Na segodnyashniy den" Rossiyskaya praktika vedeniya strakhovogo dela nedostatochno razvita: knigi i uchebniki, posvyashchennye strakhovaniyu, predlagayut rassmotrenie problemy s tochki zreniya strakhovshchika, a ne strakhovatelya. Predpolagaetsya, chto imenno strakhovaya kompaniya dolzhna formirovat" programmy strakhovaniya dlya predpriyatiy, razrabatyvat" dogovory, opredelyat" summu ubytka pri nastuplenii strakhovogo sluchaya i poryadok ee vyplaty, razrabatyvat" preventivnye meropriyatiya, otsenivat" zastrakhovannoe imushchestvo, opredelyat" uroven" riska bez uchastiya strakhovatelya. Odnako, pri takom podkhode, ispol"zovanie predpriyatiem instrumenta strakhovoy zashchity ot promyshlennykh riskov mozhet okazat"sya neeffektivnym: khozyaystvuyushchiy sub"ekt (strakhovatel") mozhet poluchit" ubytok ili nedopoluchit" vygodu vsledstvie realizatsii riskov. Dannoe issledovanie pozvolyat vzglyanut" na problemu s tochki zreniya strakhovatelya , chem sushchestvenno sokratit raskhody i povysit uroven" strakhovoy zashchity, a samoe glavnoe budet soblyudat"sya nemalovazhnyy kriteriy "tsena-kachestvo".