Authors
Sherstiuk A.
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Degree
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Postgraduate, Plekhanov Russian University of Economics |
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E-mail
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aspir@sherstyuk.pw |
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Location
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Moscow |
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Articles
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Mutual insurance as a tool for developing of the competition on the market of construction risks’ insurance (example: segment of insurance of the risks connected with transport infrastructure construction)The article is devoted to the research of the state of competition on the market of construction risks’
insurance in Russia. In the countries with the developed market economy the competition exists not
only between the commercial insurance organizations, but also between commercial and mutual
organizations that act on the mentioned market. The article examines the possibilities of the development
of the competition on the Russian market of construction risks’ insurance that are connected
with the appearance of the special mutual insurance organizations. In the construction field that is
one of the most capital-intensive industry the great importance is always attached to the measures
intended to the optimization of the different risks that can potentially lead to the great amount of
damage. It’s quite difficult to name all the risks which appear during the realization of the construction
project. Construction organization faces with the risks of harm to life and health, entrepreneurial,
financial, commercial, innovation, ecological risks. The main amount of risks of construction project
accounts for the construction risks. These risks exist on all stages of the construction project: preproject
phase; project phase; construction stage; operation stage. Construction risks cover a wide
range of risks connected with the realization of construction project. In the strict sense construction
risks are technical risks. In a broad sense construction risks include not only technical ones but also
risks of liability of construction organizations for causing harm to life, health and property of the third
parties during the realization of construction. Also construction risks include risks connected with
the poor-quality execution of the contract. The article provides a sense of importance of the mutual
insurance for developing of the competition in order for the creation of the complete protection of
the property risks for all the participants that take part in the construction.
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