Ivanova, Y.I. Insurance of the objects of art as an instrument for the protection of the cultural heritage of the state

Abstract: The cultural heritage of the state is a multi-faceted matter, which should be evaluated not only as an element of national riches and well-being of the society, but also as the means for the accumulation of spiritual and creative immaterial assets of the state. The problem of preservation and rational use of cultural heritage objects has became especially topical in the modern Russia. That is why insurance becomes one of the most important and efficient financial means of protection of interests of the society as a while and owners of the historically valuable objects in particular. Joining insurance policy allows one to minimize the losses and risks in the process of holding and turnover of art objects. The article includes brief analysis of the existing tendencies in the insurance market for the art objects, and the analysis of the specific features of insurance of public and private objects of art in Russia. The author provides the basis for the great social value of the segment of insurance for the art objects, as well as for the need to further develop this type of insurance.

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