Ukuhlawula iImali-mali ngokuqonda indlela iikhompyuthile ezibalwa ngayo
Ukubalwa kweNkulumbuso
Iimbuyekezo zeempesimali zeemali-mali zibalwa ngokusekelwe kule fomyula elandelayo:
ISIKHATHI X (PAYROLL / 100) X Iinguqulelo zoLwazi = I-PREMIUM
Kukho iinguqu ezimbini ezibalulekileyo kulo mlinganiso: izinga kunye namava okuguqulela .
Ukuqonda Umlinganiselo Wakho
Ukulinganiswa kwe-inshurensi yembuyekezo yomshuwalense kusekelwe kwinkqubo yohlengahlengiso . Abaqeshi kweli shishini elifanayo benza imisebenzi efanayo banikwa ukwahlula okufanayo. Ulwahlulo lunikezelwa liziko lokulinganisa. Ngokuxhomekeke kwimeko yakho, i-ofisi ingaba yiBhunga likaZwelonke kwiNkxaso-mboleko yeNkxaso-mali (NCCI) okanye i-agency rating rating. Ulwahlulo ngalunye lunikezelwa isantya. Izinga lokuhlaziywa kwabasebenzi libonisa ubungozi bomsebenzi, amathuba okuba abasebenzi baya kulimala emsebenzini. Eminye imisebenzi iyingozi kunezinye. Umsebenzi wokugubungela umsebenzi unobungozi ngaphezu komsebenzi weofisi. Ngaloo ndlela, izinga lomsebenzi wokuphahla liphezulu kakhulu kunezinga lomsebenzi wokubhala.
I-Premium Isekelwe kwi-100 ye-Payroll
Isici esibalulekileyo kwimilinganiselo yokuhlaziywa kwabasebenzi yimivuzo yakho yokuhlawula. I-payroll yakho iyahlula ngo-100, kwaye umphumo wanda ngezinga. Ngokomzekelo, cinga ukuba imali yakho yokuhlawula i-$ 500,000 kwaye izinga lakho liyi $ .15. I-payroll yakho (i-$ 500,000) ehlulwe yi-100 yi-$ 5,000. Izinga (i-$ .15) liphindwe ngama-5,000 ayi-$ 750.
Ukuqonda Umhleli wakho
Amava okuguqula iindawo ezibalulekileyo zokubala. Ingummeli wenani lokulahlekelwa kwenkcubeko yakho yenkampani xa kuthelekiswa nomyinge kwishishini lakho. Ukuba imbali yakho yokulahlekelwa ngumyinge, i-modifier yakho kufuneka ibe ngu-1.00. Ilahleko lembali elungileyo kunomlinganiselo uya kubangela ukuguqula okungaphantsi kwe-1.00. Ngokufanayo, i-modifier yakho iya kuba mkhulu kune-1.00 ukuba ilahleko lakho lembali libi ngaphezu kohlobo. Ngokuxhomekeke kwimeko yakho, i-modifier yakho ingabalwa yi-NCCI okanye i-office rating rating yakho.
Kwimfomula yokulinganisa ichazwe ngasentla, uyabona ukuba umguquleli wakho uninzi lwe-premium. Umququzeleli ongaphantsi kwe-1.00 uza kunciphisa i-premium yakho, ngelixa uguquleli olungaphezu kwe-1.00 uya kukwandisa. Cinga ukuba i-modifier yakho .90, i-payroll yakho i-$ 500,000, kwaye izinga lakho liyi-$ .15. I-premium yakho yokugqibela i-$ 675.
$ .15 X ($ 500,000 / 100) X .90 = $ 675
Khawuthethe ukuba uguquleli wakho ngu-1.1. Kwakhona, i-payroll yakho i-$ 500,000, kwaye izinga lakho liyi-$ .15. Eli xesha i-premium yakho yokugqibela ngu-$ 825.
$ .15 X ($ 500,000 / 100) X 1.1 = $ 825
Nciphisa i-Modifier yakho ukunciphisa i-Premium yakho
Ibhizinisi lakho alinakulawula ukulahlekelwa ngamava kwishishini lakho okanye amaxabiso abelwe kwizahlulo zakho.
Nangona kunjalo, unokwenza usebenze ukunciphisa ama-premium akho ngokuthatha amanyathelo okunciphisa umguquleli wakho.
- Yenza ukhuseleko kuqala Ngokugcina indawo ekhuselekileyo yokusebenza , kokubili kwaye uphume kwindawo yakho, unokukunceda ukunciphisa ukulimala kwabasebenzi. Ukuba kunokwenzeka, uhlahlo lwabiwo-mali lovavanyo lwangaphandle ukhuseleko kwaye luzalisekise utshintsho oluphakanyisiweyo. Umyalelo woqeqesho lokhuseleko lomqeshwa. Ngenxa yokuba i-modifier yakho ininzi kwi-equation calculation equation, ukuncitshiswa okuncinci kunokubangela ukugcinwa okukhulu.
- Ukuseka iNkqubo yokubuyela kwiNkqubo Iprogram yokubuyela emsebenzini kuya kunceda ukugcina abasebenzi abalulekayo ngelixa kunciphisa iindleko zamabango okuhlawulela abasebenzi. Le nkqubo yenzelwe ukubuya abasebenzi abalimele kwindawo yokusebenzela ngokukhawuleza xa bekwazi ukugula.
- Bhalisa kwiinkqubo ezixhaswa nguRhulumente zikarhulumente Ezinye iinkxaso zixhasa iinkqubo zokuphucula ukhuseleko ngokubuyisela ukunciphisa i-premium yakho yembuyekezo. Ngokomzekelo, iimbalwa ezimbalwa zibonelela ukunciphisa i-premium kubaqeshi abathatha inxaxheba kwiNkqubo yeeNdawo zokuSebenza ngeeMveliso eziNinzi. Buza i- insurer yakho isinxephezelo se-insurer malunga neenkqubo ezikhoyo kwimeko yakho.
- Yiba yinxalenye yeQela lokuBaluleka kweQela Ezinye iiprogram zinikeza izaphulelo ezinkulu kumaqela aqondwayo. Oku kubizwa ngokuba yiqela leqela. Ukuze ufanelekele iqela, ishishini lakho kufuneka libe neyona nto ibhetele kumlando wokhuseleko. Amashishini amasha akakwazi ukufaneleka. Qala ngoku ukuphumeza ingqondo yokuqala yokukhusela ngenjongo yokuba yiqela.
Ukuphonononga iziHlomelo zakho
Amashishini amaninzi ahlelwa ngokungafanelekanga kwimigaqo-mali yokubuyisela abasebenzi. Iiphoso zokubala zingabiza. Ngokomzekelo, cinga ukuba umncedisi wakho olawulayo uhlelwa njengomchweli njengoko eqeshwe yinkampani yakho yokwakha. Isilinganiso sembuyekezo sokusebenza komenzi wezinto ezichanekileyo siya kuba semkhulu kakhulu kunomyinge wabasebenzi benobhala. Ukuba ucinga ukuba iqumrhu lakho linikezelwe ukulungiswa okungafanelekanga, cela ummeli wakho we- inshurensi okanye umthengisi ukuba ahlolisise. Unokucela kwakhona ukuhlolwa kohlengahlengiso kwi-NCCI okanye kwi-office rating rating yakho.
Ukuhlaziywa kweePortroll
Iimbuyekezo zeempesimali zempesimali zisekelwe kwiziphumo zokuhlawula i-payroll kwixesha elikhoyo lomgaqo-nkqubo. Ukuba iziqendu ziphezulu kakhulu, i-premium yakho iya kuba phezulu kunokuba ifanele ibe. I-premium yakho iya kuhlengahlengiswa xa i- polisi yakho iphicothwe , kodwa uphicotho-zincwadi lungenakwenzeka emva kweenyanga emva kokuba ipolisi yakho iphelelwe. Awudingi ukulinda. Buza i-insurer yakho ukulungisa i-payrolls yakho ngoku.
Inqaku elihlelwe nguMarianne Bonner