Rating of the reliability of the insurance companies

Rating is the integrated assessment of the activity of company, which considers both the financial indices, and many of other factors, evaluated indirectly on the basis of the account of company and further news.

Task of new rating - to report to the users of insurance services objective information about the activity of insurance company before the intelligible, maximally compressed form. Rating will have to help people to be oriented on the insurance market, to be dismantled “who there is who” among the insurers.

Furthermore, the rating of reliability is of interest for the federal and municipal organs of authority, departments, industrial and financial organizations, which conduct tenders among the insurance companies down the insurance of the specific risks.

Rating agency “expert of the Ra” advances two types it is rating:

• complete;
• remote.

Complete rating is based beyond the information, given by the [reytinguemoy] company. For each insurance company, which wished to obtain rating, specialists “expert of the Ra” carry out tedious work, are investigated its financial flows, investment policy and market for [perestrakhovaniya], the results of activity before different classes of insurance.

The result of a similar work will be the complete rating report, which reflects all positive and negative factors, which influence the reliability of insurance company, and also the directly appropriated rating. Depending on the levels of solvency and financial stability of company can be appropriated the rating from
[A]++ - high level of solvency with the positive prospects
to D - unsatisfactory level of reliability (bankruptcy).

Remote rating is appropriated by rating agency on the leading operators of Russian insurance market, in the case of their failure to independently pass the procedure of complete [reytingovaniya]. In this case rating estimation is conducted exclusively on the basis of official moderately-priced information without the refinement of any indices in company herself. With the publication before the press of a similar rating is made the reference down the fact that this estimation is remote.

The appropriated rating acts for a period of annum. During this period the agency leaves above itself the right to before the appointed time abolish the advanced rating with the development of any factors, which essentially influence the obtained estimation.

The rating estimation of agency acknowledges after the professional association of registrars, transfer - agents and depositors. Is at present conducted the work, directed down to the acknowledgment of this rating by other professional associations, by associations and public organs.
This project the leading insurance companies approved.