Water Tourism in Baikal Region: Issues on Organization of Tourist Insurance Coverage

The article is devoted to the topical issues of insurance coverage formation for tourists as a special category of customers subject to various risks. The problem of ensuring a touring hike and its participants safety involves its organizers, tourists themselves, and other interested persons. Meanwhile, the water tourism has some features and different purposes that affect the amount of insurance coverage to be formed. The author gives special attention to the insurance of the people engaged in sport water tourism (he reveals the peculiarities and existing problems of its implementation), as well as to the insurance of the cost risk associated with conducting the search and rescue operations. The paper presents the main activities that can be implemented by insurers that are represented in the region, in terms of popularizing and further developing the insurance in the field of water tourism. The Baikal Region is chosen as a tourist destination that has a variety of water recreational resources, which is one of the most valuable natural resources in this geographical region.