Determination of the expected damage to the enterprise for vari­ous options for the partial transfer of risk to the insurer

The management of industrial risks is al­ways a hot topic, because of the intensive and ex­tensive growth of the industry. Risk management involves the transfer of risk expressed by the insur­ance and saving, and risk reduction. For the most effective risk management, the management com­pany should determine the amount of risk trans­ferred to the insurance and left on his own hold. The issue of correct definition of the provision of self-insurance is important as it is connected with cash, withdrawn from circulation or storage of stocks in kind. The excess amount of the provision leads to an increase in lost revenue, insufficient provision dangerous increase in damage from un­expected event production failure. The article pre­sents an assessment of the expected damage to the company, which has insured its risks. Variants of the transfer of risk from the use of insurance "first risk" and franchises. Varying parameters are the sum insured and the amount of the deductible, which characterize the boundary limit of liability of the policyholder and the insurer. The obtained for­mulas allowing to determine the conditions of the contract of transfer of risk, depending on the amount assigned accountabilities of the enterprise and the insurance company. The distribution func­tion of the damage, considered in the paper present­ed exponential, normal and uniform distribution of a random variable. Presents the results can be used by risk managers and the company''s management to estimate the amount of self-insurance for events in partial insurance.