Ukuthathwa kweengozi
Abatshutshisi basemashishini ekucingeni ingozi.
Xa umgcini-inshurensi uphatha isivumelwano se- inshurensi, uyavuma ukuthatha ingozi ethile egameni lomnini-nkqubo ukuba atshintshe i-premium. Abatshutshisi banquma ukuba yiziphi iingozi zokucinga ngokusekelwe kwiziganeko. Benza imali ngokuqinisekisa inani elikhulu labaphathi-nkqubo abanemimiselo efanayo kunye neendlela ezincinci zokuvelisa ilahleko.
Ukuze uhlale ushishino, umgcini-mali kufuneka ahlale ekhethekileyo malunga neentlobo zeengozi ezithathayo. Ngaphandle koko, inokuhlawula imali engakumbi kwiibango kunye neendleko kunokuba iqokelela kwiiprayimari. Ukuba ingeniso yezolimo-mali ayifuni i-shortfall, i-insurer ingaba yintsholongwane.
Umshurensi ngamnye unquma ukuba yiziphi iintlobo zemingcipheko efuna ukuyiqinisekisa kwaye zeziphi iingxelo ezifuna ukuzithengisa. Xa sele igqibile kwisicwangciso-mali, i-insurer idala imithetho yokubhala phantsi. I-insurer yomgcini-mali kufuneka ilandele le mithetho xa ukhetha abafakizicelo kunye nemigaqo-nkqubo yokuvuselela .
Yiyiphi i-Underwriters Ifuna
Xa ufaka isicelo se-inshorensi yoshishino kwi-insurer, umgcini-phantsi uya kuhlola ingozi yenkampani yakho.
Kumntu obhalwe phantsi, umfaki-sicelo we-inshorensi ubonisa umngcipheko weebango ezizayo. Umgcini-phantsi uzakuhlalutya ibhishini lakho ukulinganisa ukukhutshwa kwayo kwixesha elizayo. Ukuba ishishini lakho lidibana nemigangatho yokubhalisa umgcini-mali, umgcini-phantsi uya kukhupha umgaqo-nkqubo.
Abasemagunyeni base-inshurensi basebenzisa bobabini ulwazi olujoliswe kuyo kunye nokuziphendulela xa behlaziya izicelo zomshuwalense
Imizekelo yenkcazelo yenkalo ibandakanya i- worksheet yakho yephepha lokusebenzela , umlando wakho webango, kunye neengxelo zemoto. Umzekelo weenkcukacha ezizimeleyo yinkcazo kwi-inshurensi yakho yesicelo ngumbutho wakho womshuwalense ochaza ukuba isakhiwo senkampani yakho sisesimweni esihle kakhulu.
Umgcini-phantsi angayifumana ingcaciso kunye nenjongo yokuziphendulela malunga neshishini lakho ukusuka kumthombo omnye. Ngokomzekelo, ukuba umgcini wakho womshuwalense uqhuba ukuhlolwa kwendawo yakho. Ingxelo ibonisa ukuba isakhiwo sakho sinophahla lwentsimbi (inyaniso enyanzelisayo) kwaye ukuba izinto zakho zokugcina indlu ziyanelisayo (iimbono ezithobelayo).
Ziziphi iinkalo zeshishini lakho abenza phantsi kweengxelo abajonga ngayo xa bebeka ingozi yenkampani yakho? Impendulo ihluke ngokuthe ngqo kwindlela yohlobo lomshuwalense oyifunayo. Ngokomzekelo, umphathi wepropati uza kuqwalasela ukwakhiwa kokwakhiwa kwakho, indawo yokuhlala, ukhuseleko kunye nokukhutshwa ( COPE ). Umgcini wezithuthi ezizenzekelayo uya kuhlola iirekhodi zabasebenzi bakho zokuqhuba. Kukho nenani lezinto ezithengiswa ngabathengi bentengiso kungakhathaliseki ukuba luhlobo luni le-inshurensi oyithengayo. Nazi ezinye izibonelo:
- Indawo yoshishini lakho
- Imbali yokulahlekelwa yenkampani yakho
- Ubume bemisebenzi yeshishini lakho
- Inani leminyaka yakho iqinile sele iseshishini
- Intengiso yonyaka okanye ingeniso evela kwishishini lakho
- Uluhlobo lwenkqubo yezoshishino (yedwa umnini-mhlaba, inkampani njl.
- Ingaba iqumrhu lakho linenkqubo yo khu seleko
- Igama le-insured yakho yangaphambili
- Ingaba nayiphi na i-inshorensi inqatshelwe, ikhanseliwe , okanye ingahlaziywa kwiminyaka emithathu edlulileyo
- Ingaba wena okanye nayiphi na inqununu yenkampani inikwe ityala okanye inetyala lokukhwabanisa, ukuhoxiswa okanye ukutshiswa
- Ingaba unayo nayiphi na imoto engavumelekanga okanye ukuphulwa kwekhodi yekhuseleko
- Enoba uhlupheke nayiphi na intsalela, ukuchithwa okanye ukubuyisela emva kweminyaka emi-5 edlulileyo
Ukunciphisa Ingozi Yakho
Kukho izinto ezininzi ongayenza ukuze unciphise ingozi yenkampani yelahleko. Ezi cwangciso zokunciphisa ubungozi zingenza ibhizinisi lakho likhangeleke nakabakhweli.
Banokukunceda ukunciphisa ama-premium akho.
Enye inyathelo ebalulekileyo kukuseka inkqubo yenkqubo yokukhusela (ukuba inkampani yakho ayinayo enye). Qhagamshelana ne-inshurensi yakho ukuba ufuna uncedo olusetyenzisiweyo lwenkqubo yakho. Fundisa abasebenzi bakho malunga neprogram yakho xa sele ikhona. Bakhuthaze ukuba bancede unyanzele.
Okwesibini, qiniseka ukuba indawo yokusebenzela ihambelana nayo yonke imigangatho esebenzayo ye- OSHA . Ukuba unemibuzo malunga nemigangatho, qhagamshelana ne-arhente ukuze uncediswe. Kufuneka ujonge kwakhona ukusebenzisa ii- OSHA izibonelelo ezikhululekile kuma shishini amancinci. Ngokomzekelo, unokucela i-OSHA ukuba ulungiselele ukuhlolwa kokukhululeka kokuphepha kwendawo yakho. Unokucela kwakhona ukuhlolwa kweengozi yempilo ka-NIOSH.
Indlela yesithathu yokunciphisa ingozi yenkampani yakho kukucela iingcebiso ezivela kwisebe lakho lokulawula umngcipheko. Ummeli wolawulo lomngcipheko angatyelela indawo yakho kwaye anikele ngeengcebiso malunga nezindlela zokunciphisa izingozi. Mamela iluleko uze wenze nayiphi na inguqu enokuyenza.
Isicwangciso sokunciphisa ukulahleka kwesine kukuhlalutya amabango akho angaphambili. Cinga indlela ezenzeke ngayo izingozi kunye noko ungayenza ukuze uziphephe. Emva koko, yenza nayiphi na inguqu efunekayo ukuze ugweme ukulahleka okufanayo kwixesha elizayo. Ngokomzekelo, cinga ukuba omnye wabasebenzi bakho usuphelile imoto yegibeli xa eqhuba isithuthi seenkampani. Xa kwenzeka ingozi, umqeshwa wakho wayethetha kwifowuni. Unokukunceda ukukhusela izingozi ezizayo ezibangelwa ukushayela okuphazamisekileyo ngokuthintela abasebenzi ukuba basebenzise iifowuni zabo ngelixa beqhuba isithuthi.