It is a question of saving the company "Prominstrakh", which is.

leader in the construction companies' liability insurance market. According to statistics, each.

the tenth square meter of housing (out of 78.6 million leased in 2017. ) in Russia.

built by companies in different stages of bankruptcy. Besides,.

According to the Unified Register of Developers, about 10% of all housing under construction are listed.

as suspended objects, which in practice is also threatened with rapid bankruptcy.

building companies. And the first swallows are already there. It is about the participants of the share.

construction of four buildings LCD "Tsaritsyno". Leadership in Insurance.

responsibility of developers over the past few years, the company.

"RINCO", created by natives of the "BALT-insurance", and later became "Prominstrakh".

Record indicators of these companies demonstrated due to mass.

insurance, including those were and problem developers. This state of affairs.

allowed them to attract funds from participants in shared construction. what.

As for RINCO, RBC previously wrote about it: "This is the only insurance company that has insurance.

civil liability of developers on the DDU, according to the Central Bank, takes.

the main share in business - 99.2%. In this case, the company "RINCO" neither in 2016 nor in the.

beginning of 2017 did not make payments and did not reinsure the premiums ". The main risk is that.

"Prominstrakh" will soon have to pay at least 30 billion rubles. for bankruptcy.

developers. And this can only be the tip of the iceberg, because the insurance.

The company rarely deals with insurance itself, which implies a thoughtful evaluation.

risks and quality of work of developers. "Two or three insurance cases with.

the amount of payments of several billion rubles, so that with a high degree of probability.

insurance companies, the most active in this market, ceased to exist, ".

- ascertain the analysts. According to the Agency of Insurance News,.

RINCO completed the procedure for transferring the portfolio to Promstrakh to the contracts.

voluntary insurance of property of legal entities and individuals, as well as.

portfolio of developer's liability insurance contracts. Taking into account that,.

that looking for insurance companies' reporting is a hopeless business, it's about financial.

The state of the latter can only be assumed, based on data in the open.

sources. If we imagine that RINCO fully transferred its insurance.

portfolio "Prominstrakhu", then, as calculated by "Komsomolskaya pravda", the possible amount of obligations is about 1.5 trillion.

rubles. Thus, the publication concludes, it may be about the appearance of.

150 thousand new deceived co-investors (together with members of their families). With such.

it is likely that the Central Bank will have to spend a minimum of 150 billion on.

sanation in the next couple of years - three years. Experts say that to avoid possible.

problems would be helped by the monthly publication of reports on insurance companies,.

as it happens with banks. The names "RINKO" and "Prominstrakh" are loud.

sounded last summer, and sounded in a negative way. Then they were bowed down.

and deputies during the discussion of the fate of shared construction, and interest holders,.

who opposed transfer of a portfolio from one insurer to another. These.

actions were called "changing the signboard of an unscrupulous insurer". The history of these insurance companies.

very curious. According to the "Free Press",.

RINKO left the market abruptly. Insured risks, the media notes, went to "Prominstrakh",.

"who in the past has never had experience working in this type of market".

However, this did not cause fear of defrauded co-investors, the publication noted: "A.

that immediately began to express suspicions that the portfolio when transferring fairly.

Thin and "Prominstrakh" may not have enough money to pay off.

interest holders. Oil in the fire poured and the fact that one of the co-owners of the insurance.

company is Larissa Marcus - a banker with a heavily soiled reputation, and.

"Prominstrakh" itself proves to be the co-founder of the Vneshprombank ".

By the way, according to Rusprofile. ru,.

Larissa Marcus is still listed as one of the founders of "Prominstrakh". According to "Komsomolskaya.

truth ", in 2008, then" BALT-insurance "came to the market share.

construction led by general director Yevgeny Miroshnikov (he is also credited with.

and possession of the insurer). "BALT-insurance" entered the group close to Marcus,.

which participated in a small International Construction Bank, where.

Miroshnikov also owned a stake. In addition to him, among the founders of credit.

organizations were Sergey Odintsov and Vitaly Kuryshev. Shareholders of another.

Bank - "Eurocapital-Alliance" was a group of beneficiaries, among whom were all.

the same Evgeny Miroshnikov and Andrey Kuryshev, as well as Igor Naletkin and Vladimir.

Koloshin, reports Banks. RU.

At the same time Vitaly Kuryshev was the chief accountant of the insurance company.

"BALT-insurance". After the bankruptcy of the last Eugene.

Miroshnikov became the general director and sole owner of the company "RINKO".

Sergey Odintsov, according to the information system Rusprofile. ru, is now.

one of the ultimate beneficiaries of "Prominstrakh". In addition, almost all of the above persons appear.

in the "Register of Agents" on the website of "Prominstrakh". In addition, Sergei.

Gladkina and Evgenia Miroshnikova connects the common hobby - participation in the tourist.

club, which organized their march to the North Pole. By the totality of these facts, one can.

say that "Prominstrakh" has the most close ties of Vneshprombank, de facto.

being his insurance "daughter". Against this background, one point is curious: after.

transfer of clients from RINCO in "Prominstrakh" Sergei Gladkin refused to hold office.

the general director. With closer examination.

activities of each of the three above-mentioned insurers are clarified.

interesting details of their activities in the market of shared construction. For example, "BALT-insurance",.

having collected 4.5 billion rubles of insurance premiums from bankholders, went bankrupt,.

having paid insurance (this happened just in the days of Miroshnikov's directorate).

After that, a number of top managers of the bankrupt insurer crossed over to RINCO.

Then, in the second half of 2016, RINKO suddenly makes a sharp jump and leaves.

among the participants of the equity construction insurance. On her account.

it turns out almost 300 thousand contracts for almost 15 billion rubles. Wherein,.

the amount of obligations reaches a trillion! In addition to LCD "Tsaritsyno" in.

the portfolio of the insurer has a number of extremely problematic objects. This, according to the "Nezavisimaya Gazeta", and "Rechelstroy" (suits for its bankruptcy are filed regularly), "Akhtuba CityPark".

(the amount of insurance payments for each shareholder can reach 1.1 million rubles).

"Dolinstroy" and others. "It is about the responsibility of the company to.

thousands of co-investors, many of whom have already acquired the right to an insurance.

compensation, "- says the publication. By the way, in the case with the same.

"Tsaritsyno" refers to the payment of several billion rubles.

interest holders with analysts doubt that the company will have such money.

"While payments to people did not start and when they start, it is not known," states.

Volgograd edition of "City News". It is curious that, speaking of success,.

representatives of "Prominstrakh" like to brave the RAEX assessment (Expert RA),.

asserting the allegedly qualitative reinsurance protection of the accepted clients of RINCO. but.

in fact, the portfolio undermined.

The rating of Prominstrakh (from level A (II) to ruBB- with an evolving outlook and.

status "under supervision"). Meanwhile, we recall that the rating of RINCO in April.

2016 was at level B - "low level of reliability" with "negative".

forecast, and then was completely withdrawn. Obviously, such an inheritance could not.

positively reflect the rating of "Prominstrakh". The first time after the merger.

portfolios of the company managed to survive, but then rolled downhill and is already close to.

lower indicators of RINCO. Note that the company has emerged and.

many issues of its reinsurance protection. During the CBA audit, it became clear that.

Only 70 thousand dollars were spent on it, which is obviously extremely small for.

responsibility for a trillion rubles. Thus, we can talk about.

invalidity of such protection. The insurer was lucky that this.

fact did not pay attention to rating agencies. Against the background, what is happening is strange.

looks like the position of the regulator: how he allowed to transfer clients to such.

conditions and did not close this insurance boutique at all? And after all for each piece of paper.

there is a human destiny, and often not one. In addition, this behavior of the Central Bank.

can turn into an insurance company for the temporary administration and.

another many billion reorganization, which, by the way, will be done for.

account of ordinary citizens and their taxes.