Management of changes in the insurance industry in the conditions of climate crisis

Анотація

The insurance industry is rather effective in overcoming consequences of natural disasters. Insurance companies play a key role in financing natural disasters consequences, at the same time they sustain record losses and are in difficult financial conditions. Taking into account the above said, the issues of management of insurers risks is up-today and is connected with climate change. In article the content of “climate risk” as risk is specified, the emergence of which is caused by human activity, which leads to pollution, resulting from industrial activity and other sources that greenhouse gases (carbon dioxide) which are capable to absorb a range of infrared radiation generate and, as a result, predetermine warming of the global atmosphere that brings to change of structure of the world atmosphere and adds natural climate instability during the certain periods of time. The most destructive dangers threatening to mankind owing to global warming are systematized. Types of risks and their sphere of manifestation in Ukraine are outlined. The directions of adaptation of the insurance industry to changes, caused by climatic crisis are defined. Due to results of the research, the theoretical generalization and author’s solutions of a scientific task are offered, which appear in the development of scientific and methodical approaches and justification of practical recommendations about modernization of activity of insurance companies and reinsurers in the conditions of risks, generated by global climate changes. Scientific novelty of the research: specifying the role of the insurance industry regarding the prevention of risks connected with global warming.

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