Kutheni Unokuba Ufuna Uninzi LweeLines Broker
Bonke abagcini-bhankethi bamisela iiparameters malunga neentlobo zeengozi abazimisele ukuziqinisekisa.
Ininzi inqaba yokuqinisekisa ingozi eneempawu ezithile. Ngokomzekelo, abaninzi bomshurensi bencipha ukuqinisekisa ishishini
- Ngaba imbali ilahlekelwe yimbali.
- Ibandakanya kwimisebenzi engaqhelekanga, inobungozi, okanye nzima ukuyihlola. Imizekelo izakhiwo ezingabonakaliyo, amaziko okunakekelwa kwamalanga, iipaki zokuzonwabisa, kunye neendwendwe zegalufa.
- Ufuna uhlobo oluqhelekileyo lokubhengezwa. Imizekelo i-ambulance malpractice kunye ne-inshurensi yemfanelo yomshuwalense.
- Ngaba uphuhliso olutsha kwaye, ngoko, alukho umlando welahleko
Umrhwebi weeNdawo eziPhambili?
Umrhwerensi we- surplus (SL) ngumthengisi we-inshorensi oza kuxoxisana negalelo egameni lakho kwi-insurer (E & S). I-E & S i-insurers ngokukhethekileyo ekuqinisekiseni umngcipheko abaninzi abanomgcini-mboleko abayi kuwugubungela. Bayi-insurers abangenakuvunyelwa, oku kuthetha ukuba abanalo ilayisenisi kumazwe asebenza kuyo (ngaphandle kowabo basekhaya).
Ukubeka ishishini nge-inshurensi ye-E & S, umrhwebi kufuneka abe nelayisenisi yerhafu.
Umthengisi kufuneka abe nelayisenisi ephantsi yokuthengisa impahla kunye ne-inshorensi yecala . Umthengisi we-SL akajongani ngqo nawe (umgcini-mgaqo-nkqubo) kodwa wenza njengomlambeli phakathi kwe-arhente yakho okanye umthengisi kunye nenkampani yomshuwalense engabonakaliyo . Uninzi lwabatshali be-SL banokufikelela kumntu one-E & S okanye aphezulu, angabandakanya izivumelwano ezithile kwiLloyd yaseLondon .
Uphando olumandla
Uninzi lwamazwe ludinga i- arhente okanye umthengisi ukuba enze "uphando olukhutheleyo" ngaphambi kokuthintana nomthengisi we-E & S, oko kuthetha ukuba i-arhente okanye umthengisi kufuneka azame ukufumana inqaku kumthengi egameni elithile elichazwe ngabashurensi abaqhelekileyo. Xa inani elifunekayo labashurensi liyekile ukunika inkxaso, i-arhente okanye umthengisi angaya kwi-SL broker.
Imithetho kaRhulumente isoloko yenza izinto ngaphandle kwemigangatho engabikho kwiimarike eziqhelekileyo. Ngokomzekelo, cinga ukuba akukho bhorensi abaqhelekileyo baya kuqinisekisa i-studio ye tattoo. Ukuba unayo i-studio ye-tattoo efuna i-inshorensi, i-arhente yakho inokuvunyelwa ukuba ifune ukuxhaswa egameni lakho kwimakethi ye-E & S ngaphandle kokuqhuba uphando olukhutheleyo.
Ukufumana uMrhwebi weMida yeeNkcazo
Uninzi lwabatshali be-SL benza umsebenzi wokuthengiswa kwe-inshurensi ngokubanzi okanye urhulumente jikelele. I-brokerage ebanzi iyasebenza njengombonkco phakathi kwe-agent yakho yokuthengisa kunye ne-inshorers ye-E & S. Abadayisi beevenkile abanako ukuqala (ukubophelela) ukukhutshwa egameni lakho. Kunoko, bathumela isicelo esigqibeleleyo egameni lakho kwi-insurer ye-E & S. Umshuwalense unikeza inkcazo kumthengisi , owuthumela kwigosa lakho. Ukuba wena, umthengisi wakho kunye ne-inshurensi uyavumelana ngokubhengezwa kunye nexabiso, umgcini -bhuzinesi uyabangela inqobo .
I-binder ishintshwa ngumgaqo-nkqubo. Umthengisi othe xaxa unokuhlawula intlawulo yeenkonzo zakhe. Le ntlawulo ingafakwa kwi-premium yakho.
I-arhente jikelele yokulawula (i-MGA) yinkampani yomshuwalense ejonga ingozi kunye nemigqaliselo yemigqaliselo egameni lomshuwalense. Isivumelwano phakathi kwe-inshurensi kunye ne-MGA ichaza ububanzi begunya lokubhala phantsi kwe-MGA. Ukuba umthengisi wakho wokuthengisa uthembisa isicelo kumthengisi we-MGA, umthengisi anganika i-quote. Ukuba onke amaqela avumelana nokuxhaswa kunye nexabiso, umthengisi angabopha ukukhutshwa nokukhupha umgaqo egameni lakho.
Imboleko yoMthengisi
Nangona i-E & S i-insurers ingayithobeli imimiselo efana ne-insurers ejwayelekile, kufuneka ihlangabezane nemigangatho yemali eyisiseko esekelwe ngamazwe. Abaninzi bagcina uluhlu lwe "evunyiweyo" okanye "abafanelekileyo" be-E & S abaqinisekisayo abahlangabezana nale migangatho.
Uninzi lwe-E & S abaqinisekisiweyo abanalo ilayisenisi ngamazwe asebenza kuyo. Ngaloo ndlela, bakhululekile ukusebenzisa nayiphi na iifom zepolisi , amaxabiso, kunye neendlela zokukhetha.
Ininzi yomgaqo we-marketplace ye-E & S ijoliswe kwi-SL yabathengi. Imithetho yombuso ichaza ukuba yintoni abadayisi be-SL abangayenza kunye nendlela abaqhuba ngayo ishishini. Imithetho iyahluka ukusuka kummandla ukuya kummandla, kodwa ezininzi zinemfuno elandelayo jikelele:
- Ilayisenisi. Abathengi kufuneka baqinisekise kwaye bagcine iimvume ezifanelekileyo.
- Ukufakwa. Abathengi abakwazi ukufumana ingxelo evela kwi-E & S yomshuwalense ukuba loo ngxelo ifumaneka kwi-insurer eqhelekileyo ngokusebenzisa uphando olukhutheleyo.
- I-insurer Quality. Abathengi banokufumana i-coverage kuphela kwi-E & S bansherensi abakuloluhlu lukaRhulumente lwabaqinisekisi abavunyiweyo. Nangona kunjalo, abadayisi (kungekhona urhulumente) ekugqibeleni banembopheleleko yokuqinisekisa ukuba abatshutshisi be-E & S abenza ishishini banengqiqo ngemali.
- Ukwazisa. Abathengi kufuneka baxelele abaphathi-nkqubo ukuba i-E & S banshorensi ayinayo ilayisenisi ngurhulumente, kwaye ayigqitywa yingxowa-mali yesiqinisekiso sombuso.
- Ukugcinwa kwengxelo kunye nokubika. Abathengisi kufuneka bagcine iirekhodi zemigaqo-nkqubo, ii-premiums kunye nolunye ulwazi. Bamele benze ingxelo ngexesha elifanelekileyo kumagosa ahlukeneyo karhulumente.
- Ukuqokelela kweRhafu. Intlawulo yerhafu ekhethekileyo isetyenziswe kwimigaqo-nkqubo ekhutshwe yi-E & S inshorensi. Le rhafu iyahlawulwa ngabanikazi bamaphepha-nkqubo. Umthengisi kufuneka aqokelele irhafu aze abuyele kwilizwe.
UMthetho wokuTshintshiselwa koMgaqo-nkqubo ongabonakaliyo
Uninzi lwe-E & S batshengise imigaqo-nkqubo kwiindawo apho bengenayo ilayisenisi. Ngaphezu koko, abaninzi abathengi be-SL baqhuba ishishini ngaphandle kweendawo zabo zokuhlala. Kwixesha elidlulileyo, iimbambano zazivame ukuvela malunga nokuba yeyiphi na igunya elilawulayo kwi-SL broker. Kwakhona kukho iingxabano malunga nombuso onelungelo lokuqokelela irhafu yerhafu. Umthetho osisigxina owadlulileyo ngo-2010 usombulule le micimbi. Umthetho unelungelo loMthetho ongaguqukiyo kunye noNgeniso lokuQinisekiswa koMbuyekezo (iNRRA).
Ngaphantsi kwe-NRRA, kuphela i-home state insured ingafuna i-SL broker ukuba ilayisenise ukuthengisa i-inshorensi kwimeko. Ukongezelela, ipropati yomzi kuphela yeso sikolo inokuqokelela irhafu ye-premium tax.