Insurance continues to hold a strong position in today's market. High competition does not scare away those who decided to create their own business in this area. One of the effective solutions is the expansion of the range of services and the transition to innovative products, for example, insurance of risks in shared construction or property rights to real estate.
It is necessary
- - business plan;
- - start-up capital;
- - office;
- - qualified personnel.
Instructions
Step 1
Start organizing your insurance business with planning. A detailed business plan will help not only to correctly prioritize, but also not to miss important details at the stage of business formation. Provide in the plan an introductory part, an organizational section, blocks related to enterprise financing and marketing. A carefully crafted business plan can be used to obtain additional funding if the need arises.
Step 2
Choose the organizational and legal form for the future enterprise. It can be a joint stock company, a limited liability company, or a mutual insurance company. In the organization's charter, list all types of insurance that you plan to pursue, including expertise and insurance-related property valuation.
Step 3
Consider the financial costs of starting a business and sources of initial funding. Since January 2012, the size of the authorized capital of an insurance company cannot be less than 120 million rubles. At the same time, keep in mind that there are still increasing coefficients for the types of insurance activities. The main costs will be required for the purchase or rental of office space and business advertising.
Step 4
Get a license for insurance services. This procedure takes from six months to a year. To obtain a license, prepare the constituent documents of the company, a business plan, approved insurance rules, tariff calculations and other documents established by law.
Step 5
Prepare the office space for the insurance company. Being representative in its main function, the office should be located in the central part of the city, next to the metro station. It is desirable to have convenient parking nearby. The decoration of the premises should be kept in a strict business style.
Step 6
Find qualified personnel. The insurance staff are the backbone of your insurance business. Since it will be difficult at first to ensure an influx of experienced professionals, consider a training system for employees. One of the incentives for an agent to work can be a flexible work schedule, benefits package and fair remuneration.
