The insurance business in Russia is still at the stage of its formation. The culture of insurance is not yet as developed as in Western countries, however, the state obliges motorists to conclude motor third party liability insurance contracts. But in this direction of the insurance business for the entrepreneur there is a problem - tough competition.
It is necessary
- - registration and permits;
- - premises;
- - furniture, office equipment and consumables;
- - brokerage agreements with insurance companies;
- - staff;
- - advertising.
Instructions
Step 1
If you decide to become part of the insurance business, then instead of opening an insurance company, you can become a broker, offering to sell insurance to other firms for a fee. The broker is not legally responsible to the insurer and does not guarantee the solvency of the insurance company.
Step 2
To sell OSAGO policies, you must first register with the tax office as a legal entity or individual entrepreneur, get your hands on the relevant certificates.
Step 3
Insurance is a licensed type of activity, therefore, a license is required for a broker selling an OSAGO policy.
Step 4
Find a good location somewhere in a large shopping center, on a crowded street, or even better, directly in places where motorists congregate, such as car markets and salons, services, technical inspection points, traffic police. Purchase furniture, office equipment and supplies.
Step 5
Enter into brokerage contracts with major insurance companies. Let the assortment be small, but on sale you will have MTPL policies of the most famous companies, as well as those that provide customers with additional bonuses, discounts, gifts.
Step 6
You need to have a long working day, serve clients on weekends and without a lunch break, so it is unlikely that you can manage with such a load on your own. Hire one or two client managers.
Step 7
Don't forget about posting ads. Use a variety of tools to attract customers: signs and pillars, posters and flyers in places where potential customers congregate, advertisements in local advertising publications.
Step 8
A good solution would be to open a website on the Internet and organize the delivery of OSAGO policies to your home, because most motorists are very busy people. It is best to entrust the writing of the site and its promotion to professionals in order to provide yourself with a large audience of potential buyers.
