Development of the insurance mechanism in the regional stability

A comprehensive study of the conceptual problems of key financial instruments and the mechanism for effective protection of property interests of citizens, organizations, and the state from various risks. The main advantages of using insurance coverage allow you to compensate for damage in case of catastrophic natural risks. These tools and mechanisms allow for uninterrupted agricultural production. The study summarizes the methodological approaches to the tools and mechanism for protecting agricultural risks for the development of agricultural reproduction in the context of a security strategy, examines the trends in the formation of insurance coverage for agricultural producers in Russia according to key indicators, presents an assessment of reported, paid claims and refusals for insured events, taking into account state support. State support in the field of agricultural insurance is substantiated, aimed at activating agricultural producers to use the insurance mechanism as protection of property interests in the event of loss of agricultural products, as well as minimizing direct government costs for compensation for damage from natural disasters and natural disasters because of emergencies. A mechanism is proposed for increasing subsidies on insurance premiums against the risk of loss or the risk of loss as a result of emergency situations, the formation of sufficient volumes of insurance reserves within the framework of the association of insurers; development of additional programs and tools for agricultural insurance taking into account segmentation. The development of a digital agricultural technology project in the regions will allow monitoring of agricultural insurance objects, the formation of a unified database on potential risks for the implementation of preventive measures, remote interaction of insurers and policyholders. For the evidence base of the study, official data from the Bank of Russia and the Ministry of Agriculture of the Russian Federation were used. The research methods were monographic method, method of analysis and synthesis, computational-constructive method, expert method.