Информационные обязательства сторон договора страхования предпринимательского риска

Abstract

In order to protect one’s property interests, entrepreneurs can take advantage of the benefits of the entrepre-neurial risk insurance contract. Despite the effectiveness of minimization of damage from situations against which they have insured themselves, when considering the provisions of civil legislation, as well as a special law regulating the sphere of insurance services, a problem is revealed. The authors point out the absence of established obligations among the participants in the business risk insurance contract, when one of the parties does not have the necessary information that is essential for insurance. Conclusion dwells upon the fact that the policyholder has difficulties in understanding the content of the insurance contract, which leads to an in-crease in the number of disputed cases in judicial practice, as well as to abuses of the insurer as a professional participant in insurance. Amendments are proposed to the current civil legislation, obliging the insurer to inform the insured about certain information in cases established by law, as well as to make changes related to restrictions in the protection of insurance organizations of their right in the event of a dispute with insured persons regarding the reliability and correctness of the information they received.