The book outlines the basics of modeling risks in insurance with minimal use of the apparatus of probability theory and mathematical statistics. The main elements of the structural model are considered - the number of insurance events, the size of an individual claim, the total amount of claims. Various methods of finding functions of the distribution of studied random variables are analyzed in detail - analytical, tabular and methods based on approximation and simulation modeling. The tasks of qualitative and quantitative assessment and optimization of insurance models are studied.