Uphulo lwezorhwebo ludidi lwe- inshorensi yoshishino olubandakanya imivuzo eyahlukeneyo. Kwakhona kubandakanya iiprojekti ezimbalwa zepropati
Iifowuni zibandakanyiwe kwiNtshontsho yoRhwebo
Zininzi iintlobo ze- inshorensi yemfanelo yorhwebo . Nazi iindawo eziqhelekileyo ezithengwa ngamashishini.
- Intsholongwane Yobunjineli . Le yiseko yentsholongwane yomshuwalense. Ikhusela amashishini avela kumabango okanye amaxhoba ngabathengi, abathengi, kunye namanye amaqela okwenzakala komzimba , umonakalo wepropati , okanye ukulimala komntu siqu kunye nentengiso .
- Iimpazamo kunye neNkxaso-mali yeNkampani . Kwakhona kuthiwa yi-inshorensi yemfanelo yobungcali, oku kubaluleka kuyo nayiphi na ishishini elenza inkonzo okanye linika iingcebiso ngokuchitshiyelwa intlawulo. Imizekelo emibini ngabaqeqeshi bezonyango kunye ne-akhawunti ye-E & O yinshorensi.
- YoLawulo lweNtsholongwane . Ingaba yinqanaba le-inshurensi ye-E & O ejongene nobungozi bokulawula ishishini. Kubandakanywa abalawuli kunye namagosa amagosa, uxanduva lwezakhono zomsebenzi, kunye neengxelo zokubambisa iimbopheleleko.
- Intshuwalense yeCyber . Xa sele kuthengwa kuphela ngeenkampani zeteknoloji, i- inshorensi ye-cyber yemfanelo ngoku iyimfuneko kwiintlobo ezininzi zamashishini.
- Inkonzo Yomshuwalense Wembuyekezo . Ukugqithiswa okufunekayo kwiindawo ezininzi. Ukuhlawula izibonelelo ezifunwa ngumthetho kubasebenzi abalimele emsebenzini.
- Intsholongwane yeNtsholongwane. Le nkcazo ngokubanzi ibandakanywe kumgaqo-nkqubo wokuhlawulela abasebenzi. Kwiimeko ezizimeleyo , nangona kunjalo, ngokuqhelekileyo ngokugqithisileyo.
- Insurance Insurance Kubandakanyeka uxanduva lokuthengisa ngokuzenzekelayo , kunye nezinye izibonelelo ezibandakanyiweyo kumgaqo-nkqubo womgaqo-nkqubo.
- Uxanduva oludlulileyo . Kubandakanywa isambulela sezorhwebo kunye nemigaqo-nkqubo yokunyaniseka. Bobabini banikezela imida engaphezulu, kodwa iibhulekile kuphela zibonelela ngokubanzi ngokubanzi kunemigaqo-siseko.
- Umshuwalense wezeMpilo . Ukuphazamisa ukulimala okwenzeka ngaphandle kwe-US Kubandakanyeka uxanduva lwangaphandle, ukuthengiswa kwamanye amazwe, kunye nokuhlawulwa kwabasebenzi basekuhlaleni .
- Umyinge woKhethekileyo . Ukukhutshwa kweenqwelo eziqhelekileyo kumashishini athile. Imizekelo yintengiso yomshuwalense okhethekileyo , uxanduva lweendaba , kunye nokuzibophezela
Kuquka ezinye iincwadi zokuqala zePart-Party
Ezinye iintlobo ze-inshurensi zibhekwa njengento yokuhlaselwa yintlupheko nangona ingafaki izimangalo zesithathu. Umzekelo umshwalense we-insomnia yomshuwalense wezithuthi . Le nkcazo ngokwenene inhlobo yomshuwalense wepropati njengoko ikhusela ishishini malunga nokulimala ngokomzimba kwipropati (i-autos) ibhizinisi. Inshshurensi yomonakalo yomzimba ngokwasemzimbeni ikwahlulwa njengento yokuxhatshazwa ngenxa yokuxhatshazwa ngenxa yokuba idlalwa ngokudibeneyo kunye ne-inshorensi yemfanelo ye-auto.
Kukho ezinye iindidi zomshuwalense wezithuthi ezithathwa njengezicalulo zentlupheko nangona zingasetyenziswa kwiimbopheleleko zenkampani yesithathu.
Ezi zibandakanya umqhubi ongenagqirha kwaye ongenasiphelo kunye neengxaki zokungabikho. Umqhubi wemoto engaxhaswanga (UM) ukukhuselwa kukukhusela kwiingozi zemoto ezibangelwa ngabaqhubi abangenazo iinshurensi. Umqhubi we-motorist (UIM) ukhusela wena xa umqhubi ophethe i-inshorensi ene-inshurensi, kodwa umda awunelungelo lokufihla ilahleko zakho. Bobabini i-hybrid yezinto zokuqala kunye neyesithathu. Bayayihlawula umonakalo kubashurensi ngenxa yokulimala okubangelwa ngumqhubi ongaxhaswanga.
I-inshorensi yomshuwalense we-auto ayikho inzuzo kwiqela elimele nokuba ingaba umntu olimele okanye omnye umntu wabangela ingozi. Nangona imithetho engekho-mpazamo ivumela ukuba iimeko ezizimeleyo zenkampani zithathu ziphantsi kweemeko ezithile, akukho nzuzo-ntlawulo (ngokuqhelekileyo kuthiwa ukukhuseleka kokuzilimaza) iyahlawulwa kungakhathaliseki ukuba iphoso.
Inkokhelo yemphuwalense ye-inshorensi iphinda iwele phantsi kwinqanaba le-inshorensi yecala nangona kungenjalo imbopheleleko.
Ihlawulela inzuzo kubasebenzi abalimele emisebenzini ngaphandle kwephulo. Abasebenzi abalimele akufunekanga ukufakela umgwebo kumqeshi wabo ukufumana izibonelelo zokuhlawula abasebenzi .
Ngaphambili
Ezinye iintlobo ze-inshurensi zazibhekwa njengento yokuhlaselwa yintlupheko kwixesha elidlulileyo kodwa ngoku ihlelwa njengezibonelelo zokuhlawula impahla . Ezi zibandakanya ulwaphulo-mthetho, kunye nezixhobo zokuhlawula ngamashishini.
Ubundlululo lobuqhophololo lukhusela ishishini malunga nokulahlekelwa okanye ukulimala kwipropati yomzimba, kuquka nemali, eyenziwa ngabaphuli-mthetho. Imizekelo yomshuwalense wobuphulo-mthetho ngumsebenzi webabi, kunye nemali kunye neziqinisekiso zokubambisa. I-inshorensi yamandulo ye "bhoyili kunye noomatshini" iye yandiswa kwaye yabizwa ngokuthi i- inshuwalense yokuphazamiseka kwezixhobo . Ikhusela ngokulahleka okanye umonakalo obangelwa ukuchithwa kwemishini okanye izixhobo, njengefriji okanye ibheyili.
Iimbopheleleko ezibizwa ngokuba yiPropati
Iimbalo ezimbalwa zifikelela njenge-inshorensi yepropati nakuba zibandakanya ukunyanzeliswa kwemfanelo. Umzekelo ngumshuwalense wemfanelo yomthetho. Olu khuselo lukhusela abaqeshi ngokuchasene nezigwebo ezifakwe ngabanikazi bezindlu ngenxa yokulimala kwengozi kwipropati eqeshwe. Ubume bokubambiswa kwezomthetho kunamacandelo omabini kunye nomshuwalense wepropati. Ikhusela umonakalo apho i-inshurensi ityala ngokusemthethweni ngenxa yokulahlekelwa ngokusemthethweni kwipropati. Ukuze ilahleko ikhutshwe, kufuneka ibangele umonakalo obangelwa ngengozi ngenxa yezizathu zokulahleka (ingozi).
Njengomgaqo-mboleko, i-inshorensi yemfanelo yezomthetho iquka iindleko zomshuwalense okhuselekileyo ekukhuseleni i-inshorensi emthethweni. Ezi ndleko, ezibizwa ngeNtlawulo ezongezelelweyo , zifakwe kwongezwa kumda wenkqubo.
Bond assuredly
Ubhonkco obunqwenelekayo abufanelekanga ukuba yipropati okanye ukuxhatshazwa. Iimbopheleleko eziqinisekileyo ziqinisekisiwe zentsebenzo, kungekhona iinshorensi. Kufuneka bathengwe kwi-surety, kungekhona umshwalense. Nangona kunjalo, ezininzi iimpahla / i-inshorensi yecala libonelela ngeekhontrakthi ngokusebenzisa iinkampani ezincinci ezisebenza njengeziqinisekiso.