Conditions for obtaining a license to carry out insurance activities

Insurance agency business plan
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 a profitable idea based on the needs of the 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 goal of the business plan is to assess the prospects and economic efficiency of the project to create an insurance agency from scratch. The plan can be used as a commercial proposal 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 all initial investments and reach the level of profitability – 2 years. Under favorable conditions - earlier;

— total cost of the project (the amount of the 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, the total amount of payments will reach 82 thousand rubles;

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

— the total 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:

Calendar plan

Opening an insurance company on your own will require not only large financial investments and knowledge, but also significant time (8-12 months).

Schedule of the process of implementing a business idea for an insurance agency from scratch:

Stages	1-2 month	3-4 month	5-6 month	7 month	8 month
Analysis of the domestic insurance market	+
Determining the direction and format of the business, range of services	+
Business design	+
Preparation of documents for opening a legal entity	+
Agency registration	+
Preparation of documents for obtaining a license	+	+
Checking of papers by specialists of the Central Bank of the Russian Federation (to obtain permission to carry out insurance activities)	+	+
Obtaining a license	+
Search for premises for the central office of the company and its divisions	+
Branding	+
Concluding rental agreements for suitable buildings	+
Development of design projects for agency representative offices and head office	+	+
Carrying out construction/repair/finishing work	+
Selection, purchase, transportation and installation of company equipment	+	+
Advertising campaign	+	+	+
Search, selection, hiring and training of agency employees (including the general director and chief accountant)	+	+
Obtaining permits to commission premises from supervisory services (fire inspection, SES, etc.)	+	+
Organization of alternative sales options for the company’s products (through intermediaries)	+	+
Selecting a security agency and concluding a service agreement with it	+
Grand opening of the agency's head office and branches	+

Features of the insurance company's activities

By offering life insurance and various types of property as its main services, the company immediately identifies an 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 immovable property of 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, the general procedure 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, in the 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.

What does an insurance broker do?

Today, mediation plays an important role in any activity, including in the insurance industry. The relevance of the services of independent experts is due to the growing distrust of consumers in insurance companies. Before choosing a specific insurance product, every person wants to make sure that they can get maximum security and benefit at very little cost. However, it is difficult for people who do not know the specifics of this market to find a suitable option.

It will take a certain amount of time to study reviews about the insurance product you are interested in and visit the companies offering it. In addition, almost all insurers exaggerate the advantages of their products and do not disclose their disadvantages to potential clients. In this case, to obtain objective information, you should seek help from an independent consultant who is well versed in the insurance business.

An insurance broker is a specialist who acts as an intermediary between the consumer of an insurance product and its supplier. By collaborating with many companies at the same time, he has the opportunity to quickly consider various insurance options. After that, he selects the most profitable one for the client.

Some consumers compare brokers to agents, which is completely wrong. All the agent’s actions are directly related to the interests of one company; formally, he is considered an employee of the company and promotes only its products. An insurance broker, on the contrary, is a completely independent person who puts the interests of clients above all else. Its main task is to sell insurance services, the essence of which is to accumulate client contributions for the purpose of their subsequent use.

The full-fledged activities of insurance brokers include:

• providing clients with advice on all types of insurance programs, including auto insurance;
• searching for an insurer offering the most favorable conditions for the client;
• creating an insurance product suitable for clients;
• preparation and execution of necessary documentation;
• work with insurance risks;
• informing clients about the procedure to follow in the event of an insured event.

Registration

Business plan for an insurance agency
An insurance company can be immediately registered as an LLC. There are other types of legal entities. But a limited liability company will be the most convenient and profitable 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. Regardless of what additional activities may be, 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.

Other documents required when opening a legal entity are 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 founders’ meeting.

Car insurance: business nuances

If you want to do business related to auto insurance, it is important to understand the differences between the concepts of an insurance company and an agency. In addition, you need to immediately decide on the areas of the insurance business that are of interest to the future owner of such an enterprise. So, it may be a full-fledged insurance company specializing in concluding insurance contracts, and in addition, the scope of activity of such a company will include making payments under policies. The establishment of such an organization requires a significant authorized capital. An easier step for beginners would be to open a branch of an insurance company. For example, you can create an agency whose activities will be based on the provisions of an agency cooperation agreement. There is also the opportunity to open a franchise business, which also provides for some special rules.

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 in the specialized federal law “On the organization of insurance business in the Russian Federation” (https://www.consultant.ru/cons/cgi/online.cgi?req=doc&base= LAW&n=304215&fld=134&dst=1000000001.0&rnd=0.6434972420580998#02573872618532298).

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 specifics of the campaign are such that each new type of 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 and the number of positive reviews about his activities.

The result of the preparatory work will be the inclusion of the enterprise in the relevant 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:

Law of the Russian Federation dated November 27, 1992 N 4015-1 (as amended on August 3, 2018) On the organization of insurance business

Federal Law of May 4, 2011 N 99-FZ On licensing of the department. types of activities

Requirements for applicants for insurance licenses

It should be especially emphasized that not all companies operating in the insurance market are granted permission. To receive the coveted document, the organization must meet certain requirements. Let us indicate the main points:

• The company's employees must be people with higher education in the field of insurance;
• The majority of the insurance company's personnel should be employees with more than three years of experience;
• An important point is the size of the authorized capital of the insurance organization, it must be at least 120 million rubles;
• The head of an insurance company must not only have the appropriate education, but also work experience in the specified field - at least two years;
• The management of the insurance company is subject to thorough checks for violations of financial legislation (a license to operate is not issued if there is a criminal record).

It is important to know: The range of services it provides depends on the size of the authorized capital of an insurance company. For example, if it is equal to 120 million, then the company can insure civil liability, risks of entrepreneurs, etc. With a capital amount of 480 million, life insurance is allowed.

Stages of creating a business

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

— development of a strategy for the future company;

— drawing up a marketing and financial plan;

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

— personnel selection;

- advertising.

A more detailed insurance agency plan includes the following steps:

Stages	Execution conditions	Deadlines
Start of the project	1 – 2 year
Conclusion of an investment agreement	1 month project	First 30 banking days
Receiving credit funds	Availability of a mandatory package of documents	1 month
Entry into the state register, registration with administrative and tax authorities	Concluded investment agreement	From 1 to 30 calendar days
Selecting a location, preparing documentation	Preliminary work	1 month
Purchase of equipment	Conclusion of an investment agreement	Up to 30 calendar days
Equipment installation	Receiving investment funds	Up to 30 calendar days
Hiring employees	Production activities	Up to 30 calendar days
Training	The end of the stage of organizing the production process	Up to 1 month
	Within 1 month	Up to 1 year
End of the project	12 – 24 months

How to easily obtain a license for insurance activities

Let's consider the procedure for completing and submitting documents:

1. The applicant must fill out an application form. Please note that a separate form will need to be submitted for each type of insurance activity.
2. Before sending forms and documents, you should carefully check them for inaccuracies and distorted information.
3. Don’t forget about the state fee; you need to pay 4 thousand rubles.
4. Entrust the delivery of documentation to the Bank of Russia to a professional lawyer, he will double-check all the papers and submit them to the licensing authority.
5. All that remains is to wait for the answer, which should arrive within one month. After this, information about your company will appear in the unified register of insurers.

Let's take a closer look at the register of insurers. This is a list of companies that operate legally and have been issued permission from the licensing authority. It is freely available on the Bank of Russia website. Here you can find complete information about the insurer. If a company's license is suspended or revoked, this information will be displayed on the website.

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 public transport stops 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.

Insurance agency business plan

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 a lot of attention: there should be no bright, emphasized decorative details here. Clients are more attracted to a strictly business-like appearance, which speaks of the company’s reliability.

Purchasing office equipment will be an important stage in 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;

— other office equipment – ​​printers, scanners, copy 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.

In what cases is an insurance license revoked?

As mentioned above, the licensing structure has the right to refuse to issue a permit due to inaccuracies in the documentation (typos, inconsistency of data with reality), non-compliance with requirements (criminal record, insufficient qualifications, financial instability). In addition, the Bank of Russia may cancel or suspend the issued license for insurance activities. Suspension is carried out if there are violations on the part of the insurer, the license is renewed after they are eliminated. It can also be completely withdrawn if fraud and systematic violations of the insurance legislation of the Russian Federation are revealed.

Come to the MIP legal group if you need to obtain a license for insurance activities. Our specialists have a number of advantages: extensive experience in this field, provision of turnkey assistance, customer focus, responsibility and diligence. Lawyers are well versed in documentation and guarantee complete confidentiality to clients.

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. According to the 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. The strict appearance emphasizes the authority of the company and the professionalism of its specialists.

Where to learn the craft of brokers

In higher or other educational institutions, the direction of insurance broker has not yet been allocated. But large companies still prefer to hire employees with higher education, as well as train them themselves.

Firms often recruit for webinars or trainings that explain the rules for maintaining documentation and various aspects of working in the insurance market. Moreover, such courses can be either paid or free. It all depends on the interest of the insurance/brokerage company.

Insurers often conduct seminars when developing new insurance products. Information about such courses is located on the websites of large companies and educational institutions.

Marketing. Basic strategies for attracting clients

A marketing campaign should begin with studying the state of the market, current trends and dynamics. Crisis phenomena, which periodically influence the general state of the economy, are important in the functioning of the insurance market. 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, it is necessary to offer more favorable conditions, comprehensive insurance packages, and necessarily improve 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;

— advertising in banks, enterprises or gas stations.

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 promotion methods 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:

How to become an auto insurance broker?

You can start car insurance without any start-up capital or your own investments. Many entrepreneurs first work as insurance brokers, collaborating with specialized companies, helping clients choose the right insurance product for a commission. The difference between a broker and an agent is that the first specialist does not represent the interests of either party, he simply performs the functions assigned to him by the insurer or policyholder, receiving a certain monetary reward for this.

On video: Insurance broker

The main services provided by insurance brokers are as follows:

• providing advice on choosing an insurance company;
• advisory assistance in drawing up contracts;
• assistance in choosing the most suitable and profitable insurance product.

If the insurance broker's client requires changes to the provisions of the contract or other accompanying services, such activities will also be the responsibility of the insurance specialist.

Insurance agent	Insurance Broker
individual	legal entity (insurance company);
representative of several or one insurance company;	must have a license to carry out activities related to the conclusion of insurance contracts;
a trusted person who protects the rights and interests of the insurer, but his duties do not include payment of monetary compensation in the event of an incident specified in the insurance contract;	representative of the policyholder – protects the interests of the client before insurance companies and other authorities (court, expert organizations);
consults potential clients and sells insurance contracts.	intermediary (not an employee of any insurance company);
is able to enter into contracts with various insurance companies, protecting the interests of the client and offering him the most profitable option for the relevant contract;
a company that settles losses when an insured event occurs.

To start a brokerage business in the auto insurance industry, you will need the following steps:

• decide on companies suitable for cooperation;
• prepare the necessary constituent documents;
• offer your services to specialized companies, choosing suitable products for further work;
• sign the agent agreement.

In order to engage in this type of activity, you only need to provide identification documents, without obtaining the status of a private entrepreneur. True, for hassle-free reporting to the tax company, a desirable condition would still be to obtain the status of an individual entrepreneur.

Among the important features that a broker needs to pay attention to is the need for mandatory licensing of this activity.

There are several important advantages that distinguish working as a broker without establishing a full-fledged company. First of all, you will not need to rent an office or purchase all the necessary equipment and office equipment. In addition, there will be no problem of hiring employees and paying them wages. True, by opening a successful agency offering auto insurance services, you can count on big profits and the opportunity to expand the company.

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:

Expense item	Expenses per month	Expenses for the year	One-time costs	Total expenses for the year
Rent (purchase) of premises (from 40 sq.m.)	30000	360000	60000	420000
Purchase of equipment, including computers and office supplies	106000	106000
Buying a car	430000	430000
Website creation, hosting, scripts	120000	120000
Advertising expenses	45000	540 thousand	540 thousand
Salary	332000	3.9 million	3.9 million
Taxes	99800	1198000	1198000
Additional expenses	71560	71560
Total	407 thousand	4.9 million	788 thousand	5.7 million

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 a small organization of 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. The deadline for tax payments will begin from the beginning of the year. The list of taxes for LLCs under the standard taxation system will be as follows:

Name	Base	Period	Tax rate
Income tax	Profit received	1 month	20%
VAT	Added value	1 month	18%
Property tax	Property value	According to the established schedule	2,2%
Income tax	Payroll fund	1 month	13%
Social Security contributions	Payroll fund	1 month	30%

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

Types of insurance	Insurance rate (% of the insured amount
Life insurance	0,15 – 0,6%
Motor insurance	0,1 – 0,5%
Real estate insurance	0,11 – 0,5 %
Air transportation insurance	0,1 – 0,35 %
Other insurance cases	0,1 – 0,8%

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

Period	Type of service	Volume of production and sales for 1 month. (PC.)	price, rub.	Sales revenue, rub.
1 – 12 months of investment	Life and health insurance	20 people	From 120 thousand	From 2.4 million
1 – 12 months of investment	Other insurance	100 objects	From 17 thousand	1 million 680 thousand
13 – 24 months of operation	Life and health insurance	50 people	From 134.4 thousand	From 6.7 million
13 – 24 months of operation	Other insurance	200 objects	From 18.5 thousand	From 3.7 million

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. A competent marketing strategy and a well-thought-out advertising campaign are required. To find the best specialists, you need to allocate approximately 1 month to search for personnel, selecting the best using the interview method.

What types of activities are subject to licensing?

Law No. 172 of 2003, which regulates the organization of the insurance industry in our country, classifies all types of activities for which permission is required. This list covers twenty-three species .
In particular, receiving the document allows you to insure the client’s life:

• in case of the occurrence of any circumstances, for example, death, reaching a specific age;
• on the terms of regular insurance payment for financial annuity;
• from illness or accident.

Insurance activities in the following areas are subject to compulsory licensing:

• medical;
• pension;
• cargo transportation;
• Agriculture.

Insurance is also provided:

• personal property;
• business and financial risks;
• all types of vehicles (air, road, rail, water);
• civil liability of their owners.

Civil liability is insured similarly:

• structures involved in the operation of hazardous facilities;
• in the event of harmful consequences due to low-quality purchased goods, work performed or services provided;
• for causing harmful consequences to a third party;
• for violation of contractual obligations.

Reinsurance, mutual insurance, and insurance brokerage activities can also be carried out only after acquiring the appropriate permit.

Where to get capital to open an office

The capital needed to start a business is calculated in different ways. Business sharks claim that you should have at least 20,000 - 25,000 rubles at your disposal.

The total amount depends on the funds allocated for the following items:

1. Advertising.
2. Preparation of documentation: obtaining a license, etc.
3. Renting premises.
4. Hiring employees.

Investors (creditors, shareholders and others) are attracted to raise capital.

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