In spite of the fact that insurance companies «VUSO» and «Kremen» are given by insurance services in all types of risk insurance a different client orientation does not do them competitors between itself. Determines the strategic plans of development of these insurers the proper prognosis structure of insurance portfolio of every company.

We expect that an insurance company «VUSO» will grow the volumes of the collected bonuses more than on 40% annually due to very dynamic development of retail insurance, in parts of autoinsurance, insurances of accidents and property. Thus the level of payments in this company is the highest in comparison to IC «Kremen» and IC «Spas», nevertheless, a value of index is not critical from point of profitableness of insurance activity. Due to that company is in that niche of insurance market, which begins swiftly to develop, indexes of profitability are at high level.

Growth of volumes of insurance bonuses in a prognosis period will be peculiar also to IC «Kremen». Strategic plan foresees, that a company will be concentrated on classic insurance. Insurance of large industrial objects supposes the considerable sizes of amounts covered, that entails the high stake of reinsurance. It is expected that the stake of reinsurance in gross insurance bonuses will go down and to 2011 will attain 78% in general premiums. The low level of insurance claims paid, conditioned by the specific of insurance of large companies, will affect high level of profitableness of activity of IC «Kremen».

The mortgage of successful development of insurance company «Spas» is a presence of such effective channel of realization of products on life-insurance as a client base of insurance companies «VUSO» and «Kremen». Due to a close collaboration with the risk insurers of IC «Spas» will be able to increase annually the size of insurance portfolio

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