Специфіка страхових послуг будівельно-монтажної галузі
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Date
2021
Journal Title
Journal ISSN
Volume Title
Publisher
Класичний приватний університет, м. Запоріжжя
Abstract
UKR: У статті досліджуються особливості страхування будівельно-монтажних ризиків. Відзначено, що відносини у сфері страхування в Україні регулюються Законом України «Про страхування», але даний нормативно-правовий акт не містить спеціальних положень щодо страхування на будівництві. Зроблено акцент, що страхування у сфері будівництва включає комплекс ризиків, що відносяться до кількох галузей страхування. Розкрито об’єкти страхування будівельно-монтажних ризиків за відповідними галузями страхування. Досліджено різновиди інженерних (технічних) ризиків у світовій практиці, обґрунтовано унікальність видів страхування за цими ризиками. На основі отриманих результатів зроблено висновки про стан розвитку страхування ризиків будівельної галузі: зараз в Україні страхування технічних ризиків здебільшого здійснюється як страхування майнових інтересів під час виконання будівельно-монтажних робіт або як страхування відповідальності перед третіми особами.
ENG: The article investigates the features of installation and construction risks insurance. It is found that relations in the field of insurance in Ukraine are regulated by the Law of Ukraine "On Insurance", but this regulatory act does not contain special provisions for construction insurance. It is emphasized that insurance in the field of construction includes a set of risks related to several branches of insurance. Objects of installation and construction risks insurance by relevant branches of insurance are identified. The types of insurance programmes in construction developed by world practice are systematized. Analysis of information from the websites of insurance companies operating in the insurance market of Ukraine and providing insurance services for construction risk insurance has led to the conclusion that currently in Ukraine, technical risk insurance is mostly carried out as property interest insurance during construction or installation work, or as the third-party liability insurance. In addition, the websites of most insurance companies provide only a list of objects and risks that are subject to installation and construction risks insurance. In some cases, this list is not specified and is represented by generalized wording (for example, IC ASKA). The analysis also has shown that indicative information on the level of insurance rates can be obtained only on the websites of 5 insurance companies out of 10 considered. Accordingly, conclusions are made about the state of development of risks insurance in the construction industry on the basis of the results obtained. In Ukraine in terms of installation and construction risks insurance, insurance companies provide insurance coverage of individual risks, not all risks (CAR), which may occur on the construction site, in contrast to world practice. Most companies provide construction risks insurance according to the rules of fire insurance. In addition, insurers' risks increase due to the low level of responsibility of developers to investors. Neither the legislation nor the terms of the contracts prevailing on the market require a higher level of responsibility. The construction industry in our country is developing dynamically, so there is a need for the improvement of construction and installation risk insurance. Nowadays, installation and construction risks insurance in our country is available only to large professional insurers who have reinsurance contracts with foreign reinsurers.
ENG: The article investigates the features of installation and construction risks insurance. It is found that relations in the field of insurance in Ukraine are regulated by the Law of Ukraine "On Insurance", but this regulatory act does not contain special provisions for construction insurance. It is emphasized that insurance in the field of construction includes a set of risks related to several branches of insurance. Objects of installation and construction risks insurance by relevant branches of insurance are identified. The types of insurance programmes in construction developed by world practice are systematized. Analysis of information from the websites of insurance companies operating in the insurance market of Ukraine and providing insurance services for construction risk insurance has led to the conclusion that currently in Ukraine, technical risk insurance is mostly carried out as property interest insurance during construction or installation work, or as the third-party liability insurance. In addition, the websites of most insurance companies provide only a list of objects and risks that are subject to installation and construction risks insurance. In some cases, this list is not specified and is represented by generalized wording (for example, IC ASKA). The analysis also has shown that indicative information on the level of insurance rates can be obtained only on the websites of 5 insurance companies out of 10 considered. Accordingly, conclusions are made about the state of development of risks insurance in the construction industry on the basis of the results obtained. In Ukraine in terms of installation and construction risks insurance, insurance companies provide insurance coverage of individual risks, not all risks (CAR), which may occur on the construction site, in contrast to world practice. Most companies provide construction risks insurance according to the rules of fire insurance. In addition, insurers' risks increase due to the low level of responsibility of developers to investors. Neither the legislation nor the terms of the contracts prevailing on the market require a higher level of responsibility. The construction industry in our country is developing dynamically, so there is a need for the improvement of construction and installation risk insurance. Nowadays, installation and construction risks insurance in our country is available only to large professional insurers who have reinsurance contracts with foreign reinsurers.
Description
І. Аберніхіна: ORCID 0000-0003-0692-1276; Н. Валенюк: ORCID 0000-0001-6433-6177
Keywords
страхування, напрями страхування у будівництві, будівельно-монтажні ризики, страхові програми в будівництві, страхове покриття, insurance, directions of insurance in construction, installation and construction risks, insurance programmes in construction, insurance coverage, КУФОАМБ
Citation
Аберніхіна І. Г., Валенюк Н. В. Специфіка страхових послуг будівельно-монтажної галузі. Приазовський економічний вісник. 2021. № 2(25). С. 152–158. DOI: https://doi.org/10.32840/2522-4263/2021-2-27.