Коммерческая деятельность. Страховое предпринимательство (конспект лекций)

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Коммерческая деятельность. Страховое предпринимательство (конспект лекций)

Lecture notes, cheat sheets

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13. Insurance business

Substance insurance business is that the entrepreneur guarantees the client compensation for damage in accordance with the conditions prescribed in the contract, which does not contradict the current legislation, in the event of unforeseeable circumstances of the loss of property, valuables, health, life and other losses for a certain amount when concluding an insurance contract. The profits of the insurance business are insurance premiums minus insurance payments under certain circumstances. As a rule, the probability of occurrence of force majeure circumstances is small and a significant part of insurance premiums forms entrepreneurial income.

Despite the fact that the insurance business does not produce any goods, it still remains one of the most risky activities. Insurers (organizations, enterprises, individuals), on the contrary, can receive compensation for a certain fee when the events specified in the contract occur. Despite the fact that this type of entrepreneurship is gaining momentum, the level of trust of potential clients remains very low. Entrepreneurs have to resort to certain tricks and spend money on large-scale advertising campaigns.

Each client, in accordance with the contract, pays insurance premiums, which form the insurance fund. It is used for insurance payments. However, the conduct of insurance activities is possible only if there are legislative documents, instructions and methodological materials necessary for the formation of insurance relations, which together form the insurance legislation.

Tasks, the implementation of which is necessary for the development of insurance:

1) formation of a strict legislative framework for insurance activities that does not allow for various interpretations;

2) development of compulsory and voluntary insurance;

3) creation of an effective body controlling the insurance activity;

4) joint work of the national insurance system with foreign insurance markets.

The legal essence of the insurance business is to establish legal relations to protect the client's property interests at the expense of insurance payments in accordance with the concluded contract. The property interest of the insured is a condition for cooperation with the insurer; without it, insurance activities are impossible.

Insurance business is different from commercial insurance and all kinds of government support. In this case, insurance is only a type of activity for the purpose of making a profit, and insurance payout funds are formed separately for each company.

Authors: Egorova E.N., Loginova E.Yu.

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