The system of zemsky insurance in the middle Volga region in the late 19th - early 20th century (on materials of Simbirsk province)

The article is devoted to the analysis of zemstvo activity in the field of fire insurance. The frequent fires in the country contributed to the popularity of this type of insurance. The bourgeois reforms of the 1860s, which contributed to the increase in the number of insurers, had a great influence on the formation of zemsky insurance in the insurance market. The procedure for obtaining the certificate of insurance included several stages. Detailed paperwork at the conclusion of the insurance policy a clear procedure for the occurrence of an insured event, strict conditions for obtaining remuneration should exclude all possible risks that the insurance policy cover and the possibility of illegal profit by the insured. Despite all these measures, the insurance society could refuse insurance without giving a reason.