Аннотация
The purpose of ecological insurance - formation of insurance funds for the prevention of ecological accidents and accidents; the indemnification, caused to legal entities and individuals, owing to environmental pollution; providing conditions of accommodation of the population and functioning of businessmen of all forms of ownership in zones of emergency ecological situations. Development of ecological insurance (both obligatory, and voluntary) is complicated and for the following economic reasons: high insurance tariffs, including because of wear of fixed assets of the enterprises; lack of sufficient assets of insurance companies for insurance of essential environmental risks and significant expected damage; need of fee on voluntary ecological insurance from net profit; limitation of access on the international reinsurance markets. The developed and effectively operating system of insurance in the sphere of environmental management and environmental protection is capable to provide: compensation of harm to the state and the third parties in full, adequate to the damage caused as a result of economic activity; the guaranteed decrease in load of the budget; formation of off-budget sources of financing of preventive (precautionary), compensation and recovery actions for environmental protection and natural resources.