Insurance as a way of protection of aquaculture subjects’ economic interests
At present, the problem of ensuring physical and economic accessibility of food for the population is exacerbated. For this reason, the development of industries that produce food is becoming relevant. Among them, an important role is assigned to fisheries. Historical practice shows that there is a change in the proportions in the production of food in the aquatic environment. In the production offish, an increase in the share of aquaculture is observed. Cultivation and breeding of hydrobionts is characterized by the impact of a variety of risks. This necessitates the active use of risk management tools. One of the effective instruments for protecting economic agents of fish farming from production risks is insurance. Its importance as a way of protecting economic subjects of aquaculture is defined. The conclusion is made about insignificant development of insurance in the scale of the country and the aquaculture industry. The market is represented only by commercial insurance of hydrobionts. The bulk of insurance contracts are imputed and related to bank insurance. On the basis of a retrospective analysis, the main factors that inhibit the development of insurance in aquaculture have been identified. All problematic aspects were grouped into three enlarged blocks: low demand for insurance from aquaculture enterprises, insufficient supply of insurance services from insurance companies, insufficient attention of government agencies to the sphere of aquaculture. The urgency of introduction of the state support of aquaculture insurance by subsidizing a part of the premium paid under the concluded contracts by analogy with agricultural insurance is justified.