Annotation

The growth of the tourist flow in the world and the dynamic development of the tourist business in Ukraine are particularly relevant to the safety of tourists when traveling. The peculiarity of the tourism business is manifested by the presence of various risk factors that have a direct impact, on the one hand, on tourists, and on the other hand - on the activities of tourism enterprises. For that reason, insurance is one of the most important conditions for creating an effective security system in tourism. It is precisely in the process of insurance that the quality of services is determined and the image of the tourism industry as a whole is created. As of today, the modern insurance market requires new approaches to understanding of the main categories of its operation, as experience shows that financial reliability is almost the last in the insurance service structure.

Taking into account the peculiarities of tourism business in Ukraine, the authors of the work identify the existing problems of the subjects of tourism activity in the insurance system. Therefore, the main and additional types of insurance in tourism, which are offered at the domestic market of insurance services, are characterized in the research.

The existing approaches to the classification of tourist risks are investigated and their peculiarities are determined; key factors for the emergence of risks and their impact on the activities of tourism enterprises have been identified. The specificity of insurance protection of the tourist market participants from their influence is considered. The system of services for providing insurance protection against risky situations during a tourist trip of citizens is described, the problems that arise in this case are outlined, and ways of their solution are suggested. The risks affecting the businesses of the tourist business are identified and the features of their insurance are characterized.