{"id":963,"date":"2017-10-10T23:47:42","date_gmt":"2017-10-10T23:47:42","guid":{"rendered":"http:\/\/leaderteam.ro\/en\/?p=963"},"modified":"2025-11-26T14:25:54","modified_gmt":"2025-11-26T12:25:54","slug":"razvan-rusu-leader-team-how-small-companies-become-insurance-companies-if-they-give-up-casco","status":"publish","type":"post","link":"https:\/\/leaderteam.ro\/en\/razvan-rusu-leader-team-how-small-companies-become-insurance-companies-if-they-give-up-casco\/","title":{"rendered":"Razvan Rusu, Leader Team: How small companies become insurance companies if they give up CASCO"},"content":{"rendered":"<h1><span data-sheets-root=\"1\">The Risk of Self-Insuring: Why Small Companies Need CASCO<\/span><\/h1>\n<p><span id=\"result_box\" class=\"\" lang=\"en\"><span title=\"In ultimul an am intalnit destul de des o situatie noua.\">In the last year, I have often encountered a new situation. <\/span><span title=\"Foarte multe companii cu parcuri auto serioase prefera sa nu mai incheie asigurari CASCO.\">Many companies with serious car parks prefer not to close CASCO insurance. <\/span><span title=\"Asta inseamna ca isi asuma riscul daunelor in loc sa plateasca o societate de asigurari. \">That means they take the risk of damages instead of paying an insurance company.<\/span><\/span><\/p>\n<p><span title=\"Pana la urma, motivul pentru care se intampla asta nu este greu de inteles.\">After all, the reason why this happens is not hard to understand. <\/span><span title=\"Orice companie bine condusa are un buget alocat pentru parcul auto.\">Every well-run company has a budget for the fleet. <\/span><span title=\"Din acest buget se platesc leasing-uri, daca este cazul, intretinerea masinilor, taxe de drum, impozite, RCA si CASCO.\">From this budget, leases are paid, if necessary, car maintenance, road taxes, taxes, RCA and CASCO. <\/span><span title=\"Doar ca pentru unul dintre acesti parametri, RCA-ul, costurile au crescut atat de mult incat ajung sa depaseasca bugetul.\">Just for one of these parameters, the RCA, the costs have soared to exceed the budget. <\/span><span title=\"Iar companiile au fost fortate sa gaseasca o solutie inedita pentru singurul cost care nu este obligatoriu, asigurarea CASCO.\">And companies have been forced to find a unique solution for the only cost that is not mandatory, the CASCO insurance. <\/span><span title=\"Asadar, prefera sa puna deoparte banii pe care ar fi trebuit sa ii plateasca pentru CASCO pentru intreaga flota si sa repare masinile pe cheltuiala lor in cazul unor daune.\">So, he likes to put aside the money he would have had to pay for CASCO for the entire fleet and repair the cars at their expense in case of damage. <\/span><span title=\"Practic in loc sa plateasca o societate de asigurari sa isi asume riscul, si-l asuma companiile sperand ca la final suma platita sa fie mai mica. \">Instead of paying an insurance company to take the risk, it assumes the companies hoping that at the end the amount paid will be lower.<\/span><\/p>\n<p><span title=\"Trebuie sa intelegem ca asigurarile, la baza, sunt 99% calculatie si 1% inspiratie.\">We have to understand that insurance at the base is 99% calculation and 1% inspiration. <\/span><span title=\"Este un calcul al probabilitatilor, extrem de complicat in unele cazuri, dar care pleaca de la un principiu simplu: ce sanse sunt ca evenimentul asigurat sa se produca?\">It is a calculus of probabilities, extremely complicated in some cases, but starting from a simple principle: what are the chances for the insured event to occur? <\/span><span title=\"Daca se produce, societatea de asigurari pierde bani, daca nu se produce, castiga bani.\">If it occurs, the insurance company loses money, if it does not, it earns money. <\/span><span title=\"Iar aici intervine acel 1% care tine de inspiratie, incheie polita si isi asuma riscul sau nu?\">And here comes the 1% who inspiration, end the policy and take the risk or not? <\/span><span title=\"Si clientii fac exact acelasi calcul, doar ca din sens invers. \">And customers do exactly the same calculation, just from the reverse.<\/span><\/p>\n<p><span title=\"Si iata cum companiile devin mici societati de asigurare pentru propriile parcuri auto.\">And here&#8217;s how companies become small insurance companies for their own car parks. <\/span><span title=\"Am stat de vorba cu manageri de top care au recurs la aceasta solutie incercand sa aflu datele si motivele din spate.\">I talked with top managers who resorted to this solution trying to find the data and motives behind. <\/span><span title=\"Au fost luate in calcul numarul si tipul daunelor din ultimii ani versus sumele platite pentru CASCO, la care se adauga un alt aspect: responsabilizarea angajatilor.\">The number and type of damage in recent years versus the amounts paid for CASCO have been taken into account, plus another aspect: empowering employees. <\/span><span title=\"Fara o asigurare CASCO in spate, managerii spera ca angajatii lor vor conduce mai atent, mai responsabil si numarul incidentelor va scadea.\">Without a CASCO insurance back, managers hope their employees will drive more carefully, more responsibly and the number of incidents will drop. <\/span><span title=\"In final, si aici intervine partea de inspiratie, au decis sa riste.\">Finally, here comes the inspiration, they decided to risk. <\/span><span title=\"Ce-i drept, in multe cazuri am inteles si ca aceasta era singura solutie. \">Well, in many cases I understand that this was the only solution.<\/span><\/p>\n<p><span title=\"Totusi, realitatea s-ar putea sa fie alta.\">However, reality may be different. <\/span><span title=\"Angajatii s-ar putea sa fie stresati, cu o productivitate mult mai scazuta, mai ales daca la un moment dat compania incepe sa ii penalizeze pentru daune incercand sa isi reduca si mai mult costurile.\">Employees may be stressed with a much lower productivity, especially if at some point the company starts to penalize them for damages trying to further reduce their costs. <\/span><span title=\"Ceea ce s-ar putea sa duca la o scadere semnificativa a cifrei de afaceri, dar asta vom vedem de-abia peste un an sau doi. \">Which could lead to a significant decrease in turnover, but we will only see this in a year or two.<\/span><\/p>\n<p><span title=\"Acum, intorcandu-ne la piata asigurarilor, din punctul meu de vedere acesta este un semnal de alarma, mai ales pentru ca nu este un caz izolat.\">Now, returning to the insurance market, it is, from my point of view, an alarm signal, especially because it is not an isolated case. <\/span><span title=\"Practic, cresterea pretului RCA aduce pierderi chiar societatilor de asigurari.\">Practically, raising the RCA price also causes losses to insurance companies. <\/span><span title=\"Toate companiile care au parcuri auto sunt dependente de masini, ceea ce inseamna ca trebuie sa achite asigurarea RCA.\">All companies that have car parks are machine-dependent, which means they have to pay RCA insurance. <\/span><span title=\"Daca acest cost a crescut peste cat poate afacerea sa suplineasca, el trebuie acoperit din alte locuri.\">If this cost has risen beyond what the business can supply, it should be covered elsewhere. <\/span><span title=\"Problema este ca riscam sa intram intr-un cerc vicios, pe masura ce creste costul asigurarilor obligatorii, va scadea numarul politelor facultative.\">The problem is that we risk entering a vicious circle, as the cost of compulsory insurance increases, will reduce the number of optional policies. <\/span><span title=\"Problema este ca dupa cum stim politele obligatorii sunt cel mai putin profitabile pentru toata industria asigurarilor. \">The problem is that as we know the mandatory policies are the least profitable for the whole insurance industry.<\/span><\/p>\n<p><span title=\"Fiecare client, companie sau persoana fizica are un buget pe care e dispus sa il dea pe asigurari, facultative sau obligatorii.\">Every client, company or individual has a budget he \/ she is willing to pay on insurance, optional or mandatory. <\/span><span title=\"Daca este depasit, inseamna ca banii vor fi luati din alta parte, iar politele facultative sunt printre primele vizate.\">If overtaken, it means that money will be taken from elsewhere, and voluntary policies are among the first to target. <\/span><span title=\"Sunt prea putine cazurile in care veniturile sunt atat de mari incat costurile cu asigurarile sunt irelevante si nu cred ca piata asigurarilor trebuie sa mizeze pe asta. \">There are too few cases where incomes are so high that insurance costs are irrelevant and I do not think the insurance market has to rely on that.<\/span><\/p>\n<p><span title=\"Pe termen lung, o astfel de situatie poate fi o pierdere pentru ambele parti.\">In the long run, such a situation can be a loss for both parties. <\/span><span title=\"Industria asigurarilor poate scadea si cu efecte negative pe termen lung, iar companiilor li se poate parea o idee buna sa gestioneze riscul pana la primele daune cu adevarat mari, intr-un moment usor nepotrivit.\">The insurance industry can also decline with long-term negative effects, and companies may find it a good idea to manage the risk until the first really big damage, at a slightly inappropriate time. <\/span><span title=\"Cand nu mai esti asigurat, cateva daune una dupa alta pot destabiliza compania. \">When you are no longer insured, several damages one after the other can destabilize the company.<\/span><\/p>\n<p><span title=\"Pe scurt, cred ca pentru companii nu este solutie viabila deoarece tine prea mult de noroc, iar pe alta parte, societatile de asigurare trebuie sa analizeze mai in detaliu ce efecte pe termen lung au preturilor ridicate ale asigurarilor obligatorii.\">In short, I think that for companies it is not a viable solution because you are too lucky, and on the other hand, insurance companies need to analyze in more detail what long-term effects the high prices of mandatory insurance.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Risk of Self-Insuring: Why Small Companies Need CASCO In the last year, I have often encountered a new situation. Many companies with serious car parks prefer not to close CASCO insurance. That means they take the risk of damages instead of paying an insurance company. After all, the reason why this happens is not<\/p>\n","protected":false},"author":1,"featured_media":1036,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-963","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-broker"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Razvan Rusu, Leader Team: How small companies become insurance companies if they give up CASCO | Leader Team<\/title>\n<meta name=\"description\" content=\"Discover more about \u279c Razvan Rusu, Leader Team: How small companies become insurance companies if they give up CASCO \u2705 Tips and Recommendations from specialists \u27a4 Read the article on Leader Team\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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