Subject. The economic mechanism for setting insurance rates in the system of mandatory social insurance against workplace accidents and occupational diseases. Objectives. Developing a method for calculating an individual insurance rate that ensures an economically justified link between the quality of professional risk management and the amount of insurance burden on the employer, taking into account industry and regional specifics. Methods. Methods of structural-functional and comparative analysis, economic modeling, as well as elements of incentive theory and economic assessment of avoided losses were used. Results. An integrated economic model for individual insurance rates has been developed, which takes into account industry risk factors, insurance experience, manageability of professional risk, and the effectiveness of preventive measures. Within the model, risk manageability is interpreted as an economically significant parameter that reflects prevented socioeconomic losses. Conclusions. Shifting to a risk-based pricing model boosts insurance's incentive function and creates economic conditions for reducing human capital losses at the enterprise and regional level.
Keywords: insurance rate, professional risk, prevention, risk management, social insurance
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