Issue №: 2 (72)
The journal deals with the issues of efficiency of functioning of the national economics and organizational forms of management of the national economy. Attention is paid to the problems of marketing, management and efficiency of production and economic activity of agrarian enterprises. The issues of public administration and administration, accounting and taxation, banking and insurance, forecasting and modeling of economic processes, foreign economic activity, commodity flows of economic entities and their infrastructure support.
TOURISM RISKS AND THEIR INSURANCE
POLOVA Olena – Doctor of Economic Sciences, Professor of the Department of Business and Service Sector, Vinnytsia National Agrarian University (21008, Vinnytsia, 3, Soniachna Str., e-mail: olenapolova155@gmail.com).
MARTSENIUK Olena – Candidate of Economic Sciences, Associate Professor of the Department of Finance, Banking and Insurance, Associate Professor of the Department of Economics and Entrepreneurship, Vinnytsia National Agrarian University (21008, Vinnytsia, 3, Soniachna Str., e-mail: ovm-r@i.ua).
RUDA Oksana – Candidate of Economic Sciences, Associate Professor of the Department of Finance, Banking and Insurance, Associate Professor of the Department of Analysis and Audit, Vinnytsia National Agrarian University (21008, Vinnytsia, 3, Soniachna Str., e-mail: rudaokcana@gmail.com ).
The article analyzes the essence and significance of insurance as a key risk management tool in tourism. It is determined that the high level of risk in the industry determines the need to ensure proper insurance protection for all market participants. The main categories of risks are characterized: tourism (related to the safety and property of tourists) and economic (related to the activities of tourism enterprises). The authors systematize the classification of risks according to economic, political and social criteria, and also detail the types of tourism insurance by territorial basis, term of validity, types of insurers and types of risks. It is proven that insurance performs an important function in optimizing the allocation of the resources, rational formation of financial flows and minimizing the consequences of adverse events. The current state of the tourism insurance market in Ukraine is analyzed based on data for the first half of 2025, and significant differentiation among insurers in terms of the level of payments and the volume of fees is revealed. A number of problematic aspects have been identified, including the low insurance culture of the population, the lack of uniform standards, and the limited offer of specialized products for business.
Based on the SWOT analysis, promising areas for the development and improvement of tourist insurance in Ukraine have been identified, including digitalization, expanding insurance coverage, developing innovative products, and improving service quality. In addition, the structural components of comprehensive insurance protection for tourists abroad have been clarified, such as medical expenses, accident insurance, and civil liability insurance. Key obstacles to market development have been identified, including economic instability and consumer distrust. Specific measures have been proposed to overcome existing challenges, aimed at standardization, increasing transparency, and informing the public. The conclusion that insurance is a strategic tool for ensuring the safety and stability of the tourism industry and increasing its competitiveness in the international arena has been substantiated.
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About journal
051 Economics
071 Accounting and taxation
072 Finance, banking and insurance
073 Management
075 Marketing
076 Business, trade and exchange activities
241 Hotel, restaurant and catering
281 Public administration
The journal “Economy, finances, management: Topical issues of science and practice” is included in the "List of Scientific Professional Editions of Ukraine".
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It was founded in 1997 under the name "Bulletin of the Vinnytsia State Agricultural Institute". In 2010-2014 he was published under the title “Collection of scientific works of Vinnitsa National Agrarian University”.
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According to the decision of National Council of Television and Radio Broadcasting of Ukraine from 25.04.2024 No. 1337 the scientific journal «Economy, finances, management: topical issues of science and practical activity» has the ID of the Media R30-05171.
