Human capital as internal factor of business financial risk

Human resources of any organization is a valuable asset that provides her income, economic and financial security in the long term. Many employers buy for employees corporate policies of personal insurance. Traditionally, compulsory and voluntary insurance of employees is considered as an element of the social package or the part of employee compensation, which can take many forms. However, many types of risk covered by such policies, have a negative impact not only on the finances of the employee, but also lead to additional costs and losses to employers. The article analyzes the risks associated with the use of company of labor resources. Here we determine the impact of these risks on the financial resources of company, give the recommendations on the use of different types of insurance to regulate such risks and solving other management problems.