Keyword: «risk environment»

The purpose of the article is to assess the state of insurance in Russia at the present stage from the position of the insurance risks inherent in our country. The insurance market of Russia continues to develop dynamically. However, the main difference of our country from the majority of economically developed countries is that the most significant risks are practically not insured (in general, the share of insured risks is no more than 15% of real insurance risks). Obstacles to the active development of domestic insurance are: the inertia of economic processes in the country; insufficient study and forecasting of insurance risks and, as a result, poor development of insurance products that correspond to risks; lack of informational openness of insurers (especially in the regions); lack of thoughtfulness of ensuring the economic interests of individual insurers in adequate insurance services; weak competitive environment in regional insurance markets; high polarization of the social strata of the population (as a result, the inaccessibility of insurance services to a significant part of the population).