Typical job description of the company rosgosstrakh. Job description of an insurance agent, job responsibilities of an insurance agent, sample job description of an insurance agent. Daily duties include

1. General Provisions

1.1. An insurance agent belongs to the category of technical executors.
1.2. An insurance agent is appointed to a position and dismissed from it by order of the head of the company.
1.3. The insurance agent reports directly to the head of the structural unit.
1.4. During the absence of an insurance agent, his rights and obligations are performed by a duly appointed person.
1.5. A person who has a secondary vocational education and special training in accordance with an established program is appointed to the position of an insurance agent without presenting requirements for work experience.
1.6. The insurance agent must know:
- regulatory legal acts, regulations, instructions, other guidance materials and documents regulating the activities of insurance bodies;
- types of insurance services and conditions of various types of insurance;
- legal basis for the development of insurance activities, taking into account regional specific conditions;
- the current system of social guarantees;
- methods for determining the degree of risk when concluding contracts for insurance services and assessing the damage caused;
- fundamentals of a market economy;
- Fundamentals of psychology and organization of work;
- the procedure for concluding and executing contracts for insurance services;
- domestic and foreign experience in organizing insurance of the population and business entities;
- basics of labor legislation;
- Rules and norms of labor protection.
1.7. The insurance agent is guided in his activities by:
- legislative acts of the Russian Federation;
- the Charter of the company, the Internal Labor Regulations, other regulatory acts of the company;
- orders and directives of the management;
- this job description.

2. Job responsibilities of an insurance agent

The insurance agent performs the following duties:

2.1. Carries out operations on the conclusion of contracts of property and personal insurance.
2.2. Studying regional conditions and demand for certain insurance services.
2.3. Analyzes the composition of the regional contingent of potential customers, serves individuals representing institutions, organizations and enterprises of various forms of ownership.
2.4. Conducts reasoned conversations with potential and regular customers in order to interest them in concluding or renewing insurance contracts (life and health, movable and immovable property, entrepreneurial and commercial activities, etc.). In the process of working with clients, he monitors, evaluates the characteristics of perception, memory, attention, motivation of behavior and ensures mutual understanding when concluding contracts for insurance services.
2.5. Establishes the criteria and degree of risk when concluding contracts for insurance services, taking into account the state of health, age, gender, education, work experience, level of material support and other subjective qualities that characterize the client.
2.6. Concludes and draws up insurance contracts, regulates relations between the insured and the insurer, ensures their implementation, accepts insurance premiums.
2.7. Ensures the correctness of the calculation of insurance premiums, registration of insurance documents and their safety.
2.8. It contributes to the formation of interest and demand for the insurance services provided, taking into account the need to strengthen the material and moral support of various segments of the population, as well as the increase in the risk associated with competition, bankruptcy, unemployment and other socio-economic processes taking place in modern conditions.
2.9. Provides assistance to clients in obtaining comprehensive information about the conditions of insurance.
2.10. Carries out work to identify and record potential insurers and insurance objects, evaluates the cost of insurance objects.
2.11. During the period of validity of the concluded contracts, it maintains contact with individuals and legal entities that have entered into contractual relations for insurance services.
2.12. In the event of damage to the insured, it evaluates and determines its amount, taking into account the criteria and degree of risk.
2.13. Considers complaints and claims from clients on controversial issues of calculation and payment of insurance premiums, payment of insurance compensation in the event of an insured event in accordance with the terms of the contract.
2.14. Determines the causes of violations of insurance contracts and takes measures to prevent and eliminate them.
2.15. Explores undeveloped types of insurance services and prospects for their development in order to apply in their practice and in the creation of insurance bodies and services.
2.16. Timely and in accordance with the established requirements draws up the necessary documentation, keeps records and ensures the storage of documents related to the conclusion of insurance contracts.
2.17. Liaising with other insurance agents.

3. Rights of an insurance agent

The insurance agent has the right:

3.1. Get acquainted with the draft decisions of the management of the enterprise regarding its activities.
3.2. Request personally or on behalf of the immediate supervisor from the heads of enterprise departments and specialists information and documents necessary for the performance of his duties.
3.3. Submit proposals for improvement of the work related to the responsibilities provided for in this instruction for consideration by the management.
3.4. Within the limits of his competence, report to his immediate supervisor about all the shortcomings identified in the course of his activities and make proposals for their elimination.
3.5. Require the management of the enterprise to assist in the performance of his duties and rights.

4. Responsibility of the insurance agent

The insurance agent is responsible for:

4.1. For improper performance or non-performance of their duties.
4.2. For offenses committed in the course of their activities.
4.3. For causing material damage to the organization.
4.4. For non-compliance with current instructions, orders and orders for the preservation of trade secrets and confidential information.
4.5. For violation of the internal labor regulations, labor discipline, safety and fire safety rules.

The measure of responsibility is determined by the current labor and civil legislation of the Russian Federation.

The profession of an insurance agent is very prestigious in large cities.

An agent is a person who acts on behalf of a certain company and concludes insurance contracts.

Now you can find a huge number of vacancies with fairly decent wages. Is insurance agent really such a prestigious profession?

Insurance agent- a link between a large company and people who want to make their lives safer. The insurance agent is obliged to find out the wishes of the client, tell him about the possible insurance conditions, current tariffs and compensation payments.

After these actions, an insurance contract is concluded on the most favorable terms for the client.

This profession has certain requirements for candidates. Fits sociable and purposeful people. Any person who has reached the age of majority can become an insurance agent.

Responsibilities of insurance agents

Search for clients. Insurance agent on one's own is looking for clients who will use its services. It is very difficult to develop a base at first and it will take a lot of effort. Depends on the number of clients salary.
Conclusion of contracts. An insurance agent must be able to conclude contracts for each type of insurance. Also, this specialist makes renegotiation of contracts. Bears liability.
Damage assessment. Often companies allocate a position to special employees who assess material damage. However, each insurance agent is required to be able to do this on their own.
Accounting and preservation of documents. The insurance agent is fully responsible for storage of insurance policies and contributions.
Service advertising. Insurance agents must active advertising their services to the public. Attracting new customers is a prerequisite for the work of an insurance agent.

The main and main task of the insurance agent is Attraction of new clients.

Registration of insurance policies and contributions is the daily work of an agent. Finding new clients is largely dependent on professionalism specialist.

In order to develop a certain customer base, you need to have the skills that every insurance agent should have. An insurance agent has duties that are quite simple to fulfill, but not everyone can do it.

Qualities an insurance agent should have

Stress resistance

This skill can be called a key one, since this profession often involves conflict situations. If you are an impulsive and nervous person, you will make a terrible insurance agent.

The task of an insurance agent is to attract as many people as possible to any type of insurance.

It's simple - the customer is always right. Even if he yelled at you when you came to draw up an insurance policy or gave you unflattering words - he is right, and you should come back later.

It is worth understanding that you need to cherish every client and the last boor should be an interesting and good-natured person for you.

Sociability

The ability to find answers to all questions and find common topics with people will come in handy everywhere. For an insurance agent, this is a necessary quality. An insurance agent is obliged not only to accurately tell the list of services, but to be able to interest a person.

That's why insure the refrigerator or food processor? You must explain that manufacturers have stopped monitoring the quality of the goods, and you will help correct the situation - even if something breaks, a person will be able to buy a new device without loss. Or to remind you of thieves who do not disdain even a refrigerator.

industriousness

You will not be able to sit and do nothing with such a profession. Every minute you have to think - where to find new customers. And after smart thoughts visit you, go to the implementation of your ideas. Insurance agent - quite active work that won't let you sit still. Irregular work schedule involves the provision of insurance services both in the daytime and in the evening.

Resourcefulness

Insurance agents who sit at the points and draw up comprehensive insurance know that the worst thing in professional activity is to make rounds in the private sector.

Every insurance agent who went around the houses of “nervous and embittered” people at least a couple of times doubted that he had chosen the right education. Not every insurance agent will be hired to work for a certain “point”, and if they are, this does not mean that there will be an influx of customers.

So why is it so scary to work in the private sector? Just imagine, you had a fight with your husband, your dinner was burnt and the child broke a vase, and then an insurance agent came: “Come on, I will insure you for all occasions.”

Usually, in this case, the agent is asked to leave and the services are refused, but there are other options - tell him everything you think about such "beggars", swear, etc.

The second and worst thing that can meet you during the “bypass” is dogs, which are very numerous in private sectors. And do not try to do anything to them - maybe they have already been insured! Any harm to these "harmless" animals, even if they try to bite you, threatens with a fine.

Good memory

An insurance agent is obliged to remember all types of insurance and offer them to his clients. In addition, it is worth remembering the characteristics of certain people. If a person does not have a car, it does not make sense to offer him a comprehensive insurance policy.

Presentable appearance

Regardless of gender, an insurance agent must inspire confidence. To do this, you will need to devote a lot of time to your appearance and be neat and well-groomed.

The history of the profession and the main difference between an agent and a broker

The profession appeared in ancient times. At first, the practice of non-commercial property insurance was relevant. Subsequently, insurance acquired a commercial focus and appeared in its modern form.

In the process of formation of this industry, many institutions providing insurance services began to appear. Now you can see insurance institutions, both public and private.

insurance agent working for one company. Clients can draw up an insurance contract only on the terms and conditions provided by a certain insurance company.

If a person liked the insurance conditions in several companies at once, it is better to contact insurance broker.

An insurance broker, unlike an agent, can work immediately with several companies. He knows the range of all insurance services and accompanies the client during the validity of the policy.

Unlike an insurance agent, a broker offers the most favorable insurance conditions in different offices. Practice shows that brokers better informed about the features of the insurance market than agents.

How to become an insurance agent

Anyone can become an insurance agent. For this it is enough to have secondary education.

Many insurance companies conduct their own training of employees. A person of any age can achieve success in this profession, the main thing is purposefulness and willingness to work.

Some vocational schools provide training to become insurance agents. You can also go to special courses.

If you do not have time to study theory, you can safely contact an employer who will provide you with quality training in practice.

An insurance agent is a profession that provides career growth and high wages. It all depends on the person and desire to work.

insurance agent salary

The salary of an insurance agent depends entirely on his diligence and activity. On average, an insurance agent has 10-20% from transactions.

Actively working beginners have at least 18 thousand rubles. per month. Insurance agents with long experience up to 50 thousand rubles. Some insurance agents with a very large client base have an income of 200 thousand rubles.

When starting to work as an insurance agent, you need to keep in mind that the first time will be very hard to find clients. And this will definitely affect the salary.

Customers are money and they will not go into your own hands. If you sit still, you won't even earn a ruble.

It is also worth understanding that not all people want to insure. You will have to make a lot of effort and spend a lot of nerves to get your first salary. But over time, it will be easier to find new customers, and wages will increase.

The profession of an insurance agent, like any other, has its advantages and disadvantages. This specialty will allow you to quickly improve your financial situation and move up the career ladder, but not everyone will be able to achieve such success. If you do not know how to work with people, no other professional skills will help you find clients.

APPROVE
CEO
________________
"________"_____________ ____ G.

1. General Provisions

1.1. An insurance agent belongs to the category of technical executors.
1.2. An insurance agent is appointed to a position and dismissed from it by order of the head of the company.
1.3. The insurance agent reports directly to the head of the structural unit.
1.4. During the absence of an insurance agent, his rights and obligations shall be performed by a duly appointed person.
1.5. A person who has a secondary vocational education and special training in accordance with an established program is appointed to the position of an insurance agent without presenting requirements for work experience.
1.6. The insurance agent must know:
- regulatory legal acts, regulations, instructions, other guidance materials and documents regulating the activities of insurance bodies;
- types of insurance services and conditions of various types of insurance;
- legal basis for the development of insurance activities, taking into account regional specific conditions;
- the current system of social guarantees;
- methods for determining the degree of risk when concluding contracts for insurance services and assessing the damage caused;
- fundamentals of a market economy;
- Fundamentals of psychology and organization of work;
- the procedure for concluding and executing contracts for insurance services;
- domestic and foreign experience in organizing insurance of the population and business entities;
- basics of labor legislation;
- rules and norms of labor protection.
1.7. The insurance agent is guided in his activities by:
- legislative acts of the Russian Federation;
- the Charter of the company, the Internal Labor Regulations, other regulatory acts of the company;
- orders and directives of the management;
- this job description.

2. Job responsibilities of an insurance agent

The insurance agent performs the following duties:

3. Rights of an insurance agent

The insurance agent has the right:

4. Responsibility of the insurance agent

The insurance agent is responsible for:

4.1. Improper performance or non-performance of their official duties provided for by this job description - within the limits determined by the current labor legislation of the Russian Federation.
4.2. Offenses committed in the course of carrying out their activities - within the limits determined by the current administrative, criminal and civil legislation of the Russian Federation.
4.3. Causing material damage - within the limits determined by the current labor and civil legislation of the Russian Federation.

Job description of an insurance agent

APPROVE
CEO
Surname I.O.________________
"________"_____________ ____ G.

1. General Provisions

1.1. An insurance agent belongs to the category of technical executors.
1.2. An insurance agent is appointed to a position and dismissed from it by order of the head of the company.
1.3. The insurance agent reports directly to the head of the structural unit.
1.4. During the absence of an insurance agent, his rights and obligations shall be performed by a duly appointed person.
1.5. A person who has a secondary vocational education and special training in accordance with an established program is appointed to the position of an insurance agent without presenting requirements for work experience.
1.6. The insurance agent must know:
— regulatory legal acts, regulations, instructions, other guidance materials and documents regulating the activities of insurance bodies;
— types of insurance services and conditions of various types of insurance;
— legal basis for the development of insurance activities, taking into account regional specific conditions;
— the current system of social guarantees;
– methods for determining the degree of risk when concluding contracts for insurance services and assessing the damage caused;
— fundamentals of a market economy;
— bases of psychology and organization of work;
– the procedure for concluding and executing contracts for insurance services;
— domestic and foreign experience in organizing insurance of the population and business entities;
— basics of labor legislation;
- Rules and norms of labor protection.
1.7. The insurance agent is guided in his activities by:
- legislative acts of the Russian Federation;
— the Charter of the company, the Internal Labor Regulations, other regulatory acts of the company;
- orders and directives of the management;
- this job description.

2. Job responsibilities of an insurance agent

The insurance agent performs the following duties:

3. Rights of an insurance agent

The insurance agent has the right:

APPROVE:

[Job title]

_______________________________

[Name of company]

_______________________________

_______________________/[FULL NAME.]/

"______" _______________ 20___

JOB DESCRIPTION

insurance agent

1. General Provisions

1.1. This job description defines and regulates the powers, functional and job duties, rights and responsibilities of an insurance agent [Name of organization in the genitive case] (hereinafter referred to as the Company).

1.2. An insurance agent is appointed and dismissed in accordance with the procedure established by the current labor legislation by order of the head of the Company.

1.3. The insurance agent belongs to the category of technical executors and reports directly to [position title of the immediate supervisor in the dative case] of the Company.

1.4. A person who has a secondary vocational education and special training in accordance with an established program without presenting requirements for work experience is appointed to the position of an insurance agent.

1.5. The insurance agent must know:

regulatory legal acts, regulations, instructions, other guidance materials and documents regulating the activities of insurance bodies;
types of insurance services and conditions of various types of insurance;
legal basis for the development of insurance activities, taking into account regional specific conditions;
the current system of social guarantees;
methods for determining the degree of risk when concluding contracts for insurance services and assessing the damage caused;
fundamentals of a market economy;
fundamentals of psychology and organization of labor;
the procedure for concluding and executing contracts for insurance services;
domestic and foreign experience in organizing insurance of the population and business entities;
fundamentals of labor legislation;
labor protection rules and regulations.

1.6. The supply agent is responsible for:

effective performance of the work entrusted to him;
compliance with the requirements of performance, labor and technological discipline;
the safety of documents (information) in his custody (become known to him) containing (constituting) the commercial secret of the Company.

1.7. The supply agent in his activities is guided by:

local acts and organizational and administrative documents of the Company;
internal labor regulations;
rules of labor protection and safety, ensuring industrial sanitation and fire protection;
instructions, orders, decisions and instructions of the immediate supervisor;
this job description.

1.8. During the period of temporary absence of an insurance agent, his duties are assigned to [name of the position of the deputy].

2. Job responsibilities

An insurance agent performs the following labor functions:

2.1. Carries out operations on the conclusion of contracts of property and personal insurance.

2.2. Studying regional conditions and demand for certain insurance services.

2.3. Analyzes the composition of the regional contingent of potential customers, serves individuals and legal entities representing institutions, organizations and enterprises of various forms of ownership.

2.4. Conducts reasoned conversations with potential and regular customers in order to interest them in concluding or renewing insurance contracts (life and health, movable and immovable property, entrepreneurial and commercial activities).

2.5. In the process of working with clients, he monitors, evaluates the characteristics of perception, memory, attention, motivation of behavior and ensures mutual understanding when concluding contracts for insurance services.

2.6. Establishes the criteria and degree of risk when concluding contracts for insurance services, taking into account the state of health, age, gender, education, work experience, level of material support and other subjective qualities that characterize the client.

2.7. Concludes and draws up insurance contracts, regulates relations between the insured and the insurer, ensures their implementation, accepts insurance premiums.

2.8. Ensures the correctness of the calculation of insurance premiums, registration of insurance documents and their safety.

2.9. It contributes to the formation of interest and demand for the insurance services provided, taking into account the need to strengthen the material and moral support of various segments of the population, as well as the increase in the risk associated with competition, bankruptcy, unemployment and other socio-economic processes taking place in modern conditions.

2.10. Provides assistance to clients in obtaining comprehensive information about the conditions of insurance.

2.11. Carries out work to identify and record potential insurers and insurance objects, evaluates the cost of insurance objects.

2.12. During the period of validity of the concluded contracts, it maintains contact with individuals and legal entities that have entered into contractual relations for insurance services.

2.13. In the event of damage to the insured, it evaluates and determines its amount, taking into account the criteria and degree of risk.

2.14. Considers complaints and claims from clients on controversial issues of calculation and payment of insurance premiums, payment of insurance compensation in the event of an insured event in accordance with the terms of the contract.

2.15. Determines the causes of violations of insurance contracts and takes measures to prevent and eliminate them.

2.16. Explores undeveloped types of insurance services and prospects for their development in order to apply in their practice and in the creation of insurance bodies and services.

2.17. Timely and in accordance with the established requirements draw up the necessary documentation, keep records and ensure the storage of documents related to the conclusion of insurance contracts.

2.18. Liaising with other insurance agents.

In case of official necessity, an insurance agent may be involved in the performance of his official duties overtime, in the manner prescribed by the provisions of federal labor legislation.

3. Rights

The insurance agent has the right:

3.1. Request and receive the necessary materials and documents related to the activities of the insurance agent.

3.2. Enter into relationships with departments of third-party institutions and organizations to resolve operational issues of production activities that fall within the competence of the insurance agent.

3.3. Represent the interests of the Company in third-party organizations on issues related to his professional activities.

4. Responsibility and performance evaluation

4.1. An insurance agent bears administrative, disciplinary and material (and in some cases provided for by the legislation of the Russian Federation, also criminal) responsibility for:

4.1.1. Non-fulfillment or improper fulfillment of official instructions of the immediate supervisor.

4.1.2. Failure to perform or improper performance of their labor functions and assigned tasks.

4.1.3. Unlawful use of the granted official powers, as well as their use for personal purposes.

4.1.4. Inaccurate information about the status of the work entrusted to him.

4.1.5. Failure to take measures to suppress the identified violations of safety regulations, fire and other rules that pose a threat to the activities of the enterprise and its employees.

4.1.6. Failure to enforce labor discipline.

4.2. Evaluation of the work of an insurance agent is carried out:

4.2.1. The immediate supervisor - regularly, in the course of the daily implementation of the employee's labor functions.

4.2.2. The attestation commission of the enterprise - periodically, but at least once every two years, based on the documented results of work for the evaluation period.

4.3. The main criterion for evaluating the work of an insurance agent is the quality, completeness and timeliness of his performance of the tasks provided for by this instruction.

5. Working conditions

5.1. The working hours of an insurance agent are determined in accordance with the internal labor regulations established by the Company.

5.2. In connection with the production need, the insurance agent is obliged to go on business trips (including local ones).

6. Right to sign

6.1. To ensure its activities, an insurance agent is granted the right to sign organizational and administrative documents on issues referred to its competence by this job description.

Acquainted with the instruction ___________ / ____________ / “____” _______ 20__