Property insurance is the major element of economic relations, the most effective way of compensation of a damage, the original form of a payment for risk. The risk is an uncertainty of the future fear not to reach an object in view. In market economy of concept "risk" and "insurance" inseparably linked. Property insurance is necessary mainly in an uncertain dynamical economic situation.
Firms as economic subjects always aspire to protect themselves from losses and superfluous expenses as work on maximization of profit and expansion of own influence on a commodity market and services. Therefore they resort to property insurance that allows them in a crisis situation under absolutely unforeseen circumstances to survive.
