Insurance companies launch insurance of issuing issuing marketeers orders

Insurance companies launch insurance of orders (PVZ) of marketplaces. Market participants and experts agree that this is a promising segment due to a large number of customers and low unprofitability. But in such conditions, there is a possibility that insurance may become a virtually prerequisite for the operation of the PVZ.

Insurers launch the sale of policies for the issues of issuing orders of marketplaces. At the end of March 2025, such a product began to offer Ozon Insurance (the Service of the Marketplais of the same name) together with Ingosstrakh and Zetta Insurance. The Renaissance Insurance company told Kommersant that they plan to launch a similar service in the near future. Considers such an opportunity and Sogaz.

The policy for PVZ owners includes four tariffs worth from 9 thousand to 19.5 thousand rubles. per year.

“The insurance product applies to the premises and property of the PVZ (furniture, equipment, interior decoration) and is designed to compensate for damage from fire, hacking, flood,” explain in Ozon Insurance.

In addition, if an insured event has led to the temporary closure of the PVZ, it will be compensated by simple for up to ten days. The policy also includes protection against the theft of goods and civil liability to the lessor and other third parties, the company is added. The insurance coating varies from 625 thousand to 2.1 million rubles.

You can insure both the Ozone PVZ and third -party marketplaces, even if the points are decorated on different legal entities. All interaction with the owners of the PVZ will be organized through the OZON insurance unit.

For insurers, this is a very promising market segment. “This is the largest segment of small and medium -sized businesses, which has received intensive development thanks to electronic trade,” said Alexei Khomyakov, Executive Director of Partnership Sales of Zetta Insurance. According to the Yandex Card service, at the beginning of March 2025 in Russia there were 185 thousand issuing points. At the same time, the Ozon has about 60 thousand points at the Ozon, Wildberries – 54 thousand, for Yandex Market – about 15 thousand (see. « Kommersant » from March 24).

According to Oksana Khlopova, the head of the Ingosstrakh business support department, the policy is widely coated and provides comprehensive protection. At the same time, according to the estimates of the independent expert Andrei Barkhota, the segment volume can amount to 4 billion rubles, and the level of loss will be low, since such insurance cases rarely occur at the PVZ. According to the co -owner of the insurance broker Mainsgroup Sergey Khudyakov, the level of unprofitability will be in the range of 40–80%.

However, experts indicate potentially high competition in the segment. “Marketplaces work with the PVZ on the principle of a franchise, which allows them to first“ play ”with the size of the commission and make it below if the PVZ and the goods located in it will not be insured,” said Alexander Tsyganov, professor at the Financial University under the Government of the Russian Federation. It does not exclude a direct requirement on the availability of an insurance contract “as a conditions for connecting to work with a particular marketplace”, however, in this case there should be a choice among several insurers. ”

The experiment with the insurance “may result in the fact that this will be forced practice at the opening of the PVZ”, does not exclude the founder of the Scholchev consulting agency Evgeny Sholchev.

At the same time, insurers who develop such products alone, without a marketplace, will have to compete with discounts or other methods, which can adversely affect profitability, Alexander Tsyganov points out. For customers, the main minus is that “insurance does not fully cover all the risks, and in the first year of piloting we can see a relatively high level of refusal to pay,” Mr. Barhota notes.

Wildberries and Yandex did not respond to Kommersant’s request.

Julia Proving, Daria Andrianova