Profit model of insurance brokerage company

Business model of insurance brokerage company

First, the basic situation of customers survey

1. Understand the basic information of the customer, including the customer's name, address, contact information and industry. Understand the insurance needs of customers, including: basic information of the subject matter insured, industry risk status, insurance period, insurance status, etc.

2. According to the basic situation of customers, make a preliminary analysis of the risks they face, identify risks, determine insurance requirements, and submit insurance proposals to customers. Second, authorization.

1. Before accepting the formal entrustment from the customer, truthfully inform the customer of the business scope, rights and obligations, work flow, and explain the service content, self-qualification, brokerage fee collection method and other matters of insurance brokerage work.

2. Obtain the client's power of attorney, sign an insurance brokerage service agreement with the client, and specify the subject matter, service scope and rights and obligations of both parties. In the power of attorney or agreement, it is clear that the customer has the obligation to provide relevant information comprehensively and truthfully according to the needs of insurance brokerage work. Third, draw up an insurance plan.

1. Learn more about customers' insurance needs, analyze all kinds of risks faced by customers through appropriate questionnaires or field surveys, help customers identify risks, evaluate their project risks, and provide professional advice to customers.

2. According to the risk characteristics of insurance projects and customers' needs, in order to obtain the most adequate protection for the project, provide customers with relevant risk transfer suggestions and tailor the appropriate insurance scheme. Four. Inquiry and quotation analysis

1. Send the insurance plan approved by customers and relevant underwriting materials to the relevant insurance companies in written form such as inquiry or tender documents for inquiry.

2. After receiving the quotation from the insurance company, make a comprehensive analysis and comparison on the quotation conditions (insurance premium, deductible, main terms, etc.). ), solvency, claim authority, service commitment, service level of claim adjusters, and payment efficiency of relevant insurance companies, providing professional guidance to customers and recommending suitable insurance companies. 3. If the quotation of the insurance company has additional conditions (such as restrictive clauses, deductibles, etc.). ), or the coverage of the quotation can not meet the requirements of customers, customers should be specially reminded. V. Handling insurance procedures

1. After the customer determines the final insurance scheme and insurance company, the company obtains the written confirmation from the customer and issues a written issuance notice to the selected insurance company. The customer's written confirmation shall clearly indicate that he has fully understood and strictly and comprehensively fulfilled the insurance notification obligation.

2 urge the insurance company to issue an insurance policy or a temporary insurance confirmation within the specified time. After you get the insurance company's policy documents, you should carefully check the policy contents to ensure that the policy contents are completely consistent with the customer's written confirmation. 3. Keep a copy of the insurance policy, send the original insurance policy to the customer in time, and go through the signing formalities. When submitting the policy, a written notice should be attached to remind the customer of the exemption clause of the policy, the obligations of the insured and the settlement procedure.

4. According to the insurance premium payment conditions agreed in the insurance policy, issue a written notice of insurance premium payment to the customer in time to remind the customer to fulfill the payment obligation, so as not to affect the effectiveness of the insurance policy.

5. After paying the premium, the customer should transfer the money in time, get the premium invoice from the insurance company and hand it to the customer, and copy it for filing.

Daily service of intransitive verbs during insurance period.

1. Submit the customer service manual to the customer within 30 days after the insurance policy takes effect.

2. Visit customers regularly to learn the latest situation of the subject matter insured. Once they find any changes related to insurance, they should immediately remind customers and negotiate solutions. If it is determined that the insurance policy needs to be modified, it shall notify the insurance company in writing to issue an examination and approval form according to the written notice of the customer, and modify or add the contents of the insurance policy.

3. Keep in touch with customers and answer their questions or problems in time.

4. Pay close attention to the dynamics of the insurance market and the changes of relevant laws and regulations. Once it is found that it has an impact on the insurance amount or the risk of the insured object, inform the customer in time and suggest taking countermeasures.

5. Pay attention to the solvency of insurance companies. When there is a problem with the solvency of an insurance company, it shall promptly notify the customer.

Seven. Assist in claiming compensation

1. Contact the insurance company as soon as possible after receiving the accident report from the customer, and advise the customer to take timely rescue measures to control the loss. When necessary, quickly send personnel to the scene of the accident, help customers prepare for claims, help customers fill out the accident notice and claims report, and send them to the insurance company in time.

2. Keep in touch with insurance companies and insurance adjusters (if any insurance adjusters are involved), assist customers to solve difficult claims and strive for fair, reasonable and timely compensation. Eight. Update arrangement

45 days before the expiration date of the policy, submit a summary report on the policy implementation and claim settlement of the last insurance cycle to the customer, draw up a renewal plan according to the customer's renewal requirements, send a renewal notice to the insurance company after obtaining the customer's confirmation of renewal, urge the insurance company to issue a renewal policy in time, send it to the customer after verification, and inform the customer to fulfill the payment obligation in time.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.