Civil liability for nuclear damage and corporate system of complex insurance coverage for companies and organisations of nuclear industry

摘要

Building up a unified insurance coverage system for nuclear industry companies requires the industry and enterprises to perform a number of extrinsic functions (insurance expertise, development of insurance programme of the company, drafting of insurance contracts, etc.). The functions of the organisation of insurance coverage are offered to be deputed to a specialised organisation (insurance broker), which in this case becomes a part of the insurance coverage system of industrial companies. Thus, the proposed insurance coverage structure includes the following: 'Industry' (responsibility centre) - 'Insurant' (company) - 'Specialised organisation' (insurance broker) - 'Insurer' (insurance company, pool of insurance companies). As an example, we have examined the organisation of civil liability for nuclear damage. Analysing this kind of insurance and its peculiarities, we have revealed how the insurance broker (JSC 'Atomic Insurance Broker') would naturally fit into the system of insurance protection offered for nuclear industry companies.