10 Iintlobo ezininzi eziqhelekileyo zamabango

Ziziphi iindleko zomshuwalense eziqhelekileyo ezenziwa ngamashishini amancinci? Ziziphi iintlobo zamabango ezona zibiza kakhulu? Uphando olwenziwa yi-The Hartford, inkampani yeenkonzo zenkxaso-mali, linika iimpendulo zemibuzo. Umshuwalense uhlalutye ibango lwedatha ukusuka kwimigangatho engaphezu kwesigidi esithengwa ngabanikazi bamashishini abancinci. Idatha ibandakanyeka kwiminyaka emihlanu (2010 ukuya ku-2014) kwaye isetyenziselwa uxanduva, izibango zemoto kunye nepropati.

Iziphumo zesifundo seHartford sishwankathelwe apha.

I-Forty Percent Chance of Claim

Xa abanikazi bamashishini abancinci bathenga umgaqo-nkqubo we-inshorensi, abaninzi banokucinga ukuba baya kugcina nayiphi na ilahleko. Bayijonga i-inshorensi njengokhuseleko kwimicimbi engavamile. Sekunjalo, ilahleko ziyakwenzeka ngokuphindaphindiweyo kunokuba abaninzi abanini beshishini balindele. Ngokutsho kwe-Hartford, ama-40% amashishini amancinci aya kufaka ipropati okanye ukulahleka kwemfanelo kwiminyaka elishumi ezayo.

Uninzi lweeNdawo eziNinzi zamaBango

Uhlalutyo lweHartford lubonisa ingcaciso malunga neentlobo zamabango amancinci amancinci angalindela. I-inshurensi icacise oku kulandelayo njengeentlobo ezilishumi eziqhelekileyo zamabango ezenziwa ngamashishini amancinci. Ipesenti eboniswe ngasemva kolunye uhlobo lwebango yipesenti yeebango zamanani.

1. I-Burglary kunye noBhoba (20%) Abenzi bobugebengu bangaba ngabasebenzi abangathembekanga okanye abangaphandle.
2. Amanzi kunye noKhuseleko lweHlabathi (15%) Ezi zibandakanya ibango elibandakanya ukulimala kwephahla kwiqhwa okanye kwiqhwa kunye nomonakalo obangelwa yimibhobho eqhwithileyo

1. Umoya kunye neNdawo yokuLawulwa kweNkunkuma (15%)
2. (10%) Umlilo ungenye yezizathu eziqhelekileyo zomonakalo wepropati, kodwa abaninzi abanomgaqo-nkqubo bajongela phantsi amandla akhe okubhubhisa.
3. I- Slips yoMthengi kunye ne-Falls (10%) Phantse nayiphi na ishishini inokufaka ibango le-slip-and-fall. Nangona kunjalo, inkampani yakho ingaba yingozi nakwiimangalo ezinjalo ukuba abathengi okanye amalungu karhulumente ba tyelela rhoqo indawo yakho okanye indawo yomsebenzi.

1. Ukulimala kwabaThengi kunye nokulimala (ngaphantsi kwe-5%) Abathengi bangalimaza ukulimala komzimba okanye umonakalo wepropati kwiingozi ezingabandakanyi izihlwitha kunye nokuwa. Ngokomzekelo, umthengi uyalimala kwiofisi yakho xa isibane esiluhlaza siphantsi kwaye simshaya entloko.
2. Ubunzima beMveliso (ngaphantsi kwe-5% ) Ubungozi bakho kwiibango zemfanelo yemveliso kuxhomekeke kwiimeko ezahlukeneyo ezibandakanya uhlobo lwemveliso yakho kunye neziqinisekiso ozenzayo xa uthengisa umveliso.
3. Yakhiwe yiNjongo (ngaphantsi kwama-5%) Iindidi ezininzi zezinto ezihambayo zingabangela ukulimala emsebenzini. Imizekelo imoto kunye namaloli, izixhobo zokusebenza , izixhobo zokusebenza zokwakha, kunye nesichotho.
4. Ukulimala okungaphantsi (ngaphantsi kwe-5%) Lawa mabango e-third-party amashishini amancinci ngenxa yezenzo ezinjengeqhinga kunye nokunyundela. Abamangalelwa bathi inkokheli yabo yonakaliswe yizo zinto.
5. Ingozi yezimoto (ngaphantsi kwe-5%) Inkqubo yokukhusela isithuthi inokukunceda ukukhusela izimangalo zengozi yemoto.

Amabango amaninzi

Ngokucacileyo, ezinye iintlobo zamabango zivela ngokuphindaphindiweyo kunabanye. Sekunjalo, ibango lexesha linye yinkalo enye yamabango aqinisekisayo. Bakhathazeke nangokubaluleka kwebango (ubukhulu bamabango). I-Hartford ibalwa inani leendleko zamabango kwiindidi ezilishumi ezikhankanywe ngasentla.

Nazi iindidi ezilishumi ngokulandelelana kweendleko eziqhelekileyo, ukusuka phezulu ukuya ezantsi.

1. Ukulimala ngokutsha ($ 50,000)
2. Ingozi yeZithuthi (i-$ 45,000)
3. Umlilo ($ 35,000)
4. Umthwalo weMveliso ($ 35,000)
5. Ukulimala kwabaThengi okanye ukulimala ($ 30,000)
6. Umoya kunye neNdawo yokuLawulwa kweNkunkuma ($ 26,000)
7. Slip Client and Fall ($ 20,000)
8. Yakhiwe yiNjongo ($ 10,000)
9. Imonakalo yamanzi kunye ne-Freezing (i-$ 17,000)
10. I-Burglary noBhoba (i-$ 8,000)

Qaphela ukuba izigubhu kunye nobuqhopho bevelise inani elikhulu lamabango, kodwa inani lemali yesibango eliqhelekileyo lalilingancinci. Ukulimala kokuhlaziya kunye neengozi zezithuthi zazingekho phantsi kwoluhlu lwamanani (amanqaku 9 kunye no-10, ngokulandelanayo) kodwa phezulu (amanani 1 no-2) kwiluhlu lobunzima.

Izifundo zamashishini amancinci

Uhlalutyo lwamabango oluqhutywa yi-Hartford lusekelwe kwi-data ye-insurer. Uhlalutyo oluqhutywe ngenye i-insurer lungenza iziphumo ezahlukeneyo.

Sekunjalo, isifundo seHartford sinika ulwazi oluncedo kubanini abashishini abancinci. Inokukunceda amafemu amancinci anqume ukuba angayigxininisa njani imizamo yokulawula ilahleko.