The development of the national insurance market has become one of the important tasks of the economic reform of the Republic of Moldova.

Modern socio-economic conditions require the creation of a comprehensive, well-argued scientific system that ensures the further development of insurance, taking into account the requirements of international standards for regulating the insurance market.

Insurance science is designed to cover a wide range of problems, without the solution of which it is impossible to ensure stable socio-economic development. Since its establishment, insurance as a social institution not only offers the minimization of the consequences of various damages but also creates the premises for social solidarity and mutual assistance.

In the context of different types of social organization, the activities of individuals for protection against risks and harms are distinguished by significant originality.