Insurance - the illusion of omnipotence?

On the one hand, positively the very appearance of such an approach: "If our country has an insoluble problem in some area, whether it is the obligation of air carriers, tour operators, developers or artists on government contracts, so it must be insured." In my opinion, this is a subject of pride for Russian insurers - they have already won public recognition and trust. The state, not knowing how to provide a solution to any problem, ready to provide a solution to national insurers. On the other hand, there lies the big problem. Many risks can not in principle be provided insurance cover. For example, many experts of insurance companies claim that insurance can not cover credit risks.'s bank guarantee in the provision of credit risk can be applied, and liability insurance - no, because as a bank guarantee implies a possible recourse to the debtor if it is willful misconduct, and liability insurance contract - not intended. There is a logical question: if the legislation this possibility implied, then it would be this risk could be insured? For example, if the Civil Code appeared normal, that for insurance and indemnity persons or liability under the contract, in case of fault of the insured the insurance company reimburses the damage, but it has the right to make recourse to the policyholder. Clearly, in this case, the liability insurance contract is to a large extent, the analog of the bank guarantee. Nevertheless, Conditions of insurers such risks would be substantially changed. But are Russian insurers do this even under such conditions - a clear answer to this question until the professionals do not give. There are several reasons that make the insurers' liability insurance to approach with extreme caution. The first reason is that liability insurance having a very long tail losses, and in many cases impossible to predict in advance exactly what they may be. The most striking example, which is not even necessary, perhaps, to remind everyone again - it's asbestos payments, because of which experienced a very serious problem is not one insurance company in the world, including world-renowned syndicate of Lloyds. "Now the risks of liability insurers have become more cautious approach. That legal model, which is incorporated in our Civil Code in its current form, does the insurer hostage misconduct of the insured. This realization prompted the most reasonable to impose a moratorium on insurers' liability insurance under the contract. Other companies offer not to refuse his conduct, but streamline the actual content of insurance coverage for contractual liability insurance. I will not evaluate the correctness of any parties to the dispute but that increased caution is justified - that's for sure. Also has a value and scale of the transferred liabilities. agree that is stupid and unacceptable would look the situation in which a guarantor of obligations of the corporation level, "Norilsk Nickel" or the "Gazprom would become an insurance company that just two days ago appeared on the market, and essentially nothing else but name, of itself is not. This means that the state, saying that he needed liability insurance, not articulated exactly how it is an insurer, guarantor of the obligations it wants to see what criteria it must meet in terms of size, experience, quality of assets, etc. That is, in fact, the state has not yet decided, but what is it for insurance - a formal document or a real financial basis that the commitments will be fulfilled in any case, if not attorney, the guarantor, if not insured, the insurer. It is clear that insurance companies are able to take some quite large in terms of risks, in our country at all until you find it. However, the total assets of insurance companies are known, hence, can be determined by the limits of their capabilities in solving public problems, their ability to act as a guarantor in cases where the state is interested in the existence of such safeguards. And finally, it is worth recalling that there are at least a dozen different ways to protect the property interests of the various vicissitudes of fate. Insurance - this is only one out of ten, and besides it is also used various reserve funds, guarantees, finance preventive measures, etc. In this case, insurance - one of the most expensive ways to manage risk, but the most reliable. Maybe that's why the state with such hope, and now looks to insurers.