Abstract
Insurance is a very common and effective tool for managing financial risks. It also assumes the transfer of the risk in full or in part, but in this case the risk is transferred to the insurance company. Let's remember that insurance is one of the financial instruments of risk management, and not the only one. At the same time, it should be noted that insurance is a non-permanent instrument, and it cannot be used for all risks and in all risky situations. There are quite frequent cases when insurance is used together with other risk management tools, that is, it is part of the risk management program. Чачастую рашовые компании themselves require the client to reduce the existing primary risks with the help of physical instruments before signing the insurance contract. For example, in agriculture, it is completely unacceptable to manage risks there only by means of insurance. the first Keywords: insurance broker, insurance mediator, insurance product, sales channel, independent agent.
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