SUPPLY CHAIN INSURANCE AS AN ELEMENT OF ANTI-CRISIS STRATEGY OF ENTERPRISES IN UKRAINE

Abstract

The article examines the role of supply chain insurance as a tool of anti-crisis management of enterprises in Ukraine under conditions of martial law and post-pandemic instability. The relevance of the study is determined by the growing vulnerability of supply chains to external shocks, including military threats, disruptions in logistics infrastructure, energy crises, and cyberattacks. The purpose of the article is to systematize insurance mechanisms for protecting logistics processes and to substantiate the integration of insurance into the system of preventive anti-crisis management of enterprises. The article analyzes the current state of the Ukrainian insurance market and identifies key risks affecting the continuity of supply chains. The main insurance mechanisms for protecting logistics processes are systematized, including property insurance, business interruption insurance, credit insurance, cargo insurance, and war risk insurance. Special attention is paid to the new segment of war risk insurance, which has been developing in Ukraine since 2022 with the support of international reinsurance pools and guarantee programs of international financial organizations such as the European Bank for Reconstruction and Development. The article proposes a model for integrating insurance protection into the system of preventive anti-crisis management, which includes three interrelated blocks: financial diagnostics, insurance shield, and business continuity. The practical significance of insurance for maintaining liquidity and operational continuity of business is substantiated. The scientific novelty lies in the conceptualization of supply chain insurance as a structural element of anti-crisis strategy, rather than a separate financial service. The conclusions emphasize that in the current conditions of permanent stress and high volatility, insurance performs the function of an external stabilizer of cash flow, providing enterprises with a time lag for implementing recovery plans without immediate default.