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In the modern world, there are tendencies to form the economy of a new type of economy - the digital economy. The formation of a new economy is associated with the intensification of various risks. In this regard, insurance is the main source of incentives for production activities and economic growth, which provides the conditions for protecting property interests. Losses arising from unforeseen factors (economic, political, social, etc.), cause an objective need for insurance. In all developed countries of the w...