STATE POLICY FOR ENSURING PUBLIC SAFETY IN UKRAINE: ECONOMIC MECHANISMS AND INSURANCE SYSTEMS DEVELOPMENT IN MODERN CONDITIONS

This research examines the contemporary economic mechanisms of state policy for ensuring public safety in Ukraine under modern socio-economic conditions. The study analyzes the development of insurance risk systems as effective economic instruments for enhancing regional security during large-scale crisis situations. The research explores the financial mechanisms of safety systems, including legal, organizational, and technological instruments for economic regulation of population safety levels based on risk insurance systems. Special attention is given to the Ukrainian context of 2025, considering recent legislative changes including the new Insurance Law (Law No. 1909-IX), National Bank of Ukraine regulations, and war risk insurance mechanisms developed due to ongoing security challenges. The study develops scientific and methodological recommendations for implementing socio-economic mechanisms in safety systems, focusing on additional financial support mechanisms and their practical application in Ukrainian regions. The research methodology includes analysis of international practices, comparative study of foreign insurance systems, and evaluation of Ukrainian legislative framework adaptations. Key findings demonstrate that insurance systems become effective economic instruments for regional security enhancement during large-scale crises, while additional financial mechanisms create conditions for crisis prevention and post-disaster recovery. The study proposes strategic approaches for developing specialized funds, improving regulatory frameworks, and establishing public-private partnerships in safety insurance. Results indicate that modern insurance mechanisms in Ukraine should integrate EU standards while addressing specific wartime challenges, creating sustainable financial frameworks for population protection and infrastructure resilience. The research contributes to understanding how economic instruments can strengthen state safety policies through innovative insurance solutions and diversified funding mechanisms.