The aim of this research paper is to characterize innovations in the insurance market basing on the analysis of patents. The article examines the structure of patents concerning the insurance risk assessment process, submitted to the World Intellectual Property Organization in the period from 2000 to 2017. The analysis was carried out according to the following criteria: the nature of the patent (based on the International Patent Classification), the country of origin of the applicant, the time between filing the patent application and publication, and the affiliation of the applicant to the insurance market. To assess the expected relationship between the real premium growth and the number of patents from the insurance field, a correlation analysis was conducted. The results showed the lack of statistically significant correlation.
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