INSURANCE IN SMALL AND MEDIUM BUSINESSES

In the article a set of services offered by insurance market of the RF to entrepreneurs is characterized on the example of JSC IS Astro-Volga and OJSC Rosgosstrakh ? the leading insurance companies in Samara oblast. The study results showed the reasons why entrepreneurs limit themselves to obligatory insurance despite a number of risks. This is due to their unwillingness to spend money on unclear goals and to off-the-book financial scheme, often used in small and medium businesses, which does not allow assessing insurable property. Moreover, insurance payout refers to business profits and raises tax base that is unprofitable for entrepreneurs.