations methodology;
  • Underwriting of insurance risks;
  • Actuarial computations in risky types of insurance;
  • Actuarial computations in life insurance;
  • Actuarial computations in retirement insurance;
  • Financial management of insurance investment funds;
  • Insurance risks and Solvency II;
  • Reinsurance of risks;
  • Insurance companies and financial intermediaries;
  • Financial risks management and hedging;
  • Financial tools and derivatives.

Subject Area – Economics, Econometrics and Finance. Subject Category – Economics and Econometrics; Finance.

Subject Area – Business, Management and Accounting. Subject Category – Business and International Management; Management of Technology and Innovation; Marketing; Organizational Behavior and Human Resource Management.

Submission guidelines

Please send a manuscript and filled Cover letter form to:
Editorial Assistant -

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Open Access Statement

Journal is committed to full open access for scholarly publications. All articles are available to all users immediately upon publication (without registration on the site and embargo period).

By "open access" to this [research] literature, we mean its free availability on the public internet, permitting any users to read, download, copy, distribute, print, search, or link to the full texts of these articles, crawl them for indexing, pass them as data to software, or use them for any other lawful purpose, without financial, legal, or technical barriers other than those inseparable from gaining access to the internet itself. The only constraint on reproduction and distribution and the only role for copyright in this domain should be to give authors control over the integrity of their work and the right to be properly acknowledged and cited. (Source: http://www.budapestopenaccessinitiative.org/boai15-1)

Benefits of the open access are: increased citation and usage; rapid publication; faster impact with permissive licenses; copyright retention by the author.
Authors can choose either of Creative Commons licenses (CC-BY 4.0 or CC-BY-NC 4.0). Find detailed information in the Copyright section.

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Editors

Montserrat Guillen

Chair Professor, Departament d'Econometria, Estadística i Economia Espanyola, RFA-IREA, Universitat de Barcelona, Spain.

Roger J.A. Laeven

Full Professor (Chair of Risk and Insurance), Department of Quantitative Economics, University of Amsterdam, the Netherlands.

Victor Trynchuk

Ph.D., Associate Professor, Head of Department of Insurance Institute of Postgraduate Education and Business, Kyiv, Ukraine.

Editorial Board

Yiannis Anagnostopoulos

Dr., Senior Lecturer, Accounting and Finance, Kingston Business School, UK.

Emmanuel Anoruo

Ph.D., Chair and Professor of Economics and Finance, Department of Accounting, Managerial Economics and Finance, Coppin State University, USA.

Galina Azarenkova

Doctor of Economics, Professor, Head of the Department of Finance, Banking and Insurance, Kharkiv Educational and Scientific Institute of SHEI “Banking University”, Ukraine.

Etti G. Baranoff

Ph.D., FLMI, Associate Professor of Insurance, Risk Management and Finance, Virginia Commonwealth University, Richmond, Virginia USA.

Dongmei Chen

Dr., Associate Prof. & Chair, Department of Insurance, Fudan University, Shanghai, China.

Yiqing Chen

Dr., Associate Professor of Actuarial Science, Robert W. Stein Professor of Enterprise Risk Management, College of Business and Public Administration, Drake University, USA.

Yueyun (Bill) Chen

Professor of Business Administration, Chief Financial Officer, Assistant Dean of Academic Assessment, University of the West, USA.

Lukasz Delong

Assistant Professor, Division of Probabilistic Methods, Warsaw School of Economics, Institute of Econometrics, Poland.

Runhuan Feng

Associate Professor, Department of Mathematics, University of Illinois at Urbana-Champaign, Director of Actuarial Science Program, USA.

Olga Gamankova

Doctor of Economics, Professor, Head of the Department of Insurance, Director of the Insurance Institute of SHEЕ Kyiv “National Economic University named after Vadym Hetman”, Ukraine.

Simon Grima

Dr., B.Com.(Hons)(Melit.), M.Sc.(Lond.), M.Sc.(B.C.U.), Ph.D.(Melit.), Senior Lecturer, Insurance Faculty of Economics, Management & Accountancy, University of Malta, Malta.

Jim Gustafsson

Ph.D., Ernst & Young Partner, Nordic Data & Analytics Leader, Denmark.

Irena Jindrichovska

Head of department of Business Economics, University of Economics and Management, Czech Republic.

Mary Kelly

Chair of Insurance, Associate Professor Finance and Insurance, School of Business and Economics, Wilfrid Laurier University, Canada.

Michael Kennedy

Head of Department of Accounting and Finance; Departmental Research Leader, University of Bedfordshire, UK.

Dimitrios G. Konstantinides

Ph.D., Associate Professor, Department of Statistics and Actuarial-Financial Mathematics, University of the Aegean, Greece.

Joan Lawla

Head of School, School of Business Administration, University of Technology, Jamaica.

Shuanming Li

Assoc. Prof., Centre for Actuarial Studies, Department of Economics, The University of Melbourne, Australia.

Ahmed El-Masry

Ph.D., Associate Professor of Finance, Fellow of the Higher Education Academy, Plymouth Business School, UK.

Liudmyla Nechyporuk

Ph.D., Professors, Doctors of Economic Sciences, The Department of Economic Theory,Yaroslav Mudryi National Law University, Ukraine.

Viktor Oliinyk

Doctor of Economics, Associate Professor, Professor of the Department of Economic Cybernetics, Sumy State University, Sumy, Ukraine.

Rahul A. Parsa

Ph.D., Fellow of Des Moines Programs, Department of Finance, Iowa State University, USA.

Christopher Parsons

Professor in Insurance, Cass Business School, UK.

Lawrence S. Powell

Ph.D., Director, Alabama Center for Insurance Information and Research, University of Alabama, USA.

Ruilin Tian

Ph.D. in Risk Management & Insurance, Associate Professor of Finance, Department of Accounting, Finance and Information Systems, College of Business, North Dakota State University, USA.

Nataliia Tkachenko

Doctor of Economic Sciences, Professor, Institute of Continuing Education Taras Shevchenko National University of Kyiv, Ukraine.

Natalia Vygovska

Doctor of Economics, Professor, Department of Finance and Credit, Zhytomyr State Technological University, Ukraine.

Alex Zaletov

Ph.D., Docent, Member of National Commission for the State Regulation of Financial Services Markets, Ukraine.

The editorial assistant will inform you when you can pay Article Processing Charge (APC) and will provide with all instructions (the payment can be made only in case of acceptanсe for publication, for open access articles).

The Limited Liability Company “Consulting Publishing Company “Business Perspectives” - publisher of "Insurance Markets and Companies" Journal follows Principles of Transparency and Best Practice in Scholarly Publishing

Guidelines for editors and reviewers

Peer review

Conflicts of interest

Research misconduct policies

Correction and retraction policy

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All manuscripts that are being sent for an external peer review, are screened for originality. By submitting their manuscripts to the journal authors are agreeing to any necessary originality checks the manuscript may have to undergo during the publication process.

The Publishing Company "Business Perspectives" advocates adherence to the principles of ethics and integrity of science, which is why it has chosen a reliable partner in ensuring the scientific publications quality and has concluded a cooperation agreement with Unicheck.

The service was created by Ukrainian developers in 2014 and is actively functioning at academic institutions, universities, publishing houses, etc. in Ukraine, Belgium, the USA and other countries of the world.

Clear and manageable reporting data (search and ability to take properly cited sentences and list of references); colorizing all text similarities and generating a list of links to original sources; automatic determining the characters and letters replacement in the text, as well as the reverse automatic substitution into the text of the correct ones and search for a modified version plagiarism; one-page test rate is 2-4 seconds; possibility of simultaneous check up as much as 100 works; support for 18 file formats; and multilingualism (56 languages) are the service advantages. Thanks to the detailed reports generated by Unicheck, the evaluating each work gets much simpler and faster.

Besides the Ukrainian software, manuscripts are additionally tested using the powerful Similarity Check service initiated by the PILA publishers association and embedded in CrossRef international scientific and research information register. This service is developed for publishers to prevent scientific and professional plagiarism; it consists of Similarity Check and the iThenticate tool, which compares the author's work with the database contents and shows similarities or similar text for further review of the academic paper.

Plagiarism implies the use another author's work without permission or acknowledgement. Plagiarism may have different forms from copying word by word to rewriting. While defining plagiarism the following definitions are taken into account:

Literal copying
Copying the work word by word, in general or in parts, without permission or acknowledgement of the source. Literal copying is clearly plagiarism and is easily detected by plagiarism software.

Substantial copying
Replicating substantial part of the work without permission and confirmation of the source. In determining what is "substantial", both the quantity and the quality of the copied content are relevant. Quality is measured by relative value of copied text comparing to the whole text. Where the essence of the work was copied, even not very big part of it, plagiarism is identified.

Paraphrasing
Copying may be made without literal replicating, used in the original work. This type of copying is known as paraphrasing and it may be the most difficult type of plagiarism to reveal.
Plagiarism in all its forms is unacceptable and will lead to immediate rejection of the paper along with possible sanctions against authors.

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The journal “Insurance Markets and Companies: Analyses and Actuarial Computations” ISSN (print) 2078-2454, ISSN (online) 2078-2462 was founded by LLC “CPC “Business Perspectives” (Sumy, Ukraine) in 2010 and registered by Ministry of Justice of Ukraine (No. КВ 22091-11991Р from May 05, 2016). The journal was published quarterly in Sumy, Ukraine. Beginning March 2017, the journal started to support open-access (hybrid).

Starting October 2017, the journal changed the title to “Insurance Markets and Companies”, current ISSN 2522-9591 (online). The journal became open-access and is issued by LLC “CPC “Business Perspectives” (Sumy, Ukraine) with annual frequency. All articles are available to all users immediately upon publication (without registration on the site and embargo period).  

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To contact the Editorial office:
phone: +38-063-2891070
e-mail:

Questions concerning manuscript (submission, status, publishing....):

Editors of the Journal “Insurance Markets and Companies”:
Montserrat Guillen (Chair Professor, Departament d'Econometria, Estadística i Economia Espanyola, RFA-IREA, Universitat de Barcelona, Spain)
Roger J.A. Laeven (Full Professor (Chair of Risk and Insurance), Department of Quantitative Economics, University of Amsterdam, the Netherlands)
Victor Trynchuk (Ph.D., Associate Professor, Head of Department of Insurance Institute of Postgraduate Education and Business, Kyiv, Ukraine)

To contact the Publisher:
phone/fax: +38 (0542) 221707
postal address: Hryhorii Skovoroda lane, 10, Sumy 40022, Ukraine

Technical/site support please contact:

Information for subscription agencies and subscribers:

If you would like to make a complaint please contact:

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Structure of the Paper and Manuscript Submission Guidelines

Before submission to the editorial staff of the journal, please check Research Misconduct Policies, infringement of which will result in immediate rejection of the manuscript and possible sanctions against the author.
The authors are strongly recommended to read the “Guidelines for Authors and Translators of Scientific Articles to be Published in English” at the website of The European Association of Science Editors (EASE) http://www.ease.org.uk/publications/author-guidelines-authors-and-translators/, which guides our work.
Make sure that the manuscript presents an academic value, significance of research, as well as that its originality and practical significance are well described; the manuscript makes a contribution to earlier researches concerning the topic.

The author should attentively read the manuscript submission guidelines. These guidelines are not so rigid that even the slightest deviation from them will result in the refusal of the manuscript. However, we ask the authors to do their best to meet them, as it will provide the quality of their materials and will make it easier for the editorial staff to set the manuscript for publication.

Please define the type of the manuscript of four possible variants and adhere to both the general guidelines and the recommendations, which are specific for the type of the chosen manuscript.

The following types of manuscripts can be submitted to the journal:

  • original scientific paper, which is a final report on the finished original experimental study;
  • theoretical paper, which is devoted to theoretical study of the problem, which complies with the journal’s scope;
  • review paper, which is a study of concrete scientific problem, which complies with the journal’s scope and is conducted based on the materials of the scientific publications;
  • short communication paper on the event (conference, seminar, exhibition, issue of the important monograph), which complies with the journal’s scope.

The manuscript should be sent to the editorial staff of the journal via e-mail together with the filled and signed Cover letter form. Please, try hard to send a paper with good level of English. Well-written manuscripts will let editors and reviewers concentrate on their academic value.

Structure of the Paper

The presentation of the material in the manuscript should be built on the principle “from the general to the particular”.

The structure of research paper should consist of the following sections (it does not exclude the presence of additional subsections) and comply with the international standard АIMRaD (Abstract, Introduction, Methods, Results, and Discussion).

Theoretical paper – АIТвRaD (Abstract, Introduction, Theoretical Basis, Results, and Discussion).

Review paper – Abstract, Introduction, Literature review, generalization of the main statements and Discussion.

Short communication paper is structured by the author in his own, but with compulsory reference to the date and place of the event. However, it does not include a big list of references and supplementary materials.

Title
The title of the paper should fully reflect the topic of the research and its content. It must be short and concrete (not more than 15 words). Besides it should catch the reader’s interest and it should be written using the scientific style. It is appropriate to point the object of research or concretize it using the colon or the brackets. It is not recommended to use contractions, but if used, then only for the commonly known ones.

Author (authors)
Here the name (first name and last name) of the author (authors) (Byline?) must be written. Those authors who use the patronymic or middle name should write only the first. The authors whose names are written in the Cyrillic alphabet must transliterate them correctly. Those who need the transliteration can use the websites http://translit.net/ua/ or http://translit.net/ru/.
After the names of the authors, there should be written their academic degree and academic rank, places of work (university, academic institution, etc. or the organization to which they belong) (Affiliation), city and country. If the name of city or country is already used as author's affiliation still both the city and the country should be indicated. The name of the organization or the institution must be indicated, separated by the comma in the nominative case and this name must be full, without contractions and abbreviations. Also the authors should indicate their e-mails.
If there are several authors, they make a decision themselves concerning the order of their mentioning in the title of the paper (recommended variant – depending on the contribution to the research). The list of authors includes only those persons who have really taken part in the research and agreed to bear full responsibility for its content. Research funding or taking part in paying the article processing charge is not a prerequisite for being included in the list of co-authors. While forming the list of the authors, a special attention should be paid to the COPE (Committee on Publication Ethics) principles.

In order to bring the academic degrees, academic ranks and occupations, which are used in some emerging economies or the developing countries, in line with the international standards, the corresponding table should be used ENGLISH EQUIVALENTS FOR ACADEMIC RANKS, DEGREES AND JOB TITLES.

Abstract
It should be written using the following algorithm: first two or three sentences indicate the relevance of the topic; the aim and object of the study; the methodology (methods) of the study (for theoretical studies – its theoretical basis) are described; the obtained results and their practical value are characterized. At the same time, every statement must follow logically from the previous one. In the abstract for a research paper, it is recommended to use the numerical results. In the abstract of a review paper, the author can only point the issues discussed, without presenting the results. While writing the abstract, it is necessary to use the active voice instead of the passive voice, and such words as “thus”, “for instance”, “as a result”, etc. In the abstract, the author should not refer to any researches or other sources of information. The abstract should be written without subsections and without subtitles, i.e., is not structured. The text should be concise and original. It is not appropriate to use the sentences in the Abstract from the text of the paper. At the same time, the material which is absent in the paper cannot be presented in the Abstract. In the Abstract, the author should not refer to any sources, use tables and figures. The number of words must be in average 150-250.

Кeywords
The purpose of keywords is to provide the insight to the reader into the contents of the paper. They should reflect the area of the research. The number of keywords should be 5-10 in average. There should not be the sentences, but the words or word groups. If the object of the study is not mentioned in the title of the paper (including the country, the region), it should be added to the list of keywords. There is no need to replicate words from the title of the paper.

JEL Classification
If earlier the author was not aware of this classification system, he/she should attentively look through it in order to have a common understanding of all the areas defined in it http://www.aeaweb.org/jel/jel_class_system.php. The codes, indicated by the author should clearly reflect the research area. The author is welcome to use the codes from two or three areas, if they are covered in the research.

Introduction
Both scientific issues and the relevance of the research should be substantiated and explained in the introduction. Also a problem statement should be pointed out. The introduction should not be long, the author should avoid using tables and figures.

Literature Review
Literature review provides an analysis and generalization of relevant works (papers, monographs, reports, theses, etc.), which describe the essence of the problem and/or give an understanding on the previous efforts to solve it. The Literature Review should comply with the aim of the research (“fitness for purpose”) and represent the results of critical analysis of the analytical base for testing the research hypothesis.
Literature review must not be limited only by works, which were published in the country where the author lives and works (the problem should be studied globally). Particularly it concerns the authors from non-English speaking countries (they are recommended to thoroughly analyze the works published in English).
If appropriate, normative legal acts are also analyzed.
Only those sources are given and analyzed in the paper, which really are valuable for the author’s research. The author cannot just make long lists of authors and their works, which are related to the investigated issues. The author cannot take the pieces of review text from other works with reference to other authors and include their works in the list of references. When citing, the author is obliged to observe ethical and moral principles.
While making literature review, the author can use own publications and refer to them, but only in order to describe the problem, but not to increase the citation level.
It is recommended to finish the literature review with the presentation of unsolved issues, identification of contradictions in the results and findings of the previous researches, justification of the need to continue the studies in this area and choice of the specific topic (direction) of this study.
In the literature review and throughout the text of the paper as a whole, references to the sources are made in compliance with Reference list and citation style guide or refer to APA formatting and style guide (American Psychological Association).

Aims
The aim describes main results in a short and concrete manner (in one sentence), the achievement of which is the purpose of the research. Here can also be mentioned several intermediate problems, the solution of which will ensure that the aim is achieved. The aim should not replicate the title of the manuscript.

Methods
The methods (methodology) of the study are indicated in this section (commonly known), which author uses in the research, and/or the methodology offered by the author himself is described in a short and concrete manner. If methods and procedures offered are used in other works, the author should refer to the original sources.
In this subsection of the theoretical paper the theoretical basis of the research should be described, theories, perspectives, formulae, equations should be presented.
If commonly known statistic procedures are used in the paper, the author should not describe their essence, it is sufficient just to point them.

Results
Here empirical or theoretical data obtained in the process of the research are given. It is recommended to use figures, tables, graphs, schemes. The interpretation of the obtained results is not made in this section. Also there should not be presented the results, which were earlier obtained by the authors or other scientists.

Discussion
Here the interpretation of the results obtained during the research is made. A comparison is made with the results obtained by other researchers.

Conclusion
In this section the main ideas of the manuscript are presented, the obtained results and their novelty are demonstrated. The possibility of practical use of the obtained results should be outlined and the directions for further scientific research should be offered.

Acknowledgements
In this subsection, the relevant scientific programs, grants, scholarships, contracts are indicated.
The author can also mention the persons or organizations, which helped him in conducting the research (access to information, organization of the survey, interview, etc.) and preparation of the paper (advice at the stage of writing, critical remarks, help in calculations, etc.).

References
The list of references must be made in the alphabetical order. While indicating the source, which was analyzed in the source language (not in English), it should be indicated first in the source language, then the transliteration should be made in brackets. It is recommended that it should be done with the transliteration for English-speaking systems (it is better to use transliteration of the system British Standards Institution.
Download “Business Perspectives” Reference list and citation style guide or refer to APA formatting and style guide.
Transliteration from Ukrainian can be made with the help of Ukrainian transliteration and the website http://translit.net/ua/, from Russian – with the help of Russian transliteration, from several other languages, which use the Cyrillic alphabet, with the help of the website http://translit.net/ru/.

Supplementary Materials
The supplementary materials are the big size figures, tables, graphs, schemes, photographs, etc., which are referred to throughout the text of the paper.

Paper Submission Guidelines
The number of words in the paper may vary from 4000 to 6000 (for short communication paper – from 1000 to 2000).Considering the issue concerning the calculation of the number of words in the paper, the information about the authors, title, abstract and keywords, list of references and appendices should not be included. The number of sources, in the list of references, should not exceed 50. Supplementary materials should not exceed 5 pages. Note, that the paper should be submitted in the format Microsoft Word or compatible (.DOC, .DOCX).
Tables, schemes, figures, photographs of other authors should not be used in the text of the paper without their written permission.

The presentation of the text in the paper must comply with the Manuscript Submission Guidelines.

Publishing process

Submission process
To submit a paper, please send two copies of manuscript, one in MS Word format (.doc or .docx) and one in PDF, and completed Cover letter form attached to an e-mail to the editorial assistant.
Make sure that all supplementary materials (tables, figures, equations, and images) are editable. In case the editorial assistant asks to send editable elements, please do it as soon as possible to make the reviewing process faster. To prepare your paper for submission, please read Submission Guidelines.

Infringement of Research Misconduct Policies will result in paper rejection and possible sanctions against authors.

Review process
All papers are "double-blind" peer-reviewed. Detailed information can be found in Peer Review section.

All authors receive reviewer’s comments immediately after the manuscript had been reviewed. The authors have the opportunity to request a Referee Report, which they receive without revealing the identity of the reviewer and can appeal against editorial decisions responding to the referees with authors’ arguments and explanations.

Article Processing Charges (APC)
APC are paid by the authors in order for their articles to be published in open-access under one of Creative Commons licenses. APC cover the costs of publication process, including peer-review administrating, copy editing, hosting the files etc. APC is different for each journal; the detailed information can be found here.

Proofreading
After the paper is typeset, the publisher will provide the authors of accepted papers with proofs for the correction of errors. Only changes to the title of the paper, list of authors or scientific errors will be considered and further approved by the publishing team. The publisher is not responsible for the errors which are the results of authors' oversight. We reserve the right to make the final decision regarding style and the size of figures.

Personal Information Use and Protection

Provided personal information:

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Publisher may use authors’ personal information to:

  • maintain the terms of copyright;
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We may share authors’ information with appropriate agents, representatives, mutual establishments and organizations, we are agents or sponsors to. This information may be shared only for appropriate reasons, which may be important for us in business matters or according to our legal obligations.

LLC “CPC “Business Perspectives” takes all necessary precautionary measures to protect your personal information from theft, abuse, unauthorized access, disclosure, change, and distraction with the help of appropriate administrative, physical, and technical measures in providing security.

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Copyright

LLC “CPC "Business Perspectives” protects your rights as an author and guarantees that any juridical information and questions regarding author’s right will be regulated.

Author's rights
Author's rights to the contents of the article are determined by whether the article is published in open access or as a subscription article.

Subscription articles
Full and exclusive publishing rights and full copyright to the article belong to the publisher.

Open-access articles
Authors whose articles are published in open-access retain copyright to the content of the articles. The publisher is granted the right to make the first publication of the article. Open access articles can be published under one of the following Creative Commons licenses by the author's choice (remember that licenses are irrevocable).

Creative Commons Attribution (CC BY) 4.0: allows content to be copied, adapted, displayed, distributed, re-published or otherwise re-used for any purpose including for adaptation and commercial use provided the content is attributed.

Creative Commons Attribution-NonCommercial (CC BY-NC) 4.0: allows content to be copied, adapted, displayed, distributed, republished or otherwise re-used provided the purpose of these activities is not for commercial use and the content is attributed. Commercial use means use of the content by a commercial organization or individual for direct or indirect gain or remuneration.

Permissions/Reprints

Permissions
If the article is published in open-access under CC BY 4.0 or CC BY-NC 4.0 licenses, users may reproduce it in accordance with their terms.

Additionally, if the article had been published under CC BY-NC 4.0, the use for the following commercial purposes requires permission:

  • reproduction of content in a work or product intended for sale;
  • reproduction in presentations, brochures or other marketing materials used for commercial purposes;
  • distribution of the content to promote or market a person, product, course, service or organization;
  • text and data mining for the purpose of creating a saleable product or product which benefits from promotional or advertising revenue;
  • use of the content by a commercial entity or individual for the purposes of remuneration, directly or indirectly through sale, licensing, promotion or advertising;
  • linking to the content (in an email, webpage, portable electronic device or otherwise) for the specific purpose of marketing or advertising a person, product, course, service or organization for commercial benefit.

If the published article is available to subscribers only, the author can use the materials of the paper in theses or dissertation, articles may be presented as a presentation, copies of the article may be used by their colleagues in researches, authors can make print or electronic copies for personal use. Thus, authors can reproduce their own work without applying for permission. We only ask for final acknowledgement of first publication and a link to the definite published version.

For further details and permission requests, please contact

Reprints
If the published article is available to subscribers only, then, for it to be re-printed (reproduced), the author should contact the Publisher and get the corresponding permission. Define the aim of reprint, fill Reprint Permission Form and e-mail it to LLC "CPC "Business Perspectives". All other users should complete the Reprint Permission Form or contact our staff for full details of their reproduction requirements and full reference:

  • Article title
  • Author(s)
  • Journal title
  • Journal volume, issue and year
  • How you wish to use the article

We aim to respond to permissions requests whenever possible within 10 working days.

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Editorial Board members and reviewers constantly work on increasing the efficiency of manuscripts evaluation and selection of the papers that present extreme importance to the scientific field. In this respect, there are factors that result in a rejection of a significant share of papers submitted for publication. The reasons for rejection can be different. Main reasons are listed in Peer Review and Research Misconduct Policies.

LLC “CPC “Business Perspectives” emphasizes that in no case place of work or country of residence of the scientist, his racial or religious affiliation can be the reason for rejection.

In this respect, we ask the authors to pay attention to necessity of observing publication ethics principles. Submitted manuscripts should be relevant in content and comply with the aim, tasks and specialization of the journal.

The language of the manuscript should be professional, and the format should comply with the standards given. Weak English and incompliance with the format standards will not obligatorily lead to rejection, but can delay paper acceptance until the author makes the amendments. The acceptance rate for the journal is calculated as a number of manuscripts accepted for publication compared with total number of manuscripts submitted in one year.

This rate demonstrates gradual and steady decrease. By now, it is 30%.

To have a clear vision about period of consideration and process of review of your paper, authors can always contact the editorial assistant. Period of paper consideration is not fixed and can be changed depending on different factors, but our employees will keep you informed about the status of the publishing process.

The average time it takes to make a publication decision after receipt of submitted manuscript is 72 days.

Number of articles published in “Insurance Markets and Companies” journal:

2010 – 31
2011 – 27
2012 – 11
2013 – 10
2014 – 10
2015 – 10
2016 – 5
2017 – 6

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The author may deposit pre-print version of the paper (manuscript by the author, submitted to the journal, before peer-review and without any editorial amendments) to any platform anytime with acknowledgement to the Publisher and the Journal (acknowledgement should be made as follows: "This is a pre-peer-reviewed version of the paper submitted for publication to [name of the Journal] published by LLC "CPC "Business Perspectives").

The author may deposit post-print version of the paper (accepted version of the manuscript after peer-review and content amendments, but before copyediting, typesetting and proof correction) to the author's personal website, provided that it is non-commercial, and to the repository of the author's institution, provided that it will not be made publicly available (if the article is published in paid open access, it can be made publicly available immediately upon publication) , with acknowledgement of the Publisher and the Journal (acknowledgement should be made as follows: "This is an accepted peer-reviewed version of the paper. The published version of the article is available at LLC "CPC "Business Perspectives" at http://dx.doi.org/[DOI of the article]").

Published version of a subscription article
The author may not deposit published version of the paper (final edited and typeset version that is made publicly available by the Publisher and can be considered an article) to any institutional repository or make it publicly available in any way, except sharing it within the private groups inside their institutions.

Published version of an open-access article
The Author may deposit published version of the paper (final edited and typeset version that is made publicly available by the Publisher and can be considered an article) to any institutional repository, and distribute and make it publicly available in any way with acknowledgement to the Publisher and the Journal (acknowledgement should be made as follows: "This is a published version of the paper, available at LLC "CPC "Business Perspectives" at http://dx.doi.org/[DOI of the article]").

 

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The APC (Article processing charge) is paid once, only if the manuscript is accepted for publication after being peer reviewed (Business Perspectives does not use submission or review charges).

The article processing charge (APC) ensures the full immediate access to the article on the publisher’s website (without registration on the site and embargo period). The APC covers the costs of publication process (copy editing, formatting the text, to compose the figures and tables, etc.) including the administrating of peer-review process, the permanent archiving of the articles, site administrating (hosting the files of the articles, maintenance and support of the site), the promotion of the journal and articles (to share the journals content all over the world, serve the indexing services, etc.) and customers support.

Article processing charge for “Insurance Markets and Companies” for the authors with affiliation in high-income countries or upper middle-income countries is 295 €, APC for the authors with affiliation in lower middle-income countries 195 € and APC for the authors with affiliation in low-income countries is 155 €. Please request an invoice (or information about other methods of payment) from an editorial assistant or follow the link to Pay online.

If the size of the manuscript exceeds the established limit (6000 words) then authors should contact an editorial assistant to elaborate on publication details.
Please pay attention that LLC “Consulting Publishing Company “Business Perspectives” can’t receive payments from high-risk and non-cooperative countries. The jurisdictions list http://www.fatf-gafi.org/countries/#high-risk.

During the publishing process the authors can order the printed copy of the issue from an editorial assistant per 125 €.

Discounts
In order to enhance the publishing opportunities for authors from low-income countries, the Publishing Company provides a system of partial compensation of Article Processing Charges. The Publisher also offers personal discounts for some authors from these countries. In such cases the author should apply to the Publisher with a fully substantiated request concerning both discounts for APC or for a free publication. Such an application is considered in each case individually.

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9 volumes and 17 issues