Optimization of CTP in the context of general digitalization of economic entities

The scientific article is devoted to the modernization and optimization of the coefficients of the risk premium of compulsory civil liability insurance of vehicle owners, in the context of the general digitalization of economic entities and current geopolitical realities. The calculation of the total payment for CTP insurance is analyzed. It is concluded that key management decisions in achieving the main goal of profit maximization should be economically justified and have the possibility of timely transformation and adaptation to current realities. These provisions can increase the level of economic security and financial stability of the insurance company.