Legitimate irresponsibility

According to "Expert RA" the amount of the insurance market GCO in 2007 amounted to 3 billion rubles. In the first half of 2008 - 1,7 billion rubles. Level nedostrahovaniya market is estimated to be very high - more than 95%. Currently, the Russian Federation introduced a mandatory liability insurance for the operation of only hazardous industrial plants and waterworks. But even their risks are covered only marginally. The maximum limit set by the law "On industrial safety of hazardous production facilities", 7 million rubles. That, of course, may not be enough even if the average scale of the accident. In addition, a number of sources of increased business risk not covered by this law. And since insurance premiums liability may not apply to the cost, and are paid from the profits of enterprises, the demand for voluntary insurance, including insurance in excess of statutory limits, it is extremely small. Experts estimate it at 10-15% of the total contributions, mainly in the petroleum and petrochemical industries. The crisis will affect on this small but promising for the Russian segment of the insurers voluntarily. "Before the financial crisis have been some revival of demand for voluntary liability insurance for the operation of other facilities that are hazardous, such as flammable objects such as gas stations. Also, some operators GCO present demand for insurance on excess of the amounts required by law. Thus, the main sources of demand for voluntary insurance responsibility for operation of hazardous facilities are organizations seeking to meet international standards of risk management "- said Alexander Shaikin, Head of Property and Liability Insurance Risk Management Department" VTB Insurance ". According to forecasts, Expert RA, the market for GCO in 2008 amounts to only 2.2 billion rubles, or 27,7% less than last year, better to prevent than to pay every year for enterprises aging production facilities, launched in the Soviet times, without waiting for the timely upgrading and replacement with new ones, thus increasing the possibility of accidents. "Only the first 9 months of 2008 on dangerous industrial sites in the country occurred 137 accidents. The greatest number of accidents (31) recorded at the sites of oil and gas, pipeline transportation, and trunk. 30 accidents were registered in the lifting equipment, 25 - on gas supply facilities, 10 accidents occurred in coal industry - share information Viktor Kruglov, Head of the Directorate of the Centre for Corporate Insurance FAC. Despite the relatively low frequency of occurrence of insured events in insurance, GCO, each of which can lead to serious consequences for a large number of third parties. Insurance, in addition to its core, the compensation function must also perform preventive function to prevent and minimize the consequences of insurance claims. In the liability insurance business sources of increased danger, this function becomes especially important. Insurance companies have a number of tools that enhance the level of security for enterprises: Survey (identification and risk assessment), a correction factor to insurance rates, the reserves of preventive measures. However, to date none of these mechanisms are not functioning. With the introduction of taxation of fund preventive measures insurers have refused to create and use these reserves. The system of correction factors is also virtually no effect. "Having a more modern security system can not significantly influence the reduction of tariffs, because they already are at a very low level. The insurers do not participate in the development of security systems for high-risk facilities, and care about preventing accidents and environmental disasters and the establishment of healthy and safe working environment rests with the leadership of those companies "- says Konstantin Kharin, Deputy Head of Civil ARCA by area businesses. "Working closely with the leadership development of hazardous production facilities allows us to develop a system using the latest advances in communications that meet the security requirements of specific objects" - adds Konstantin Kharin. Such a right, but a controversial law covering insurance more business sources of increased danger, the increase in liability limits (the maximum limit is increased by almost a thousand times - up to 6,5 billion rubles), stimulating the development of security systems at Russian enterprises, the growth level of social protection of citizens - All this is called among the pluses of the bill on compulsory insurance for GCO. In addition, the rapid adoption of this law would relieve the state budget from unplanned expenses and provide an opportunity in advance to form insurance reserves for payments to victims of accidents at hazardous facilities. Nevertheless, despite the heated discussions of the bill for many years, its adoption is not expected until 2011, and the impact of the introduction of compulsory insurance GCO is still under question. The history of this bill quite confusing: "the first reading of the bill was passed in December 2005. Consideration of the second reading was transferred several times during the period from 2006 to 2007 - 17 times. The main reason for the permanent transfer - an objective" nedorabotannost "bill. In this regard, it is said that in accordance with the instructions of the Government of the Russian Federation on 19.06.2008, the bill was submitted for revision and preparation for the second reading to all interested parties. Insurers within the existing responsibility of the National Union of Insurers formed their comments and suggestions on the bill . I think that real-time possible adoption of the bill in 2011 "- says Victor Kruglov. Indeed, the thin places in the bill a lot. Among the major insurers have called the problem of determining tariffs, provision of insurance payments and aggregate allocation of sums insured for several objects in one area. Height loss in the market OSAGO under constant for the past five years, tariffs and the inadequacy of some correction factors in 2009 could lead to widespread market crisis OSAGO. Adoption of the law which assumes a rigid legislative establishment of tariffs entails prerequisites for the development of the crisis. The way out of this situation may be to transfer functions to analyze the adequacy of tariff and adjustment factors, as well as the annual adjustment of their self-regulatory organization. On the second issue argues Andrew Kopytok, a leading specialist insurance division of dangerous objects Ingosstrakh: "speaking of the safeguards of insurance payments, I would like to support the current version of the bill, which reflects the need to create a pool of insurers, which will be reinsured big risks. Open Form the entry of insurance companies in the pool allows any insurer that meets the requirements of applicable law and with an adequate experience of such insurance, to become a member of the pool. Standard conditions of insurance and reinsurance, insurance claims procedures, and interaction between all participants in the pool association will allow an orderly and timely manner upon the occurrence of an accident at a hazardous facility provide indemnity to the victims. Also, the existence of such a union will decide on the payment of indemnities to victims in bankruptcy or liquidation of any insurance company - a pool party. " The third of these difficulties - it is a problem of reference of the sum insured is not for every hazardous production facilities, and on several objects at once. In this case, there is a possibility for accidents at a few of these facilities to reduce the insurance payments to victims of the second and subsequent failures of the already paid indemnities to victims after the first accident.