Iintlobo zeeNkampani zeAshishino
Imisebenzi eyenziwa kwiinkampani zomshuwalense ziyahlukahluka ngokuxhomekeka kwindlela abaqinisekisi basebenzisa ngayo ukusabalalisa iimveliso zabo. Uninzi lwe-inshurensi liwela kwelinye lala maqela amathathu alandelayo:
- Abalobi abaziintloko Iinkampani zomshuwalense ezithengisa imigaqo ngqo kubathengi be-inshorensi ngaphandle kokusetyenziswa kwabaphathi (abameli okanye abadayisi) babizwa ngabalobi abaqondayo. Aba bhorensi baxhomekeke kunye nabathengi ngefowuni okanye kwiwebhusayithi. Abanye bagcina ii-ofisi zokuthengisa apho abathengi beza kuthenga imigaqo-nkqubo. Umzekelo wombhali othe ngqo yi-Nationalwide Insurance.
- I-Exclusive Agency Insurer Abenzi batshurensi bathengisa iimveliso zabo ngokusebenzisa i-agents ezikhethekileyo, ezithetha intsingiselo ezisebenzela zona kuphela. Imizekelo yabaFama i-Inthanethi kunye neFama yeSizwe.
- I-Inshenkethi ye-Independent Insurer abaninzi bathengisa kunye nemigaqo-nkqubo ye-inshorensi yoshishino ngama- omele azimeleyo kunye nabathengisi. Igosa elizimeleyo kufuneka liqeshwe yiyo (inesivumelwano kunye) ne-inshurensi ethile ukwenzela ukuthengisa imigaqo yayo.
Abasebenzi beNkampani Yomshuwalense
Nayi imisebenzi eyintloko eyenziwa ngabasebenzi bepropati / iinkampani zomshuwalense . Njengoko kuphawuliwe ngezantsi, le mi sebenzi ayikho kuzo zonke iinkampani.
Ummeli weNkonzo yoMthengi
Njengoko kuphawuliwe ngasentla, iinkampani ze-inshorensi ezisebenza njengabalobi abazichanileyo azizisebenzisi ii-arhente okanye abathengisi ukusabalalisa iimveliso zabo.
Kunoko, bathengisa iipolisi ngokusebenzisa abameli beenkonzo zabathengi (CSR's). I-CSR iqeshwe ngu-inshurensi. Uthetha nabathengi ngefowuni, kwi-intanethi , okanye kwi-ofisi yokuthengisa yendawo. Xa umthengi omtsha efuna umgaqo-nkqubo, i-CSR iqokelela ulwazi kwaye inikeza inkqutyana. Emva kokuba umgaqo-nkqubo ukhutshwe, i-CSR ihlala iqhagamshelana nophuhliso lwabathengi kuyo yonke imicimbi enxulumene nomgaqo-nkqubo ngaphandle kwamabango.
Agents Exclusive
I-arhente ekhethekileyo ithengisa imigaqo-nkqubo ngqo kubathengi be-inshorensi egameni lomshuwalense omnye. I-arhente ekhethekileyo inokuba ngumqeshwa we-inshurensi okanye ikontrakta elizimeleyo . Xa kuthengiswa ngumthengi we-inshurensi, i-arhente iqokelela ulwazi kwaye inika i quote. Ukuba umthengi uthenga umgaqo-nkqubo, i-agent iba ngumlamli oyintloko oyena mgaqo-nkqubo kunye nomshuwalense. Iinkonzo zeejenti umgaqo-nkqubo kwaye ilawula yonke imiba enxulumene nayo ngaphandle kwamabango.
Abameli beZentengiso
Abanye abaqinisekisayo baqesha abameli bokuthengisa ukutsala abathengi abatsha. Laba baqeshwa banxeba kubathengi abanokuthi bathengise iimveliso zenkampani. Kwixesha elidlulileyo, abaninzi abaqinisekisayo abasebenzisa ama-omeli azimeleyo abaqeshiweyo abathengisa abasebenzi. Laba basebenzi bavelisa ishishini ngokuhlakulela ubudlelwane obusondeleyo kunye neenkonzo.
Kwiminyaka yakutshanje, abaninzi bomshuwalense baye banqumla abasebenzi babo. Abancinci ngoku banoxanduva lwemisebenzi eyenziwe ngaphambili ngabaphathi beentengiso.
Ngaphantsi kwamashishini
Abangabhalisi bafumana izicelo ezigqityiweyo ezivela kwi-CSR, ii-agents okanye abadayisi. Abancinci banquma ukuba ngaba abafake izicelo ze-inshorensi badibana ne-insurer. Cinga ukuba ufuna ukuthenga umgaqo-nkqubo wentengiso. Umgcini-phantsi ubona isicelo sakho. Yena okanye ubona uhlobo lweshishini osebenzayo, imbali yakho yelahleko, idatha yakho yezemali, irekhodi labasebenzi bakho, kunye nezinye iinkcukacha ezahlukeneyo.
Umgcini-phantsi usebenzisa le datha ukuchonga ukuba inkampani yakho ibingakanani, ibhetele kunomyinge, okanye ngaphantsi komngcipheko ophantsi. Ingozi yakho iya kubonakala kwi-premium yakho. Ubungozi obuhle buhlawula ngaphantsi kweengozi ezimbi.
Umsebenzi we-underwriter awupheli xa uthenge umgaqo-nkqubo. Uya kuqhubeka nokujonga ilungu lakho lokuqala kunye nelahleko. Abancinci bahlaziya iipolisi ngonyaka. Uya kukwenza ukuba umgaqo-nkqubo uza kuhlaziywa kwaye ukuba kunjalo, i-premium ekufuneka ihlawulwe.
I-Insurance Adjuster
I-inshorensi yezilungelelanisi kunye nabaphathi-nkqubo kwimicimbi enxulumene namabango. Umlungiseleli angaba ngumqeshwa we-inshurensi okanye ikontrakta elizimeleyo. Umnini-nkqubo unako ukuqesha isilungiselwano somphakathi ukuxoxisana ne-insurer's adjuster egameni lomnini-nkqubo.
Emva kokuba ufake ibango, umququzeleli we-inshorensi uza kuhlolisisa iinkcukacha zokulahleka kwakho kwaye ahlole nayiphina impahla (eyakho okanye ummangali) owonakele. Uza kudliwano-ndlebe namangqina, abangozicelo, amagqirha, amapolisa nabanye abantu abanolwazi oluchaphazelekayo kwibango. I-adjuster iya kuphinda iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphindwe. Unokuxoxisana kunye nawe (okanye ummangali) kwaye ugunyaze iintlawulo.
AbaMangali bamabango
Ulwazi lwabahloli bamabango ekuhlaziywa kwebango olunikezelwa ngabaguquli ukuba baqinisekise ukuba ngaba amabango ayenziwe ngokufanelekileyo. Abahloli abaqwalasele onke amabango. Bajolise kwizinto ezinzima, ezinzima, ezibuzayo okanye ngokunye zifuna ingqalelo. Abahloli bafaka iintlawulo zebango, ixabiso lokugcina, kunye nolunye ulwazi kwinkqubo yekhompyutheni yekhomputha. Baya kudlananisana namangqina, amagqwetha, oogqirha kunye nabanye ababandakanyekayo kwibango. Abahloli baqhubeka nokulandelwa kwamabango ade bagqitywe kwaye zonke iindleko ziqinisekisiwe.
Ummeli woLawulo lokuLawula
Uninzi lwabatshutshisi banika iinkonzo zokulawula umngcipheko ngeSebe loLawulo lokuLawula. Ukulawulwa kwabasebenzi bokulahlekelwa kwenza uhlolo lokuhlola izakhiwo, izithuthi kunye nezinye ipropati ezikhuselekile ukuqinisekisa ukuba zikhuselekile kwaye zikhululekile. Abahloli bafundisa abaphathi-nkqubo malunga neengozi ezinobungozi kwipropati yabo, kwaye ziziphi iindlela anokuthatha ukuze benze izakhiwo zabo zikhuseleke.
Ukuba unemivuzo yokunikwa kwembuyekezo yabasebenzi , umhloli unokubeka esweni abasebenzi bakho ukuqinisekisa ukuba basebenzise izixhobo ezikhuselekileyo zokukhusela. Ukuba une- auto-coverage , i-rep control control iyakwazi ukuhlola izithuthi zakho. Xa uhlolo lugqityiwe, impendulo ingancomela utshintsho lokunciphisa okanye ukuphelisa izingozi.
Ezinye iziphakamiso zinokuba zikhethiweyo. Abanye banokuthi banyanzelekile, oku kuthetha ukuba kufuneka wenze iinguqulelo ezicetywayo ukuze ugcine ingqalelo yakho. Ingxelo yokulawulwa kwelahleko ithunyelwa kumgcini-phantsi, osebenzisa ulwazi ukuqhubela phambili ukuphonononga ingozi yakho.
Umphicothi-zincwadi
Ininzi-nkqubo ye-inshorensi ixhomekeke kuphicotho- zonyaka . Umphicothi-zincwadi we-premium angatyelela indawo yakho ukuze ahlaziye iirekhodi zakho zezemali. Unokuhlalutya i-payroll yakho, ukuthengisa kunye nezinye iirekhodi ukuqinisekisa ukuba idatha ichanekile. Abaphicothi-zincwadi bangenza uphicotho-zincwadi ngeefowuni. Umphicothi-zincwadi uya kugqiba i-premium yakho yokugqibela kwaye uyilinganise neyokuqala (idiphozithi) yokuqala. Ukuba iinombolo ezimbini ziyahluka, unokuhlawulwa i-premium okanye ufumane imali.
Indawo yokuhlala
Ii-actuaries ziqikelela iirhafu ozihlawulayo. Basebenzisa imodeli yeemathematika ukwenza izibikezelo malunga nokulahleka kwexesha elizayo. Bancedisa ukudala iimveliso ezintsha ngokuphuhlisa intengo kunye nokubikezela amava okuzayo. Iingxelo zokuncedisa i-insurers zichonga ukuba yeyiphi iirhafu ezihlawulwayo ukukhuphisana namanye ama-inshorensi kodwa isoloko inenzuzo.