{"id":1170,"date":"2026-10-27T11:28:07","date_gmt":"2026-10-27T08:28:07","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=1170"},"modified":"2026-10-27T11:28:07","modified_gmt":"2026-10-27T08:28:07","slug":"allianzdan-isletmelere-iklim-risklerine-karsi-hazirlik-cagrisi","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=1170","title":{"rendered":"Allianz\u2019dan i\u015fletmelere iklim risklerine kar\u015f\u0131 haz\u0131rl\u0131k \u00e7a\u011fr\u0131s\u0131"},"content":{"rendered":"

Allianz Commercial\u2019\u0131n raporu, ortalama i\u015f kesintisi hasar\u0131n\u0131n 850 bin euroyu a\u015ft\u0131\u011f\u0131n\u0131 ve ili\u015fkili ortalama fiziksel hasardan yakla\u015f\u0131k y\u00fczde 70 daha y\u00fcksek oldu\u011funu ortaya koydu. Do\u011fal afetlerin incelenen i\u015f kesintisi hasarlar\u0131n\u0131n toplam de\u011ferindeki pay\u0131 y\u00fczde 34\u2019e ula\u015f\u0131rken Allianz T\u00fcrkiye, COP31 \u00f6ncesinde i\u015fletmelerin uyum ve i\u015f s\u00fcreklili\u011fi planlar\u0131n\u0131 g\u00fc\u00e7lendirmesi gerekti\u011fini vurgulad\u0131.<\/strong><\/h4>\n

T\u00fcrkiye\u2019nin 9\u201320 Kas\u0131m 2026\u2019da Antalya\u2019da ev sahipli\u011fi yapaca\u011f\u0131 COP31<\/strong> yakla\u015f\u0131rken, iklim risklerinin i\u015fletmelerin ekonomisi ve operasyonlar\u0131 \u00fczerindeki etkileri \u00f6nem kazan\u0131yor. Ekim ay\u0131nda \u0130stanbul\u2019da ya\u015fanan \u015fiddetli ya\u011f\u0131\u015flar ve seller de afetlere \u00f6nceden haz\u0131rlanman\u0131n gereklili\u011fini yeniden g\u00f6sterdi.<\/p>\n

\u0130\u015fletmeler a\u00e7\u0131s\u0131ndan haz\u0131rl\u0131k, tesislerin korunmas\u0131yla birlikte faaliyetlerin ne kadar s\u00fcre aksayabilece\u011finin ve nas\u0131l yeniden ba\u015flat\u0131laca\u011f\u0131n\u0131n planlanmas\u0131n\u0131 da kaps\u0131yor.<\/p>\n

Allianz Commercial\u2019\u0131n Business Interruption Claims: Trends and Developments in Corporate Insurance Losses <\/strong>ba\u015fl\u0131kl\u0131 g\u00fcncel raporu, Ocak 2021\u2013Aral\u0131k 2025 d\u00f6nemine ait 7.888 sigorta sekt\u00f6r\u00fc i\u015f kesintisi hasar dosyas\u0131n\u0131 inceledi. Yakla\u015f\u0131k 6,74 milyar euroluk hasar tutar\u0131n\u0131 kapsayan analiz, faaliyet kesintilerinin mali boyutunu g\u00f6sterirken risk y\u00f6netimi ve i\u015f s\u00fcreklili\u011fi planlamas\u0131na da veri sa\u011flad\u0131.<\/p>\n

Do\u011fal afetler dosya say\u0131s\u0131nda ilk s\u0131rada<\/strong><\/h4>\n

Rapora g\u00f6re do\u011fal afetler, incelenen i\u015f kesintisi hasarlar\u0131n\u0131n toplam de\u011ferinin y\u00fczde 34\u2019\u00fcn\u00fc olu\u015fturarak maliyet a\u00e7\u0131s\u0131ndan ikinci s\u0131rada yer ald\u0131. Dosya say\u0131s\u0131nda ise y\u00fczde 26\u2019l\u0131k payla en s\u0131k kar\u015f\u0131la\u015f\u0131lan hasar nedeni oldu.<\/p>\n

Sel, f\u0131rt\u0131na, dolu ve orman yang\u0131nlar\u0131; tesislerde fiziksel zarara neden olman\u0131n yan\u0131 s\u0131ra \u00fcretimi durdurabiliyor, lojistik faaliyetlerini ve tedarik zincirlerini aksatabiliyor. Kritik altyap\u0131lara eri\u015fimin etkilenmesi de i\u015fletmelerin faaliyetlerini s\u00fcrd\u00fcrmesini zorla\u015ft\u0131rabiliyor.<\/p>\n

\u0130\u015f kesintisi hasarlar\u0131nda en y\u00fcksek maliyet ise yang\u0131n ve patlamadan kaynakland\u0131. Bu iki neden, incelenen hasarlar\u0131n toplam de\u011ferinin y\u00fczde 40\u2019tan fazlas\u0131n\u0131 olu\u015fturdu. Bulgular, dayan\u0131kl\u0131l\u0131k planlar\u0131n\u0131n iklim kaynakl\u0131 tehlikelerle birlikte faaliyetleri durdurabilecek di\u011fer riskleri de i\u00e7ermesi gerekti\u011fine i\u015faret ediyor.<\/p>\n

Ortalama i\u015f kesintisi hasar\u0131 850 bin euroyu a\u015ft\u0131<\/strong><\/h4>\n

Analizde ortalama i\u015f kesintisi hasar\u0131n\u0131n 850 bin euronun \u00fczerine \u00e7\u0131kt\u0131\u011f\u0131 g\u00f6r\u00fcld\u00fc. Bu tutar, ili\u015fkili ortalama fiziksel hasar tutar\u0131n\u0131 yakla\u015f\u0131k y\u00fczde 70 a\u015ft\u0131. Ortalama i\u015f kesintisi hasar\u0131n\u0131n de\u011feri, son iki y\u0131l\u0131n her birinde y\u0131ll\u0131k bazda y\u00fczde 30\u2019dan fazla y\u00fckseldi.<\/p>\n

\u00dcretime ara verilmesi, teslimatlar\u0131n gecikmesi, alternatif tedarik kaynaklar\u0131n\u0131n aranmas\u0131 ve faaliyetlerin yeniden ba\u015flat\u0131lmas\u0131 i\u00e7in ge\u00e7en s\u00fcre, toplam ekonomik kayb\u0131 b\u00fcy\u00fctebiliyor. Dolay\u0131s\u0131yla zarar g\u00f6ren varl\u0131klar\u0131n onar\u0131lmas\u0131, i\u015fletmenin kay\u0131plar\u0131n\u0131n tamam\u0131n\u0131 a\u00e7\u0131klamaya yetmiyor.<\/p>\n

Tesis onar\u0131lsa da kesinti s\u00fcrebiliyor<\/strong><\/h4>\n

Afetlerin i\u015fletmelere etkisi, olay\u0131n ya\u015fand\u0131\u011f\u0131 yerdeki hasar\u0131n \u00f6tesine uzanabiliyor. \u015eiddetli ya\u011f\u0131\u015f ve sel nedeniyle kritik ekipmanlar\u0131 zarar g\u00f6ren bir tesiste \u00fcretim durabilirken, tesisin yeniden a\u00e7\u0131lmas\u0131 da faaliyetlerin tamamen normale d\u00f6nmesini sa\u011flamayabiliyor.<\/p>\n

Tedarik\u00e7ilerin \u00fcretim yapamamas\u0131, lojistik g\u00fczerg\u00e2hlar\u0131n\u0131n aksamas\u0131 veya malzemelere zaman\u0131nda eri\u015filememesi toparlanmay\u0131 geciktirebiliyor.<\/p>\n

Yang\u0131n, deprem ve di\u011fer afetler de i\u015fletmenin faaliyetleriyle birlikte \u00e7al\u0131\u015fanlar\u0131n\u0131, tedarik\u00e7ilerini ve m\u00fc\u015fterilerine kar\u015f\u0131 y\u00fck\u00fcml\u00fcl\u00fcklerini etkileyebiliyor. Bu nedenle kritik varl\u0131klar\u0131n ve faaliyetlerin ba\u011fl\u0131 oldu\u011fu unsurlar\u0131n \u00f6nceden belirlenmesi, alternatif tedarik ve operasyon senaryolar\u0131n\u0131n haz\u0131rlanmas\u0131 ve i\u015f s\u00fcreklili\u011fi planlar\u0131n\u0131n farkl\u0131 risklere g\u00f6re g\u00fcncellenmesi \u00f6nem ta\u015f\u0131yor.<\/p>\n

COP31\u2019in uyum ve dayan\u0131kl\u0131l\u0131k g\u00fcndemi de i\u015fletmeler a\u00e7\u0131s\u0131ndan bu haz\u0131rl\u0131klarla somutla\u015f\u0131yor. Emisyonlar\u0131n azalt\u0131lmas\u0131 iklim de\u011fi\u015fikli\u011fiyle m\u00fccadelenin temel unsurlar\u0131ndan birini olu\u015ftururken, de\u011fi\u015fen ko\u015fullara uyum sa\u011flanmas\u0131 ve olas\u0131 kesintilerin etkilerinin s\u0131n\u0131rland\u0131r\u0131lmas\u0131 i\u015fletmelerin uzun vadeli dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131 destekliyor.<\/p>\n

\u201cDayan\u0131kl\u0131l\u0131k, risk ger\u00e7ekle\u015fmeden \u00f6nce al\u0131nan \u00f6nlemlerle ba\u015fl\u0131yor\u201d<\/strong><\/h4>\n

Allianz T\u00fcrkiye Elementer Ticari Sigortalar Genel M\u00fcd\u00fcr Yard\u0131mc\u0131s\u0131 \u00d6ktem \u00d6rk\u00fcn<\/strong>, COP31\u2019in g\u00fcndeme ta\u015f\u0131d\u0131\u011f\u0131 uyum ve dayan\u0131kl\u0131l\u0131k ba\u015fl\u0131klar\u0131n\u0131n i\u015fletmelerin g\u00fcnl\u00fck kararlar\u0131yla ili\u015fkilendirilmesi gerekti\u011fini belirtti.<\/p>\n

Risk y\u00f6netiminde varl\u0131klar\u0131n g\u00f6rebilece\u011fi zarar\u0131n yan\u0131nda faaliyetlere d\u00f6n\u00fc\u015f s\u00fcresinin de de\u011ferlendirilmesi gerekti\u011fini vurgulayan \u00d6rk\u00fcn, \u201cRisk y\u00f6netiminde hangi varl\u0131klar\u0131n zarar g\u00f6rebilece\u011fini de\u011ferlendirirken, i\u015fletmenin faaliyetlerine ne kadar s\u00fcrede d\u00f6nebilece\u011fini de sormal\u0131y\u0131z. Bu sorunun yan\u0131t\u0131n\u0131 afet ya\u015fanmadan \u00f6nce vermek; kritik s\u00fcre\u00e7leri belirlemeyi, alternatifleri de\u011ferlendirmeyi ve i\u015f s\u00fcreklili\u011fi planlar\u0131n\u0131 g\u00fcncel tutmay\u0131 gerektiriyor\u201d diye konu\u015ftu.<\/p>\n

Emisyonlar\u0131n azalt\u0131lmas\u0131yla birlikte de\u011fi\u015fen iklim ko\u015fullar\u0131na uyumun ve kesintilere haz\u0131rl\u0131\u011f\u0131n i\u015fletmelerin \u00f6ncelikleri aras\u0131nda bulunmas\u0131 gerekti\u011fini ifade eden \u00d6rk\u00fcn, \u015f\u00f6yle devam etti:<\/p>\n

\u201cAllianz T\u00fcrkiye olarak ticari sigortac\u0131l\u0131k alan\u0131ndaki uzmanl\u0131\u011f\u0131m\u0131zla i\u015fletmelerin risklerini de\u011ferlendirmelerine ve olas\u0131 kay\u0131plar\u0131n etkisini azaltmaya y\u00f6nelik \u00f6nlemleri ele almalar\u0131na destek olmay\u0131 \u00f6nemsiyoruz. Dayan\u0131kl\u0131l\u0131k, risk ger\u00e7ekle\u015fmeden \u00f6nce al\u0131nan \u00f6nlemlerle ba\u015fl\u0131yor.\u201d<\/p>\n

Allianz Teknik\u2019ten test, e\u011fitim ve dan\u0131\u015fmanl\u0131k<\/strong><\/h4>\n

Allianz T\u00fcrkiye, ticari sigortac\u0131l\u0131k alan\u0131ndaki uzmanl\u0131\u011f\u0131yla i\u015fletmelerin risklerini tan\u0131mas\u0131na ve risk y\u00f6netimi s\u00fcre\u00e7lerini geli\u015ftirmesine katk\u0131 sa\u011flamay\u0131 hedefliyor.<\/p>\n

T\u00fcrkiye\u2019nin ilk ve tek akredite deprem merkezi olan Allianz Teknik, yang\u0131na tepki testleri yapma yetkisi bulunan \u00fc\u00e7 akredite kurumdan biri olarak da hizmet veriyor. Merkez, deprem ve yang\u0131n testlerinin yan\u0131 s\u0131ra iklim de\u011fi\u015fikli\u011fi risklerini de kapsayan uygulamal\u0131 e\u011fitim ve dan\u0131\u015fmanl\u0131k hizmetleri sunuyor.<\/p>\n

\u0130\u015fletmelerin risklerini daha iyi anlamas\u0131n\u0131 ve \u00f6nleyici tedbirleri de\u011ferlendirmesini destekleyen bu \u00e7al\u0131\u015fmalar, \u00f6zellikle k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli i\u015fletmelerin (KOB\u0130) afetlere ve di\u011fer risklere haz\u0131rl\u0131\u011f\u0131n\u0131 art\u0131rmay\u0131, operasyonel dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131 g\u00fc\u00e7lendirmeyi ama\u00e7l\u0131yor.<\/p>\n

Raporun tamam\u0131na https:\/\/commercial.allianz.com\/news-and-insights\/commercial-insights\/business-interruption-claims.html<\/a> \u00fczerinden ula\u015fabilirsiniz.<\/p>\n

\n

Tweet<\/a><\/div>\n<\/p>","protected":false},"excerpt":{"rendered":"

Allianz Commercial\u2019\u0131n raporu, ortalama i\u015f kesintisi hasar\u0131n\u0131n 850 bin euroyu a\u015ft\u0131\u011f\u0131n\u0131 ve ili\u015fkili ortalama fiziksel hasardan yakla\u015f\u0131k y\u00fczde 70 daha y\u00fcksek oldu\u011funu ortaya koydu. Do\u011fal afetlerin incelenen i\u015f kesintisi hasarlar\u0131n\u0131n toplam de\u011ferindeki pay\u0131 y\u00fczde 34\u2019e ula\u015f\u0131rken Allianz T\u00fcrkiye, COP31 \u00f6ncesinde<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1170","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1170","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1170"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1170\/revisions"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1170"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1170"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1170"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}