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At the first level indemnification is carried out at the expense of use of means
The reserve and emergency funds which are in the property of the enterprises.
This level is intended for compensation of small damages on the size and not
Assumes interventions of the insurance companies and the state.
Indemnification of averages on the sizes of damages can occur at the expense of means
The insurance companies. Liquidation of consequences of industrial accidents with
Drawing of the big harm of a life, to health and property of citizens and legal
Persons it should be carried out by the insurance companies with attraction
The state reserve funds.
Protection against especially large damages is possible by joint insurance
(Creations of pools) and reinsurance both on national, and on
The international market.
Level of own participation of the enterprises in compensation of damages (the size
Own reserves) it should be defined by the sizes of the franchise which can
To vary the insurance companies depending on object and kind type
The process equipment. It should stimulate owners
The enterprises to increase of reliability and reduction of breakdown susceptibility of the equipment.
The branches possessing large financial possibilities, form
Own (it) the insurance companies. In their name it is accurate
The branch accessory is looked through: the Power guarantor, Sogaz, Lukoil,
- , Surgutneftegaz. Branch frameworks for real compensation,
Certainly, are narrow, but the insurance basis is created. Business is much worse is on
The enterprises of chronically impecunious branches, but working in conditions
The raised risk. In this case a unique way - inclusion of all expenses
On insurance in expenses for production (jobs, services).
The current legislation limits possibilities of insurance,
As the insurance award can join in industrial expenses in
The size to 1 %. Meanwhile really necessary expenses on insurance
Property and responsibility of the enterprises (firms) can reach 3-4 %
Cost prices of production (services).
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