Development of risk insurance area for Russian high-technology enterprises

Abstract

It has been proved that the operation of a high-technology entity is an area significantly disturbed by manifestations of various adverse factors. Therefore, the underlying causes of negative effects are visible with a possibility of adverse effects – namely threats. A significant number of threats generate risky situations of the same nature as risk generating impacts that can be identified by the description of stochasticities. The problematic nature and the critical nature of the insurance area for Russian high-tech production market operators have been analyzed. At the same time the inevitability of a transition to a new level of the organization of their insurance coverage as Russian companies become integrated into the global economy has been justified. Conceptual, instrumental, and other major obstacles to the adoption of intellectual technologies of risk insurance have been highlighted. An original conceptual view of several methodological and implementation project decisions for the area in question have been proposed.