First, focus on the goal, implement the plan and pay close attention to business work.
1, the plan was implemented early and the measures were practical.
At the beginning of 2004, the manager's office of our company made a comprehensive analysis of the changes in the insurance market in xx area and the premium income in 2003, and decomposed the indicators issued by the superior company into monthly plans, which were counted and implemented every month, effectively ensuring the timely monitoring and adjustment of the plan implementation.
When formulating the annual task, we should fully consider the optimization of insurance structure and the quality of business underwriting, further clarify the assessment methods, and take the comprehensive payout ratio as the important data for the year-end assessment.
2. Seize the auto insurance market, increase the expansion of new projects and projects, and resolutely abandon the "garbage premium".
This year, we take stabilizing auto insurance and corporate property insurance, expanding the new car market and new projects as the top priority. On the basis of grasping the number of businesses, we resolutely abandoned the "junk" businesses that have repeatedly lost money.
First, in order to ensure the timely payment of the renewal business, we require all business departments to report the renewal business ledger on a monthly basis, and the manager's office will supervise and evaluate it, and ask to intervene in public relations in advance. Once there is any omission, it will be announced in the whole company immediately, and other personnel can participate in the competition, thus consolidating the original business, greatly reducing business losses and ensuring the market share of major insurance products. The second is to establish a contact network with relevant departments of the local government, learn about new projects and new projects in advance, establish friendly and cooperative relations with traffic police departments and car dealers, and ask them to help us collect and provide new car information and understand potential new business.
The new market has a clear thinking, fully grasps the initiative of the market, and fills the unstable factors of business caused by objective reasons such as competition. Third, don't stop trading at a loss. We not only defined the business ledger in 2003, but also asked the business backstage to list the lost business in the exhibition process in 2003 in detail and decompose it into relevant departments, and asked to strengthen public relations and find out the reasons for the loss of warranty. If it is indeed an enterprise that stops production and resells scrapped vehicles, the agent will provide exact proof; If you lose the game, you will never quit passively, but take the initiative to attack, listen to opinions and suggestions, improve service means, break through one by one, and strive for comprehensive returns. The fourth is to grasp the size together, and protect it if you can. Because enterprise restructuring, production conversion, capital and other factors have a great impact on enterprise property insurance, coupled with competition and other factors, the difficulty and cost of exhibition industry have greatly increased. In view of these situations, we fully mobilize, unify our thinking, form a joint force from top to bottom, and face difficulties. Do the responsibility to the people, for the premium of more than 50 thousand yuan to implement the intervention of the manager in charge, * * * with public relations.
3. Survive in competition and develop in competition.
There are 10 insurance companies, marketing departments and agencies (China Property Insurance, China Life Insurance, Pacific Property Insurance, China Property Insurance, Ping An Property Insurance, Ping An Life Insurance Company of China, Tianan Property Insurance, Winbond Agent and HSBC Agent) in xx area, and 1 company (Dida Property Insurance) has been found to be competing for business in our county. Facing the operating pressure brought by external competition, our company keeps calm, objectively faces the reality and seeks countermeasures, and launches brand wars and service wars with competitors: First, do a good job in the main leadership of local governments. The company manager's office has reported to the main leaders of the county party committee and government for many times, focusing on how our company can increase its support for local economic construction in xx and how to carry out its work around the local government center. Our company actively participated in the national entrepreneurship research activities and visited individual and private economic enterprises together with county leaders, which not only made the county party committee and county government satisfied with our company's enthusiastic participation in local government work, but also affirmed our company's correct adjustment of business development direction, providing insurance protection for small and medium-sized enterprises and actively serving them. Really let the county government feel that PICC P&C Company is sincerely serving the local government and is worthy of support, trust and help, thus giving great inclination to our work. The second is to go deep into old customers.
Industry, hire information officers and liaison officers in customer enterprises, grab top-level business from other insurance companies to join our company, and strive for "return" business, so that the work of other insurance companies is in a passive state. Third, the service is more humane and intimate. At the beginning of the year, members of the company's manager's office paid a lump sum visit to all the major system backbone enterprises in the county and asked them to put forward their opinions and suggestions on our work. This move has been fully affirmed by enterprises. They believe that the initiative of company leaders to come to the door is the full embodiment of PICC P&C insurance quality service, which makes customers trust our company more. Fourth, all middle-level cadres are required to go out of the office, all small and medium-sized enterprises must visit in person, all newly insured customers must explain the terms and promise the service items in person, keep in constant contact with enterprises, implement zero-distance contact, and provide services in all aspects as long as customers need them. Fifth, in accordance with the commitment to social services and industry bans, strict internal control, taking claims and underwriting as the starting point, and comprehensively improving the overall service level of the company.
4. Take diversification as a breakthrough to increase market share.
According to the current situation of xx's source protection, after careful analysis and research at the beginning of the year, the manager's office decided to take motorcycle insurance, family property insurance, student accident insurance and personal accident insurance as sporadic insurance surprise inspections this year. First, contact the traffic police and urban management law enforcement departments and ask them to help us handle motorcycle insurance business. At the same time, we got in touch with the county education commission, and the team members coordinated with the deputy magistrate in charge of education and the director of the education commission many times, and finally gained their trust, which made a breakthrough in our school insurance business.
5. Carry out labor competition to promote the healthy development of the cause of "two insurances".
Since the beginning of this year, according to the competition requirements of the superior company, we have actively cooperated with the labor competition activities such as "Happy New Year Insurance", "Happy Family" and "Happy Family" in the first quarter, and organized surprise activities such as motorcycle, liability insurance and accident insurance by ourselves, creating a healthy and lively business development atmosphere in which you chase after each other and forge ahead in unity. Especially in the "Happy Family" assault launched at the end of the year, our company withstood the unfavorable factors of the decline of family property insurance and the lack of insurance resources at the end of the year, rationally decomposed the goals, implemented them layer by layer, put pressure on ourselves, ran enterprises and institutions, and ran individual families one at a time, and finally achieved a good result of 140%.
The performance exceeded the tasks assigned by the municipal company.
6 pay close attention to the quality of claims and disaster prevention and loss prevention. Starting from paying close attention to the investigation rate of the first scene, the company adheres to the principle of seeking truth from facts and "being prompt, timely, accurate and reasonable". As long as you receive the report, no matter the size of the accident, no matter day or night, always insist on rushing to the first site, master the first-hand information, and strictly follow the fast payment process to provide customers with the convenience they can. First, insist on double-person survey, double-person loss assessment, cross-case, and limited payment to continuously improve service quality; Second, adhere to the 24-hour duty system, actively participate in the construction of "three centers", and further improve the service level; The third is to strengthen assessment and strengthen supervision. Once all kinds of problems in the process of claim settlement are verified, those who are light will criticize and educate, and those who are heavy will be dealt with seriously and will not be tolerated; Fourth, actively do a good job in disaster prevention and loss prevention. Under the responsibility of the leaders in charge, the Security Department actively contacted various business departments, and timely drafted the work plan for disaster prevention and loss prevention for major customers, the safety inspection methods for flood control in summer and fire and explosion prevention in winter, always grasping and intervening in advance, actively checking the implementation of the plan with relevant business departments, and taking timely measures for possible problems to reduce losses and enhance the ability to prevent risks. We went to xx Paper, xx Pharmaceutical, xx Company and other key customer units with potential safety hazards to help rectify potential safety hazards and formulate disaster prevention plans, which won unanimous praise from customers and received good social effects.
Second, adjust business ideas, strengthen innovation awareness and improve the efficiency of the company.
This year, while doing a good job in interest-oriented insurance business, our company has carefully sorted out the "junk" business, resolutely abandoned the inferior insurance products in payout ratio that were higher than 100% in previous years, and selectively underwritten the insurance products with high profit margin in payout ratio. Last year, the agricultural insurance and aquaculture insurance of our company reached as high as 106% in payout ratio. Starting from the overall situation, our company resolutely suspends the development of this type of insurance. The enterprise package insurance has some operational risks, such as low premium, wide coverage and high insurance coverage, especially in the case of flood and theft, which often leads to high payout ratio. Proceeding from the interests, our company has strictly restricted the coverage and conditions of this type of insurance. While paying attention to the development of the interests of various types of insurance, it changed the previous business routine, xxx factory car.
The insurance business belongs to our renewal business, and the renewal time is September. However, this year, many insurance companies are eyeing this business, intervening in the competition and trying to share the pie. In order to ensure foolproof, our company decisively renewed the insurance in advance, which made other insurance companies unprepared and stabilized the business development. The insurance business of xx Paper Co., Ltd. has been in our company, and the renewal was on June 5438+065438+ 10. The manager's office of the company knows that once the insurance is renewed in advance, it will not only lose tens of thousands of yuan of premiums in that year, but also increase the operating pressure in the second half of the year. However, in order to make up for the business gap caused by abandoning the "junk" insurance in the first half of the year, we decided to renew the insurance in advance, better adjust the chronological business structure and realize more net premium income. Our work is a bold attempt to adapt to the development of the new management situation after the shareholding system reform, and it is also a tentative idea to change our thinking.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.