Science and Education in Karakalpakstan issn 2181-9203 Science Magazine chief editor

Science and Education in Karakalpakstan. 2023 №2/1 ISSN 2181-9203 
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the Association from within. This system provides a high degree of democratic organizational 
structure, while mutual trust between its members is ensured through their good acquaintance with 
each other. These associations, which are members of the association, mainly carry out the 
following types of insurance as standard types of insurance: insurance of agricultural machinery and 
equipment; real estate insurance; insurance of crops and other agricultural products; livestock 
insurance; loss of profit insurance; liability insurance, including insurance against environmental 
pollution. [4]. 
Main part 
Second Level of Governance: Associations of Mutual Insurance Societies In Ontario, 
Canada, the following three USJs work closely together (historical origins and development also 
coincide: 
1) "Association of Mutual Insurance Societies of Ontario", uniting in its structure 51 mutual 
insurance societies. More than 250 thousand people use the insurance services of the association. At 
the same time, the Association is engaged in education, collection and analysis of statistical data 
and protection of farmers' interests before the state. 
2)"Association for mutual reinsurance of agricultural risks" (Farm Mutual Reinsurance Plan, 
FMRP). The association was founded in 1959 and unites 51 mutual insurance companies engaged 
in the reinsurance business. Today the association is engaged not only in mutual reinsurance of the 
risks of its members, but also, reinsurance of risks of commercial insurance organizations. 
3)” Fire Mutual Guaranty Fund. The association specializes in the consolidation 
(consolidation) of fire insurance operations. 
At this second level of self-control, there is no direct dialogue with insurers. The main tasks 
performed by these associations are the accumulation of insurance reserves, the distribution of 
accepted risks in time and place, and the organization of reinsurance coverage. In addition, one of 
the important tasks performed by the associations is to carry out actuarial calculations. Mutual 
insurance companies are not entitled to apply tariffs lower than the tariffs recommended by the 
Association. 
Third level of government: Union of Associations. 
This is the highest level of control over the insurance conglomerate Farm Mutual Financial Service 
Inc. (FMFS), founded by the three associations listed above.The main tasks of the FMFS are: 
1) formation of a strategy for the development of the institute of mutual insurance in 
Canada; 
2) formation of marketing policy and development of the service of associations in the 
insurance market; 
3) attracting new policyholders to local Mutual Insurance Societies; 
4) coordination of the activities of associations; 
5) consulting services. 
Representatives of the self-regulatory systems of the two lower levels act as managers of the 
FMFS. Thus, the formation of all management structures is carried out on the principles of election 
and consideration of the interests of all members. This will preserve the principles of democracy 
and flexibility. [1]. 
It should be noted that the relationship of mutual insurance societies with the state is not part 
of the direct task of the FSFS. This task is included in the second level of management, that is, in 
the task of associations. From this it becomes clear that the bulk of scientific and analytical work is 
carried out at the second level of self-control. Legislative and economic regulation of the activities 
of participants in mutual insurance is carried out mainly within the framework of this second link. 
At the third highest level of self-government, future relations with the state take place on strategic 
development issues. 

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