The insurance lobby has proposed the Central Bank, the Ministry of natural resources, Rosprirodnadzor and the Ministry of Finance to make insurance of environmental risks of Industrialists imputed — such a policy would be one of the ways admission to the professional activities. To reduce costs for such insurance they asked to give the opportunity to reduce the price of the policy cost for excess pollution. How to assure the authors, this approach corresponds with the international practice, protects the interests of citizens and protects the business from further financial losses.The consequences of a fuel spill at the company “Norilsk Nickel” has revived the debate on the introduction of system of insurance of ecological risks. As follows from letters (there is a “b”) of the President of the Russian Union of insurers (VSS) Igor Jurgens, head of the Department of insurance securities market Philip Gabunia, the regulator, together with the Ministry of natural resources, Rosprirodnadzor and the Ministry of Finance is requested to study “the establishment at the legislative level, for the organizations performing activities dangerous to the environment, the requirement to have financial security” in case of liquidation of the harm caused.In their proposals the BCC describes three scenarios. The first is to include environmental risks in the law on compulsory liability insurance of owners of dangerous objects (OPO). Now in OPO such risks are not included because, as explained by the insurers, there is no registry of media objects of potential harm (for OPO this registry is). In addition, it is unclear how to charge already accumulated ecological damage to the environment. Named in the letter the benefits of inclusion egorikov in OPO: the possibility of attributing the cost to the insurance cost, the allocation of risk in an existing pool of companies working in the OPO, and the small effort required to implement the project. Of the minuses — the inability to harmonize with international law, the uncertainty with the possibility of additional reinsurance beyond the pool, an additional burden on the budget of the company and bind to the list OPO (it is tailored to the harm the life and health of people and environment).The second scenario is the adoption of the law on compulsory insurance of environmental risks. The pros are the same (in addition, there is a single normative documentation). Of the minuses — the same movement against the global trend of rejection of mandatory types of insurance. In addition, it is “the complexity of the procedures for the development and approval of the documents,” evidently expected to counter the industrial lobby, which for many years successfully resisted the launch of the OPO.Finally, the third option, on which BCC’s officials to discuss the introduction of the imputed type of insurance. This is the kind of obligation which does not require acceptance from��alnogo of the law and used as the admission to professional activity. Protection system egorikov proposed to be built on the principle of selection business between finobespecheniya in the form of an insurance policy or a Bank guarantee and the establishment of a reserve Fund. This system exists among tour operators, but there are the insurers talking about the need for reform due to the low transparency of the industry. In the case of Industrialists VSS such problem does not see.The advantages of the third scenario applies as the allocation of costs for the insurance costs, and international experience on the imputed types. “In order to minimize the risk of incomplete insurance coverage conclusion of insurance contracts should be based on the internal standard, as approved by the Association of insurers and agreed with the Bank of Russia”,— said in a letter to the BCC.To motivate the Industrialists proposed to allow them to take the money spent on insurance policy, on account of the amount required for the restoration of damaged components of the environment. “Reimbursement of expenses on elimination of consequences of environmental pollution in the first place protects the citizens’ interests. Business proposed mechanism will allow, on the one hand, the use of competitive market mechanisms to determine the cost of insurance protection, and with another — not to bear additional financial losses”,— says Igor Yurgens.The Central Bank, “Kommersant” reported that it would study the proposals of the insurers. The Union and Norilsk Nickel declined to comment on the initiative.Tatyana Grishina
