Presentation on the topic of business plan for an insurance company. Sample business plan for an insurance company

Even taking into account the fact that the insurance market today is occupied by many entrepreneurs, this still remains promising direction for new companies, due to the constant emergence of new insurance products.

Specifically, examples include insurance services jewelry or the manufacturers of such expensive products themselves. If we are talking about big city, then insurance for joint construction of a property is popular, for example. In any case, if you wish, you can find your own small niche in this business without any problems. To do this, you will have to analyze the local market for services and write down all the necessary information in the business plan of the insurance agency.

Registering your own business

Let us immediately note that it is best to consider the option of registering an LLC; a closed joint-stock company or an open joint-stock company are also suitable. It is best to find out the details of this or that option from government officials.

As for choosing the correct registration of OKVED, it is best to choose all the options that contain the word “insurance”, unless you have already decided specifically what you will do. Otherwise, in the future you will be able to expand your services to insure something else. In addition, insurance companies often conduct assessments and examinations, which will also need to be selected at the registry.

We note that if you plan to engage in life insurance, then pay attention to the authorized capital of the company, which should be at least 20,000,000 rubles. This issue must be approached responsibly.

Obtaining permits

Be prepared for the fact that the process of obtaining a license for this type of activity is very long. Its duration can be from six months to one and a half months. In order for your application to be accepted and the process of creating a license to begin, you will need to have the following documents with you:

• company business plan;
• a complete list of all agency founders;
• the insurance principle by which the company will operate;
• cost of services.

Let us also draw your attention to the fact that not only all the documents that you provide to the authorities will be checked, but also your competence in insurance matters as a project manager. After a positive result of all checks, you will receive the necessary permits, and information about you will be added to the general register of insurance companies in the country.

Selecting a room

Most likely, in such a business it will be very difficult to manage with only one room. If we consider large insurance agencies, then they have Main office, which is located in the city center. As a rule, such a room will have an area of ​​at least 400 square meters. Small branches will also be opened in various remote parts of the city, where clients are received and negotiations are conducted with them.

If we consider the opening of such a business from an ideal point of view, then in a big city you will need to open your own branch in each district. Moreover, your offices should always be placed in visible places. If desired, also provide services expert assessments For such matters, you will also need to rent a separate room.

It wouldn’t hurt to come up with some kind of unique uniform for all your employees, as well as make the interior of the offices the same so that the company’s brand is recognizable by customers.

Recruitment

First of all, the company must have professional and experienced management. But without insurance agents, there is no way to raise your own business to a high level. Thanks to the actions of such people, your company will receive new customers, and, therefore, money. Of course, you will also need to hire inexperienced employees who are just taking their first steps in the insurance business, but want to learn how to do everything right and make good money. But on initial stage, you will need to try to find professionals in their field. As you already understand, this is not very easy to do, because experienced and professional insurance agents They earn a lot as competitors and no one wants to let them go. The only option to lure them is to do more profitable terms work that will cost you a lot.

To achieve such goals, so that employees do their work with great desire and full dedication, you will need to provide them with excellent wages. If we consider practice, companies give their subordinates a fixed salary for any number of transactions, plus a large percentage for the sale.

Expenses

On average, to organize such a business you will need at least 20,000,000 rubles. The initial capital must be at least $500,000.

During the opening process, you will need to spend money on items such as:

• rental of premises;
• equipment;
• advertising campaign;
• employee salaries;
• advertising your services.

Despite the fact that the insurance market is sufficiently developed, the current situation in this sector is such that opening a new insurance agency may be difficult. profitable idea based on needs target audience.

In the capital and other large cities, insurance services from jewelry companies are often sought. Insurance of financial risks arising during the joint construction of residential or non-residential facilities is in demand in megacities. You can always find your niche for opening an agency by conducting a thorough analysis of the insurance market for available services. To do this, taking into account all the features outlined below, they create a business plan for an insurance agency. One of the possible options is a franchise or branch of an already popular agency. Such a project could be a good starting point in the future for a new and independent agency.

Features of the insurance agency business plan project

The essence of the project is to create an agency for insurance of life and health, property and other valuables. the main objective business plan - assess the prospects and economic efficiency project to create an insurance agency from scratch. The plan can be used as Commercial offer when negotiating with a potential investor or when obtaining a commercial loan.

The project implementation is planned for 2 years.

During this period it is planned to achieve the following goals

— creation of a profitable enterprise;

— meeting the needs of the target audience in the field of life and property insurance for both individuals and legal entities;

- obtaining high profits.

The main financial aspects of a new business are as follows:

- the period within which the company will recoup everything starting investments and will reach the level of profitability – 2 years. Under favorable conditions - earlier;

— total cost project (the amount of a commercial loan that is planned to be issued at the beginning of the activity) - 1 million 200 thousand rubles;

— loan payments will begin from the first month of the enterprise’s activity. During the first two years total amount payments will reach 82 thousand rubles;

— interest rate on a loan - 17.5%. In the future, this figure may be reduced;

- general economic effect from the sale of services over the indicated period, under favorable conditions, will reach 84 million.

In general, starting a business in the insurance industry will be characterized by a low level of costs. But in order to avoid losses and have the opportunity to develop in the chosen direction, you need to think carefully about all areas of activity and draw up a clear plan for all upcoming stages.

Features and prospects of working as an insurance agent - in the video:

Features of the insurance company's activities

By offering life insurance and various types of property as its main services, the company immediately identifies the approximate circle of its clients. The target audience of the insurance company is very wide. First of all, these are private individuals who insure their lives in case of illness or death, accident or work injury. The second, more extensive and highly paid category is insurance of movable and real estate individuals, as well as organizations and enterprises.

Many insurance companies offer too many types of services at once. This may complicate entering the market, as it will require too much time and money, as well as attracting a large number of specialists. Therefore, it is worth starting with a limited list of services, with a main focus on serving individuals and providing a limited range of services to enterprises and organizations.

The operating principle and procedure of an insurance company largely depends on the type and scale of its activities. But in general general order includes the following responsibilities of the insurer:

— drawing up insurance programs of all types provided for in the strategy. At this stage, all financial aspects are calculated and a specific insurance proposal is developed;

— signing an agreement with a client - an individual or organization;

— receipt from the policyholder of the first insurance payment, of which 15% is received by the insurer as a commission and payment of expenses incurred, and the remaining amount goes to the insurance reserve. The insurance reserve, in turn, is divided into 2 parts: 70% for the accumulative reserve and 15% for the risk reserve. Both reserves are invested in instruments provided by law;

— upon the occurrence of an insured event, agency specialists review all submitted documentary evidence and make a decision on the advisability of making insurance payments, their amount and procedure.

The procedure for insurance and payments may differ slightly, but the principle is standard for all organizations. It is determined by relevant legislation. True, organizations can have different sales channels - both direct and brokerage channels are active in the market. At the same time, on domestic market The share of the brokerage channel for sales of insurance services is still quite low and amounts to less than 4 percent. The Russian insurance system is characterized to a greater extent by the participation of non-insurance intermediaries - banks, travel agencies or car dealers. Vivid examples are MTPL and comprehensive insurance policies.

Internet insurance today also represents not only direct sales of insurance services. Over the past few years, the number of Internet agents performing intermediary functions has increased significantly.

Registration

The insurance company can be immediately registered as an LLC. There are other types of legal entities. But society with limited liability will be the most convenient and beneficial for a start-up organization. When drawing up the charter for the LLC being opened, you need to list in detail the planned services of the agency, not forgetting about additional and auxiliary offers. When filling out the documents, you must provide all activity codes of the new company. For this purpose, a specialized OKVED classifier is used. In it, one or more suitable activity codes are selected. No matter what they may be additional types activities, they must be related to insurance and must be separately indicated when drawing up the application. For example, this could be damage assessment, which has a direct connection with insurance.

A mandatory condition for creating an LLC is the contribution of the authorized capital. Its size largely depends on the services provided by the campaign. The higher the value of the services (for example, life insurance of the client), the larger the authorized capital. But the minimum amount is 10 thousand rubles.

Of the other required when opening legal entity documents - the charter, the decision to create an LLC (or another form), the decision to appoint a manager and, if there are several founders, the minutes of the meeting of the founders.

License. Certificate

The agency can act on the basis of a special permit - a license for the services provided. All legal requirements regarding types and forms of insurance, as well as licensing and certification, are contained in the specialized federal law “On the organization of insurance business in the Russian Federation” ().

You must first pass the certification required by law. This process is quite complex, it takes place under the guidance and control of the Ministry of Finance and requires a long time - usually certification takes up to a month. To complete it you will need a package of documents, including:

1. Insurance rules.
2. Documentation for opening a campaign.
3. Tariff calculations.

The specificity of the campaign is that everyone the new kind insurance requires the preparation of new documents. In addition, the head of the company must confirm his qualifications in this field. The success of the undertaking will depend on the work experience of the manager himself, the number of positive feedback about his activities.

The result preparatory work the enterprise will be included in the profile State Register after receiving a license. The entire licensing process will take up to six months, so you need to take care of this in a timely manner.

Regulatory documents that must be studied before starting work:

Stages of creating a business

The basic sequence of actions for opening an insurance agency is as follows:

- strategy Development future company;

- preparation of marketing and financial plan;

— renting or purchasing office space, equipping it and preparing it for opening;

More detailed plan insurance agency includes the following stages:

Premises and equipment

The main condition for the selected office space is good access to it and the availability of convenient parking for clients’ personal vehicles. There should be good transport links nearby - a metro station and stops public transport for clients who do not have their own car. At the entrance, a noticeable sign is required that will orient visitors and serve as an advertisement.

The room may be small, but spacious enough to accommodate several employees and the opportunity to meet with clients. Maximum area - 150 sq. m, but maybe less. The design of the office as the face of the agency is very important. This issue needs to be given much attention great attention: There should not be any bright, emphasized decorative details here. Clients are more attracted to a strictly business-like appearance, which speaks of the company’s reliability.

The purchase of office equipment will be important stage opening a company. At the first stage you need to purchase:

— desks and chairs for employees in the quantity necessary to provide furniture for the entire team;

— chairs, armchairs or sofas for waiting by clients;

- computers with high-quality software for all specialists;

- another Office equipment– printers, scanners, copying machines;

- connection to telephone and Internet.

To create a comfortable atmosphere, the workplaces of specialists should be demarcated. You can equip several separate small offices. If this is not possible, the room is zoned using screens.

Staff

At the time of opening the agency, there should be no more than 10-20 employees on staff. A larger staff will be too expensive to maintain on a monthly basis. In addition, a start-up insurance agency is unlikely to be able to count on a large number of clients. The team will include:

• manager,
• accountant,
• lawyer,
• insurance agents.

The main responsibility of insurance agents is to independently find clients to provide them with insurance services. Otherwise, you will have to wait a long time for the company to develop. By preliminary plan, in the first 2 years, as the company develops, it will be necessary to increase the team to 100 - 150 full-time and freelance agents.

As business opportunities expand, the number of employees and insurance agents will also grow. And for the business to develop, there must be insurance agents on staff who can convince and sell insurance services. The more services are sold, the better the insurance agency will do. The company's profit will depend on this.

In order to accurately recruit a professional staff, you need to familiarize yourself with a large number of applicants and select only the most professional and experienced. In order to retain new employees, you need to create the most favorable working conditions, interest agents with a positive bonus, possible career advancement, and a good percentage of the services they sell. You can also go by training beginners using special training. It is advisable to use these two types of work with agents simultaneously. Be sure to hire several experienced insurance specialists who do not require training.

The dress code of employees is one of the optional, but important conditions. Strict appearance emphasizes the authority of the company and the professionalism of its specialists.

Marketing. Basic strategies for attracting clients

A marketing campaign should begin with studying the state of the market, current trends and dynamics. Important in the functioning of the insurance market there are crisis phenomena that periodically affect the general state of the economy. Thus, in 2008–2009 and 2013–2014, the insurance market significantly reduced its activity, which is natural due to the international and domestic crisis. At the present time, the echoes of the last crisis are still being felt by most insurance agencies, especially small market participants. To cope with this problem and retain customers, you need to offer more favorable conditions, comprehensive packages insurance, necessarily improving the quality of services.

Statistics show that despite some negative trends, the insurance market is still growing and expanding. A particularly popular area is life insurance: every year this service is in increasing demand. If we analyze the insurance situation in the country as a whole, we can conclude that as a result of the crisis, the total number of companies on the market has decreased. At the same time, only strong and competitive participants remained in this segment.

The driving force of an insurance agency forward is the advertising of each individual insurance service, since the work of an insurance agency is the sale of insurance services.

With each specific insurance service, they need to go to the target audience of customers, sometimes mixing them. A profitable solution would be a “two in one” offer - a discount when insuring two objects at the same time.

With a small starting capital and the impossibility of providing a wide range of insurance services at once, you can focus on one type of service. It is important that this direction is not yet widespread enough on the market or is completely new. In the absence of competition, you can achieve high results in business development. And as the business develops in the future, add new insurance services.

According to statistics, the following advertising methods work best:

— Internet: creation and promotion of a website, posting information about insurance services on thematic websites, using banner and contextual advertising;

— Media, especially the use of thematic publications. This will allow you to reach the target audience as much as possible;

A good method would be to offer services directly to potential clients - organizations and enterprises - in the form of online newsletters with information about current service packages. Customer reviews are one of the best methods progress in this area. This is due to the high cost of insurance services and the low level of consumer confidence in little-known and untested companies.

How to open your own insurance business in a short time - in the video:

Finance

First, you need to count on a minimum capital of 20 million rubles. Having such an amount will allow you to confidently start a business and not be afraid of a temporary lack of profit.

When opening an insurance campaign, you must count on the following main expense items:

Thus, the financial result regarding investments during the first year of the company’s operation is as follows: to open and develop an insurance company during the designated period, you need to have an amount of up to 6 million rubles available. This condition is relevant for small organization numbering several insurance agents. If a larger organization is initially opened, this amount can double. However this project provides for a gradual expansion of the company's scale.

The financial year begins in January. Just from the beginning of the year the deadline for implementation will be counted tax payments. The list of taxes for LLCs under the standard taxation system will be as follows:

The income part of the business plan should begin with drawing up an approximate pricing policy future agency. This indicator is determined taking into account the cost of the organization and the current pricing policy in the industry. The average tariffs for insurance services in the country today are as follows:

By dividing the entire 2-year period of opening and developing a business into 2 main stages - investment and operation, we can draw up next plan provision of services:

If in the future the current market trends continue, that is, an increase in the volume of services provided in the amount of 10–22% per year, then the annual growth in the volume of sales of the company’s services will reach more than 58 million rubles per year.

To overcome difficulties at entering the market and smoothly pass the entry barrier, it is imperative to attract highly qualified specialists and use high-quality equipment. Competent marketing strategy and a well-thought-out advertising campaign. To find the best specialists, it is necessary to allocate approximately 1 month for the search for personnel, selecting the best through interviews.

Risks

When planning the income of an enterprise, be sure to take into account all possible risks.

The main ones

— high level of competition in the insurance industry;

- lack of proper trust among potential clients, especially private individuals;

— high level of competition in the industry for positions of top managers and specialists in other areas;

— high level of capitalization of investments.

The conclusion about opening an insurance agency as a type of business may be as follows. First of all, such an enterprise is potentially highly promising and profitable, characterized by high profitability and constantly increasing demand among potential clients. All these advantages occur when competent organization work of the company and timely completion advertising campaign. The weak points of this industry are: high competition, maintaining distrust among the target audience and lack of specifics in legislative framework. Future prospects insurance business will depend on the general economic situation in the country, the quality of legislative regulation of this issue, as well as competent business planning by each entrepreneur.

The main features of opening an insurance agency are in the video:

Insurance today is considered one of the most promising and fastest growing areas Russian business. The generally accepted classification includes three main types of insurance: personal, property and liability. Auto insurance should be highlighted in a special category, which is attracting more and more large quantity entrepreneurs every year.

The interest shown by enterprising people in this type of activity is understandable - the number of cars is steadily growing, and at the same time the share of Vehicle purchased on the primary market. Most people who buy a new car prefer to protect themselves from the risk of damage or theft of property by concluding a CASCO agreement. In addition, motor third party liability insurance (MTPL), recognized as mandatory in our country since 2003, does not lose its relevance today. Learning how to open an auto insurance office and what types of work patterns exist in the industry will help you establish own business with good prospects.

IN in a broad sense insurance is special kind relationship between two entities, one of which, the policyholder, is interested in protecting himself, his property and his liability from the occurrence of all kinds of adverse events. For this purpose, he enters into an agreement with the insurer, in which mandatory the object of insurance, the amount of the insurance premium, as well as the amount and procedure for making payments are indicated.

The insurer, in turn, having a certain capital, assumes obligations to compensate for damage to the policyholder upon the occurrence of an insured event within the framework established by the contract and current legislation. The goal of any insurer, as an entrepreneur, is to make a profit, and the effectiveness of such a business directly depends on the number of transactions concluded. You can ensure the financial stability of your enterprise only by creating a sufficient insurance fund.

Important! You must understand that insurance in general, and car insurance in particular, is a rather risky activity, since the occurrence of an insured event, and therefore the need to make payments several times higher than insurance premiums, does not depend in any way on the entrepreneur providing such services.

As for the objects of activity, auto insurance as a business provides for 2 fundamentally different areas:

• CASCO property insurance is voluntary, the object is the car itself, it is insured against possible damage, as well as theft;
• compulsory liability insurance OSAGO - the object is recognized as the property interests of the car owner, which are associated with obligations arising as a result of harm to the health and life of third parties, as well as their property (in other words, in the event of an accident that occurred through the fault of the insurer, possible damage to the participants in such an accident is compensated Insurance Company within the limits specified in the contract).

As domestic practice shows, it is inappropriate to work in only one direction. The fact is that compulsory motor liability insurance is strictly regulated by government authorities; tariffs for this type of insurance are set exclusively by the Government of the Russian Federation. The insurance entrepreneur cannot influence the final cost of the policy. According to experts, a business designed only for the sale of MTPL insurance is obviously unprofitable.

In turn, CASCO opens to the insurer good opportunities for earning money, as it involves independent management of tariffs and correction factors. However, due to its high cost, and also because it is not mandatory, CASCO is in much less demand among car owners.

The optimal solution for a car insurance business is to combine both directions, as well as provide additional paid services, For example:

• assessment and examination;
• assistance in case of road accidents;
• life insurance;
• providing technical assistance in case of an accident.

All these items can be included in the cost of insurance.

Having gained a general understanding of auto insurance, let’s look at issues related to organizing a business.

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If you are aiming to create your own business selling auto insurance products, you can follow one of the paths presented below. The choice will depend primarily on what starting capital you have, as well as on the scale of the enterprise you want to build.

Option 1. Creation of an insurance company

This option is the most expensive and time-consuming. When opening an insurance organization, you must be guided by the requirements of Russian legislation, namely:

• Chapter 48 of the Civil Code of the Russian Federation;
• Law “On the organization of insurance business in the Russian Federation”;
• the federal law No. 40-FZ “On compulsory insurance of civil liability of vehicle owners.”

According to the above regulatory documents, the insurance company must have the status of a legal entity, that is, in order to obtain a work permit, it is necessary from the tax service.

In addition, such a company will need a license to carry out insurance activities. Since 2013, the licensing authority has been the Insurance Market Department of the Central Bank of the Russian Federation. To obtain a license, it is necessary to provide the licensing authority with documents indicating that the organization has an insurance reserve sufficient to conduct its activities. The main requirement is the presence of fully paid authorized capital in the amount of at least 120 million rubles.

Important! It is not allowed to contribute to the authorized capital borrowed funds and property pledged.

The requirements for a licensee in the case of auto insurance also include:

• minimum work experience in the field of CASCO and OSAGO insurance – 2 years;
• the presence of an authorized representative in each of the constituent entities of the Russian Federation;
• Access to automated system compulsory insurance;
• membership in a professional association, which is the Russian Union of Auto Insurers (RUA), etc.

The law also establishes requirements for the insurance portfolio of such organizations. The amount of insurance premiums (contributions) that fall on OSAGO and CASCO insurance in total volume should not exceed 50%. That is, a company cannot only engage in vehicle and motor liability insurance; the scope of its services must be much broader to ensure financial stability.

It follows from everything that in order to open your own insurance company, you need to have large start-up capital and significant experience in the insurance industry. But along with this option, there are other, more affordable ways to make money on car insurance.

Option 2. Working as an agency

This is a simplified option for carrying out insurance activities and, in fact, it represents an intermediary scheme. That is, you do not need to create a legal entity and obtain the appropriate license. You can work in status individual entrepreneur and represent the interests of several existing insurance companies at once.

How to open a car insurance office? To do this, you need to perform several relatively simple steps:

• select the companies with which you will cooperate and make a request to conclude an agency agreement;
• pass interviews and prove your usefulness to representatives of insurance organizations, conclude contracts and, if necessary, undergo training (requirements for agents may vary);
• rent and equip office space with the ability to access the Internet;
• organize advertising of your services.

The profit of such a business will consist of an agency fee, provided as a percentage or a certain amount from each issued policy. Your effectiveness will depend entirely on your communication skills, activity and professionalism. More clients - more insurance issued - more profit.

The amount of monetary remuneration for agents is not usually disclosed openly; it can be clarified with representatives of a particular insurance company in person. If you believe the reviews of already operating agencies, earnings range from 10 to 30% of the cost of the policy.

The advantages of this format of work compared to opening your own insurance company include the fact that the entrepreneur risks virtually nothing. If an insured event occurs, cash payments are made by the insurer whose product was sold to the client.

Important! The insurance agent is responsible for maintaining the insurer’s data, which constitutes a trade secret, non-disclosure of personal data of clients (policyholders), as well as for the safety Money received from policyholders and proper use of insurance policy forms.

Opening an insurance agency according to the specified scheme is the most common option for a car insurance business, which does not require significant financial investments at the start, and at the same time, allows you to earn good money.

More details about the principles of operation of the insurance agency are described in the following video:

Option 3. Brokerage activities

Another option to build in the auto insurance industry is to become a broker. A broker is a classic intermediary. His difference from an agent is that he cannot represent one of the parties to the insurance contract. He has the right to act in the interests of one party or another as an independent insurance subject.

Thus, when carrying out brokerage activities, an entrepreneur, on contractual terms, can receive monetary compensation either from the insurer or from the policyholder (only from one party) for performing certain functions. Most often, it is policyholders who resort to the services of brokers, the most popular of which are:

• consulting in choosing an insurance company;
• assistance in drawing up a contract;
• selection of the optimal insurance product;
• support and amendments to the contract, etc.

The services of such intermediary enterprises are usually paid in the form of a set fee.

6.1. Organization of insurance and characteristics of insurance flows

6.2. Areas, forms and types of insurance. Insurance market

6.1. Organization of insurance and characteristics of insurance flows

The entrepreneurial sphere and human life are constantly associated with risks - natural, entrepreneurial, financial, etc. As a result of a natural disaster or certain unforeseen event, individuals and businesses may suffer damage. At the same time, the question arises about the source of its compensation. There are two possible options. The first is that this damage was covered by the financial resources that are in circulation with this entity. However, this means their diversion from their main purpose - ensuring life and production. The consequences of such diversion depend on the amount of damage and can manifest themselves either in a reduction in the increase in production and the scale of life, or in their reduction, or even cessation. Those. this option is very risky. The second option is to create special targeted resources intended to compensate for losses - reserve insurance funds.

The creation of reserve insurance funds, in turn, can be carried out in three forms:

self-insurance funds;

centralized insurance coverage;

collective insurance funds.

Self-insurance It is based on individual responsibility and lies in the fact that every legal and individual forms its own insurance (reserve) funds at the expense of its own resources and income. This is an expensive and irrational form.

Centralized insurance coverage It is based on state liability and provides for compensation of losses at the expense of national funds. At the same time, part of these funds is allocated to separate funds, for example, the reserve fund of the Cabinet of Ministers. At the same time, the insurance liability of the state is limited to emergency events, because public finances are intended to ensure the functions of the state, to which insurance does not belong. Insurance coverage for the current activities of legal entities and individuals is their prerogative and cannot be completely transferred to the state. Creation collective insurance funds, those. insurance is based on solidary responsibility of the participants of these funds. The essence of insurance relations is that the formation of insurance funds is carried out through contributions from all participants, and compensation for losses from these funds is carried out for those who experienced them as a result of certain events and circumstances.

Insurance is the most expedient, economical, effective and rational form of creating insurance funds.

Insurance - this is a system of exchange and redistribution relations regarding the formation and use collective insurance funds based on joint liability.

From the perspective of the targeted formation and use of insurancefunds- these are redistributive relations between thosesubjects who paid insurance premiums and those who receive compensation for losses. From a relationship perspectiveindividual entities with insurance companies-this is the price to pay for avoidancerisk (payment for peace), i.e. exchange relations. The placement of insurance funds on the financial market reflects relations regarding the trade of temporarily free financial resources, i.e. redistribution of resources between insurance participants and other subjects of financial relations.

The organization of the insurance business is based on the identification of insurance subjects and forms of insurance relations.

Main subjects insurance is the insurer, the policyholder and the insured person.

Insurer- legal entity - an insurance company that operates on the basis of an appropriate license, undertaking obligations to create a collective insurance fund and pay insurance compensation from it. According to the method of financial activity, the insurer is an ordinary business structure that operates on the basis of commercial calculation. In terms of its subject of activity (financial resources), the insurer is a financial institution.

Policyholder- a legal or natural person who, on the basis of an appropriate agreement with the insurer, pays insurance premiums to the insurance fund.

Insured person- a legal entity or individual who owns the insurance compensation upon the occurrence of an insured event. In addition, a subject may be identified as a recipient of insurance compensation in cases where the insured person cannot receive it.

Relationship Insurances are quite varied. As a rule, they are two- or three-sided. Bilateral relations develop between the insurer and the policyholder, who is also the insured. A tripartite relationship arises between the insurer, the policyholder and the insured.

In some cases, several insurers may participate in insurance relations. This is based on two forms of insurance relationships: coinsurance and reinsurance. Coinsurance - this is participation in the insurance of several insurers at once. Reinsurance is the transfer of an insurance contract from one insurer to another.

Insurance payments - this is a one-time or gradual transfer of funds by the policyholder to the insurer. They are the source of formation of both the collective insurance fund and the income of insurance companies. Insurance payments are made on the basis insurance rates- the amount of payment per unit of sum insured. The insurance rate consists of two parts - the net rate and the load. The net rate reflects that part of the tariff that is intended for payment of insurance compensation. It depends on the total amount of insurance compensation (determined on the basis of statistical studies on the number of insurance events and the average cost of compensation per event) and the number of policyholders covered by this type of insurance. The load reflects the insurer's expenses associated with insurance and its profit.

The insurance rate is the price of insurance. This is the main factor of competition in the insurance market. The more policyholders are covered, the lower the insurer's expenses, the lower the insurance rate and the greater the opportunity to attract new clients.

Insurance compensation- is the payment by the insurer to the insured (or recipient) of the full or partial amount of damage. The amount of insurance compensation depends on two factors - the insured amount and the insured loss. Sum insured characterizes the scale of this insurance operation, i.e. for what amount is this or that object insured? This amount is determined, on the one hand, by the valuation of the insurance object, and on the other, by the capabilities and wishes of the insured. The ratio of the insured amount to the valuation of the insurance object characterizes insurancesecurity, which cannot exceed 100%. Insurance loss represents a cost estimate of losses caused to the insured.

There are different systems for determining the amount of insurance compensation. The main methods are full and proportional liability. If the insurer is fully liable, insurance compensation is paid in the amount of damage caused, but not more than the insured amount. With a proportional system, liability is distributed between the insurer and the insured in a proportion that reflects the relationship between the sum insured and the value of the insurance object. For example, if the insured amount is half the value of the insurance object, then the insured will be paid insurance compensation in the amount of 50% of the amount of damage caused.

Reinsurance, as a rule, is not accompanied by cash flows associated with the movement of insurance fund funds between two insurers. In the relationship between the insurer and the reinsurer, there are cash flows that characterize the financial relations between them regarding the purchase and sale of insurance contracts. As a rule, they are carried out in the form of a commission. These relationships do not relate to insurance cash flows, since they do not characterize the movement of funds from insurance funds.

Relations with the financial market characterize the placement of temporarily free funds of insurance funds on it and the receipt of income from it. These incomes are divided into two parts. One of them generates the income of insurance companies and represents a certain part of their profit. The second part goes directly to the formation of insurance funds. It characterizes the reduction in the cost of insurance for policyholders through the use of their funds (insurance payments) in the financial market. This is an important component of the rational and efficient use of the country’s financial resources as a whole.

Insurance relations between insurance subjects and cash flows are governed by relevant agreements between the insurer and the policyholder, which have legal force. The document that certifies the fact of insurance is called insurance policy (certificate). It is issued by the insurer after payment of the insurance premium (one-time or first). The insurance policy specifies the object and type of insurance, the duration of the contract and insured events. There are terms of “insured event” and “insured event”. Insurancehappening is a possible event, the occurrence of which may cause damage. It characterizes a certain risk against which insurance is provided. Insurance event represents an event that actually occurred. It must be officially registered. Those. an insured event is a possible event, and an insured event is something that happened.

Car insurance. How to start an insurance business

The insurance business in Russia is one of the few areas that, even today, during a protracted economic downturn, does not lose its relevance. Therefore, in this publication we would like to consider the question that interests many: how to become an auto insurance agent.

Let's try to figure it out

Before we talk about the steps you need to take to start this business, you need to decide how exactly you want to implement it. To do this you need to answer the following questions:
Do you want to be an agent for a company or represent several?
Do you have enough resources to implement this idea?
What kind of car insurance services do you want to provide?
And only after you have determined all these nuances, you can begin to draw up a business plan and calculate your potential profit.
Well, now, the actual plan on how to become an auto insurance agent.
1. Analyze the market and determine the circle of potential companies with which you would like to cooperate;
2. Organize contacts with selected companies, receive a list necessary documents. Study it and prepare a complete package;
3. Compose your resume, try to describe in detail your experience and personal qualities that allow you to work in this field;
4. Attend the interview and try to make the best impression;
After all stages have been completed, you can begin your activities. You can start your activities! In order for your business to be successful, attend sales training, study all the information that will help you master the technologies of attracting new customers. This must be done even if you consider yourself to have similar experience.

Auto insurance as a business

After the initial stage in the career of an insurance broker has been completed, it is time to think about how to reach the next stage and open an office selling insurance contracts. According to many experts, car insurance has the greatest potential in the range of insurance products.
In theoretical terms, the insurance process is a type of relationship between an insured and an insurer interested in protecting their property interests and liability from any unpleasant consequences. To do this, an insurance agreement is concluded between the parties, which specifies the amount of the contribution, the amount of payments and the procedure for their implementation.
On the other hand, the insurer’s responsibility includes the formation of a certain insurance fund, from which, in the event of an insured event, compensation is paid within the framework specified in the contract.
When thinking about how to open car insurance, be it a representative office or a newly created company, it is important to understand that the goal of the insurer, like any entrepreneur, is profit. IN in this case its volume will entirely depend on the number of transactions concluded, namely on the volume of sales of CASCO and MTPL policies. In turn, profit, as well as the size of the insurance fund, is a guarantee of the company’s stability.
Based on practice Russian companies, in order to achieve success, it is necessary to conduct your activities in several directions at once. This is due to the fact that, firstly, sales of compulsory motor insurance are strictly regulated by current legislation. And since in this case the insurer cannot in any way influence the final price of the insurance product, then, according to most experts and analysts, a business solely on the sale of compulsory motor liability insurance policies is not initially profitable. Secondly, such a multi-purpose project has a greater chance of success from a commercial point of view.
On the other hand, the implementation of CASCO policies has a deeper potential than simply the implementation of insurance contracts. So, in this case, the entrepreneur has more freedom when setting tariffs and coefficients.
But even in this case, it is impossible to say for sure which car insurance is better from a business point of view. Both programs have their own nuances. So OAGO practically does not bring profit, but CASCO has a low level of popularity associated with its high cost.
The combination of these two forms is considered the most rational way of doing business. In addition, providing alternative income can be considered additional services, such as:
Expert and appraiser services;
Advisory assistance after an accident;
Technical assistance;
Other insurance products.
The listed services can be added as additional options to the CASCO insurance policy.
It was general concepts about auto insurance products. Now let's talk more specifically.

How to open auto insurance (office)

In order to open a point selling CASCO and OSAGO policies, you must first choose the right premises. In order for your costs to be justified, your office must be located simply in a good location, but where a large number of your potential clients are possible.
According to most businessmen, before reaching a new level and wondering how to open an auto insurance office, you need to carefully calculate everything. Otherwise, the enterprise being organized may not recoup the investment, and the novice businessman will fail.
A good place to open an auto insurance office today can be various shopping centers, business centers and other similar places.

What documents are needed for car insurance?

Like any other, auto insurance as a business is, first of all, a registered company, the form of ownership of which is selected depending on the goals and scale of the project being implemented.
If we are talking about creating an insurance company, in this case, in addition to registering a legal entity, an appropriate license will be required, which can only be obtained if authorized capital companies in the amount of at least 120 million rubles.
If an entrepreneur intends to operate as an insurance agency, which essentially means conducting an intermediary business, the following will be necessary:
Register an LLC or individual entrepreneur;
Conclude agency agreements with partner insurance companies;
rent an office;
It seems to us that it is quite clear what documents are needed for car insurance.

How to Become a Home Auto Insurance Agent

Modern technical capabilities, combined with changes in insurance legislation and the introduction of electronic certificates, have led to the fact that today you can conduct an insurance business without leaving your home.
If you're wondering how to become a home-based auto insurance agent, the answer is obvious. You need to create a thematic portal through which you can offer all its visitors the insurance offers you have.
However, you should not think that such a business concept will automatically generate income. Working via the Internet is work that takes not only time, but also requires constant investment of other resources, such as money and a constantly updated knowledge base of the owner of such a business.
At the end of the publication I would like to dwell on one more thing important point. When choosing auto insurance as a field of activity, which companies are best to choose as a partner.
In fact, answering this question, it is very difficult to give specific recommendations, but we want to highlight a certain group of criteria that can be used when choosing a business partner.
The insurance company whose insurance products you are going to sell must have:
reliable reputation;
stable history;
comfortable conditions for cooperation;
extensive branch network.
This is not the entire list of aspects that you should pay attention to. However, even this is enough to understand in which direction it is necessary to move further.