Izenzo ezimbi eziphakamisa iindleko zakho ze-Inshorensi

Iindlela ezilishumi eziphezulu zokunyusa iindleko ze-inshurensi ze-Intshumo

Izenzo ozithathayo, okanye ukuhluleka ukuthatha, kunokunyusa iindleko ze-inshorensi yakho. Nazi izinto ezilishumi inkampani yakho akufanele iyenze ukuba awufuni ukuhlawula iiprayimari eziphezulu kwinshuwalense yoshishino.

1. Ukuhluleka ukubonelela ngoqeqesho oluqhubekayo Akukho shishini lithethileyo. Ukuqhubela phambili kwezobuchwepheshe kukhokelela ekutshintsheni kwizixhobo kunye neenkqubo. Utshintsho lwezenhlalakahle, ezopolitiko okanye zomthetho lungabangela ubungozi obutsha. Ukugcina ingqalelo kwezi nguqu, abasebenzi bafuna uqeqesho oluqhelekileyo. Abasebenzi abaqeqeshwe ngokungafanelekanga bangabangela izingozi ezibangelwa ukulimala endaweni okanye ukuxhatshazwa. Amava amatyala angamahlwempu athetha iiprayimari eziphezulu kwixesha elizayo.

1. Ukuhluleka ukugcina ukhuseleko lwendawo yokusebenza Uninzi lwezingozi zeendawo zokusebenzela, ezifana nezihlunu, ukuhamba nokuwa , kulula ukulawula. Xa ishishini lilahla ukukhuselwa kwendawo yokusebenza, ukulimala emsebenzini kuya kwenzeka. Abaqeshi banyanzelekile ngumthetho wasemthethweni ukuba bahlale kwindawo ephephile emsebenzini. Abo bangenazo izigwebo (kuquka iintlawulo) ngu- OSHA . Umqeshi onembali yokulimala kwendawo yokusebenza kunye nokungahambisani nemithetho yokhuseleko uya kuhlawula ngaphezulu i- inshurensi yembuyekezo yomshuwalense .
2. Ukuhluleka ukugcina iirekhodi Ukugcinwa kwengxelo efanelekileyo kubalulekile kwimeko yoshishino namhlanje. Imisebenzi enjengokuqeqeshwa kwabasebenzi kunye nokugcinwa kwezixhobo kufuneka zibhalwe. Ngaphandle kwamaxwebhu afanelekileyo, unokuba nobunzima obubonisa ubungqina bomshuwalense wakho, i-OSHA, okanye inkundla yokuba le mi sebenzi yenziwa. Iqumrhu eligcina iirekhodi ezilungileyo linokuhlawulwa ngezaphulelo kwiimali-mali ze-inshorensi.
3. Ukuhluleka ukuthenga i-inshurensi Abanini-bhishini banenkolelo yokuba le inshurensi yangaphambili yindlela efanelekileyo yokugcina imali. Kutheni ufanele uthenge i- inshorensi yemfanelo ebanzi xa kungekho zibhengezo okanye izibophezelo ezifakwe kwiqumrhu lakho kwixesha elidlulileyo? Enyanisweni, ukungakwazi ukuthenga i-inshorensi yemfanelo kufana nokugembula kwikamva lakho. Ukongezelela, izikhewu ekugqibeleni zingenza ungathandeki kubashubhe. Iinkampani ze-inshurensi zifuna ukuqinisekisa ama shishini anesigxina esicacileyo sokuqhubeka. Xa uthenga i-inshorensi, unakho ukuhlawula ngakumbi umgaqo-nkqubo wakho kunokuba ibhizinisi elifanayo lihlala likhuselekile.

1. Ukuthengwa kwe-inshorensi engonelaneleyo Xa kuthengwa i-inshurensi kungcono kunokuthengwa nanye, abanini bezoshishino abanokwenza imali kwi-inshurensi banokubeka inkampani yabo engozini. Inkampani ethenga kuphela umda osemthethweni we- inshorensi yemfanelo yemoto ithatha ithuba lokuba ayiyi kuba nelahleko enkulu. Inkampani ehluleka ukuqinisekisa ngokwaneleyo ipropati yayo yeshishini ingaxhomekeke kwisigwebo se-coinsurance xa ixhasa ukulahlekelwa kwepropati . Isohlwayo se-underinsurance sinokudlula i-premium yeproprium eyongezelelweyo iqumrhu elingazama ukuliphepha.

1. Ukunyamekela ingozi ethile Ezo shishini ngalinye lijongene nemingcipheko ngenxa yendawo yalo ndawo. Ubungozi obunjalo bunokubandakanya iinyikima, ukukhuphuka komhlaba , i- sinkholes , izivunguvungu nezinye izinto zendalo. Eminye ingozi, njengezimbambano zomntu kunye nokweba ngemoto , zixhaphake kwezinye iindawo kunezinye. Xa umngcipheko welahleko ukhulu, i-premium ukuqinisekisa ukuba ishishini lakho kulo mngcipheko luya phezulu. Inkoksi yomshuwalense yokuzamazama komhlaba iya kuba yindleko xa ibhizinisi lakho liseCalifornia kunokuba lifumaneka eFlorida. Sekunjalo, kubalulekile ukuqaphela iingozi ezikhoyo kunye nokukhusela ishishini lakho. Akunangqondo ukucinga ukuba ilahleko "ayiyi kwenzeka kum."
2. Ukuziqinisekisa ngaphandle kwemithombo eyaneleyo yemali Umnini-shishini ofuna ukunciphisa ama-premium angabheka i-inshuwalense njengendlela elula yokulungisa. Le mpazamo. Akukho shishini kufuneka liqinisekise ukuba nayiphi na ingozi ngaphandle kokuba inezibonelelo ezifanelekileyo zemali ukuhlawula ilahleko ezibangelwa kuloo mingcipheko. Amashishini anqwenela ukuzibophezela ngokuzibophezela kwabo kufuneka bahambisane nemithetho kaRhulumente. Uninzi lwamazwe luchaza inani elincinci leemali umqeshi kufuneka alondoloze njengendlela yokugcina isohlwayo. Le mali ingaba yanele ukufihla ilahleko enkulu. Emva kokuba unqume ukutshintshela kwiprogram eqinisekisiwe ngokupheleleyo, unakho ukuhlawula ngaphezulu i-inshurensi kunokuba ungenjalo.

1. Ukungaphumeleli ukuthobela imithetho yomsebenzi Wonke amashishini kufuneka ahambisane nemithetho yombuso, karhulumente kunye nendawo yengqesho. Naliphi na umzamo wokukrazula le mithetho ingaba yiphutha elibi. Ngokomzekelo, inkampani yakho inokuthi ibe phantsi kohlwayo xa ilahlekisa abasebenzi abathile njengontontiya ezizimeleyo ukwenzela ukunciphisa ama-premiums premium. Ngokufanayo, kuya kuba phantsi kweentlawulo okanye izigwebo xa zenza ngendlela ecacileyo okanye ziqesha abasebenzi abangekho mthethweni.
2. Ukuqeshwa kwiikontraka ezingabincediswanga okanye iinkontrakta Ukuqeshisa iikontraki okanye iinkampani ezingaphantsi kwee-insured kungenakungozi. Ukuba kwenzeka ingozi apho umntu akalimele, ilungu elenzakalisiweyo lingajonga i-firm yakho njenge "ipokotho ejulile". Ngaphezu koko, iikontraki zinokunyanzeliswa ngumthetho ukubonelela ngeenzuzo zempiliso yabasebenzi kwabasebenzi abalimele be-subcontractors abangaxhaswanga.

1. Ukuhluleka ukuthenga i-inshorensi evela kumgcini-mboleko ohloniphekileyo Musa ukuthenga i-inshorensi ngaphandle kokukhangela inkampani yomshuwalense . Khetha i-insurer ungazinamathela kwixesha elide. Uya kuhlawula ngaphezulu i-inshurensi ukuba uqhubeka ushintshe ukusuka kumnye umshwalense kwenye.

Inqaku elihlelwe nguMarianne Bonner

.