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Liburkina L. M.

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The Integration of Insurance Management into the Enterprise Professional Risk Management System in the Context of Digital Transformation
Vishtak I. V., Pyshchykova A. O., Filias O. Y.

Vishtak, Inna V., Pyshchykova, Arina O., and Filias, Olena Yu. (2026) “The Integration of Insurance Management into the Enterprise Professional Risk Management System in the Context of Digital Transformation.” Business Inform 3:519–535.
https://doi.org/10.32983/2222-4459-2026-3-519-535

Section: Management and Marketing

Article is written in Ukrainian
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UDC 368:005.334:004

Abstract:
The aim of the article is to substantiate the role of insurance management as a tool for compensating the professional risks of an enterprise and to define its functional capabilities within the risk management system in conditions of economic instability and digital transformation of the business environment. In the research process, a system approach was used – to determine the place of insurance management in the structure of professional risk management; the method of logical-structural analysis – to identify the specifics of professional risks; comparative analysis – to evaluate state and voluntary compensation mechanisms; generalization of scientific sources and statistical data – to define the functional role of insurance management; elements of conceptual modeling – to substantiate the integration of insurance management into the corporate risk management system. The article identifies the specifics of professional risks as a dynamic management object. It analyzes the mechanisms for their compensation based on State social insurance and voluntary insurance programs. The functional role of insurance management in ensuring the financial stability of the enterprise and the social protection of personnel is defined. The feasibility of integrating insurance management into the corporate risk management system is substantiated. The directions of its development under the conditions of the digitalization of Ukraine’s economy are outlined. The scientific novelty of the study lies in: substantiating insurance management not only as a compensatory mechanism but also as an integrated tool for managing the enterprise’s professional risks; determining its functional role in ensuring the financial stability and continuity of business activities; developing an approach to integrating insurance management into the corporate risk management system under the conditions of the transformation of the risk environment; formation of a conceptual vision for the development of insurance management as an element of the digital architecture of risk management. The practical significance of the obtained results lies in the possibility of: using insurance management as a tool to increase enterprise resilience; improving the system of professional risk compensation; optimizing the distribution of risks between the State, insurers, and business; integrating insurance mechanisms into corporate risk management systems; applying digital tools to increase the efficiency of professional risk management.

Keywords: insurance management; professional risks; risk compensation; insurance; risk management; financial stability of the enterprise; social protection of personnel; digitalization; economic instability; professional risk management.

Fig.: 1. Tabl.: 3. Bibl.: 51.

Vishtak Inna V. – Candidate of Sciences (Engineering), Associate Professor, Associate Professor, Department of Life Safety and Safety Pedagogy, Vinnytsia National Technical University (95 Khmelnytske Chss, Vinnytsia, 21021, Ukraine)
Email: [email protected]
Pyshchykova Arina O. – Student, Faculty of Management and Information Security, Vinnytsia National Technical University (95 Khmelnytske Chss, Vinnytsia, 21021, Ukraine)
Email: [email protected]
Filias Olena Yu. – Student, Faculty of Management and Information Security, Vinnytsia National Technical University (95 Khmelnytske Chss, Vinnytsia, 21021, Ukraine)
Email: [email protected]

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