Risk-Oriented Approach to Ensuring The Financial Security of Insurance Companies

The article examines the role of a risk-oriented approach in ensuring the financial security of insurance companies. The study investigates the main risks affecting insurers’ financial stability, including insurance, investment, operational, cyber, and regulatory risks. Modern approaches to risk management and financial security mechanisms in insurance organizations are analyzed. Based on a review of scientific literature, key directions for improving risk management systems are identified. The findings show that the implementation of a risk-oriented approach contributes to greater financial stability, stronger internal control, and enhanced financial security of insurance companies.