Rosgosstrakh typical job description. Job description of an insurance agent and its essence
APPROVED
General manager
Surname I.O.________________
"________"_____________ ____ G.
1. General Provisions
1.1. The insurance agent belongs to the category of technical executors.
1.2. An insurance agent is appointed and dismissed 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 person appointed in accordance with the established procedure.
1.5. A person who has secondary vocational education and special training according to the established program is appointed to the position of an insurance agent without presenting requirements for work experience.
1.6. The insurance agent should know:
- regulatory legal acts, regulations, instructions, other guidance materials and documents regulating the activities of insurance authorities;
- 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;
- the basics of psychology and work organization;
- the procedure for the conclusion and execution of contracts for insurance services;
- domestic and foreign experience in organizing insurance of the population and business entities;
- fundamentals of labor legislation;
- rules and norms of labor protection.
1.7. An insurance agent is guided in its activities by:
- legislative acts of the Russian Federation;
- Company Charter, Internal Labor Regulations, other company regulations;
- orders and orders of the management;
- this job description.
2. Job responsibilities of an insurance agent
An insurance agent performs the following job duties:
2.1. Carries out operations to conclude property and personal insurance contracts.
2.2. Examines regional conditions and demand for certain insurance services.
2.3. Analyzes the composition of the regional contingent of potential clients, provides services to 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 extending 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 the relationship between the policyholder and the insurer, ensures their implementation, and accepts insurance premiums.
2.7. Ensures the correctness of calculation of insurance premiums, registration of insurance documents and their safety.
2.8. It contributes to the formation of interest and demand for the provided insurance services, taking into account the need to strengthen material and moral support of various segments of the population, as well as an 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 insurance conditions.
2.10. Carries out work to identify and record potential policyholders and insurance objects, assesses the value of insurance objects.
2.11. During the period of validity of the concluded contracts, he maintains contact with individuals and legal entities who entered into a contractual relationship for insurance services.
2.12. In the event of damage to the insured, it evaluates and determines its size, taking into account the criteria and degree of risk.
2.13. Considers complaints and claims received from clients on controversial issues of calculating and paying insurance premiums, paying insurance compensation upon the occurrence of an insured event in accordance with the terms of the contract.
2.14. Establishes the causes of violations of insurance contracts and takes measures to prevent and eliminate them.
2.15. Explores the untapped types of insurance services and the prospects for their development in order to apply them 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, and related to the conclusion of insurance contracts.
2.17. Interacts with other insurance agents.
3. Rights of an insurance agent
An insurance agent has the right to:
3.1. To get acquainted with the projects of decisions of the management of the enterprise concerning its activities.
3.2. Request, personally or on behalf of a direct supervisor, from the heads of the enterprise departments and specialists, information and documents necessary for the performance of his official duties.
3.3. Submit proposals for improving the work related to the responsibilities provided for in this instruction for the management's consideration.
3.4. Within the limits of their competence, inform their immediate supervisor about all deficiencies identified in the course of their activities and make proposals for their elimination.
3.5. Require the management of the enterprise to assist in the performance of its official duties and rights.
4. Liability of an insurance agent
The insurance agent is responsible for:
4.1. Improper performance or non-performance of their duties as 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. Infliction of material damage - within the limits determined by the current labor and civil legislation of the Russian Federation.
Insurance agent- a specialist who is looking for clients and concluding insurance contracts with them. Working as an insurance agent requires not only knowledge in the field of insurance, but also the psychology of people. We have provided all this in the appropriate section. job description of an insurance agent.
Job description of an insurance agent
APPROVED
General manager
Surname I.O.________________
"________"_____________ ____ G.
1. General Provisions
1.1. The insurance agent belongs to the category of technical executors.
1.2. An insurance agent is appointed and dismissed 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 person appointed in accordance with the established procedure.
1.5. A person who has secondary vocational education and special training according to the established program is appointed to the position of an insurance agent without presenting requirements for work experience.
1.6. The insurance agent should know:
- regulatory legal acts, regulations, instructions, other guidance materials and documents regulating the activities of insurance authorities;
- 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;
- the basics of psychology and work organization;
- the procedure for the conclusion and execution of contracts for insurance services;
- domestic and foreign experience in organizing insurance of the population and business entities;
- fundamentals of labor legislation;
- rules and norms of labor protection.
1.7. An insurance agent is guided in its activities by:
- legislative acts of the Russian Federation;
- Company Charter, Internal Labor Regulations, other company regulations;
- orders and orders of the management;
- this job description.
2. Job responsibilities of an insurance agent
An insurance agent performs the following job duties:
2.1. Carries out operations to conclude property and personal insurance contracts.
2.2. Examines regional conditions and demand for certain insurance services.
2.3. Analyzes the composition of the regional contingent of potential clients, provides services to 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 extending 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 the relationship between the policyholder and the insurer, ensures their implementation, and accepts insurance premiums.
2.7. Ensures the correctness of calculation of insurance premiums, registration of insurance documents and their safety.
2.8. It contributes to the formation of interest and demand for the provided insurance services, taking into account the need to strengthen material and moral support of various segments of the population, as well as an 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 insurance conditions.
2.10. Carries out work to identify and record potential policyholders and insurance objects, assesses the value of insurance objects.
2.11. During the term of the concluded contracts, he maintains contact with individuals and legal entities who entered into a contractual relationship for insurance services.
2.12. In the event of damage to the insured, it evaluates and determines its size, taking into account the criteria and degree of risk.
2.13. Considers complaints and claims received from clients on controversial issues of calculating and paying insurance premiums, payments of insurance compensation upon the occurrence of an insured event in accordance with the terms of the contract.
2.14. Establishes the causes of violations of insurance contracts and takes measures to prevent and eliminate them.
2.15. Explores the untapped types of insurance services and the prospects for their development in order to apply them 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, and related to the conclusion of insurance contracts.
2.17. Interacts with other insurance agents.
3. Rights of an insurance agent
An insurance agent has the right to:
3.1. To get acquainted with the projects of decisions of the management of the enterprise concerning its activities.
3.2. Request, personally or on behalf of a direct supervisor, from the heads of the enterprise departments and specialists, information and documents necessary for the performance of his official duties.
3.3. Submit proposals for improving the work related to the responsibilities provided for in this instruction for the management's consideration.
3.4. Within the limits of their competence, inform their immediate supervisor about all deficiencies identified in the course of their activities and make proposals for their elimination.
3.5. Require the management of the enterprise to assist in the performance of its official duties and rights.
4. Liability of an insurance agent
The insurance agent is responsible for:
4.1. Improper performance or non-performance of their duties as 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. Infliction of material damage - within the limits determined by the current labor and civil legislation of the Russian Federation.
I. General Provisions
1. An insurance agent belongs to the category of technical executors.
2. A person who has a secondary vocational education and special training according to the established program is appointed to the position of an insurance agent without presenting requirements for work experience.
3. Appointment to the position of an insurance agent and release from it is made by order of the director of the enterprise.
4. The insurance agent must know:
4.1. Normative legal acts, regulations, instructions, other guidance materials and documents regulating the activities of insurance authorities.
4.2. Types of insurance services and conditions of various types of insurance.
4.3. Legal basis for the development of insurance activities, taking into account regional specific conditions.
4.4. The current system of social guarantees.
4.5. Methods for determining the degree of risk when concluding contracts for insurance services and assessing the damage caused.
4.6. Fundamentals of a market economy.
4.7. Fundamentals of Psychology and Labor Organization.
4.8. The procedure for the conclusion and execution of contracts for insurance services.
4.9. Domestic and foreign experience in organizing insurance of the population and business entities.
4.10. Fundamentals of Labor Law.
4.11. Labor protection rules and regulations.
5. The insurance agent reports directly |
6. During the absence of the insurance agent (vacation, illness, etc.), his duties are performed by a person appointed in accordance with the established procedure. This person acquires the corresponding rights and is responsible for their proper execution.
II. Job responsibilities
Insurance agent:
1. Carries out operations for the conclusion of contracts of property and personal insurance.
2. Examines regional conditions and demand for certain insurance services.
3. Analyzes the composition of the regional contingent of potential clients, serves individuals representing institutions, organizations and enterprises of various forms of ownership.
4. Conducts reasoned conversations with potential and regular customers in order to interest them in concluding or extending 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.
5. Establishes the criteria and the degree of risk when concluding contracts for insurance services, taking into account the state of health, age, sex, education, work experience, level of material support and other subjective qualities that characterize the client.
6. Concludes and draws up insurance contracts, regulates relations between the policyholder and the insurer, ensures their implementation, and accepts insurance premiums.
7. Ensures the correctness of calculation of insurance premiums, registration of insurance documents and their safety.
8. Promotes the formation of interest and demand for the provided insurance services, taking into account the need to strengthen material and moral support of various segments of the population, as well as the growing risk associated with competition, bankruptcy, unemployment and other socio-economic processes taking place in modern conditions.
9. Assists clients in obtaining comprehensive information about insurance conditions.
10. Carries out work to identify and record potential policyholders and insurance objects, assesses the value of insurance objects.
11. During the term of the concluded contracts, maintains contact with individuals and legal entities that entered into contractual relations for insurance services.
12. In the event of damage to the insured, it evaluates and determines its size, taking into account the criteria and degree of risk.
13. Considers complaints and claims received from clients on controversial issues of calculating and paying insurance premiums, payments of insurance compensation upon the occurrence of an insured event in accordance with the terms of the contract.
14. Establishes the causes of violations of insurance contracts and takes measures to prevent and eliminate them.
15. Explores the untapped types of insurance services and the prospects for their development in order to apply in their practice and when creating insurance bodies and services.
16. Timely and in accordance with the established requirements draws up the necessary documentation, keeps records and ensures the storage of documents, and related to the conclusion of insurance contracts.
17. Interacts with other insurance agents.
III. Rights
An insurance agent has the right to:
1. To get acquainted with the draft decisions of the management of the enterprise concerning its activities.
2. Request information and documents necessary for the performance of his official duties from the heads of the enterprise departments and specialists personally or on behalf of the immediate supervisor.
3. Submit proposals for improving the work related to the responsibilities provided for in this instruction for consideration by the management.
4. Within the limits of their competence, inform their immediate supervisor about all deficiencies identified in the course of their activities and make proposals for their elimination.
I 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 responsibilities, rights and responsibilities of the insurance agent [Name of the organization in the genitive case] (hereinafter - 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 the [name of the position of the immediate manager in the dative] of the Company.
1.4. A person who has secondary vocational education and special training according to the established program is appointed to the position of an insurance agent without presenting requirements for work experience.
1.5. An insurance agent should know:
- normative legal acts, regulations, instructions, other guidance materials and documents regulating the activities of insurance authorities;
- types of insurance services and conditions of various types of insurance;
- legal framework 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 labor organization;
- the procedure for the conclusion and execution of contracts for insurance services;
- domestic and foreign experience in organizing insurance of the population and business entities;
- fundamentals of labor legislation;
- rules and norms of labor protection.
1.6. The procurement agent is responsible for:
- effective execution of the work entrusted to him;
- compliance with the requirements of performing, labor and technological discipline;
- the safety of the documents (information) that are in his custody (which have become known to him) containing (constituting) the commercial secret of the Company.
1.7. The procurement agent in his activities is guided by:
- local acts and organizational and administrative documents of the Company;
- internal labor regulations;
- occupational health and safety regulations, industrial sanitation and fire protection;
- instructions, orders, decisions and instructions of the immediate supervisor;
- this job description.
1.8. During the temporary absence of the insurance agent, his duties are assigned to the [name of the position of the deputy].
2. Job responsibilities
An insurance agent performs the following labor functions:
2.1. Carries out operations to conclude property and personal insurance contracts.
2.2. Examines regional conditions and demand for certain insurance services.
2.3. Analyzes the composition of the regional contingent of potential clients, provides services to 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 extending insurance contracts (life and health, movable and immovable property, business 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 the relationship between the policyholder and the insurer, ensures their implementation, and accepts insurance premiums.
2.8. Ensures the correctness of 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 material and moral support for various segments of the population, as well as the growing 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 insurance conditions.
2.11. Carries out work to identify and record potential policyholders and insurance objects, assesses the value of insurance objects.
2.12. During the term of the concluded contracts, he maintains contact with individuals and legal entities who entered into a contractual relationship for insurance services.
2.13. In the event of damage to the insured, it evaluates and determines its size, taking into account the criteria and degree of risk.
2.14. Considers complaints and claims received from clients on controversial issues of calculating and paying insurance premiums, payments of insurance compensation upon the occurrence of an insured event in accordance with the terms of the contract.
2.15. Establishes the causes of violations of insurance contracts and takes measures to prevent and eliminate them.
2.16. Explores untapped types of insurance services and the prospects for their development in order to apply them in their practice and when creating insurance bodies and services.
2.17. 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.
2.18. Interacts 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
An insurance agent has the right to:
3.1. Request and receive the necessary materials and documents related to the activities of the insurance agent.
3.2. Enter into relationships with subdivisions of third-party institutions and organizations to resolve operational issues of production activities that are within the competence of an 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. The insurance agent bears administrative, disciplinary and material (and in some cases stipulated by the legislation of the Russian Federation - and criminal) responsibility for:
4.1.1. Failure to comply or improper fulfillment of the official instructions of the immediate supervisor.
4.1.2. Failure to perform or improper performance of his labor functions and the tasks assigned to him.
4.1.3. Misuse 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 identified violations of safety regulations, fire safety 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. An assessment of the work of an insurance agent is carried out:
4.2.1. Immediate supervisor - regularly, in the process of the employee's daily performance of his 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 assessing the work of an insurance agent is the quality, completeness and timeliness of his performance of the tasks provided for in this instruction.
5. Working conditions
5.1. The working hours of the insurance agent are determined in accordance with the internal labor regulations established by the Company.
5.2. Due to production needs, the insurance agent is obliged to go on business trips (including local ones).
6. Authority to sign
6.1. The insurance agent, to ensure his activities, is granted the right to sign organizational and administrative documents on issues attributed to his competence by this job description.
Acquainted with the instructions ___________ / ____________ / “____” _______ 20__
Job description of an insurance agent
APPROVED
General manager
Surname I.O.________________
"________"_____________ ____ G.
1. General Provisions
1.1. The insurance agent belongs to the category of technical executors.
1.2. An insurance agent is appointed and dismissed 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 person appointed in accordance with the established procedure.
1.5. A person who has secondary vocational education and special training according to the established program is appointed to the position of an insurance agent without presenting requirements for work experience.
1.6. The insurance agent should know:
- regulatory legal acts, regulations, instructions, other guidance materials and documents regulating the activities of insurance authorities;
- 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;
- the basics of psychology and work organization;
- the procedure for the conclusion and execution of contracts for insurance services;
- domestic and foreign experience in organizing insurance of the population and business entities;
- fundamentals of labor legislation;
- rules and norms of labor protection.
1.7. An insurance agent is guided in its activities by:
- legislative acts of the Russian Federation;
- Company Charter, Internal Labor Regulations, other company regulations;
- orders and orders of the management;
- this job description.
2. Job responsibilities of an insurance agent
An insurance agent performs the following job duties:
2.1. Carries out operations to conclude property and personal insurance contracts.
2.2. Examines regional conditions and demand for certain insurance services.
2.3. Analyzes the composition of the regional contingent of potential clients, provides services to 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 extending 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 the relationship between the policyholder and the insurer, ensures their implementation, and accepts insurance premiums.
2.7. Ensures the correctness of calculation of insurance premiums, registration of insurance documents and their safety.
2.8. It contributes to the formation of interest and demand for the provided insurance services, taking into account the need to strengthen material and moral support of various segments of the population, as well as an 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 insurance conditions.
2.10. Carries out work to identify and record potential policyholders and insurance objects, assesses the value of insurance objects.
2.11. During the term of the concluded contracts, he maintains contact with individuals and legal entities who entered into a contractual relationship for insurance services.
2.12. In the event of damage to the insured, it evaluates and determines its size, taking into account the criteria and degree of risk.
2.13. Considers complaints and claims received from clients on controversial issues of calculating and paying insurance premiums, payments of insurance compensation upon the occurrence of an insured event in accordance with the terms of the contract.
2.14. Establishes the causes of violations of insurance contracts and takes measures to prevent and eliminate them.
2.15. Explores untapped types of insurance services and the prospects for their development in order to apply them in their practice and when creating 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, and related to the conclusion of insurance contracts.
2.17. Interacts with other insurance agents.
3. Rights of an insurance agent
An insurance agent has the right to:
3.1. To get acquainted with the projects of decisions of the management of the enterprise concerning its activities.
3.2. Request, personally or on behalf of a direct supervisor, from the heads of the enterprise departments and specialists, information and documents necessary for the performance of his official duties.
3.3. Submit proposals for improving the work related to the responsibilities provided for in this instruction for the management's consideration.
3.4. Within the limits of their competence, inform their immediate supervisor about all deficiencies identified in the course of their activities and make proposals for their elimination.
3.5. Require the management of the enterprise to assist in the performance of its official duties and rights.