Imbali
I-ISO iguqukile kakhulu ukususela ekuqaleni kwayo.
I-ISO yadalwa ngo-1971 xa ama-freeaus angama-freeaus ahlanganisiweyo kwaye adala inhlangano engenzi nzuzo yabanini-bhaki. Ngo-1993, i-ISO yayilungelelaniswe njengenkampani emele inzuzo. Ngo-2008, yakha inkampani entsha ebizwa ngeVerisk. I-ISO yaya kuluntu kulonyaka olandelayo kwaye yaba yinkxaso-mali epheleleyo yeVerisk. Njengenkxaso yenkampani karhulumente, i-ISO ayisayi kulawulwa ngabaqhorensi.
Ufuna i-ISO
Abaqinisekisi bahlakulela ireyithi ngokusekelwe kwiziphumo zokulahleka kwexesha elizayo. Bafumana idatha malunga nokulahleka kwangaphambili, kwaye basebenzise amathuba okuqikelela ukuba ilahleko ezizayo ziya kuba ziphezulu, ziphantsi okanye zifana nezo zenzeke ngaphambili. Ukulahleka kuya kuqikelelwa ngakumbi njengoko inani lemali landa. Okokuthi, i-insurers inokuqikelela ukulahleka kwexesha elizayo ngokuchanekileyo xa benesidingo esikhulu sokulahleka kwedatha ukusebenza nabo.
Ngelixa abanye abaqinisekisayo bangakwazi ukuqikelela ukulahlekelwa ngokuchanekileyo ngokusebenzisa idatha yabo yokulahleka, abaninzi abanako.
Uninzi lwabatshutshisi bancinci. Abakwazi ukuvelisa idatha eyaneleyo ngokwabo ukuze benze izibikezelo ezichanekileyo malunga namabango esizayo. Ngako ke, abaninzi batshorensi bathembela kwi-ISO yedatha.
Ukwabelana ngeDatha
I-ISO iqokelela idatha elahlekileyo evela kubaqhankqalazi abathengi iimveliso kunye neenkonzo. Aba bhokrisi babizwa ngokuba ngababhalisi be- ISO.
Unyaka ngamnye, abaxhasi babika ama-premium, ilahleko kunye neendleko zabo kwi-ISO. Abatshutshisi bahlula idatha ngohlobo lwezoshishino (uhlobo lokufikelela). Ngokomzekelo, umgcini-mali uya kunika idatha ehlukeneyo yepropati yoshishino , umonakalo ngokomzimba , kunye noxanduva oluqhelekileyo .
I-ISO isebenza yonke idatha eqokelela kwaye ibuye ithengise kubashubhe. Abatshutshisi basebenzisa le datha ukuhlola inzuzo yoluhlobo lwe-inshorensi nganye. Bajonga kwakhona ukulahleka kwemithwalo. Ukulahleka kunokunyuka kwezinye iintlobo ze-inshurensi nokunciphisa abanye.
Iindleko zokulahlekelwa
Kwixesha elidlulileyo, i-ISO isebenzisa i-premium nedatha yelahleko eyayiqokelelwa kubaqhorensi ukupapasha amaxabiso . Ababhalisi be-ISO basebenzisa loo maxabiso ukubala iiprimiyam. Namhlanje, i-ISO ipapasha iindleko zelahleko kunokuba zihlawulwe. Abaqinisekisi bafumana iirhafu zabo ngokusebenzisa ixabiso lokulahlekelwa kwedatha njengendawo yokuqala. Umshuwalense unako ukubala ireyithi ngokuqala ngeendleko zokulahlekelwa kunye nokongeza iintlawulo zeendleko zolawulo, irhafu kunye nenzuzo.
Ifom yePolisi
Enye into ebalulekileyo ye-ISO inikezela ngabatshutshisi ukubhala komgaqo-nkqubo. Ukudala iifom zepolisi emitsha ngumsebenzi obizayo, ochitha ixesha. Abatshutshisi bangawuphepha lo msebenzi ngokusebenzisa iifom ze-ISO zangaphambili. Bayakwazi nokuphepha ezinye zeengozi ezinxulumene nokubhala komgaqo-nkqubo.
Iipolisi eziqulunqwe ngabatshutshisi zingachazwa ngokwahlukileyo kwiinkundla kunokuba abaqatshelwe ngenjongo. Iifom ze-ISO zibonisa ukuba zikho iingcipheko ezimbalwa ngenxa yokuba ulwimi oluninzi lweelwimi luye lwahlaziywa ngeenkundla.
Uninzi lweefom zomgaqo-nkqubo ze-ISO zisetyenziswe njengomgangatho weshishini. Ezi fom zikhonza njengeenqobo zokuhlalutya nokuqhathanisa imigaqo-nkqubo eyenziwa ngabatshutshisi ngamnye. Umzekelo, ifom ye-ISO Commercial General Liability Protection Form ifom ye-industry standard for the coverage. Abanye abaqinisekisayo baye bavelisa iifom zomgaqo-nkqubo ezibanzi kunesimo se-ISO. Kwizinto zokuthengisa, aba bhorensi bavame ukugxininisa indawo apho ifomu labo libanzi ngaphezu kwefom ye-ISO ifom.
Abanye abatshutshisi banika inqubomgomo ye- inshorensi basebenzisa iifomu ze-ISO kunye nokuvumela "njengokuba" (ngaphandle kweenguqulelo).
Abanye abatshutshisi basebenzisa ulwimi lwe-ISO njengesiqalo sokuphuhlisa iifom zabo zomgaqo-nkqubo. Iifom ezininzi kunye nokuvumela okufumaneka kwindawo yeemarike ziqulethe inhlanganisela yolwimi oluqhelekileyo lwe-ISO kunye namazwi angabaniki-mali.
Ukulinganisa kunye neMithetho yokuBhala phantsi
Enye imveliso ebalulekileyo i-ISO inikezela ngabatshorensi nguMqulu weeNkcukacha zorhwebo. Le ncwadi ichaza imigaqo kunye nemiyalelo yokubhala phantsi kunye nokulinganiswa kwezibonelelo ezibonelelwa ngeifomu zomgaqo-ISO. Iqulethe izicwangciso ezihlukeneyo zorhwebo, uxanduva jikelele, kunye ne- inshurensi yepropati yoshishino .
Umqulu we-Commercial Lines usetyenziswe ngabo bobabini abasebenzisa i- inshurensi , kunye ne- inshorensi kunye nabarhwebi . Ichaza indlela iindlela ezahlukahlukeneyo ze-ISO ezisetyenziselwa ngayo. Ngokomzekelo, icandelo le-Auto Auto lichaza iintlobo zezithuthi ezingabhekiswa phantsi komgaqo-nkqubo womgaqo-nkqubo. Le ncwadana iqukethe iitheyibhile zokuhlelwa, imigaqo yokulinganisa , iinkcazo zengingqi kunye nemiyalelo yokubala iiprimiyam. Kwakhona kubonisa ukuba iziphakamiso ezithile kufuneka ziqhotyoshelwe kumgaqo-nkqubo wokongeza, ukususa okanye ukuguqula i-coverage.
Ezinye iiNkonzo
I-ISO inikezela ngeenkonzo ezininzi ngaphandle kwezi zichazwe ngasentla. Nazi izibonelo.
- I- ISO yeNgxelo yeMali inikezela ngemveliso ye-inshorensi ingasebenzisa ukufaka iirekhodi zazo zemali zonyaka ukuze zenze i-insurance regulators.
- AbaSebenzisi bokuXhobisa i- ISO inikezela izixhobo eziququzelela inkqubo yokufakela amaxabiso , imithetho, kunye neefom ukwenzela ukuba baphathe izigunyaziso zembuyekezo zabasebenzi .
- Uhlolo lweZakhiwo I- ISO yenza ukuhlola okwenyama kwezakhiwo eziphantsi komlinganiselo othile .
- Ukufumanisa Inkcazo I- ISO iqokelela idatha yebango kuma-inshorensi amaninzi kwaye igcina kwindawo egciniweyo. Ababhalisi be-ISO bangasebenzisa isiseko sedata ukuze bafumane ukukhwabanisa kwe-inshorensi eyenzeka kuyo yonke imboni.