MODELING OF ACTIVITY STRATEGIES OF PROPERTY INSURANCE COMPANY

This article explores the approach to pricing in an insurance company, given the price elasticity of demand for insurance services, as well as the investment opportunities of insurance companies. Insurance is a bilateral system of economic relations between insurers and insurers. The insurer undertakes to pay the insurance contract a fixed amount (insurance payment) to the policyholder upon the occurrence of the insured event, and the policyholder is obliged to unconditionally pay the established insurance premium. Insurance is a good tool to protect your property, as it allows you to restore it in case of damage or even loss. The relevance of the work is determined by the fact that the property insurance market is growing steadily, because the developed insurance system makes it possible to cover losses from unpredictable events, thereby ensuring the stable development of the economy in the country. Also, insurance companies accumulate a significant amount of cash in the form of insurance premiums, which allows for active investment activity, which also contributes to the development of the country's economy. The object of the research is the main and investment activities of a property insurance company in Ukraine. The subject of research is the economic and mathematical models of economic relations between the subjects of the insurance market in Ukraine, as well as the investment activities of the insurance company. In a competitive market, an important issue for insurance companies is to choose a pricing policy that will maximize the expected profit of the company. The article proposes a streaming model of an insurance company. Considered the value of the client's utility for insurance, and its absence. The conditions are given when insurance is beneficial to the client. The approach to the choice of the insurance tariff on the basis of net and gross rates is considered. The calculation of the demand for insurance services according to the Gutenberg model is given. Based on the activities of the insurance company Etalon, the proposed model was tested. Predicted insured events using the chain-ladder method, the insurance tariff and investment strategy were chosen in such a way as to obtain maximum profit and not to violate the liquidity conditions of the insurance company (the possibility of paying its obligations).