Insurance agency business plan

Insurance agency business plan
Insurance agency business plan
Insurance agency business plan

Despite, that the insurance market is developed enough, the current situation in this sector is, that open a new insurance agency can be beneficial idea based on the needs of the target audience.

In the capital and other major cities often seek jewelers insurance services. Demand in megacities insurance of financial risks, arising during the joint construction of residential or commercial buildings. Niche to open the agency can always find, After a thorough analysis of the insurance market of available services. To do this, with all the features, set out below, create a business plan for an insurance agency. One possible option - the franchise or branch of the already popular agentstva.Takoy project could be a good starting point in the future for a new and independent agency.

Features of the project business plan insurance agenststva

The essence of the project - in the creation of an agency for life and health insurance, property and other valuables. Главная цель бизнес-плана – произвести оценку перспективности и экономической эффективности проекта по созданию страхового агентства с нуля. The plan can be used as a commercial offer in the negotiations with the potential investor, or in the preparation of commercial loans.

The project is designed to 2 of the year.

During this period it is planned to achieve these objectives

– the creation of a profitable enterprise;

– satisfaction of the needs of the target audience in the field of life insurance and property as a physical, and legal entities;

– high profits.

Key financial aspects of the new business following:

– time, in which the company will pay all the initial investments and will be released on the level of profitability - 2 of the year. Under favorable conditions, – earlier;

– The total cost of the project (commercial loan size, which is scheduled to issue the first activity) – 1 million. 200 thousand;

– mortgage payments will begin from the first month of the company. The total amount of payments for the first two years will reach 82 thousand;

– the interest rate on the loan - 17,5 %. In the future, this figure could be reduced;

– the overall economic effect of the implementation of services for the specified period at favorable conditions reach 84 millions.

In general, the beginning of activities in the insurance industry will be different costs on a low level. But in order not to suffer losses and have the opportunity to develop in this direction, you need to think carefully all directions and create a clear plan all the upcoming steps.

Features and prospects for the insurance agent – video:

Features of the insurance company

Offering as basic services of life insurance and various types of property, the company immediately represents an indicative range of its customers. The target audience of the insurance companies is very wide. First of all, it is individuals, that insure their lives in the event of illness or death, accident or occupational injury. second, more extensive and lucrative category - insurance of movable and immovable property of individuals, as well as organizations and enterprises.

Many insurance companies offer just too many kinds of services. This can complicate the entry of, because it would require too much time and finances, but also attract a large number of specialists. Therefore, we should start with a limited list of services, with a strong focus on personal service and provide a limited range of services to businesses and organizations.

The principle of operation and procedures of the insurance company is largely dependent on the nature and scale of its activities. But in general, the general procedure involves such duties insurers:

– preparation of all types of insurance programs, provided for in the strategy. At this stage, it is calculated all the financial aspects and developed a specific insurance offer;

– the signing of the contract with the customer - an individual or organization;

– obtain from the insured first insurance payment, from which 15% the insurer receives as a commission and payment of the costs incurred, and the remaining amount postupaetv insurance reserve. Insurance reserve, in turn, divided into 2 parts: 70% – on the accumulation reserve and 15% – on the risk reserve. Both reserves are invested in instruments provided by the law;

при наступлении страхового случая специалисты агентства рассматривают все представленные документальные подтверждения и принимают решение о целесообразности осуществления страховых выплат, their size and order.

The procedure for insurance and payment may be slightly different, but the principle is the standard for all organizations. It is defined by a core legislation. true, the organization may have different sales channels - are active in the market as a direct, and brokerage channels. At the same time the domestic market share of the brokerage of insurance services sales channel still quite low at less than 4 percent. Russian insurance system more characteristic part of non-insurance intermediaries - banks, travel agencies or car dealers. Obvious examples are the policies CTP and Casco.

Internet insurance today is also not only direct sales of insurance services. Over the past few years has increased significantly the number of Internet agents, выполняющих посреднические функции.

check in

Insurance agency business plan
Insurance agency business plan

Страховую компанию можно сразу оформить как ООО. Существуют и другие виды юридических лиц. But with the limited liability company is the most convenient and advantageous for the beginners. Constituting statute for discovering Ltd., You need to list in detail the planned service agencies, not forgetting the additional and ancillary offerings. When filling out the documents you need to submit all the codes of the new company. For this purpose, a dedicated classifier NACE. It selects one or more appropriate activity code. Regardless of, however there may be additional activities, they must be associated with insurance and necessarily separately identified in the preparation of statements. for example, it can be a damage assessment, that has a direct relationship with insurance.

Obligatory condition for creating company - introduction of the authorized capital. Its size depends on the services, provided campaign. The higher the value of the services (eg, insurance of client's life), the greater the share capital of. But its minimum amount - 10 thousand.

Among other mandatory at the opening of the legal entity of documents - the charter, the decision to establish Ltd. (or other forms of), решение о назначении руководителя и, при наличии нескольких учредителей – протокол собрания учредителей.

License. Certificate

Агентство может действовать на основании специального разрешительного документалицензии на оказываемые услуги. Все требования законодательства относительно видов и форм страхования, as well as licensing and certification - in a special federal law "On the Organization of Insurance Business in the Russian Federation" (http://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 provided by the law. This process is quite complex, it passes under the guidance and supervision of the Ministry of Finance and requires a long period of time - usually certification takes up to a month. For its registration documents required, including:

  1. insurance rules.
  2. Documentation for the opening campaign.
  3. tariff calculations.

The specifics of the campaign is, that each new type of insurance requires registration of new documents. Besides, head of the company must confirm their qualifications in this field. Успех начинания будет зависеть от опыта работы самого руководителя, количества положительных отзывов о его деятельности.

The outcome of the preparatory work will be the introduction of the company in the profile state register after obtaining a license. The process of obtaining a license as a whole will take up to six months, поэтому позаботиться об этом необходимо своевременно.

Regulations, которые необходимо изучить перед началом работы:

Закон РФ от 27.11.1992 N 4015-1 (row. from 03.08.2018) Об организации страхового дела

Federal Law of 04.05.2011 N 99-ФЗ О лицензировании отд. Business

business creation stages

Основная последовательность действий для открытия страхового агентства следующая:

разработка стратегии будущей компании;

– drawing up a marketing and financial plan;

– renting or buying office space, its equipment and preparing for the opening;

– staff selection;

– advertisement.

Более подробный план страхового агентства включает такие этапы:

stages Test conditions Deadlines
Home project 1 – 2 year
The conclusion of the investment agreement 1 project of the month first 30 banking days
Получение кредитных средств Availability of compulsory set of documents 1 month
Adding to the state register, registration with the administrative and tax authorities Conclude an investment agreement from 1 to 30 calendar days
choice of location, подготовка документации preliminary work 1 month
Buying equipment The conclusion of the investment agreement To 30 calendar days
Equipment installation Obtaining investment funds To 30 calendar days
Найм сотрудников production activity To 30 calendar days
Training The end stage of the production process To 1 of the month
advertisement During 1 of the month To 1 of the year
End of project 12 – 24 months

Premises and equipment

The main condition for the selected office space – good access to it and the availability of convenient parking for customers of personal vehicles. Nearby should be a good transportation - subway station and public transport for customers, not have their own cars. At the entrance is obligatory noticeable sign, which will orient visitors and will perform the function of advertising.

Insurance agency business plan
Insurance agency business plan

The room may be small, but spacious enough to accommodate more staff and opportunities to meet with customers. Maximum area – 150 quarter. m, but may be less. office decoration, as the agency faces is very important. This issue should be given a lot of attention: no bright decorative details emphasized should not be here. Клиентов больше привлекает строго деловой вид, говорящий о надежности компании.

Закупка оборудования офиса будет важным этапом открытия компании. На первом этапе нужно приобрести:

рабочие столы и стулья для сотрудников в количестве, необходимом для обеспечения мебелью всего коллектива;

стулья, кресла или диваны для ожидания клиентами;

– computers with high-quality software for all professionals;

– other office equipment - printers, scanners, copy machine;

– connection to the phone and internet.

Workplaces of experts to create a comfortable atmosphere should delineate. It can be equipped with several separate small rooms. If this is not possible, space is zoned by using screens.

Staff

At the opening of the agency in the state should be no more 10-20 employees. More staff will be too costly monthly maintenance. Besides, beginning to the insurance agency is unlikely to be able to count on a large number of customers. The team will include:

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

The primary responsibility of insurance agents - independently look for customers for the provision of insurance services. Otherwise it is necessary to wait long for the company's development. According to the preliminary plan, first 2 , the need to increase the staff of the company's development to 100 – 150 full-time and part-time agents.

With the expansion of business opportunities will grow and staff, insurance agents. And that business developed, the state must have such insurance agents, who can convince and sell insurance service. The more services will be sold, the better things will go in the insurance agency. It is from this and will depend on the company's profit.

To correctly dial professional staff, You need to be familiar with a large number of applicants and to select only the most professional and opytnyh.Chtoby retain new employees, you need to create the most favorable conditions of work, Agents interested in a positive bonus, opportunities for advancement in their careers, a good percentage of them sold services. You can go by training beginners, Using special training. It is advisable to use these two types of work with agents at the same time. Be sure to take in the state held in several insurance specialists work, no training required.

staff dress code is one of the optional, but the important conditions. Strict appearance underlines the credibility and professionalism of the company.

marketing. Key strategies to attract customers

Marketing campaign should begin with a study of the market conditions, current trends and dynamics. Important in the functioning of the insurance market have a crisis, which periodically affect the overall state of the economy. So, at 2008 – 2009 and 2013 – 2014 years of insurance market has reduced its activity, which is natural due to the international and domestic crisis. At the present time the echoes of the last crisis still experienced by most insurance agencies, especially small market participants. Чтобы справиться с этой проблемой и удержать клиентов, нужно предлагать более выгодные условия, комплексные пакеты страхования, обязательно улучшая качество услуг.

Статистика показывает, that despite some of the negative trends in the insurance market is still growing and expanding. Especially popular areas - life insurance: every year this service is increasingly in demand. If we analyze the insurance situation in the country as a whole, we can conclude, the total number of companies in the market as a result of the crisis has decreased. At the same time in this segment were only strong and competitive participants.

Motor insurance agency is advertising ahead of each individual insurance services, as the work of an insurance agency - is the sale of insurance services.

With each specific insurance services they need to go to the target customer audience, sometimes mixing them. Effective solution will offer "two for one" – discount while insuring two objects.

For a small start-up capital and the inability to immediately give a wide range of insurance services, you can stay on the same kind of services. Important, to this trend it was still not widespread in the market or even new. In the absence of competition can achieve high results in business development. And with the development of business in the future to add new insurance services.

according to statistics,, It works best such methods of advertising:

– the Internet: creation and promotion, размещение информации о страховых услугах на тематических сайтах, применение баннерной и контекстной рекламы;

– mass media, особенно использование тематических изданий. Это позволит максимально охватить целевую аудиторию;

реклама в банках, на предприятиях или АЗС.

Хорошим методом будет предложение услуг непосредственно потенциальным клиентам – организациям и предприятиям – в виде интернет-рассылок с информацией о действующих пакетах услуг. Отзывы клиентов – один из лучших методов продвижения в этой сфере. Это связано с высокой стоимостью страховых услуг и невысоким уровнем доверия потребителей к малоизвестным и непроверенным компаниям.

Как в короткий срок открыть собственный страховой бизнес – in the video:

Finance

Вначале необходимо рассчитывать на минимальный капитал размером в 20 million. rubles. Наличие такой суммы позволит уверенно начать бизнес и не бояться временного отсутствия прибыли.

При открытии страховой кампании необходимо рассчитывать на такие основные статьи расходов:

item of expenditure Расходы в месяц Расходы за год Единовременные затраты Итого расходы за год
rent (purchase) room (from 40 m) 30000 360000 60000 420000
Purchase of equipment, включая компьютеры и оргтегхнику 106000 106000
Покупка автомобиля 430000 430000
Create site, hosting, скрипты 120000 120000
Рекламные расходы 45000 540 thousand. 540 thousand.
Оплата труда 332000 3,9 million. 3,9 million.
Налоги 99800 1198000 1198000
Additional expenses 71560 71560
Total 407 thousand. 4,9 million. 788 thousand 5,7 million.

Таким образом финансовый итог относительно вложений на протяжении первого года работы компании следующий: для открытия и развития страховой компании в обозначенный период нужно иметь в наличии сумму в пределах 6 million rubles. Это условие актуально для небольшой организации численностью в несколько страховых агентов. Если изначально открывают более масштабную организацию, эта сумма может увеличиться вдвое. Однако данный проект предусматривает постепенное расширение масштаба компании.

Финансовый год начинается в январе. Как раз с начала года будет отсчитываться срок осуществления налоговых выплат. Перечень налогов для ООО при стандартной системе налогообложения будет следующим:

Name base Period tax rate
Tax on profits earned profit 1 month 20%
NDS added value 1 month 18%
Property tax value of property According to the schedule 2,2%
Income tax wages fund 1 month 13%
Social Security contributions wages fund 1 month 30%

Доходная часть бизнес-плана должна начинаться с составления примерной ценовой политики будущего агентства. Этот показатель определяется с учетом себестоимости организации и действующей в отрасли ценовой политики. Средние тарифы на услуги страхования в стране на сегодня следующие:

Виды страхования Страховой тариф (% от страховой суммы
Страхование жизни 0,15 – 0,6%
Страхование автотранспорта 0,1 – 0,5%
Страхование недвижимости 0,11 – 0,5 %
Страхование перевозок авиатранспортом 0,1 – 0,35 %
Иные страховые случаи 0,1 – 0,8%

Разделив весь 2-летний срок открытия и развития бизнеса на 2 основных этапа – инвестирования и функционирования, можно составить следующий план предоставления услуг:

Period Type of service Объем производства и реализации за 1 months. (PC.) price, rub. Revenues from sales, rub.
1 – 12 monthly investment Страхование жизни и здоровья 20 person from 120 thousand. from 2,4 million.
1 – 12 monthly investment Иное страхование 100 объектов from 17 thousand 1 million. 680 thousand.
13 – 24 month operation Страхование жизни и здоровья 50 person from 134,4 thousand. from 6,7 million.
13 – 24 month operation Иное страхование 200 объектов from 18,5 thousand. from 3,7 million.

Если в будущем сохранится действующие на сегодня тенденции рынка, то есть прирост объемов предоставления услуг в размере 10 – 22% in year, то ежегодный рост объемов реализации услуг предприятия достигнет более 58 million rubles a year.

Чтобы преодолеть сложности на входе в рынок и беспрепятственно пройти входной барьер, обязательно привлекать высококвалифицированных специалистов и применять качественное оборудование. Обязательна грамотная маркетинговая стратегия и хорошо продуманная рекламная кампания. Чтобы найти лучших специалистов, необходимо выделить примерно 1 месяц на поиск кадров, методом проведения собеседований отобрав лучших.

risks

Планируя доход предприятия, обязательно учесть и все возможные риски.

The main ones are

высокий уровень конкуренции в страховой отрасли;

отсутствие должного доверия среди потенциальных клиентов, в особенности – частных лиц;

высокий уровень конкуренции в отрасли на должности топ-менеджеров и специалистов иных направлений;

высокий уровень капитализации инвестиционных вложений.

Вывод об открытии страхового агентства как вида бизнеса может быть следующим. First of all, такое предприятие потенциально высокоперспективно и выгодно, отличается высокой рентабельностью и постоянно возрастающим спросом среди потенциальных клиентов. Все эти преимущества имеют место при грамотной организации работы компании и своевременно проведенной рекламной кампании. Из слабых мест этой отрасли – высокая конкуренция, сохранение недоверия среди целевой аудитории и отсутствие конкретики в законодательной базе. В будущем перспективы страхового бизнеса будут зависеть от общей экономической ситуации в стране, качества законодательного регулирования этого вопроса, а также грамотного планирования бизнеса каждым предпринимателем.

Основные особенности открытия страхового агентства – video:

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