Izinto zeNkqubo yokuBala
Abaninzi (ngaphandle kwabo bonke) batshorensi balala iipresimesi zecala jikelele ngokusebenzisa uluhlu kunye nenkqubo yokulinganisa eyenziwa yi- Ofisi yeeNkonzo ze-Inthanethi . Ngaphantsi kwesi simiso, i-premium yakho ixhomeke kakhulu kwizinto ezintathu ezilandelayo:
- ukuhlelwa kwebhanki yakho
- iirhafu ezibelwe ezo zihlomelo (ukulungiswa kwimida oyikhethile)
- isiseko sokungabikho (njengokuthengisa okanye ukuhlawula iirhafu) apho iirhafu zisetyenziswa khona
1. Izahlulo
Isinyathelo sokuqala kwinkqubo yokulinganisa kukuhlalutya ibhishini lakho. I-ISO ihlinzeka ngamakhulu amabandla okuhlukanisa, nganye leyo ichazwa yinkcazo kunye nenani leenombolo ezinhlanu ezibizwa ngekhowudi yeklasi . Nazi ezinye izibonelo:
- Iifolokhi, ikhowudi yeklasi 14913
- UkuThengiswa kweMveliso yokuThengisa - Emile, Emile, ikhowudi yeklasi 53374
- I-Drywall okanye i-Wallboard Ukufaka, ikhowudi yeklasi 92338
Ibhizinisi ngalinye linikezwa udidi olubonisa imboni yalo kunye nohlobo lwentsebenzo.
Ingcamango kukuba amabhizinisi anemisebenzi efanayo afana nobungozi obufanayo kwaye avelise iintlobo ezifanayo zamabango. Ngaloo ndlela, iindidi ezifanayo zamashishini zinikezelwa ngokwahlulo olufanayo.
Umzekelo, iLarson Locks isebenza ngaphandle kwendawo esecaleni apho ithengisa khona ukukhiya umnyango, i-padlocks, i-safes kunye nezinye izinto ezinxulumene nokhuseleko.
Inkampani iphinda ithumele abasebenzi kumakhaya amakhasimende, amabhizinisi okanye izithuthi ukulungisa iingxaki ezinxulumene nokukhiya. Uninzi lwama-locksmith enza iintlobo zeenkonzo ezifana neLarson Locks. Ngaloo ndlela, abagcini-mboleko abaqhelekileyo bawabela amabhizinisi afana neLarson Locks kwi-classification efanayo (i-Locksmiths).
Ngokuxhomekeke kwimeko kunye nobunzima bomsebenzi wakho, ishishini lakho linokubelwa elinye okanye amanqaku amaninzi. Udidi ngalunye lukhowudi yeklasi ehambelanayo.
Amakhowudi eklasi ahlelwe ngamaqela. Ngokomzekelo, onke amashishini angama-mercantile abelwe ikhodi yeklasi phakathi kwe-10000 no-19999. Ngokufanayo, onke amashishini enza ukuqhuba okanye ukucwangcisa imisebenzi abelwe ikhowudi yeklasi phakathi kwe-50000 no-59999.
2. Iirhafu
Inxalenye yesibini kwinkqubo yokulinganisa isantya. IiRhafu zingahluka ngokubanzi kwi-insurer enye ukuya kulandelayo. Abanye abaqinisekisayo bahlakulela amaxabiso abo "ukusuka ekuqaleni." Abanye bacwangcisa amaxabiso ngokusekelwe kwidatha yeendleko ezifunyenwe kwi-ISO. Kungakhathaliseki ukuba i-insurer yakho ibalwa njani iirhafu zakho, kufuneka zifakwe kwiiNgcaciso zeMfanelo.
Qaphela ukuba izinga ohlawula ngalo liza kubonisa imida oyikhethileyo yokunika ingxelo. Oku kuthetha ukuba uza kuhlawula umyinge ophezulu kwi-1 million yezigidi umlinganiselo ngamnye wokuba ungayenza umyinge wama-100,000.
Umgaqo-nkqubo wokuzibophelela ngokubanzi uquka iindidi ezimbini zokubhengezwa: indawo kunye nokuthengiswa kwemisebenzi kunye nemveliso kunye nokugqitywa komsebenzi ogqityiweyo. Kuluhlu oluninzi, ezi ngxelo zilinganiswa ngokwahlukileyo. Okokuthi, inqanaba elilodwa lisebenza kwisakhiwo kunye nemisebenzi yokukhawuleza kwaye enye inqanaba lisebenza kwiimveliso kunye nokugqitywa komsebenzi ogqityiweyo.
Indawo kunye neMisebenzi
Izikhundla kunye nokusebenza kwenkcazo kusebenza kwiimangalo ezichaphazela ishishini lakho ngenxa yengozi yomzimba okanye umonakalo wepropati obangelwa ziziganeko ezivela kwindawo yakho. Umzekelo ibango elifakwe ngumthengi wakho owenzakeleyo kwisikhwama kunye nesiganeko sokuwa kwiofisi yakho yezoshishino.
Izikhundla kunye nokusebenza kwenkcazo kusebenza nakwiimangalo zokulimala okanye umonakalo obangelwa ngengozi ephuma kwinkqubo eqhubekayo yenkampani yakho. Imisebenzi ingenziwa kwindawo yakho (njengendawo yokuvelisa) okanye kwenye indawo (njengendawo yomsebenzi).
Ngokomzekelo, cinga ukuba umqeshwa wakho aphule ngokukhawuleza ucezu lobugcisa ngenkathi efake izixhobo zeekhompyutha kummandla wee-client. Ukuba umthengi ufake isicelo somonakalo wepropati kwenkampani yakho, ibango kufuneka lifakwe ngendawo yakho kunye nokusebenza kwenkcazo.
Imveliso kunye noMsebenzi ogqityiweyo
Imveliso kunye nokugqitywa komsebenzi ogqityiweyo kusebenza kwiimangalo zenkampani yesithathu ngokulimala ngengozi okanye umonakalo obangelwa yimveliso yakho ephosakeleyo okanye umsebenzi ongenasiphelo okanye umsebenzi owugqibileyo. Ngokomzekelo, umthengi ufayile ibango lemfanelo yeemveliso ebhizinisini lakho emva kokuba ephule izinyo kwindawo yomngxuma oqulethwe ngepayi eyithengile kwisitoreji sakho. Njengomnye umzekelo, umthengi unyanzela inkampani yakho yokonakalisa umonakalo wepropathi emva kokuba udonga olugqityiwe kwiinyanga ezimbini ezidlulileyo ezithe zawa, zalimaza iloli lakhe.
Ezinye iintlobo zamashishini azivelanga iimveliso okanye umsebenzi ogqityiweyo (okanye ixabiso elingafanelekiyo). Imizekelo yintengiso yeebumba kunye neebhrari. Uninzi lwamatyala kwizibhengezo zeebhokhwe kunye neebhrari zivela kwiingozi ezenzeka kwindawo yazo. Ezi shishini zihlawuliswa zakhiwo kunye nokusebenza kwenkcazo kuphela. Akukho ntlawulo eyenzelwe iimveliso kunye nokugqitywa kwemisebenzi
3. I-Exposure Base
Inxalenye yesithathu yemilinganiselo yoxanduva jikelele jikelele isiseko sokungabikho. Ngokuxhomekeka kubume boshishino lakho, isiseko sakho sokubakho kungabakho indawo yesakhiwo sakho, isixa semali esithengisayo esilindele ukuba uyenze ngexesha lomgaqo-nkqubo, umrhumo wakho wokuhlawula, okanye enye into.
Ulwahlulo oluninzi lulinganiswe ngokuthengisa. Ngenxa yalezi zigaba, i-premium ibalwa ngokuphindaphinda ireyithi ngamaxabiso athengiswayo ahlukeneyo ngama-1000. Ngokomzekelo, cinga ukuba uLarry ulindele ukuba iLarson Locks ivelise i-$ 5,000,000 kwiivenkile ezithengiswayo ngexesha lepolisi yakhe. Iirhafu eziboniswe kumgaqo-nkqubo zi-$ 1.00 zendawo kunye nemisebenzi kunye ne-1.50 yeemveliso kunye nemisebenzi egqibeleleyo. I-premium ye-Larry yi-1.00 X (5,000,000 / 1,000) kunye ne-1.50 X (5,000,000 / 1,000) = 5000 kunye ne-7,500 okanye i-12,500.
Masithi ukuba ukuthengiswa kweprojekthi kaLarry kwakuyi-$ 5000 kuphela. Ekubeni i-premium yayo ibalwa kakhulu (i-$ 12.50 kuphela) i-insurer yakhe iya kumhlawula i-premium encinane. Lo ngumyinge omncinci apho umshwalense uzimisele ukukhupha umgaqo-nkqubo.
Ulwahlulo lwaBasebenzi beMbuyekezo
Inkqubo yokwahlula isetyenziselwa ukulinganiswa kwesixa -mali asiqhelekanga njengoko inkqubo ye- NCCI yokuhlenga i-inshorensi yokusetyenziswa kwemali . Ukwahlula kwiinkqubo ezimbini zihluke ngokupheleleyo. Inkqubo yokuhlelwa kweNCCI isekelwe kwiikhowudi zeeklasi ezi-4 ngelixa inkqubo yoxanduva isebenzisa iikhowudi ezinamahlanu.