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This paper aims to outline the selected issues of risk management in construction enterprises operating in the Silesian and Małopolskie voivodships (Poland). In this context, it seems vitally important to have risk accurately identified, quantified and, consequently, responded to in the right way. Although the paper is mainly empirical in its character, it is based on a theoretical background, particularly when it comes to risk management in the construction industry, which is referred to in the literature on the subject as CRM (Construction Risk Management). The paper contains a review of the literature in this field and uses the method of synthesis. It emphasises the applicability and methodology of the issues discussed here, i.e. those which were verified in the empirical research conducted among construction contractors as participants of investment and construction processes.

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A variety of insurance options are used when managing risk in the construction industry. Numerous insurers operating on the Polish market provide suitable types of insurance, thus allowing participants of a construction process to obtain a comprehensive cover against almost all potential risks. Therefore, ‘all-risks’ types of insurance is of particular importance in case of construction and assembly activities. In addition to this instrument, the paper also deals with other forms of insurance used in the construction sector in Poland, which apply to various aspects of activities conducted by actors involved a construction project. This is the main topic of the paper, which also outlines the theory on the subject as well as providing the results of empirical research carried out in this area and emphasizing the practical applicability of the discussions. Consequently, the key aim of the paper is to present the issues related to insurance in the construction industry as a method of financing risk in operations of construction companies. The paper adopts a synthetic approach to these issues. The paper also reviews the related scholarly literature.

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