Вимоги до ділової репутації страхових брокерів та чинники її формування.

Abstract

Creating the proper conditions for the implementation of mediation in the field of insurance is a key to the effective functioning of the modern legal and economic model of the interaction of insurance intermediaries and other participants of the insurance market, which is based on the optimal combination of market self-regulation and state regulation. Effective, impartial, safe and stable conditions for the activity of insurance intermediaries ensure balance of interests of all participants of the insurance market (state, insurer, insurance intermediaries). The establishment of certain components of the business-reputation factors has particular importance, as it directly affects the results of the activity of the insurance intermediary, the quality of the mediation services provided in the insurance sector, the competitiveness of the financial services market, the increase in demand for insurance services, and the restoration of trust to insurance intermediaries, which will allow the subjects of mediation in the field of insurance to demand the inviolability of business reputation, to carry out actions against it, the possibility of measurement of the intangible asset and its evaluation. The expediency of consolidation in the Law of Ukraine “On Insurance” of the requirement to have a good business reputation of an insurance intermediary as one of the special conditions for the implementation of intermediary activities in the field of insurance and the establishment of these factors that influence the formation of a good business reputation of the insurance broker is proved in the article. The consolidation of the above provisions in the legislation will provide definiteness to the subjects of mediation in the field of insurance in respect of compliance with the requirements for their business reputation, the application of economic and legal responsibility for the caused non-property damage to business reputation.