Car insurance. How to start an insurance business

The insurance business in Russia is one of the few areas that, even today, during a protracted economic downturn, does not lose its relevance. Therefore, in this publication we would like to consider the question that interests many: how to become an auto insurance agent.

Let's try to figure it out

Before we talk about the steps you need to take to start this business, you need to decide how exactly you want to implement it. To do this you need to answer the following questions:
Do you want to be an agent for a company or represent several?
Do you have enough resources to implement this idea?
What kind of car insurance services do you want to provide?
And only after you have determined all these nuances, you can begin to draw up a business plan and calculate your potential profit.
Well, now, the actual plan on how to become an auto insurance agent.
1. Analyze the market and determine the circle of potential companies with which you would like to cooperate;
2. Organize contacts with the selected companies, receive a list of necessary documents. Study it and prepare a complete package;
3. Compose your resume, try to describe in detail your experience and personal qualities that allow you to work in this field;
4. Attend the interview and try to make the best impression;
After all stages have been completed, you can begin your activities. You can start your activities! In order for your business to be successful, attend sales training, study all the information that will help you master the technologies of attracting new customers. This must be done even if you consider yourself to have similar experience.

Auto insurance as a business

After the initial stage in the career of an insurance broker has been completed, it is time to think about how to reach the next stage and open an office selling insurance contracts. According to many experts, car insurance has the greatest potential in the range of insurance products.
In theoretical terms, the insurance process is a type of relationship between an insured and an insurer interested in protecting their property interests and liability from any unpleasant consequences. To do this, an insurance agreement is concluded between the parties, which specifies the amount of the contribution, the amount of payments and the procedure for their implementation.
On the other hand, the insurer’s responsibility includes the formation of a certain insurance fund, from which, in the event of an insured event, compensation is paid within the framework specified in the contract.
When thinking about how to open car insurance, be it a representative office or a newly created company, it is important to understand that the goal of the insurer, like any entrepreneur, is profit. In this case, its volume will entirely depend on the number of transactions concluded, namely on the volume of sales of CASCO and MTPL policies. In turn, profit, as well as the size of the insurance fund, is a guarantee of the company’s stability.
Based on the practice of Russian companies, in order to achieve success, it is necessary to conduct their activities in several directions at once. This is due to the fact that, firstly, sales of compulsory motor liability insurance are strictly regulated by current legislation. And since in this case the insurer cannot in any way influence the final price of the insurance product, then, according to most experts and analysts, a business solely on the sale of compulsory motor liability insurance policies is not initially profitable. Secondly, such a multi-purpose project has a greater chance of success from a commercial point of view.
On the other hand, the implementation of CASCO policies has a deeper potential than simply the implementation of insurance contracts. So, in this case, the entrepreneur has more freedom in setting tariffs and coefficients.
But even in this case, it is impossible to say for sure which car insurance is better from a business point of view. Both programs have their own nuances. Thus, OAGO practically does not bring profit, but CASCO insurance has a low level of popularity due to its high cost.
The combination of these two forms is considered the most rational way of doing business. In addition, the provision of additional services, such as:
Expert and appraiser services;
Advisory assistance after an accident;
Technical assistance;
Other insurance products.
The listed services can be added as additional options to the CASCO insurance policy.
These were the general concepts about auto insurance products. Now let's talk more specifically.

How to open auto insurance (office)

In order to open a point selling CASCO and OSAGO policies, you must first choose the right premises. In order for your costs to be justified, your office must be located simply in a good location, but where a large number of your potential clients are possible.
According to most businessmen, before reaching a new level and wondering how to open an auto insurance office, you need to carefully calculate everything. Otherwise, the enterprise being organized may not recoup the investment, and the novice businessman will fail.
A good place to open an auto insurance office today can be various shopping centers, business centers and other similar places.

What documents are needed for car insurance?

Like any other, auto insurance as a business is, first of all, a registered company, the form of ownership of which is selected depending on the goals and scale of the project being implemented.
If we are talking about creating an insurance company, in this case, in addition to registering a legal entity, an appropriate license will be required, which can only be obtained if the company’s authorized capital is fully contributed in the amount of at least 120 million rubles.
If an entrepreneur intends to operate as an insurance agency, which essentially means conducting an intermediary business, the following will be necessary:
Register an LLC or individual entrepreneur;
Conclude agency agreements with partner insurance companies;
rent an office;
It seems to us that it is quite clear what documents are needed for car insurance.

How to Become a Home Auto Insurance Agent

Modern technical capabilities, combined with changes in insurance legislation and the introduction of electronic certificates, have led to the fact that today you can conduct an insurance business without leaving your home.
If you're wondering how to become a home-based auto insurance agent, the answer is obvious. You need to create a thematic portal through which you can offer all its visitors the insurance offers you have.
However, you should not think that such a business concept will automatically generate income. Working via the Internet is work that takes not only time, but also requires constant investment of other resources, such as money and a constantly updated knowledge base of the owner of such a business.
At the end of the publication I would like to dwell on one more important point. When choosing auto insurance as a field of activity, which companies are best to choose as a partner.
In fact, answering this question, it is very difficult to give specific recommendations, but we want to highlight a certain group of criteria that can be used when choosing a business partner.
The insurance company whose insurance products you are going to sell must have:
reliable reputation;
stable history;
comfortable conditions for cooperation;
extensive branch network.
This is not the entire list of aspects that you should pay attention to. However, even this is enough to understand in which direction it is necessary to move further.

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400,000 ₽

Minimum starting capital

1.5 years

Payback

13 %

Profitability

About 30% of the corporate segment of the market is occupied by small companies, and no more than 45 of them have a turnover of over two million dollars per year. Thus, even with fairly high competition and the existence of major players in the market, newcomers have every chance to take their place in the market (even if initially small, but with the prospect of further development and expansion).

The assortment of most stationery stores includes products of both foreign and domestic production. The quality of imported goods is often higher than Russian ones, but the situation is gradually changing. Manufacturers (primarily paper and white products) are switching to modern equipment, developing new designs, and using high-quality raw materials.

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In the structure of imported office supplies, the share of products from Southeast Asian countries is increasing, the design of which is often not inferior to European stationery, and prices are often lower. Additional advantages also include a wide range and frequent changes in the model range.

For this reason, in some product groups the share of Asian products can reach up to 50%. However, from the point of view of Russian consumers, a product of Asian origin should be “cheap”, even if it is not inferior in quality to European or domestic products. For this reason, many large and medium-sized wholesale companies that sell office supplies often order products from Asian countries under their own brands.

Profitability of opening a stationery store

The annual capacity of the Russian office goods market is up to 2.5 billion dollars. This segment is considered the most promising, along with office supplies for schoolchildren. The stationery industry's growth, which is up to 45% per annum, is largely due to an increase in the supply of office stationery supplies.

The following participating companies are represented in the stationery market: manufacturers, distributors or importers of certain brands, wholesale companies or companies that resell brand products, companies specializing in servicing corporate clients, retail stores and large chain stores. The market leaders in terms of working capital volume are Komus, Regent, Escort, Office-Premier, ProBuro, Pharm, Bureaucrat, and Chancellor.

So, your stationery store can be aimed at a wide target audience (parents of preschoolers and schoolchildren, schoolchildren themselves, students and other buyers) or have a narrower specialization (products for creativity, for school, for the office, etc.). As mentioned above, office supplies account for more than 60% of total stationery sales.

The profit in this segment turns out to be much higher than in the school segment, which attracts the attention of novice entrepreneurs. However, you need to take into account that when working with office products, the format of an online store with a delivery service for goods to the office is more suitable. We are considering the option of opening a regular stationery store, where products for schoolchildren, preschool children, students and the widest audience will prevail. The bulk of purchases comes from the first two groups of buyers.

Stationery products are classified as general consumption goods. The demand for such products depends little on the season, as well as on the economic situation in the country, because even despite various economic crises, children continue to go to educational institutions and they need pens, notebooks, covers for textbooks, art supplies, etc. Although completely It is still not worth excluding the influence of seasonality on sales. Thus, the greatest demand is observed in the period from July to September, when parents begin to purchase office supplies for school. From October to July, the stationery store's income is relatively stable (with some decline in the period from May to July).

How to register a stationery store correctly

To open a stationery store, you need to register as an individual entrepreneur, which will be easier and cheaper than registering a limited liability company. However, if you plan to do business with a partner or several partners, and also intend to engage in wholesale trade, then it is recommended to register an LLC.

The type of activity of your company according to OKVED refers to “Retail trade in stationery and stationery products” (52.47.3). No special documents are required to open a stationery store. The standard list of necessary documentation that you will need to obtain includes a Sanitary and Epidemiological Certificate (issued by the State Sanitary and Epidemiological Supervision Service) and a Fire Safety Certificate (issued by the Fire Inspectorate). Also, if you have a cash register, you will need to register it with the regional office of the Tax Inspectorate. In addition, from January 1, 2012, it is necessary that each of your employees have a certificate of completion of a medical examination.

Deciding on the location of the stationery store

Your office supply store should be located in a high traffic area. Many entrepreneurs are sure that the optimal location for such a store is the city center. In fact, this option is precisely the least preferable, because, most likely, the competition here will be much higher, as well as the rental cost. But a busy residential area is more suitable, especially if you open your store near a shopping center, grocery stores, household goods stores, children's toys, etc.

You can also rent space in the shopping and entertainment center itself, but there are a number of nuances. Stationery is a small product, but its layout requires a considerable amount of space (you need to lay out everything that is in your assortment, and so that customers can see it). On the other hand, the smaller the product, the higher the likelihood of theft. If an ordinary store can be equipped with anti-theft systems, then doing this in a small area will be more difficult and expensive. The optimal place to open a stationery store is on the ground floor of a multi-story building on one of the busy streets. A prominent sign will serve as excellent advertising in itself.

The minimum area for opening a stationery store is about 6 square meters. meters. Keep in mind that the smaller the area, the more difficult it is for your store visitors to navigate the assortment due to the too dense display of goods on the display windows. In addition, on the territory of your store there should be a warehouse space where stocks of goods will be stored. It can be quite small, since stationery products are mostly compact in storage. In extreme cases, you can separate part of the retail space for a utility room, but this option is the least preferable. Keep humidity levels low in your office and sales area, otherwise paper products will quickly deteriorate.

What is included in the range of a profitable stationery store?

The range of a standard stationery store includes writing instruments, PP and PVC products (folders), cardboard file folders, paper and cardboard products, glue and proofreading, plastic file folders, corners, horizontal trays, bookends, ring folders , adhesive notes, stationery items (paper clips, buttons, etc.), staplers, notepads, notebooks, desk sets and other accessories, staplers, binders, adhesive tapes, scissors, etc. Value-added products are in greatest demand. This may include quality, attractive design and functionality.

Consumers give preference to multi-purpose products (such as, for example, pencils with erasers, staplers with anti-staplers, marker pens, proofreading pens, etc.). They are ready to buy them even if the price of a functional item is not much different from the price of the same goods sold separately. The color and design of stationery are of great importance.

Ready ideas for your business

Children of preschool and school age, as well as students, prefer stationery products in bright colors with eye-catching pictures. The adult audience is more restrained in its preferences, but modern design is also of great importance to them. You should not purchase exclusively cheap goods, hoping to attract as many buyers as possible. Modern consumers are becoming more and more discerning and demanding about the quality of goods. However, expensive products also run the risk of remaining on your shelves.

It is best to place your bet on products in the mid-price category - high-quality and beautiful. For example, when choosing between cheap 12-sheet notebooks with green covers and more expensive notebooks with colored covers made of thin cardboard, give preference to the latter.

It will still be more profitable to buy cheap notebooks in various super- and hypermarkets, which can afford, thanks to the varied assortment, to put a lower markup on some goods and/or purchase them from manufacturers at more favorable wholesale prices. You don’t have this opportunity yet, so it’s better to offer a wider selection of mid-price products (3-4 varieties of one type). You may not be able to compete with large chain stores, but it is essential that your prices do not differ significantly from those of your direct competitors.

Ready ideas for your business

Even with a difference of 5-10 rubles per position, potential buyers may give preference to another store. In addition, keep in mind that on the eve of school, parents buy the necessary stationery in large quantities, and saving five rubles on one item can ultimately turn into a significant amount.

Sales and marketing of an office supply store

Experts advise constantly changing the display of goods. This will create a feeling of wider choice and make it easier to find the product you need. Seasonal items that are in greatest demand during a particular season (usually school supplies) are displayed prominently. At the end of the season, part of the unsold goods is returned to the warehouse, and part is sold almost at the purchase price. Don't be greedy and hide it until next season. Some products will simply lose their relevance (for example, calendars, diaries for a certain year, notebooks with this year’s idols on the covers, etc.), and some, after long-term storage, will no longer look like a new product.

If possible, try to expand the range of your store. You can include in it, in addition to office supplies, educational and children's books, souvenirs and gift products, small toys, stickers, calendars, bookmarks, etc. All this will help increase profits (although you will have to invest a little more).

Small stationery stores, as a rule, purchase products from wholesale companies. Select 2-3 suppliers who offer goods at the lowest prices and with working conditions that suit you. Find out the delivery conditions in advance, even if the company is located in your city. In most cases, it will be more convenient if you do not go to pick up the goods, but the supplier brings it to you. Of course, it is much more profitable to purchase goods directly from the manufacturer, but most likely the minimum batch size will be too high, and the cost of delivery from another region may even “eat up” all the benefits from purchasing directly.

To display the goods, you will need special retail equipment, which includes display counters, racks, stands with hanging elements (shelves, nets, hangers, etc.). Some equipment can be made independently. To save money, you can also purchase used equipment. Separate racks will also be required for the warehouse, otherwise neither you nor your sellers will find the necessary goods there.

It is also quite possible to make these racks yourself or purchase ready-made ones, including in non-specialized stores (for example, such as Ikea). Don’t forget about a sign with the name of your store, posters or window stickers, if it is not possible to make a beautiful display window, a pillar where you will post announcements about the store’s assortment, ongoing promotions and discounts.

Financial calculations for a stationery store

To work in a small store, two sales assistants are enough to work every other day. However, if the sale is not intended to be in the “behind the counter” format, then you will need an additional cashier and 1-2 sales assistants who will keep order, answer customer questions, replenish stocks of goods on the shelves, and arrange them. Additionally, more service staff will be needed before the start of the school year, otherwise your two vendors may not be able to handle the increased number of customers.

To open a small stationery store you will need from 400-450 thousand rubles. This amount includes rent, purchase of the first batch of stationery, and minimal retail equipment. However, there will be additional expense items - ordering and installing signs, advertising, wages for sellers for at least the first three months of work. The markup on stationery reaches 200% for cheap products and 50-70% for more expensive products. Payback periods range from 1.5 years.

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A person can have many incentives to start his own business.

This is the desire to become independent and self-reliant financially, to reveal your professional and creative potential, etc. With such a high level of competition as in Moscow, not every novice entrepreneur can succeed in business and develop his company to the level of a reputable company. If you want to open your own small business, you first need to decide on the choice of direction of activity. To do this, you can make a list of two points. In the first, write what you would like and would be interested in doing. In the second - what you can do well. Then you should cross out all the less promising options. In this case, you also need to take into account your financial capabilities.

Once only one item remains on the list after sifting out the weak options, you will need to write down your advantages in this area over your competitors. You need something special that others, if they can do, will not do it en masse. The main competitive advantages include a low price, an interesting image, or, for example, a novel idea, etc. If you manage to find at least a couple of options, then the chosen idea can turn out to be quite successful and begin to generate good income if the business is organized correctly.

Anyone who wants to open their own small business should think about how it will be organized. You need to have a clear idea of ​​what the company will do, what duties the employees and administration will perform, what will be needed to open an office and run smoothly and productively, etc. Answers to these points will need to be supported by numbers and a detailed business plan drawn up. It is needed in order not to ignore any of the nuances when opening your own business, to avoid all kinds of mistakes and to find out the amount of investments required to open a company, subsequent expenses and income from activities.

Let’s say an entrepreneur has always been interested in different countries, is fluent in foreign languages ​​and can easily find a common language with absolutely any interlocutor. He decided to start his own business in the field of providing tourism services. Opening a travel company is not difficult. Plus, this type of activity does not require costs for purchasing goods, for example, as when opening a store.

Let's consider step by step how to bring this idea to life and draw up a general business plan

1. If an entrepreneur does not have experience in the tourism sector, then it would be useful to complete courses for tourism managers before starting. They last from two weeks to a month and cost little. The courses will tell you a general idea of ​​tourism, how and what works in this field of activity, the subtleties and features of the tourism market.
2. To open any type of activity, you first need to register. Registration of a travel agency is most often carried out as a Limited Liability Company (LLC) or Individual Entrepreneur (IP). Registration is completed with the Tax Authority.
3. Find a suitable premises for the travel company and rent it. An agency does not need a very large premises. For two managers to work, 15-20 sq.m. will be enough. m. Office location is already half the success. It should be located in a public area, not far from the metro station. The ideal option is to rent a room in a shopping center.
4. The next steps will be to purchase everything necessary to open an office and arrange it. When purchasing everything you need, you need to consider how many people will work in the office. It is important not to miss anything here. You definitely need to remember to purchase a sign, otherwise potential clients may simply not find the office, and clients from the street will never come in because they will not know about the existence of a travel agency.
5. After equipping the office, you need to take care of connecting the telephone line and the Internet, since they are one of the main tools in the work of a travel company.
6. Purchase and registration of a cash register with the tax authority.
7. You should think about advertising. For a successful start of a travel agency, advertising is very important. This could be distributing leaflets with information about the agency near the metro station, advertising in the media or joint advertising with tourist operators, etc. There are a lot of advertising options.
8. This travel agency may have its own characteristics. You can open the sale of wedding tours or start organizing some non-standard trips, etc.

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Expenses when opening a company can be divided into one-time and monthly

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One-time expenses

• state duty for registration of individual entrepreneurs - 800 rubles;
• opening a personal bank account - 2,200 rubles (the exact amount depends on the tariff of the selected bank);
• equipment for the manager's workplace (table, shelving, 3 chairs, computer, MFP) - 44 thousand rubles;
• connecting a telephone line - 500 rubles;
• cash register - 23 thousand rubles;
• sign - 7 thousand rubles.

Total: 77,500 rubles

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Monthly expenses

• office rent - 14 thousand rubles (the exact amount depends on the area of ​​the premises and its location);
• salary of an employee - 15 thousand rubles;
• payment for Internet and telephone - 2600 rubles;
• stationery - 1 thousand rubles;
• advertising - 5 thousand rubles.