research-focus Research Focus International Scientific Journal Research Focus 2181-3833 Ilm-fan va innovatsiyalar akademiyasi 10.66073/researchfocus.v5i6.2390 REL-A-013504 12.00.00 EKOLOGIK SUG‘URTANI HUQUQIY TA‘MINLASHDA XORIJIY TAJRIBA FOREIGN EXPERIENCE IN THE LEGAL FRAMEWORK FOR ENVIRONMENTAL INSURANCE ЗАРУБЕЖНЫЙ ОПЫТ ПРАВОВОГО ОБЕСПЕЧЕНИЯ ЭКОЛОГИЧЕСКОГО СТРАХОВАНИЯ Usmonov Vosid Muhammadievich Toshkent irrigatsiya va qishloq xo‘jaligini mexanizatsiyalash muhandislari instituti – “Milliy tadqiqot universiteti”, katta o‘qituvchi, yuridik fanlar bo‘yicha falsafa doktori (PhD). E- mail: Holiqova Nargiza Shermamatovna “Milliy tadqiqot universiteti”, Ekologiya huquqi fakulteti, Yurisprudensiya yo‘nalishi, 4- kurs, 407-guruh talabasi 05 07 2026 2026 5 6 99 105 https://creativecommons.org/licenses/by/4.0 Ushbu asar Creative Commons Attribution 4.0 International litsenziyasi asosida litsenziyalangan.

Mazkur maqolada ekologik sug‘urtani huquqiy ta‘minlashning nazariy va amaliy jihatlari, uning atrof-muhitni muhofaza qilish hamda ekologik zararlarni qoplashdagi ahamiyati tahlil qilingan. Unda AQSh, Germaniya, Fransiya, Buyuk Britaniya va Yevropa Ittifoqi mamlakatlarining ekologik sug‘urta va ekologik javobgarlikni tartibga solish bo‘yicha tajribasi o‘rganilgan. Xorijiy tajriba asosida O‘zbekistonda ekologik sug‘urta tizimini takomillashtirish, ekologik xavflarni baholash, sug‘urta mexanizmlarini rivojlantirish va ekologik zararlarni qoplashning huquqiy asoslarini mustahkamlash bo‘yicha takliflar ishlab chiqilgan.

This article analyzes the theoretical and practical aspects of the legal framework for environmental insurance and its importance in environmental protection and compensation for environmental damage. The experience of the United States, Germany, France, the United Kingdom, and the European Union in environmental insurance and environmental liability regulation is examined. Based on international experience, proposals are developed to improve the environmental insurance system in Uzbekistan, strengthen environmental risk assessment, develop insurance mechanisms, and enhance the legal framework for compensation of environmental damage.

В статье анализируются теоретические и практические аспекты правового обеспечения экологического страхования, его значение в охране окружающей среды и возмещении экологического ущерба. Рассматривается опыт США, Германии, Франции, Великобритании и стран Европейского Союза в сфере экологического страхования и правового регулирования экологической ответственности. На основе зарубежного опыта разработаны предложения по совершенствованию системы экологического страхования в Узбекистане, оценке экологических рисков, развитию страховых механизмов и укреплению правовых основ возмещения экологического ущерба.

 ekologik sug‘urta ekologik xavf ekologik zarar ekologik javobgarlik atrof-muhitni muhofaza qilish sug‘urta shartnomasi sug‘urta tovoni ekologik xavfsizlik xorijiy tajriba environmental insurance environmental risk environmental damage environmental liability environmental protection insurance contract insurance compensation environmental safety international experience экологическое страхование экологический риск экологический ущерб экологическая ответственность охрана окружающей среды договор страхования страховое возмещение экологическая безопасность зарубежный опыт O‘zbekiston Respublikasi Konstitutsiyasi. – Toshkent, 2023. O‘zbekiston Respublikasining “Tabiatni muhofaza qilish to‘g‘risida”gi Qonuni. O‘zbekiston Respublikasining “Sug‘urta faoliyati to‘g‘risida”gi Qonuni. O‘zbekiston Respublikasining Ekologik kodeksi. O‘zbekiston Respublikasining “Chiqindilar to‘g‘risida”gi Qonuni. O‘zbekiston Respublikasining “Ekologik nazorat to‘g‘risida”gi Qonuni. O‘zbekiston Respublikasining “Ekologik audit to‘g‘risida”gi Qonuni. O‘zbekiston Respublikasining “Ekologik ekspertiza, atrof-muhitga ta’sirni baholash va strategik ekologik baholash to‘g‘risida”gi Qonuni. European Parliament and Council. Directive 2004/35/EC of 21 April 2004 on environmental liability with regard to the prevention and remedying of environmental damage. – Official Journal of the European Union, L 143, 2004. European Commission. Environmental Liability Directive: Prevention and remedying of environmental damage. United States Environmental Protection Agency (EPA). Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA). OECD. Environmental Liability and Risk Management: Environmental policy and economic instruments. United Nations Environment Programme (UNEP). Environmental Law and Sustainable Development. International Association of Insurance Supervisors (IAIS). Environmental and climate-related risks in the insurance sector. German Environmental Liability Act (Umwelthaftungsgesetz). Pollution-related Health Damage Compensation Law of Japan. Environmental liability and insurance: international approaches to environmental risk management. Environmental insurance and environmental liability: comparative legal approaches.