СТРАХУВАННЯ ПІДПРИЄМНИЦЬКИХ РИЗИКІВ. INSURANCЕ OF BUSINESS’ RISKS
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Date
2020
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Abstract
Страхування як спосіб акумуляції та подальшого використання великих грошових коштів є різновидом підприємницької діяльності у фінансовій сфері і здатне приносити страховим компаніям високі прибутки. У статті досліджено актуальні проблеми майнового страхування, страховий інтерес, страховий ризик, аналізуються зміст і форма договору страхування підприємницького ризику. The paper emphasizes the role of entrepreneurial risk insurance in economic protection and the stable development of the activities of Ukrainian entrepreneurs. The features of the interaction of insurance and entrepreneurship in Ukraine are considered.
The list of business risk insurance objects is given. The paper highlights the types of entrepreneurial risks that may be insured. The main features of insurance of entrepreneurial risks in modern business conditions are investigated. It has been determined that insurance of entrepreneurial risks is one of the most effective ways of influencing financial relations on the business process during the development and implementation of management decisions. The system of insurance services offered today in the domestic insurance market helps to reduce the negative consequences of insured events, and provides protection against losses in the process of doing business. Attention is drawn to foreign experience in providing insurance services depending on the specifics of entrepreneurial activity. Limitations for active demand for insurance services for insurance of entrepreneurial risks are considered, the main of which are the high cost and imperfection of the terms of the contract. The structure of gross and net premiums by type of insurance in the insurance market of Ukraine for the period 2017-2018 is analyzed. Conclusions are made about the low specific weight of the studied insurance services in the total amount of insurance premiums and unsatisfactory dynamics. The main problem points are highlighted, which are an obstacle to the successful development of the studied segment of the Ukrainian insurance market. It was recommended to insurance companies to expand offers for entrepreneurs, taking into account the specifics of professional activity. To develop and support the interaction of insurance and business in Ukraine, it is necessary to improve the legislative framework for this type of activity.
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страхування, договір, підприємницький ризик, страхування відповідальності, збиток, insurance, contract, business risk, liability insurance, loss