The subject of research in the article is the transformation of labor and labor relations in modern insurance. This transformation is due to the transition to a new technological structure based on digitalization, as well as comprehensive informatization of all aspects of public life. The hypothesis that served as the impetus for writing this article is the provision that modern digitalization, unlike its previous automation and informatization, does not aim at increasing the productivity of human labor, but at completely eliminating a person from the production process. In the course of work on the article, the authors used materials from the largest recruiting agency HeadHunter, and also conducted their own research in the form of a survey of insurance market specialists on the issues of transforming labor relations and the demand for new competencies. As a result, it is shown that significant transformations occur both in the content of labor processes and in the competencies that employees should possess. The changes that are taking place impose new requirements on the quality of human capital, a new paradigm of human capital management is being approved, in which the employee is considered not only as an object, but also as an independent subject of management. The transformation of the basic factors (economic, technological, social) of labor relations in insurance is considered.
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