In the nowadays conditions of uncertainty, one of the most important factors of financial resources management is represented by the risk which is estimated both by managers, shareholders and the creditors of the company for whom the main guarantees are the company's assets. Economic activity exists within a frame of risky situations, especially the risks generated by the financing solutions accepted by the company. In both, national and international practices, external financing, especially borrowing, has an important share in the total amount of resources. Moldavian companies usually prefer cash payments due to high level of insolvency risk. The increase of insolvency risk is the consequence of instability that local companies are facing with. An efficient management of the business means identifying risks, their measurements and the last but not the least, finding solutions for their optimization. To achieve this goal a wide analysis of all the methods and techniques of risks minimization is needed, in order to find those tools which will allow the sustainable development of the company. One of the solutions is given by the insurance companies, which allow a sustainable development of the company's activity by taking a part of its financial risks.