Abstract 

In the conditions of the market economy, insurance products have gained special importance, because despite the technological development, natural disasters, illness, accidents and other unforeseen events have always harmed people, and insurance will significantly reduce the losses caused by natural events, such as floods, earthquakes and other disasters. Insurance allows us to avoid losses caused by financial obligations, protect ourselves from losses caused by non-payment of receivables. Insurance is a reliable and reliable property protection mechanism. The need for property insurance has always been there, especially in Georgia, where citizens put personal property above health.

Keywords: insurance company; insurer; property insurance; insurance contract; insurance services; Franchise, fire insurance; cargo insurance; Motor vehicle insurance.