ABOUT INSURANCE OF TECHNICAL RISKS OF ECONOMIC ENTITIES ON THE BASIS OF FORECASTING OF RELIABILITY OF MACHINES
The possibility and expediency of insuring machines against technical risks caused by failures has been substantiated. The relationship between the calculation of insurance rates and the assessment and forecasting of reliability indicators is shown. Fundamentally important in the organization of insurance of technical risks is the issue of an objective assessment of the risk of an insured event, which determines the real cost and possibility of insurance. The specificity of insurance makes it possible to classify as insured events only events that in the aggregate have a low probability of joint occurrence during the period of validity of the insurance contract. Therefore, it is possible to insure only rarely occurring, but serious in their consequences, failures in machines, leading to significant material damage. It is also possible to regulate the amount of risk of an insured event by changing the term of the insurance contract. When insuring technical risks in matters of substantiating these fundamentally important points, it is necessary to use the scientific methods of the theory of machine reliability.