Abstract: This paper presents an analytical synthesis of current approaches to public property insurance in an international context. The aim is to identify the approaches of individual EU countries to the issue of protecting public property and propose a general model for the use of AI in this area.
The analysis is carried out in the form of research, based on a methodology of systematic collection, sorting and evaluation of primary and secondary sources. The main sources include scientific publications and government documents. Emphasis is placed on categorising the identified approaches of countries in this area and the possibilities of using AI in the insurance industry.
This article enriches the scientific and research space with a unique overview of the approaches of individual EU countries, which is currently lacking. The results of the study can serve as a starting point for further studies and a valuable resource for deepening knowledge in this area. Since the use of AI has not been confirmed in most countries and the individual approaches in EU countries show only slight differences, the proposed general model can be applied at individual national levels of public institutions in EU countries.
DOI: 10.24818/amp/2026.46-07
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