According to forecasts, Expert RA, the volume of the Russian insurance market in 2009 will amount to 520 billion rubles. The largest contribution to the fall of the insurance market will bring: insurance hull (-44 billion), property insurance of legal entities from fire and other risks (-12 billion), LCA (-7 billion) and insurance by the National Assembly and disease ( 6 billion rubles). The growth of premiums in 2009 is expected to insure SMR and financial risks associated with Olympic construction, as well as in those kinds of insurance where one party is the state (agricultural insurance, space insurance, liability insurance for government contracts). By 2010, the insurance market will be only 400-450 of insurance groups and companies said the deputy general director of rating agency "Expert RA" Paul Samiyev. - We forecast that in 2009, will a series of bankruptcies of Russian insurers. The main risks of insurance companies in 2009 will be underdeveloped insurance reserves (as a result of dumping, errors in actuarial estimates), the sharp rise OSAGO loss, impairment of assets taken to cover insurance reserves (equity instruments, deposits and cash in troubled banks, the growth delay receivables). According to rating agency "Expert RA", currently at risk are the company: to actively increase its insurance portfolio due to dumping, specializing in auto insurance, oriented in its activities to the bank sales channel; actively invested reserves in the stock market instruments, concentrating their in one or more banks (except the backbone). First Loss: In the 3 rd quarter of 2008, total losses of Russian insurers collected in the first 9 months of 2008 55% of market fees amounted to minus 3.375 billion. Total wage arrears at the end of the third quarter of 2008 increased compared to the beginning of the year by an average of 323.7% and amounted to 1.232 billion rubles. Averaged return on assets of insurance companies in the first 9 months of 2008 was equal to 2.54% (4,0% in 2007). Positive return on assets were obtained from profits earned as far back as the first half. The averaged rate of return on assets of insurance companies for the third quarter of 2008 was -0.01%. Large universal insurers at the federal level were still more susceptible to the action of the crisis, the study said the agency, return on investment for the third quarter of 2008, the big insurance companies on average was equal to -1.25%, return on assets over the same period - - 0,38%. The dynamics of health insurance premiums (excluding OMC) in the Russian insurance market:
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