How to open an insurance company in Russia? How to open an insurance company - a step-by-step guide Auto insurance how to open a business.

If you are on this site, then most likely you have questions about the insurance business, for example: “How to open a branch of an insurance company for auto insurance (MTPL, CASCO) and other types? How to open an insurance agency from scratch? How to open an insurance broker and work with different insurance companies? If so, congratulations! Next we will figure out how to do this.

Insurance company or insurance agency?

First you need to decide on the terminology. It is important to understand that an “insurance company” is understood as a market entity conducting its activities in concluding insurance contracts, as well as on organizing the process of payments under policies. In addition, the insurers themselves, for example, Ingosstrakh, Rosgosstrakh, RESO and others, in accordance with the law, are required to have a minimum authorized capital for carrying out activities in the amount of 120 million rubles.

Therefore, if you want to do business in auto insurance (MTPL, CASCO) and other products, then most likely you are interested not in how to open the entire insurance company itself, but in how to open a representative office, branch, office of an insurance company on the basis of an agency agreement about cooperation, that is, to organize an insurance agency or an insurance broker business.

Open an insurance agency or insurance broker yourself

1 way
How to open a business on your own? Owner insurance business(agency or broker) is an entrepreneur who, himself or with the involvement of staff, consults individuals and organizations, helps them choose the best insurance option and receives a commission from companies for this. In other words, this activity is essentially a form of small business that, in our experience, does not require an initial investment. So, how to open an insurance agency or broker yourself?

The simplest algorithm to open an insurance company (agency or broker):

1. Decide how many companies you will represent,
2. Choose the right companies to cooperate with,
3. Take a set of constituent documents,
4. Come to the company
5. Carefully and correctly fill out the candidate application form,
6. Pass an interview, proving your usefulness to the company,
7. Fill out the application for admission,
8. Pass checks by the security and internal control service,
9. Select promising products
10. Sign an agency agreement,
11. Get the necessary policies,
12. Establish a stable flow of clients, engage in their attraction,
13. Consult interested people, draw up contracts,
14. Organize financial flows, hand over money on time,
15. Receive your reward for each policy.

In practice, of course, there are many additional questions and pitfalls. In other words, unfortunately, it is not enough to just say to yourself “I want to open an insurance agency for auto insurance and other types” and sign a couple of contracts with insurers. This will not add more money to your pocket. It is important to understand that your own representative office of insurance companies (your own insurance agency) is a serious business that requires both, and the introduction of technology, etc. After all, a business can bring in a lot of money if correct approach to organizing business processes and internal organizational and financial structures.

Open an insurance company through franchising

Method 2.
We are often asked: “How to open an insurance broker for MTPL, CASCO and other types as quickly and easily as possible? How to open an insurance company with minimal investment? There is a solution!

Insurance business franchising is a type of cooperation in which the owner of a highly profitable business (franchisor) transfers information to his new partner (franchisee) about how this business works, helps organize all business processes, provides clients, and also allows him to use his brand. In other words, you get a ready-made working business and start earning money instead of wasting time, nerves and effort on “reinventing the wheel” by organizing a business yourself. If you don’t want to figure out how to organize a broker’s business on your own, but want to start earning money as soon as possible, then .

Yes, purchasing a business model and training costs money, but, as practice shows, in the time saved (6 months - 1 year), franchisees manage to earn more than they invested in its purchase. After all, it is known that time is money. At least this is true if the insurance business whose franchise you are buying is proven and highly profitable.

It is worth noting that, as a rule, only truly highly profitable and proven agencies and brokers provide franchisees with clients. Therefore, when choosing a franchisor, it is important to pay attention to this nuance.

If you want to open an agency or broker, fill out the form below!
Find out the conditions and cost of a ready-made insurance business with 10 years of experience:

Working on an insurance company business plan

3 way
It is no secret that many (especially beginning) entrepreneurs believe that opening an insurance company can be done according to some kind of business plan. There are a huge number of different business plans for insurance companies (insurance agencies, insurance brokers) on the Internet. Anyone who has sufficient experience in business understands how far any even almost ideal business plans are from the harsh reality of competition in the real market. There is even a saying: “Not a single business plan can withstand a collision with reality,” so offering another “fantasy” on the topic “How good it could be if it were true” in the form of a business plan for an insurance company - we are on our We will not, however, dwell on the main key points of the business model of any successful insurance broker or agency, so that you, dear visitor of the site, have a correct understanding.

Some advantages of the insurance business:

1. Additional income to the salary at the main place of work,
2. Start your own insurance business - from scratch and with minimal investment,
3. Flexible work schedule instead of a rigid schedule,
4. The ability to independently choose the dates and duration of vacations,
5. Become a leader, delegate, hire staff,
6. And so on…

Thus, the insurance industry opens many doors and gives many choices. For some, this is an opportunity to earn additional income. For others, this is a chance to start their business from scratch. How about you? It's up to you to decide.

Why is your own agency or broker a business with minimal investment?

1. No need to buy goods/equipment for trading,
2. No need to rent an office/pay rent,
3. There is no need to hire highly paid employees/specialists,
4. No need to purchase raw materials/technology,
5. No need to buy production equipment.

Do you know how many billions agents and brokers earned in 2014? Watch the video!

Do you like this business idea? Do you want to try opening an office of an insurance company or are you still in doubt? It is known that the most best way to understand is check! And the safest thing is to check for free! You will become familiar with the specifics of this business. And you’ll even understand how to open an insurance company office!

Take our course - from professionals with 10 years experience in insurance. You will receive valuable advice and experience from professional insurance business owners with 10 years of management experience. And you will be able to complete practical tasks for maximum results.
Participation is free, no payment required!

The material was prepared based on articles and
publications of the head coach of the training center
insurance agents "Insurance Spetsnaz"
Yuzefovich Konstantin

Opening your own insurance company is one of the most labor-intensive and costly types of business. To open a full-fledged company, you need at least 20 million rubles, a general director with a higher specialized education and experience in the insurance industry. In addition, obtaining a license takes about a year. Opening an insurance company is associated with great risks, since the level of competition in the insurance market is very high.

Insurance Business Basics

An insurance company is one of the entities insurance market, providing services for concluding insurance contracts and organizing the process of insurance payments.

The main types of services that such companies can provide:

1. Personal – life and health insurance, tourism, accidents.
2. Property insurance – cars, housing, jewelry.
3. Liability insurance – compensation for discrepancies between promises and results in the production of goods.
4. Insurance of specific and financial risks – political risks, failure to fulfill financial obligations.

The more services a company provides, the higher its income.

What types of insurance are the most profitable?

When compiling a list of basic services, it is necessary to focus on the demand for certain services. The most popular:

• OSAGO services.
• CASCO services.
• Health insurance.
• Life insurance.
• Real estate insurance.

To provide OSAGO and CASCO services, you must obtain a license in Federal service By financial markets. The license cost is about 120,000 rubles.

Enterprise registration

Suppose you already have authorized capital and you are going to open your own insurance company. In this case, you will need a number of documents:

1. You must register as a legal entity. In this case, you can choose the following forms of ownership: OJSC, LLC.
2. Draw up and approve the organization’s charter, which specifies all types of services provided: types of insurance, assessment and examination in the field of insurance.
3. Documentary evidence on the authorized capital.
4. License issued by the Ministry of Finance. To obtain a license, you must provide the following package of documents: ; insurance documents (rules developed by you, estimated tariffs, actuarial calculations); business plan ().
5. Documents general director: copy of passport; copy of TIN(); a copy of a diploma of higher specialized education; copy work book to confirm his qualifications.

5 years of general director experience. In addition, the manager’s background is checked - whether there are any criminal records, reports to the police, etc.

1. Receipt for payment of state duty.

Within 6-12 months, the process of verifying the submitted documents and obtaining a license takes place. Then the company is included in the Unified state register insurance organizations. Only after this you can start providing insurance services.

Selection of premises

An important factor is the choice of premises. At the initial stage, you can get by with one small room with an area of ​​about 50 square meters. It can be located either in the center or not far from it, but not on the periphery. It is important that potential clients could quickly reach you.

Once your business begins to generate income, you can think about expanding your office network. In this case, you will need one large office with an area of ​​about 600 sq. m. in the city center. Several more small offices in different areas of the city.

Each department should be decorated in a business style. Clients must understand that they have come to a truly serious company.

If you want to save on premises, at first you can provide insurance services by visiting the client’s home or his workplace. But at the same time, you should still have a room equipped in which you will store contracts, documents and simply carry out various telephone conversations.

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. IN special category We should highlight auto insurance, which attracts more and more entrepreneurs every year.

Interest shown enterprising people to this type of activity is clear - the number of cars is growing steadily, and at the same time the share of vehicles, purchased at primary market. Most people buying 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 a special type of 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, which necessarily specifies the object of insurance, the amount of the insurance premium, as well as the amount and procedure for making payments.

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 framework 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, and also 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”;
• 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 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 a fully paid authorized capital of at least 120 million rubles.

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

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

• minimum 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 MTPL and CASCO insurance in the total volume should not exceed 50%. That is, a company cannot only engage in vehicle and civil 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 follow a few 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 Internet access;
• 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 practically 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 cash 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 that does not require significant financial investments at the start, and at the same time, allowing 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 your own auto insurance business 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.

In the countries of Europe and America, insurance has always been and is used to ensure the safety of oneself and to minimize the risk of loss or damage to one’s property. Russians are not so active, but we have great prospects for this business. Therefore, opening an insurance business now and gaining clients means ensuring the success of your enterprise in the near future. Even with great competition, this type of activity is quite profitable.

Insurance business and its types

Usually people try to insure their lives and property, business and deposits. Experts advise not to limit yourself to one type of insurance, but to use the maximum number of services. In parallel with this, we can propose different types examination Only their connection with insurance is mandatory. In addition to expanding your services and attracting more clients, you will have the opportunity additional income. And the investment in this business is quite large. According to the same experts, the payback period for an insurance business is at least three to four years. But this is provided that the activity process is properly organized.

Use the maximum number of services

The more services you can offer, the more your audience of clients will increase. The most flexible insurance programs will allow clients to choose the best option.

Insurance is divided into four official types, which have their own subtypes:

1. Personal. This includes all situations where the main object is a person. Accidents and health, tourism and pensions and so on.
2. Property insurance. Object – material assets. This includes your own home with a car, and the values ​​of your personal enterprise.
3. Liability insurance. What does this look imply? This financial protection, if the promises do not match the results. In such cases, compensation is paid for damage to the environment, during the production of goods, and other examples.
4. And the most rarely used type is insurance of political risks, financial risks and specific ones.

Company registration

The first step is registration. The form of ownership is chosen by the owner. Option – closed or open joint stock company, with limited or additional liability. When choosing the types of services offered, you need to decide on the life insurance service. If yes, one thing arises important condition – the size of your authorized capital is at least twenty million rubles.

Be responsible when collecting documents

What questions should you pay special attention to when registering:

• the name of your company must contain the word “insurance”, which will indicate the type of your future activity;
• you should already decide who will become the director, chief accountant, and have a list of founders;
• When renting premises, there must be a lease agreement, if available own premises, documents for it;
• license to conduct insurance activities;
• registration with Rosinfomonitoring and entering your data into the Unified State Register of Legal Entities;
• information about training your future staff.

The registration process will require some costs from you. If you open an LLC, the fee will be within four thousand rubles. Training your agents if you take it upon yourself. You will also have to pay a state fee for the license. The process of collecting documents at this stage can take a long time. If this does not suit you, you can use the services of lawyers specializing in this matter.

There is some confusion between the concepts of "Insurance Company", "Insurance Agency" and "Insurance Broker". Let's understand the difference. There are also three ways to open an insurance business - opening an insurance company, opening an insurance broker or an insurance agency.
Let's look at each option in more detail and look at the differences.

How to open a company

An insurance company is a legal entity that provides paid services to ensure compensation for damage, which means that the insurance company collects an insurance premium (payment for insurance) and from these funds provides insurance compensation to the injured party. The insurance company's profit comes from collecting policy fees minus payments made and other expenses.

How to open an insurance company? To open you will need:

• Opening a legal entity: LLC, OJSC, CJSC.
• The company must have a minimum authorized capital 120,000,000 rubles.
• Obtaining a license for insurance activities.
• Obtaining licenses for individual species insurance, for example, for compulsory motor liability insurance.
• Addition OKVED: 65.1 “Insurance services”.
• Rent of premises of 500-600 sq.m.
• Hiring a general director and chief accountant.
• Hiring and training of personnel for the insurance department and for the benefits department.

For many who want to run a small business, for example, only auto insurance, these conditions are too complex and the risks are high. What other options are there?

How to open a brokerage company

An insurance broker is a person who provides paid services to select an insurance company and the best insurance product for his client. The insurance broker's profit comes from paying for services client.

To open an insurance broker you will need:

• Opening an LLC or individual entrepreneur.
• The company must have a bank deposit of 3,000,000 rubles or a bank guarantee.
• Prepare a set of documents for opening an insurance broker (the cost of legal services for collecting documents is on average 120,000 rubles).
• Pay (30,000 rubles) and obtain a license to act as an insurance broker.
• Pass the check of the Central Bank of the Russian Federation.
• Comply with the requirements of the Central Bank of the Russian Federation and pass all inspections in the future in order to maintain the license.

The main difference is that it is the client (and not the insurance company) who pays for the work of the insurance broker. For example, your client chose a CASCO policy from the Rosgosstrakh insurance company worth 100,000 rubles. As a result, the client must pay 100,000 rubles for the policy itself and 25,000 rubles for your services above the cost of the policy.

How to open an agency

Is it possible to open an insurance business easier than opening an insurance company or insurance broker? How to avoid all the difficulties associated with the first two options?

An insurance agency is a legal or individual, which provides services for selecting an insurance company and the best insurance product for its client. The insurance agency's profit comes from paying for services insurance company.

To open an insurance agency you need:

• You can work as an individual. You can open an LLC or individual entrepreneur.
• You do not need to have a deposit of 3,000,000 rubles, a bank guarantee or a multimillion-dollar authorized capital.
• No special documents are required. An individual’s passport, SNILS, and documents for an individual entrepreneur/LLC are sufficient (if the individual entrepreneur or LLC is open).
• Pass an interview with insurance companies, because... Insurance companies don't take everyone. Reply to tricky questions. Show that you are an insurance specialist and have experience in the insurance business. This is perhaps the most difficult point.
• Pass checks at the security service of insurance companies.
• Get an agency agreement.
• Organize the work of the marketing and sales department.

How to open a branch of an insurance company for compulsory motor liability insurance and other types? To do this you need to open an insurance agency! Practice shows that the easiest way to do this is to work under a franchising scheme!

How to open a franchise?

As practice shows, you cannot, relying on chance, open an insurance company or an insurance agency, or a branch of an insurance broker, in order to start earning money this business. A successful insurance business is a very technological process. If you run into all the pitfalls, you can easily go bankrupt in 2-3 months.

Therefore, opening a company selling MTPL and other types of insurance under a franchise is an affordable way to open when you use a ready-made insurance business from a company with a long history. You can open an insurance office within 20-30 days.

Experience in starting an insurance business

How to open a car insurance broker? Where and how to obtain MTPL and other types of insurance policies? How to open a representative office or branch of an insurance company? How to find clients? Where is the best place to open an insurance company office? How to pass security checks to enter into a contract? How to pass an interview with management so that the company agrees to provide policies? How to get a higher commission? The Gosavtopolis franchise contains the necessary business models and business processes on how to become an insurance broker or insurance agent for auto insurance and other types with minimal investment! A total of 100+ questions answered.

Gosavtopolis contains a multi-hour training block for franchisee partners with dozens of documents and presentations. Thus, you will receive a franchise of a highly profitable insurance agency, as well as comprehensive training on how to open a car insurance company, how to become an insurance broker for car insurance and other types, you will receive vocational training Your employees.

Reduce risks and costs

We understand the risks and costs of starting a business. Therefore, it is simple and convenient for our partners to open the Gosavtopolis insurance agency with us, because the terms of our franchise do not impose strict requirements on the design and location of the office, on the number and level of competence of the staff. By agreement with us, you can start running your business without additional staff. As a result, opening an insurance company together with Gosavtopolis is a low-cost and simple process even for those who come into this business without experience!

You can open an insurance office during any franchise period if you started without an office. Your supervisor will provide recommendations on choosing and equipping a representative office. Together we will select and hire staff. And, of course, the staff will be trained and certified using proven methods. If you are thinking about how to open an insurance company (branch, representative office), find out the conditions for opening Gosavtopolis in your city:

Together with Gosavtopolis

Opening your own business with Gosavtopolis is easy! Why? We have a clear and streamlined business model on how to open an insurance office and earn 100-400 thousand rubles. per month (depending on population)! Correctly using their knowledge and experience, having accumulated internal resources and business connections, Gosavtopolis specialists prepare the necessary documentation for working with insurance companies in your city at the most favorable conditions, which will be the key to the prosperity of your business for many years.

Are you deciding how to open a car insurance agency? Are you thinking about how to become an insurance broker for compulsory motor liability insurance and other types?

The Gosavtopolis network means income almost from the first day of launch! You will be able to run your independent business under the wing of a single strong brand!