Privalomojo įmonės bendrosios civilinės atsakomybės draudimo už žalą, padarytą aplinkos užteršimu, tikslas ir probleminiai aspektai
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The society is required to consider and to look for the optimal ways and guarantees to preserve the environment, because its economic activity leads to deterioration of ecosystems and loss of biodiversity. Compensation of environmental damage and environmental restoration are regarded as particularly important guarantees for environmental preservation and such financial security measures as a guarantee, warranty and insurance are used to enforce them. One of the main goals of various financial measures on liability for environmental damage is to ensure that it would be rewarded not by the government or by public funds, despite environmental damage was caused by the company which doesn not have sufficient funds to liquidate it. The indirect aim of these measures is to encourage companies to evaluate the potential threat to the environment of their activities and to create and to use environmentally friendly technologies and manufacturing processes. However, the benefits of the compulsory company general liability insurance for environmental damage wil not be achieved and its setting will not perform its basic function, if the insurance companies will not have the possibility to assess future risks on the basis of legal acts and if the competent public authorities will not cooperate with insurance companies regulating the methods for determining the value and size of environmental damage.
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