Ukugcinwa koMngcipheko
Ibhizinisi likhetha ukugcinwa kwe-self-insured ngoba sele likhethe ukugcina ingozi.
Icandelo lishishino ligqiba inani lemngcipheko, ngokwemali, kunye neentlobo zengozi efuna ukuyigcina. Emva koko kudala isikhwama sokuhlawula ilahleko ezibangelwa kuloo mingcipheko. Nasi umzekelo.
I-Idyllic Inn yihotele enkulu ehlala kwindawo edlalwa ngabakhenkethi. Ihotele inokuthi ibangele amabango amaninzi ngonyaka. Zininzi zifakwe ziziindwendwe eziye zazinzakalisa izingozi kwi- slip-and-fall accidents . Uninzi lwamabango alincinci, kodwa ihotele iye yabandakanyeka ezimbalwa ezidlula i $ 50,000.
I-Idyllic Inn inesiqinisekiso ngaphantsi komgaqo-nkqubo ojongene noxanduva olunemali ene-$ 1 yezigidi. Ihotele ikhethe ukugcina ilahleko ezithile ukwenzela ukunciphisa indleko yomshuwalense wayo. Ngaloo ndlela, umgaqo-nkqubo we-Idyllic wemfanelo uquka i-$ 100,000 yokugcinwa kwee-insured. I-firm iqulunqe i-fund yokuhlawula amabango enyathelo. Ukuba ibango lenzeke, ihotele kufuneka ihlawule umonakalo ukuya kwi-100 000 yenani lokugcina.
Ukuba umonakalo ungadluli i-$ 100,000, i-Idyllic ye- insurer yomthwalo-mboleko iya kuhlawula imali eseleyo, ukuya kumda we-$ 1 wezigidi zomgaqo-nkqubo.
Ukugcinwa kwe-insured kungaba yinto ebalulekileyo yecwangciso lolawulo lomngcipheko . Nangona kunjalo, itholakala kuphela kubaqeshi abaphakathi okanye abakhulu. Abaqeshi abancinci abanalo imali yokuhlawula ilahleko ezinkulu ngaphandle kwepokothini.
Imithetho kaRhulumente
Ezinye zithi zinciphise ukusetyenziswa kwe-self-insured njengendlela yokutshintshela iintlobo ezithile ze-inshurensi. Amaninzi amaninzi avimbela amashishini ekusebenziseni i-SIR endaweni ye- inshorensi yemboleko yemoto ngaphandle kokuba bahlangabezana neemfuno ezithile. Ngokomzekelo, i-SIR ingavunyelwa kuphela ukuba ishishini linombolo ethile ye-autos (njenge-25). Ibhizinisi linokufuneka libone ubungqina bokhuseleko lwezezimali, njengemali okanye isitifiketi sediphozi. Kusenokufuneka kwakhona ukuba uthenge i-inshurensi yemfanelo ye-auto eyimfuneko.
Uninzi, kodwa kungekho konke, luchaza abaqeshi ukuba baqinisekise ukuba inxalenye yabo yimbopheleleko yokuhlawulwa kwabasebenzi nge -deductible okanye i-SIR. Ukusebenzisa i-self-inshurensi, umqeshi unokuba unyanzelekile ukuba afumane isitifiketi se-self-inshurensi evela kumagunya okuhlawula abasebenzi baseburhulumenteni. Kusenokufuneka kwakhona ukuba uthenge i-inshurensi yembuyekezo yonyango. Umshuwalense ogqithiseleyo uya kufuna ubungqina bokhuseleko lwezezimali, njengesibophelelo soqinisekiso okanye ileta yekhredithi. Ileta yekhredithi ikhutshwa yibhanki. Iqinisekisa ukuba imali eyabelwe ngumqeshi iya kufumaneka ukuhlawula amabango, nokuba ngaba umqeshi uya kuphazamiseka.
Ingaba isebenza kanjani
Nantsi indlela ukugcinwa kwe-self-insured kusebenza ngayo:
Okokuqala, uvavanya ingozi ye-firm firm's risk and determines the maximum amount that can sustain for loss one. Le mali iya kuba yi-SIR yakho. Ngokomzekelo, unquma ukuba iqumrhu lakho liyakwazi ukusingatha nayiphi na ilahleko engadluli kwiRandi 1 yezigidi. I-SIR yakho i-$ 1 yezigidi. Ukuba inkampani yakho ixhasa ukulahleka kwe-$ 870,000, iqumrhu lakho liza kulihlawula yonke imali kunye ne-insurer yakho ayiyi kuhlawula nto. I-insurer yakho ayinakubophelela ukuhlawula ekubeni ukulahlekelwa akudluli kwi-SIR yakho.
Emva koko, ishishini lakho lidala isikhwama sokuhlawula zonke ilahleko ezingaphantsi kwe-SIR. Ingxowa yakho kufuneka ibe yaneleyo ukufumana onke amabango oqokelela ngawo ngexesha lomgaqo-nkqubo. Kumele uqikelele ubuninzi belahleko okulindeleke ukuba uyenze ngeli xesha. Qaphela ukuba ukulahlekelwa kwakho okugqithisiweyo kunokugqithisa inani le-SIR yakho. Ngokomzekelo, mhlawumbi ugcina ilahleko ezimbini, enye i-$ 800,000 kunye enye ibe ngama-400,000.
Ukulahleka akudluli i-SIR yakho, kodwa kunye bafikelela kwi-1.2. Ukuba ubeke eceleni i-$ 1 yezigidi ukuhlawula ilahleko, uya kuba ngu-$ 200,000 mfutshane.
Isinyathelo sesithathu kukudala nokugcina imali yentlawulo yelahleko njengoko kufunwa ngumthetho. Imali yakho kufuneka ibanjwe kwingxelo echaphazelekayo. Ezinye izibonelelo ezizimeleyo ziquka umonakalo kuphela. Ezinye ziquka zombini umonakalo kunye neendleko zamabango. Ukuba i-SIR yakho ifaka iindleko zebango, unokuba noxanduva lokulungiswa kwamabango awela kwi-SIR. Unokuqesha umlawuli wesithathu ukuba enze lo msebenzi. Ngaphandle koko, umshwalima wakho unokulungelelanisa amabango kwaye ahlawulise iindleko zamabango.
I-SIR inokuxhomekeka kumda weRhafu okanye ngamnye Umda wokuNyaka . Umda wonyaka wonyaka ungasetyenziswa. Umda wecala ukhusela ibhizinisi lakho ukuba lithatha amabango amaninzi ngexesha lepolisi elingaphantsi kwe-SIR.
Ekugqibeleni, unokuba unyanzelekile ngumthetho ukuthenga umgaqo-nkqubo. Njengoko kuphawuliwe ngasentla, kunokufunwa ngokugqithiseleyo xa unesiqinisekiso sakho sokuzibophezela ngemoto okanye uxanduva lokuhlawulwa kwabasebenzi.
Izinzuzo ze-SIR
I-SIR inikezela ngezibonelelo ezininzi. Okokuqala, inokubonelela ngokugcina imali kwi-premiums yomshuwalense. Enye inzuzo kukulawula okuphezulu kwinkqubo yokulungiswa kwamabango . Xa ibango liwela ngaphakathi kwe-SIR, unokugqiba isigqibo sokuba ingawukhawuleza okanye uyasilwa enkundleni. Okwesithathu, uya kuba nefuthe lokulawula ilahleko kuba uya kubahlawula abaninzi babo usebenzisa imali yakho. Okwesine, ukuhamba kwakho kwemali kunokuphucula. Uya kuhlawula ilahleko njengoko kwenzeka ngaphandle kokubakhokha kwangaphambili nge-insumari ze-inshurensi.
Inqaku elihlelwe nguMarianne Bonner