Necessity of Ecological Insurance With Systematic Negative Impact on the Environment

In Kazakhstan, the current system of environmental risk insurance is regulated by the norms of the Law of the Republic of Kazakhstan "On Compulsory Environmental Insurance". The study of this law has shown that the legislator does not adhere to the principle of insurance coverage of all environmental risks – the implemented approach is based on insurance of various fields of activity, types of objects. At the same time, environmental risks are not clearly spelled out. As a rule, they are considered only in fragments – as components of possible consequences as a result of the occurrence of an insured event (accident, incident, incident) and, as a result, are compensated only partially. A properly organized system of environmental insurance, based on competently performed calculations of insurance parameters, will compensate for the resulting damages in full within the specified insurance limits and, in addition, stimulate enterprises that are sources of increased danger to reduce the negative load on environmental components.