Insurance is a type of economic activity focused on insurance protection, in which risk is transferred between insurance market participants by insurance. The aim of the paper is to define the assumptions of determining the level of influence of information asymmetry on the decision-making of actors in the process of risk assessment and management in the company's activities, with the possibility of eliminating risk in the future. The paper is current from the client's point of view on risk perception, its identification, prevention, the possibility of its elimination by insurance, with regard to the asymmetry of information of individual actors (insurance company - reinsurance company - broker - client, hereinafter P-M-K). The company is currently faced with a new problem, which is liability without transferring the risk to a third party, ie state involvement. The defined assumptions in the paper will allow to propose some new solutions and new processes between PMK, which can significantly help in risk assessment and elimination under acceptable market conditions, especially in the area of unmanaged and modern risks resulting from dynamic market environment, changing legal standards and social change.