Abstract
In the conditions of modern society, insurance has become a universal means of protecting the property interests of legal entities and individuals of all forms of ownership from natural disasters and other negative phenomena. It is required to assume measures regularly and coherently to improve a legal framework of insurance and to develop the insurance market infrastructure, to rise financial stability of insurance organizations, which will contribute to strengthen the protection of the rights and interests of consumers of insurance services in a result. Currently, there are trends in the world of insurance experience: universalization and specialization activities of insurers. The first one is connected to social division of labor: the appropriate process becomes objectively necessary in the insurance business. The objective economic necessity of using insurance is through the economic spirit isolation and the increase in the financial risks level and asset interests of citizens for the purpose of insurance of social production, entrepreneurship and the citizen welfare. The article discusses the features of the organization of the insurance business in connection with the rapid development of information technology and legislation adopted in the development areas of the market insurance.
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