Análisis de la influencia de primas P&I y casco en los seguros marítimos del Ecuador, enfoque correlacional. Años 2014 – 2018
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Fecha
2019
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Universidad de Guayaquil Facultad de Ciencias Administrativas
Resumen
El presente estudio tuvo el objetivo de analizar la influencia de las primas P&I y Casco en los seguros marítimos del Ecuador, durante los años 2014 al 2018, mediante un enfoque correlacional. Para el efecto, se aplicó la metodología descriptiva, cuantitativa, de campo, con uso de la encuesta aplicada a los propietarios o administradores de embarcaciones que transitan por los océanos y el mar territorial ecuatoriano, cuyos resultados evidenciaron que la población mayoritaria de estas compañías han contratado en mayor medida el seguro de casco marítimo, el cual participó con la cuarta parte de todos los seguros marítimos. Se diagnosticó la conexión entre las variables del estudio a través del modelo de regresión lineal, identificándose la correlación entre los seguros marítimos y la póliza de casco marítimo, pero no existe relación entre los seguros marítimos y la prima de P&I, en consecuencia, la evolución de la prima de P&I y/o de casco no está correlacionada con la evolución de los seguros marítimos, por ello, se requiere de talleres para el fomento de la toma de conciencia en los clientes propietarios o administradores de embarcaciones, para su contratación al sector de los seguros marítimos. En conclusión, en vistas del ahorro a obtener al contar con un seguro marítimo, para garantizar mayor productividad y competitividad de este sector económico.
The present study aimed to analyze the influence of P&I and Casco premiums on maritime insurance in Ecuador, during the years 2014 to 2018, using a correlational approach. For this purpose, the descriptive, quantitative, field methodology was applied, using the survey applied to the owners or administrators of vessels that travel through the oceans and the Ecuadorian territorial sea, whose results showed that the majority population of these companies have hired the maritime hull insurance, which participated with a quarter of all maritime insurance. The connection between the study variables was diagnosed through the linear regression model, identifying the correlation between maritime insurance and the maritime hull policy, but there is no relationship between maritime insurance and the P&I premium, consequently, the evolution of the P&I and / or hull premium is not correlated with the evolution of maritime insurance, therefore, workshops are required to promote awareness in the owners or boat administrators, for contracting the sector of marine insurance. In conclusion, in view of the savings to be obtained by having maritime insurance, to ensure greater productivity and competitiveness of this economic sector.
The present study aimed to analyze the influence of P&I and Casco premiums on maritime insurance in Ecuador, during the years 2014 to 2018, using a correlational approach. For this purpose, the descriptive, quantitative, field methodology was applied, using the survey applied to the owners or administrators of vessels that travel through the oceans and the Ecuadorian territorial sea, whose results showed that the majority population of these companies have hired the maritime hull insurance, which participated with a quarter of all maritime insurance. The connection between the study variables was diagnosed through the linear regression model, identifying the correlation between maritime insurance and the maritime hull policy, but there is no relationship between maritime insurance and the P&I premium, consequently, the evolution of the P&I and / or hull premium is not correlated with the evolution of maritime insurance, therefore, workshops are required to promote awareness in the owners or boat administrators, for contracting the sector of marine insurance. In conclusion, in view of the savings to be obtained by having maritime insurance, to ensure greater productivity and competitiveness of this economic sector.
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Palabras clave
PRIMAS, P&I, CASCO, SEGUROS