IMPROVEMENT OF TYPES OF INFORMATIONAL RISK INSURANCE

Аннотация

In this scientific work, the role of insurance mechanisms in eliminating the types of informational risks and the losses arising from them is analyzed in conditions where modern digital technologies and information systems are rapidly developing. The main focus is on covering the risks of types of informational risk insurance — cybersecurity, data security insurance and information infrastructure. The work studied the development trends of informational risk insurance systems based on the experience of foreign countries, and developed practical proposals and recommendations for improving insurance services of this type in the conditions of Uzbekistan. Proposals have also been made for informational risk assessment methodologies for insurance companies, the formation of a tariff system and the strengthening of the legal framework. The results of the study are important in diversifying the insurance market, expanding the possibilities of financially compensating for possible losses in the field of cybersecurity, as well as supporting the digital economy. Keywords: insurance, cybersecurity, financial resource, informational risks, insurance services, insurance premiums, authorized capital, reserve. Introduction. Today, the development of digital technologies and cybersecurity in the global economy and public consciousness is impossible. This may be due to limited access to resources, databases, computer systems, and network infrastructure. At the same time, according to him, such systems can be used to combat cybercrime, information hackers and cybercriminals. This improves the reliability, functionality, reliability, and reliability of the devices. In such circumstances, it is necessary to use mechanisms to minimize information risks and mitigate their consequences. House, cyber threats, and cybersecurity are the main factors influencing the development of cybersecurity. Mazur noted that information risks related to cybersecurity should be minimized, and prevention mechanisms such as cybersecurity, cybersecurity, cybersecurity, cybersecurity, and cybersecurity should be expanded. Literature review. Financial and economic aspects of informational risk insurance foreign Economist scientists K.Ruan, Paul Clumpes, Donatella Porrini, https://scientific-jl.com/new 66 11 Volume–78_Issue-3_June-2025 JOURNAL OF NEW CENTURY INNOVATIONS R.Böhme[1], G.Schwartz, H.Narang, A.Sharapov[7], Ye.Baranova, I.Ivanov, V.Nomokonov[2], T.Tropina, S.Smirnov, L.Mamaeva[9], V.Occurs in Larionov studies[3]. Local economist scholars: H.Sobirov, H.Shennaev[10], C.Kushoshev, A.Jo ' raev, S.Umarov, R.Azimov, T.Baymuratov[4], I.Abdurakhmonov[11], G.Halikulova, A.Xolbaev[8], I.Kenjaev, S.Sherov[5], F.Khasanov U.Imamov[6], G.Adilovas in the research of the insurance industry and some issues of informational risk insurance are researched. Methodology. In the process of performing the study, methods of systematic analysis and approach, logical and structural analysis, grouping and generalization, expert assessment and forecasting, mutual and comparative comparison were used. Analysis and results. Currently, the main conditions for the formation of informational risk insurance at the level of demand in the national insurance market of our country will be as follows, including: - In Uzbekistan, the digital economy is developing rapidly, and information occupies the main place in this; - the issue of comprehensive protection of informational systems for society and the state and other entities is becoming an urgent issue every day; - day after day, the intensification of cases of violation of informations, theft, destruction, as well as the widespread spread of viruses, the threats to the preservation of their idol are moving; - to become an urgent issue among the developers of informational systems, the owners of informational and its users the need for Responsibility and the distribution of obligations on the maintenance, distribution and other qualifications of informational. The main objectives of the creation of modern mechanisms for insurance protection of informational risks due to the above are as follows, namely: - the progress of crimes related to technology to become an integral part of our lives, the theft, violation, disclosure, loss of informational information as a result of various illegal actions, changes to it, blocking, illegal behavior of persons in order to reduce trends; - to encourage the creation of infrastructure for themselves, using the investiture capacities of insurance companies and their fundamental functions. In this case, the formation of demand, the optimal establishment of tariffs not only in terms of compensation for losses, but also in terms of earnings; - to reduce the risks of losing data and making illegal changes to them, as well as to improve their adequate financing in order to effectively carry out preventive work to prevent their harm using the warning function of insurance, in order to effectively https