The insurance industry in the digital economy is considered, new trends in insurance are identified, and issues of providing insurance products and the use of new technologies in the field of insurance are studied

This article discusses the prospects of applying financial technologies in insurance products and their impact on new opportunities and challenges within the insurance sector. Financial technologies such as artificial intelligence, big data, blockchain, mobile applications, and digital payment systems enable the personalization, automation, and acceleration of insurance services. The article also explores the challenges companies face when implementing these technologies and the ways to overcome them

The article presents the features of insurance in the tourism sector and the classification of risks faced by this industry. The conditions for providing insurance services in the tourism sector, types of insurance products, points of interaction between insurance and tourism activities, problems of joint activities and ways to overcome them, as well as development measures are analyzed.

The article analyzes the development of insurance companies in the digital economy, changes in their business processes, the introduction of digital and financial technologies in the industry, as well as the competitive advantages they provide to companies.

The article examines the role of insurance companies in the development of green investments as an important direction of sustainable financing. It analyzes the theoretical foundations, key principles, and main areas of green investments in the insurance sector. Special attention is given to the advantages and challenges faced by insurance companies when integrating ESG criteria into their investment practices. Recommendations are presented to improve green investment mechanisms, including standardization of reporting, implementation of digital technologies, and development of specialist competencies.

Digitalization and automation processes provide tremendous opportunities for the development of tourism organizations. At the same time, they are accompanied by financial risks, since modernization involves a profound change in business processes, the development of new information systems and a long-term restructuring of the entire operation of the enterprise. Thus, a situation arises in which, on the one hand, the company may be overtaken by the risks associated with the digital divide, and on the other hand, the risks associated with the introduction of new technologies into business processes.

The article analyzes the rating systems introduced in our Republic in various areas. It also identifies the specific features of rating systems and reflects their features in determining the customs rating of foreign trade activities of business entities. It also touches upon the principles that should be taken into account when implementing the rating system, and lists important principles. In addition, attention is paid to the importance of using digital technologies and integrating them with other relevant organizations in calculating rating points, and relevant proposals and recommendations are developed.

Based on the program of rapid development of the national economy and ensuring high growth rates of the New Development Strategy of Uzbekistan for 2022-2026, determined by the President of our country Mirziyoyev, and in order to ensure its implementation, the quality of property value assessment, including the market value of real estate in the insurance process who mentioned the necessity and urgency of improving research on increasing efficiency. The situation in the real estate market for the first half of 2022 was analyzed by the Center for Economic Research and Reforms. The volume of sales on the real estate market in Uzbekistan increased by 6%. According to the results of the analysis, 126,000 real estate sales contracts were signed in Uzbekistan in the first half of 2022, which is 6% more than in the same period of 2021 (119,000). Therefore, improving the management of real estate objects on the basis of digital technologies is one of today's priority tasks. This article describes the role of trust management in improving the efficiency of real estate management and their introduction to the national real estate market.