Yil: 2023

The International Reinsurance Capacity

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In 2022, Turkish World Insurance Association was established in Istanbul with the membership and participation of insurance associations of Azerbaijan, Turkey, Uzbekistan, Kazakhstan and Kyrgyzstan. How do you evaluate the advantages and new opportunities that this union will create for the countries of the Turkic world, and what are your main expectations from this union as Uzbekistan?

The establishment of the Turkish World Union of Insurance Associations in Istanbul on May 24th 2022, with the active participation of insurance associations from Azerbaijan, Turkey, Uzbekistan, Kazakhstan, and Kyrgyzstan, presents a significant step forward in fostering collaboration and synergy among the countries of the Turkic world. This union is poised to bring about several advantages and new opportunities, with substantial implications for Uzbekistan.

The union provides a platform for knowledge exchange and sharing of experiences among member countries. The lessons learned from events such as the Earthquake in Kahramanmarash (Türkiye, 2023) can be invaluable in enhancing disaster preparedness and response strategies across the Turkic world.

Collaborative efforts enable effective surveillance of policy renewals and building codes. By sharing best practices and collectively addressing vulnerabilities in risk-prone regions, the member countries can contribute to more robust risk management and mitigation strategies.

The union can collectively address the challenge of low insurance rates in risk-prone regions. By sharing insights and leveraging the combined expertise, member countries can work towards creating a more conducive environment for insurance uptake, ensuring better coverage and protection for their populations.

Recognizing the critical role of reinsurance in ensuring the solvency of insurance companies in the face of catastrophic events, the union can facilitate collaborative reinsurance arrangements. Pooling resources and risk-sharing mechanisms can strengthen the financial resilience of member countries’ insurance industries.

The union is expected to contribute to the growth of the risk capacity for incoming reinsurance in the region. By fostering collaboration, the member countries can attract increased reinsurance capacity, which is essential for managing large-scale risks associated with catastrophic events.

Uzbekistan can benefit from the union by enhancing its disaster resilience. Collaborative efforts within the association can lead to improved risk assessment and management practices in Uzbekistan. This, in turn, can contribute to more accurate underwriting, pricing, and overall risk mitigation within the country.

Uzbekistan can anticipate an increase in insurance penetration through joint initiatives aimed at addressing low insurance rates in certain regions. By learning from the experiences of other member countries, Uzbekistan can implement effective measures to boost insurance awareness and adoption.

The union provides Uzbekistan with enhanced access to reinsurance support in the face of catastrophic events. This is particularly crucial for maintaining the solvency of insurance companies and ensuring the availability of financial resources to support recovery efforts.

Uzbekistan can benefit from capacity building initiatives facilitated by the association. Training programs, knowledge-sharing sessions, and collaborative projects can contribute to the professional development of the insurance industry in Uzbekistan.

In conclusion, the establishment of the Turkish World Union of Insurance Associations presents a unique opportunity for the Turkic world to collaborate, share expertise, and collectively address challenges in the insurance sector. From Uzbekistan’s perspective, the union holds the potential to bring about positive transformations in disaster resilience, risk management, and insurance penetration, ultimately contributing to the overall growth and stability of the country’s insurance industry.

On December 23, 2023, an agreement on the creation of the international reinsurance capacity «Turan» was signed in Tashkent.

Leading experts and top managers of the foreign and domestic insurance and reinsurance markets, representatives of the press, regulators, and professional communities of Uzbekistan, Kazakhstan, Azerbaijan and Georgia were present at one of the large-scale business events in the field of reinsurance in 2023.

The «Turan» capacity will be an effective regional risk transfer mechanism, seeking to significantly strengthen risk management at the national and regional levels. This reinsurance structure will allow participants to gain access to a wide client base, expand their presence in the region and will contribute to the creation of a modern underwriting platform not only in the region, but also beyond its borders. This new mechanism will not only strengthen insurance protection for large-scale projects in Central Asia and the Caucasus, but also contribute to strengthening economic stability and mutual trust between participating countries.

I AmChamPion Awards 2023 Gala in Istanbul

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The prestigious I AmChamPion Awards 2023 Gala in Istanbul on December 14 brought together over 300 public and private sector leaders, creating a platform for fostering collaboration and celebrating outstanding achievements. The star-studded event, held under the glittering lights of recognition, witnessed the presence of esteemed guests, including honorary speakers Presidency Investment Office President A. Burak Dağlıoğlu and US Ambassador Jeffry Flake.

One of the highlights of the evening was the insightful address by CEO of MIG and President of AmCham Uzbekistan, Mr. Oybek Khalilov. As a special guest, Mr. Khalilov shared valuable information about the burgeoning partnership between Uzbekistan, Turkey, and the United States in various sectors, emphasizing significant strides in the FCMG, construction, energy, IT, and finance.

The collaborative efforts between these nations underscored the growing importance of international partnerships in fostering economic growth and development. Mr. Khalilov’s remarks shed light on the interconnectedness of the global economy and the potential for mutually beneficial collaborations.

The Gala served as a nexus for networking, allowing leaders from diverse sectors to exchange ideas and explore avenues for future partnerships. The presence of esteemed personalities from both the public and private sectors created an atmosphere of camaraderie, emphasizing the shared commitment to innovation and progress.

An insurance forum at the Tashkent State Economic University

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CEO of Mosaic Insurance Group – Oybek N.Khalilov hosted a forum at the Tashkent State Economic University, where he presented data and trends analysis in the insurance market of Uzbekistan.
In his speech, Mr. Oybek drew attention to key aspects of the economic development of Uzbekistan. In the first half of 2023, the fastest growing industries were the IT and financial services. Insurance market continues to grow by 68% annually, despite the difficulties caused by the pandemic. This growth, however, has created challenges in the areas of staffing and training.
Attention was also drawn to the low level of insurance penetration in Uzbekistan compared to other countries, highlighting the program for creating a training center within the framework of Insurers Association.
The creation of a training center involves regular training for management and staff of insurance companies, which is an important step to solve the problems of outstaffing in the industry. Mr. Oybek expressed confidence in the successful development of the insurance market of Uzbekistan and in its contribution to the overall economic development of the country.

CSR Ball

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As part of the noble call to help children, AmCham Uzbekistan held the second CSR Ball dedicated to helping children with cancer together with the charitable foundation “Ezgu Amal”.
The event was hosted by CEO of Mosaic Insurance Group, Mr. Oyber N. Khalilov, as well as the President of the American Chamber Uzbekistan. The events attracted the attention of business and government officials who participated in their efforts to make a philanthropic contribution to pediatric cancer counseling.
The total amount of participation in the event was UZS 160,000,000. These funds were immediately sent to charity foundation.
As a result, awards were also given to companies that demonstrated outstanding results in social projects.


Mosaic Insurance Group is committed to social responsibility and supporting community initiatives. Participation in such events is not only a chance to contribute to public welfare, but also an essential element in creating a positive image of business in the country.
This event was not only a brilliant example of cooperation between the business sector and non-governmental organizations in Uzbekistan, but also a confirmation that corporate responsibility and social projects play a major role in engaging and developing sustainable society.

Development of the Insurance Market of Uzbekistan: New Stage in Advanced Qualification

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The insurance market of Uzbekistan continues its stable growth, increasing by a significant 67-68% annually, despite the challenges posed by the pandemic. However, this impressive growth has revealed serious challenges in staffing and training.

In response to these challenges, the Association of Insurers, chaired by Oybek N. Khalilov (CEO of Mosaic Insurance Group), introduced a new initiative step – the creation of a Training Center for Advanced Training. This project is being implemented in the state with the Tashkent Institute Of Finance with the support of the Ministry of Economy and Finance of the Republic of Uzbekistan and the UN within the framework of the “Insurance and Risk Finance Facility” project.

Proposals made within the framework of the project include regular training for employees of insurance organizations. Highlights of the initiatives include:

1. Senior management training: 40 academic hours.

2. Training for middle managers: 80 academic hours.

3. Training for managers and entry-level employees: 100 academic hours per year.

The signing of a memorandum between the UN, the Tashkent Institute Of Finance and the Association of Professional Participants of the Insurance Market of Uzbekistan became a key stage in the implementation of this project. This strategic partnership will allow us to effectively combine efforts to improve the skills of personnel and ensure the sustainability of the insurance market of Uzbekistan in the future.

Mentoring meeting with Tashkent State Economic University students

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CEO of Mosaic Insurance Group, Mr. Oybek N. Khalilov organized important mentoring meeting with five of the most talented students of the Tashkent State Economic University. This was a unique event that provided students with the opportunity to meet a leading insurance entrepreneur and gain valuable advice and guidance.

The meeting was held in an informal atmosphere, which allowed students to feel comfortable and free to ask questions. Mr. Oybek shared his experience in the insurance industry, talked about his successes and failures, and also emphasized the importance of continuous learning and skill development.

Students, in turn, asked questions about various aspects of business, ranging from strategic planning and risk management to personal effectiveness and leadership. Mr. Oybek answered every question with pleasure, shared his knowledge and gave useful advice based on his wealth of experience.

At the end of the meeting, Mr. Oybek thanked the students for their active participation and expressed hope for further cooperation. He emphasized that young people are the future of the country and urged them to strive to achieve high results.

The mentoring meeting left a vivid impression on the students. They gained valuable knowledge and inspiration for their future professional growth. Such events are an important part of education as they allow students to learn from successful and experienced people, as well as build their professional networks.

We hope that such meetings will become a tradition and will be held regularly so that students have the opportunity to meet with leading experts and receive valuable guidance for their future success.

II Forum of the TSUE Development Strategy: Global and National Economic Trends

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On October 19, at the last “II Forum of the TSUE Development Strategy: Global and National Economic Trends,” the CEO of Mosaic Insurance Group, Oybek N. Khalilov, made a report “On Catastrophic Risks”, where the latest data and analytical conclusions were presented.

In addition, a video clip was shown during the speech to make it more understandable for the students. Also, Mr. Oybek presented mentorship certificates on his behalf to 5 students who were active in the question-and-answer session.

Oybek N. Khalilov emphasized the main focus of his report on the study of insurance risks associated with natural disasters. It has been noted that these risks have a significant impact on the insurance industry and the global economy as a whole.

Particular attention was paid to insurance cases that occurred over the past 10 years. The short-term and long-term humanitarian, social and economic losses incurred as a result of natural disasters were clearly demonstrated.

II INTERNATIONAL INSURANCE SUMMIT OF TÜRKIYE

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On September 25, the first day of the II INTERNATIONAL INSURANCE SUMMIT

OF TÜRKIYE took place, where representatives of the local and foreign insurance markets, as well as professors and scientists in the field of insurance took part.

At the summit, the Chairman of the Association of Professional Participants of the Insurance Market of Uzbekistan, General Director of MOSAIC INSURANCE GROUP Oybek N. Khalilov, made a report “Trends in the insurance market of Uzbekistan and opportunities for regional cooperation,” in which he presented the latest trends in the insurance and reinsurance market of Uzbekistan, analyzed the impact of global trends on insurance market of Central Asia, as well as the resulting opportunities and prerequisites for regional cooperation.

Mr. Oybek N. Khalilov answered a number of burning questions regarding catastrophic risks and their reinsurance possibilities.

"Dengiz infratuzilmasi loyihalarining xatarlari va xavflarni Monitoring qilish"seminari

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Hurmatli do'stlar va hamkasblar,

Sizni “Mosaic Insurance” AJ tomonidan tashkil etilayotgan “Dengiz infratuzilmasi loyihalari risklari va risklar monitoringi” seminariga taklif qilishdan mamnunmiz. Jamoamiz sizni ushbu tadbirda mehmonimiz sifatida ko'rishdan xursand bo'ladi.

Tadbirda birinchi bo‘lib Kurt Ebek ma’ruza qiladi. Mosaic Insurance direktorlar kengashi a'zosi.

«Men kelib, dengiz yuklari va infratuzilma loyihalari xatarlari va DSU/ALOP sug‘urtasi bo‘yicha birinchi o‘quv kursini o‘tkazaman. Bu katta va og'ir yuklar qanday sug'urtalanganligi, bu fikrning orqasida nima va qanday sug'urta qilinganligi haqida umumiy fikr. Katta va og'ir loyiha yuklarini tashish va sug'urtalashda, yetkazib berish muddati cheklovlari bilan yukning bir portdan ikkinchisiga xavfsiz sayohatini ta'minlashning bir qancha jihatlari mavjud».

Tadbir dasturi:

09.00-09.30 ishtirokchilarni ro'yxatdan o'tkazish

09.30 – 11.00 "dengiz infratuzilmasi loyihasi xavfi va boshlang'ich anderraytingni kechiktirish". Spiker-Kurt Ebek, dengiz sug'urtasi bo'yicha 30 yillik tajribaga ega, AIG, Allianz, Tsyurix va boshqa sug'urta kompaniyalarida turli yuqori lavozimlarda ishlagan

Mosaic Insurance Group Bosh direktori Oybek Nosirovich Xalilov bilan suhbat

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Bizga moliyaviy liniyalari sug'urta nima qisqacha tavsifi berishi mumkin?

Birinchidan, moliyaviy chiziqlar moliyaviy yo'qotishlarni va bog'liq xarajatlarni qoplash sug'urta mahsulotlari uchun turadi, yo'qotishlar boshqa shaxsiy mulkiy zarar bilan bog'liq emas. Odatda, moliyaviy sug'urta liniyalari direktorlar va ofitserlarning javobgarligi, kiber jinoyatlar va bankirlarning adyol obligatsiyalari kabi xavflarni o'z ichiga oladi.

Nima D&O sug'urta? Nima uchun D&O sug'urta corporates uchun muhim?

   D&O sug'urta bozorida global miqyosda taniqli tushunchadir. Mamlakatlarning aksariyati rahbarlar, menejerlar, direktorlar va ofitser, "C" darajasidagi ofitserlar, agar ular sug'urta qilmasa, ular hatto ishni ham olmaydilar. Asosan, bu kompaniyaning direktorlari va zobitlari tomonidan qabul qilingan qarorlarga nisbatan uchinchi shaxslar tomonidan etkazilgan moliyaviy yo'qotishlar va xatarlar bilan bog'liq xavflarni qamrab oladi. Ushbu siyosat nafaqat yaxshi boshqaruv maqsadi uchun, balki boshqaruv qarorlarini yaxshilashga yordam beradi, menejerlar noto'g'ri qarorlar qabul qilsalar, shaxsiy hisoblariga katta moliyaviy yukdan qo'rqmasliklari kerak.

Moliyaviy liniyalarni sug'urtalash bo'yicha MIG ning afzalligi nimada? Nima uchun odamlar MIG-ni boshqa sug'urta kompaniyalaridan tanlashlari kerak? 

Birinchidan, biz D&O polisini anderrayting qiluvchi birinchi mahalliy sug'urtalovchimiz, boshqa O'zbekiston sug'urta kompaniyalari; ular D&O polisini o'zlari emas, balki xalqaro o'yinchilar vakili sifatida chiqaradilar. Shunday qilib, ular biznesni o'zlari yozmaydilar, faqat uning oldida. Bizning o'z professional anderrayterlarimiz bor va biz o'z tajribamizni mahalliy bilim va statistika asosida qurmoqdamiz va biz qamrab olingan xavflarni tahlil qilishga harakat qilmoqdamiz.  O'zbekistondagi hozirgi muhit O'zbekistonning o'zi uchun juda noyobdir, shuning uchun biz xorijdagi mahsulotlarni qabul qila olmaymiz va ularni mahalliy muhitga moslashtirishimiz kerak, garchi men 22 yildan beri AIGDA ishlaganman va AIG moliyaviy yo'nalishdagi asosiy yetakchilardan biri hisoblanadi.

Nima D&O sug'urta? Bu nima uchun muhimligini batafsil tushuntirib bera olasizmi?

"Aktsiyadorlik jamiyatlari va aktsiyadorlarning huquqlarini himoya qilish to'g'risida" gi Qonunida menejer o'zi qabul qilgan qarorlar uchun shaxsan javobgar ekanligi aniq ko'rsatilgan. Ya'ni, agar uning noto'g'ri yoki beparvo harakatlari natijasida uchinchi shaxslarning manfaatlariga zarar etkazilsa, u sudga tortilishi yoki kompaniya, aktsiyadorlar, xodimlar, kreditorlar, mijozlar, regulyator va boshqa uchinchi shaxs paydo bo'lishi mumkin.

D & O sug'urta polislari kompaniya menejerlari uchun ularni doimiy vazifalari doirasida qabul qilingan qarorlar va harakatlardan kelib chiqadigan da'volardan himoya qilish uchun uchinchi tomon javobgarligini qoplashni taklif qiladi.

Va da'voning sababi kompaniya boshqaruvidagi xatolar, moliyaviy hisobotlardagi noaniqliklar, prospektlardan boshlab har qanday noto'g'ri qaror bo'lishi mumkin; yirik operatsiyalarni o'tkazish tartibiga rioya qilmaslik, ko'rsatilgan moddiy faktlarni noto'g'ri oshkor qilish, investitsiyalar va bitimlarni noto'g'ri baholash; axborotni noto'g'ri ishlatish yoki mualliflik huquqi va boshqalar.

D & O siyosati kompaniya direktorlari va mansabdor shaxslarining jismoniy shaxs sifatida shaxsiy javobgarligini (a tomoni qopqog'i), shuningdek sug'urtalangan kompaniyani himoya qilish uchun o'z menejerlari nomidan uchinchi shaxsning da'vosini to'lagan taqdirda qoplashni qoplaydi.ularni (B tomoni yoki kompaniyaning qoplash qoplamasi). Ro aksiyadorlik kompaniyalari, shuningdek, uning qimmatli qog'ozlar savdo munosabati bilan bir g'ayriqonuniy harakat uchun kompaniya o'zi qarshi da'volar uchun qopqog'ini olish mumkin (yon C yoki qimmatli qog'ozlar shaxs qopqoqni).

4. D&O sug'urtasi qanday ishlaydi? Yana bir misol bilan tushuntirib bera olasizmi?

D & O sug'urtasining mohiyatini yaxshiroq tushunish uchun biz amalda tez-tez uchraydigan muayyan vaziyatda siyosat qanday ishlashiga misol keltiramiz: aktsiyadorlik jamiyatining 30% aktsiyalarini sotib olgan aktsiyador boshqa aktsiyadorlarga o'z aktsiyalarini sotib olish uchun ommaviy taklif yubordi (majburiy taklif). Ushbu taklif bilan bir vaqtda direktorlar Kengashi o'z aktsiyadorlariga mustaqil auditorning fikrini hisobga olmagan holda ishlab chiqilgan tavsiyalarini yubordi. Minoritar aktsiyador direktorlar kengashidan olingan ma'lumotlar asosida majburiy taklifni qabul qildi va qimmatli qog'ozlarni sotdi. Keyinchalik, ushbu aktsiyalarni sotish qiymati bozor qiymatidan sezilarli darajada kam bo'lganligi aniqlandi, natijada aktsiyador unga etkazilgan zararni qoplash uchun direktorlar kengashi a'zolariga qarshi sudga murojaat qildi. Sud sotib olish narxi va bozor qiymati o'rtasidagi farq miqdorida da'vogar foydasiga etkazilgan zararni undirish to'g'risida qaror qabul qildi.

Sug'urta tadbirining yana bir misoli AQShda ro'yxatga olingan Rossiya kompaniyasi Rossiyada monopoliyaga qarshi tergov mavzusiga aylandi, bu uning aktsiyalari stavkasining sezilarli pasayishiga olib keldi. Amerikalik aktsiyadorlar (asosan mablag'lar) yo'qotishlarni qayd etishdi va asl sabab Rossiyada hal qilinganiga qaramay, Rossiya kompaniyasining direktorlariga ma'lumotni to'liq oshkor qilmaslik uchun sudga murojaat qilishdi. Rossiyalik emitent deyarli uch yilni AQSh sudida o'tkazishga majbur bo'ldi va natijada da'vo rad etilganiga qaramay, u mudofaa xarajatlariga qariyb 2 million dollar sarfladi. Mijoz to'liq oqlandi-u pulni to'lashi shart emas edi. Shunga qaramay, sug'urta kompaniyasi o'z mijozini himoya qilish xarajatlarini to'ladi, u bir vaqtning o'zida D&o xalqaro siyosatini sotib olib, moliyaviy risklarini xavfsiz sug'urta qildi.

Umumiy D&O xavf stsenariylari:

· Bandlik amaliyoti & HR masalalari

· Aksiyadorlarning harakatlari

·   Hisobot xatolar

· Noto'g'ri yoki noto'g'ri oshkor qilish

· Prospektda noto'g'ri ma'lumot

· Kompaniya xodimiga berilgan vakolatdan yuqori qarorlar

·   Qoidalarga yoki qonunlarga muvofiqligini tekshirish

Shunday qilib, bu anglatadi D&O sug'urta voqea kelib chiqadigan huquqiy xarajatlarini qoplash?

Misollardan ko'rinib turibdiki, polis javobgarlikni sug'urtalash deb atalishiga qaramay, aslida mijoz unga kostyum olib kelish natijasida yuzaga kelishi mumkin bo'lgan xarajatlarni sug'urtalashdir. Shunday qilib, tez-tez advokatlarning xarajatlari va sudda ishlarni yuritish sud qarori bilan belgilangan kompensatsiyadan oshib ketadi. Shu bilan birga, shuni ta'kidlash kerakki, siyosat nafaqat zararni qoplash xarajatlarini, balki sug'urtalangan shaxsda sudda jinoiy va ma'muriy huquqbuzarliklar uchun unga qo'yilgan ayblovlarni ko'rib chiqish paytida yuzaga kelishi mumkin bo'lgan boshqa xarajatlarni ham qoplaydi, bu tergov xarajatlari, obro ' - e'tibor uchun xarajatlar qayta tiklash va boshqa favqulodda xarajatlar.

Qonunda aytilishicha, menejer o'zi qabul qilgan qarorlar uchun shaxsiy javobgarlikni o'z zimmasiga oladi. Xo'sh, korporatsiya rahbariyati qanday xavflarga duch keladi?

Shuni ham ta'kidlash kerakki, kompaniya bosh direktorining xavfi kompaniyaning har qanday harakatlari yoki kamchiliklari uchun potentsial javobgar ekanligi sababli ortadi. Agar uning o'zi qarorda shaxsan ishtirok etmagan bo'lsa ham (va / yoki bu haqda bilmagan bo'lsa) va tegishli harakatlar yoki harakatsizliklar kompaniyaning boshqa mansabdor shaxslari yoki xodimlari tomonidan sodir etilgan bo'lsa ham, xavf sukut bo'yicha rahbarga tegishli.

Direktorlar kengashi va kengashlari a'zolari duch keladigan xavflar doimiy ravishda o'sib bormoqda. Xatarlar kompaniyaning kundalik faoliyati jarayonida yuzaga keladi. Va boshqaruvning beparvoligi yoki beparvoligining salbiy oqibatlarini kamaytirish va noto'g'ri qarorlar qabul qilingan taqdirda moliyaviy yo'qotishlarni qoplash uchun himoya vositasi D&O siyosati sifatida kuchga kiradi.

D&O sug'urtasi qanday qilib mashhurlikka erishdi? Xalqaro amaliyotlar qanday?

Agar siz tarixga chuqurroq kirsangiz, o'tgan asrning 30-yillarida yirik biznes rahbarlari shaxsiy javobgarligi bilan bog'liq xavflar haqida o'ylashgan. 30-yillardagi Buyuk depressiya davrida AQShda ikkita muhim qonun hujjatlari qabul qilindi: 1933 yildagi qimmatli qog'ozlar to'g'risidagi qonun va 1934 yildagi investitsiya Qonuni, bu noto'g'ri harakatlar uchun direktorlarning shaxsiy javobgarligini o'rnatdi va kompaniyalar o'z direktorlariga etkazilgan zararni qoplashga haqli emas edi. Shunday qilib, bozorga direktorlarning shaxsiy moliyaviy manfaatlarini himoya qilish uchun noyob mahsulot taklif qilindi. Va sug'urta keng ommalashmagan bo'lsa-da, sug'urtaga bo'lgan ehtiyoj biroz keyinroq esga olindi.

Qo'shma Shtatlarda 1940-1950-larda korporatsiyalarga o'z direktorlari bilan zararni qoplash uchun shartnomalar tuzishga imkon beradigan bir qator qonunlar qabul qilindi. Bunday shartnomalar moliyaviy hisobotda qo'shimcha majburiyatlar sifatida aks ettira boshladi va kompaniyalar ushbu xavfni olib tashlash uchun biron bir tarzda imkoniyatni izlay boshladilar. Sug'urtalovchilar deyarli unutilgan "shaxsiy moliyani himoya qilish" mahsulotini esladilar, uni biroz yangiladilar va bozorga D&O javobgarligini sug'urtalash polisini taklif qilishdi.

O'rta-50s beri soni D&O AQShda siyosat barqaror o'sib bormoqda. Agar 1965 yilda ushbu siyosat yirik korporatsiyalarning 10% tomonidan sotib olingan bo'lsa, unda 1970-yillarda uning mijozlari soni 70-80% gacha o'sdi. Qo'shma Shtatlardan keyin Evropa kompaniyalari ushbu sug'urtani faol ravishda sotib olishni boshlaydilar. Bugungi kunda G'arbda davlat kompaniyalarining deyarli 100% D&O siyosati ostida himoyaga ega.

Sizningcha, O'zbekiston bo'yicha direktorlar qanday xavf omillariga duch kelishmoqda?

O'zbekistonga qaytib, u direktorlar qarshi da'volar holatlar bor edi, deb aytish kerak, lekin hech qanday rasmiy ma'lumot, bu yo'qotishlar qoplanadi yo'qmi. O'zbekistonda, afsuski, yetakchi xodimlarning huquqiy savodsizligi kuzatilmoqda. Ammo qonunchilikni bilmaslik hech kimni javobgarlikdan ozod qilmaydi. Bugungi kunga kelib, mamlakatimizda da'voni kompaniyaning o'ziga emas, balki mansabdor shaxsga taqdim etish amaliyoti hali rivojlanmagan, ammo O'zbekistonda emitentlar tomonidan axborotni oshkor qilish standartlarini oshirish muqarrar ravishda rahbarlarning javobgarligi xavfi darajasining oshishiga olib kelishi aniq.

Men ijobiy fikr yuritmoqchiman va ishonamanki, O'zbekiston jahon sug'urta amaliyotiga menejerlar uchun aniq mezon va talablar bilan mos keladi, bu ularning noto'g'ri xatti-harakatlari uchun javobgarlikka tortilishiga imkon beradi, bu shubhasiz kompaniyalardagi korporativ boshqaruv sifatiga va umuman O'zbekiston iqtisodiy tizimiga ta'sir qiladi.

Nima qoplanmagan?

D&O siyosati firibgar, jinoiy yoki qasddan mos kelmaydigan harakatlarni qamrab olmaydi. Shunga qaramay, begunoh rejissyorlar, agar ular hamkasblarining xatti-harakatlari qasddan va firibgar bo'lsa ham, ayblanuvchilar bo'lsa, to'liq qoplanadi.

D&O ham direktorlari noqonuniy haq olingan ishlarni qamrab olmaydi, yoki shaxsiy foyda uchun harakat. Professional tovon kabi boshqa sug'urta polisi bilan qoplanadigan barcha tadbirlar D&O siyosatida chiqarib tashlanadi yoki D&O qopqog'i faqat o'sha boshqa siyosat eroziyasidan keyin taqdim etiladi.

Boshqa keng tarqalgan D&O istisnolar bor: mulkiy zarar va tana jarohati; huquqiy harakat allaqachon siyosati boshlanadi qachon olingan; da'volar oldingi siyosati ostida amalga; da'volar boshqa sug'urta qarshi sug'urtalangan biri tomonidan olib; ekologik zarar da'vo.

Qilsa D&O sug'urta rahbarlari beparvo muomala qilish rag'batlantirish?

Yo'q. D&O yomon xulq-atvor uchun bo'sh chek emas. Bu tez-tez qilgan tasdiqlash D&O xos emas, balki mas'uliyat panelning asosiy masala bilan aloqasi bor, va rahbarlari kerak, deb talab hali fikr rahbarlari "ular loyiq nima olish" Real faktlarni eclipse: tadqiqot hech miqdori rahbarlari bir tomonidan sug'urta qachon har qanday kam mas'uliyat bilan muomala ko'rsatish mumkin D&O siyosati.

Buning aksi haqiqat. Ommaviy da'vo jarayoni va moliyaviy yo'qotishlar, korporativ va shaxsiy obro ' - e'tiborni yo'qotish ehtimoli va menejerga qarshi qilingan da'vo bilan birga keladigan boshqa barcha og'riqlar asosiy to'xtatuvchidir. D&O siyosati bu yo'qotishlarning barchasini avtomatik ravishda qoplamaydi, chunki ular juda murakkab va asosan uning doirasidan tashqarida.

Bundan tashqari, D&O sug'urtasi sug'urta sanoati va regulyatorlariga da'volarga olib keladigan harakatlar haqida ob'ektiv ma'lumotlarni to'plash va ushbu tendentsiyalarni yaxshiroq kuzatish imkonini beradi.

Limitlar va shaxsiy chegirmalar sug'urtalovchilarga o'z siyosatini alohida shaxslarga yoki kompaniyalarga moslashtirishga imkon beradi, bu esa korporativ boshqaruvni yaxshilashga olib keladi.

Boshqaruv javobgarligi qoidalarini tobora kuchaytiradigan muhitda, D&O cover shuning uchun ham yaxshi biznes amaliyotini boshqarish, ham direktorlar va ofitserlar duch keladigan xavf-xatarlarni boshqarish uchun muhim vositani taqdim etadi.