METHODS OF ASSESSING FINANCIAL RISKS IN THE INSURANCE SECTOR

Abstract

Abstract. Financial risks represent one of the most significant challenges faced by insurance companies in modern economic conditions. The effectiveness of insurance organizations largely depends on their ability to identify, assess, and manage financial risks. This article examines the theoretical foundations of financial risk assessment and analyzes the main methods used in the insurance sector. Special attention is paid to economic-statistical, expert, and comparative assessment methods. The study demonstrates that the application of comprehensive risk assessment techniques contributes to improving financial stability and increasing the efficiency of insurance organizations.