Social responsibility, as a matter of fact, is a system interaction of business and a society. It is not simply charity or investments in PR. It is an achievement of the commercial success, promoting a society sustainable development at observance of ethical principles. It consists in tax laws observance, granting of workplaces and worthy wages, treatment and various privileges for employees, release of the qualitative goods, active interaction with local authorities and charities. It is not necessary to forget that this contribution is voluntary and it works within the limits of the general strategy of development of the enterprise.
According to the research of Association of the managers which one of the first has started to take up the issue of social responsibility the most significant signs of responsible behavior of business, according to socially active part of a society is:
Manufacture of the qualitative goods under the reasonable price
Protection of health and safety of employees
Environment protection
The contribution to the Russian economy
Struggle against poverty
Rendering assistance at acts of nature and accidents
Non-participation in any forms of bribery and corruption
Granting of the individual address social help
Support of the charitable organizations
Art and culture support
In spite of the fact that today there is a certain developed system of the organization of social activity of the enterprise, the company corrects its directions depending on a field of activity. Naturally, insurance companies which do not have any relation to manufacture and environmental contamination do not include obligatory ecological aspect in the social activity. Thus the help to schools, hospitals, the youth centers and pensioners gets great value for the insurer. Frequently insurers gratuitously incur risks on insurance of rare museum pieces and the cultural actions having social value.
It is clear that the insurance institute is in many respects focused on maintenance of stability of a society and this fact makes the observance of principles of social responsibility for insurance business especially actual. Now when we are speaking about social responsibility of the insurance company it often means the development of so-called “social” kinds: medical, insurance upon accident and so on.
It turns out that while developing these types of service the insurer greatly considers requirements of the insurer. Insuring dangerous objects and hydraulic engineering constructions the companies unload the state budget on liquidation of consequences of ecological and technological accidents. Giving a various set of services in the various prices the insurance company provides availability of insurance services so it means it considers interests of all levels of population.
Also I want to mention that the Ideology of insurance business, as a matter of fact, is also social. It helps people in case of troubles. In every insurance portfolio there are the programs calculated on various social groups. They are trying to vary price offers on the services that they were accessible to the maximum number of citizens. For example, they also offer special kinds of insurance for young sportsmen and schoolboys. Today the successful insurance company should be socially responsible.
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