Conditions and procedures for insurance adjustment and adjustment companies - Insurance adjustment and adjustment agency procedures - Insurance adjustment and adjustment transfer

summary:Application materials for the establishment process of an insurance adjustment company: (1) Application materials required by insurance adjustment agencies (non-group): 1.All shareholders, "Application Form for the Establishment of an Insurance Adjustment Agency" signed by the sponsor or partner,Insurance adjuster and adjuster refers to an insurance adjuster company established in accordance with legal provisions.,2.Insurance Adjustment and Adjustment Service Group (Holding) Company is accepted by the China Insurance Regulatory Commission,and Articles of Association, business management system, capital management system,including organizational structure, business management system, financial system

keywords:insurance adjuster insurance adjuster

What is an insurance adjuster? The insurance adjuster is a third-party organization, Receive an entrustment from the insurance company or the insured, Conduct on-site inspections of claims cases, identification, Adjustment and other work, Give your own compensation plan. Insurance adjusters can ease conflicts between insurance companies and insureds regarding claims settlement.. How to apply for insurance or own an insurance adjusting company?

Conditions and procedures for insurance adjustment and adjustment companies - Insurance adjustment and adjustment agency procedures - Insurance adjustment and adjustment transfer

Policy outline guidance for the liberalization of insurance financial licenses such as registration application for insurance adjuster companies:

The China Insurance Regulatory Commission issued the "Opinions on Deepening the Reform of the Insurance Intermediary Market" on September 23, 2015., Encourage insurance intermediaries to change and innovate, Improve service capabilities. “Promote the orderly flow of market factors”, that is, Support professional insurance intermediary structures to raise funds and trade equity through the capital market. Zhao Wei, director of the Insurance Intermediaries Department of the China Insurance Regulatory Commission, further stated, Encourage qualified insurance intermediaries to list on the main board, Listed on New Third Board, and allow professional intermediaries to explore employee stock ownership plans.

General business scope after the establishment of an insurance adjustment company: Within the scope permitted by the China Insurance Regulatory Commission, Provide customers with insurance subject surveys, identification, test, Assessment and compensation settlement and other services, By charging the corresponding public estimate service fees, After deducting the necessary costs for providing the services, Obtain corresponding profits.

at present, The concentration of my country’s insurance adjustment and adjustment market has increased, But the polarization is obvious. The proportion of operating income of the top four and top eight insurance adjusting agencies to the total operating income of insurance adjusting agencies is used as a measure of industry concentration., 2011Year, insurance adjuster CR(4)Increased from 34.13% to 43.95% in 2012, insurance adjuster CR(8)Increased from 46.17% in 2011 to 53.49% in 2012. At the same time, according to data from 2012, 2012Year, A total of 81 insurance adjusters have no business, Institutions account for 25%.

insurance adjuster

An insurance adjuster is one established in accordance with legal provisions, covered by insurance company, The policyholder or the insured entrusts the investigation of the insurance subject matter, identification, Loss assessment and compensation adjustment, A company that collects remuneration from its principal. The main function of the public adjuster is to comply with the entrustment requirements of the client, Inspect the insurance subject matter, Appraisal and adjustment, and issue an insurance adjustment report, Its status is transcendent, Does not represent the interests of any party, Make insurance payouts fairer, Reasonable, Conducive to mediating conflicts between insurance parties regarding insurance claims.

Approval of registration application for establishment of insurance adjuster company

Accepting authority:

1.Insurance adjustment agencies (non-group) shall be accepted by the local Insurance Regulatory Bureau.;

2.Insurance Adjustment and Adjustment Service Group (Holding) Company is accepted by the China Insurance Regulatory Commission.

Insurance adjuster company registration application process, Procedures for establishing an insurance adjustment company

Application materials:

(1) Application materials required by insurance adjustment agencies (non-group):

1.All shareholders, "Application Form for the Establishment of an Insurance Adjustment Agency" signed by the sponsor or partner;

2."Power of Attorney for Application for Establishment of Insurance Adjustment Agency";

3.Articles of Association or Partnership Agreement;

4.natural person shareholder, Copy of identity certificate of the sponsor or partner and "Resume Form of Natural Person Shareholder of Insurance Adjustment Agency", Non-natural person shareholders, A copy of the sponsor’s business license and the financial statements of the last 1 year stamped with the financial seal; Commitment letter stating that there will be no major illegal activities in the past three years; An explanation of the sources of investment funds and a statement that the sources of investment funds comply with China’s anti-money laundering laws and regulations; Statement that the investor has not been subject to major anti-money laundering administrative penalties in the past three years;

5.Capital verification certificate issued by a legally established capital verification agency, Copy of original voucher for capital entry;

6.feasibility report, Includes market situation analysis, financial analysis, Business development plan, etc.;

7.Copy of enterprise business license;

8.internal management system, including organizational structure, business management system, financial system, Information management system, Anti-money laundering internal control system and business service standards, etc.;

9.Application materials and relevant certification materials for the qualifications of proposed senior managers, Copy of "Qualification Certificate" of business personnel;

10.business, Description of financial and other computer software and hardware equipment, etc.;

11.Other materials required by the China Insurance Regulatory Commission.

(The above materials should be submitted in duplicate)

(2) Application materials required by the Insurance Adjustment and Adjustment Service Group (Holding) Company:

1."Power of Attorney for Application for Establishment of Insurance Intermediary Service Group Company";

2.Application for establishment or name change, It should state the name of the company to be established or renamed., Registered capital, Business scope, etc.;

3.The name of the insurance intermediary service group to be established, Articles of Association of Member Companies and Enterprise Groups;

4.Feasibility report and internal management system, Including establishment method or name change plan, Corporate Governance and Organizational Framework, development strategy, internal control system, and Articles of Association, business management system, capital management system, risk management system, Related party transaction management system, etc.;

5.Preparing for establishment or renaming plan, including operating procedures, Equity integration plan for each company within the group, Equity structure, Subsidiary name and business category, Employees and debt disposal plans, etc.;

6.Founding meeting resolution, or shareholders meeting, Resolution of the general meeting of shareholders on the establishment or name change of a group company;

7."Investor Basic Information Registration Form", Share subscription agreement, etc., Investors are institutional, A business license should also be provided, Other background information and a copy of the audited financial accounting report stamped with the official seal;

8.A copy of the audited financial accounting report of the important member companies of the group for the previous year with the official seal;

9.Capital verification certificate or audit report (original) issued by a legally established capital verification agency, Copy of original voucher for capital entry;

10."Application Form for Qualifications for Senior Managers of Insurance Intermediary Services Group Company", Proposed Chairman (Executive Director), Resumes and relevant certification materials of senior managers;

11.Documents proving ownership or right to use the business premises;

12.Company name pre-approval notice;

13.Other materials required by the China Insurance Regulatory Commission.

(The above materials should be submitted in duplicate)

After the insurance adjuster company registration application is successfully processed, the role of the insurance adjuster is mainly reflected in the following aspects::

1, Insurance claims settlement is an important part of insurance operations. In the early stages of the development of the insurance industry, Inspection of insurance subject matter, Loss assessment and other tasks are often performed by the insurance company itself. As business develops, The limitations of this insurance company’s “all-inclusive” approach are increasingly exposed: The professional limitations of insurance company claims adjusters make it increasingly difficult to adapt to complex situations. Insurance companies consider operating costs, It is impossible to equip many, A full range of professional and technical personnel. Insurance adjusters can assist insurance companies with some professional issues in the field of claims settlement., More technical ones such as economics, finance, Insurance, Accounting, Issues in the fields of law and engineering technology, Thereby promoting the smooth progress of insurance operations in the field of claims settlement.

2, Insurance companies are both underwriters and claims adjusters, Directly responsible for the inspection and damage assessment of the insured subject matter, The conclusion reached is difficult to convince the insured. The first principle of an insurance contract is the principle of utmost good faith, Due to the information asymmetry between the parties entering into the insurance contract, During the underwriting and claims stages, and in hazard prevention and control, There is a possibility of violating this principle. and aloof status, Specializing in insurance subject survey, identification, The insurance adjuster who assesses the loss acts as an intermediary, Often appears as a "referee", Independent from the insurance parties, In the process of engaging in insurance adjustment business, we always adhere to the principle of "independence"., "Justice" principle, There is an equidistant relationship between the insurer and the insured, Unlike the insurer or the insured who is easily driven by subjective interests, Can make insurance compensation more fair and reasonable, It can effectively alleviate the conflicts between the insurer and the insured in the field of claims settlement.. “Litigation is not as good as arbitration, Arbitration is not as good as mediation, And mediation is not as good as preventing legal disputes in advance, It's almost self-evident. ”

3, The insurance adjuster independently undertakes the work in the field of insurance claims on behalf of the insurance company., Thus realizing the professional division of labor in insurance claims settlement. On the one hand, this division of labor is conducive to the continuous upgrading of insurance claims technology and horizontal exchanges., And can promote the improvement of the overall professional level of the insurance adjustment industry, thereby promoting the development of the entire insurance industry; on the other hand, Due to scale effects and reduction of adverse selection and moral hazard, It will inevitably greatly reduce insurance claims expenses and thus reduce insurance costs., thereby ultimately improving the welfare of society as a whole.