Qinisekisa iShishini Lakho Ngomonakalo Womlilo
Ufuna ukuPhakanyiswa
Umlilo yimbangela enkulu yomonakalo wepropati. Ngo-2015, imililo eyi-1,345,000 yaxelwa eMelika ngokuya kuMbutho weSizwe woKhusela uMlilo. Le mililo yabulala abantu abangama-3,280 (ngaphandle kwabacimi bomlilo) kwaye yabangela i-$ 14.3 yezigidigidi kumonakalo wepropati.
Uninzi lwabantu abafayo ngokutsha komlilo zenzeke kwizakhiwo zokuhlala, ezibandakanya izindlu zentsapho enye okanye ezimbini, izakhiwo zezindlu, iihotele kunye nee-motels.
Umlilo ungonakalisa ishishini elincinci. Imililo ivelisa amalangabi, umsi, kunye nokushisa, nayiphi na eyonakalisa izakhiwo kunye neziqulatho zazo. Amanzi, i-foam kunye nezinye izinto ezisetyenziselwa ngabacimi bomlilo ukucima umbane zingonakalisa ipropati. Ibhizinisi elingenaso inshuwalense yomlilo kuya kufuneka lihlawule ukulungiswa okanye ukulungiswa kwipokoth. Kungakho kwakhona ukuhlawulela isebe lomlilo ngeendleko zokucima umlilo ukuba isebe lomlilo lendawo lihlawule iinkonzo zalo.
Ukuba inkampani ayinakho imali yokuhlawula ezi ndleko, kunokunyanzeliswa ukuyeka ukusebenza. Ngokuthenga inshuwalense eyaneleyo yomlilo, inkampani inokuphucula kakhulu amathuba ayo okusinda ekulahlekeni komlilo omkhulu.
Ukhohlakeleyo Ngomlilo Oqabane
Kwimashishini yomshuwalense, imililo ibalwa njengobungane okanye inzondo.
Umlilo onobungane nguye osekwe ngenjongo kwaye uhlala kwindawo ejoliswe kuyo, njengendawo yokucima umlilo okanye isitofu. Umlilo uba yintlonelo xa ibalekela kwindawo yayo. Ngokomzekelo, iilangatye ezisuka kwindawo yokushisa igesi zivutha igrisi echithekayo kwisitofu sokudlela. Umlilo uhamba udonga kwaye utshise uphahla lwesakhiwo.
Ininshurensi yepropati ibonakalisa umonakalo obangelwa yimililo enenzondo
Iingxowa-mali zoLimo
Kuze kubekho ikhulu leminyaka lemashumi amabini, amashishini akhusela ngokwawo ngokutsha komlilo kwizakhiwo nakwipropati yomntu ngokuthenga umgaqo-nkqubo womshuwalense womlilo. Ngama-1960, abaqhankqalazi baqala ukunikela ngemigaqo-nkqubo yeentengiso ezininzi. Le monakalo ebangelwa yimimandla engozi, njengesichotho nesiphepho, kunye nomlilo. Imigaqo-nkqubo ye-Multiperil yagqitywa kuma-1980 xa i- ISO ifake iifom ezitsha ezibhaliweyo ngolwimi olulula. Ezi fom zisasetyenziswa namhlanje. Ziquka umgaqo-nkqubo wepropati yoshishino kunye nomgaqo -nkqubo wabanini-shishini (BOP), uhlobo lomgaqo-nkqubo wephakheji .
I-ACV engafaniyo neendleko zokutshintsha
Iipolisi ezininzi zepropati zihlawula ilahleko ngokusekelwe kwixabiso langempela lemali (ACV) yepropati eyonakalisiweyo. Ixabiso langempela lemali libalwe ngokukhupha ixabiso lokunciphisa ipropati ukusuka kwindleko yalo yokubuyisela.
Ngokomzekelo, cinga ukuba isakhiwo sakho siqinisekisiwe ngexabiso langempela lemali. Isakhiwo siya kubiza i-$ 3 yezigidi ukubuyisela. Uneminyaka elishumi ubudala kwaye uye wahlaselwa ngama-500,000. Ixabiso lexabiso lexabiso lemali liyi $ 2.5 yezigidi. Ukuba uqinisekisa isakhiwo esekelwe kwi-ACV yakho, umgcini-mali wakho awuyi kuhlawula ngaphezu kwe-2.5,5 yezigidi xa isakhiwo sitshabalaliswa ngokupheleleyo.
Uya kufuneka ufike nge-$ 500,000 eyongezelelweyo yokwakha kabusha isakhiwo.
Ipropati yoshishino lomntu ifaka izinto ezifana nomatshini, izixhobo kunye nefenitshala yeofisi. Ipropati enjalo inokuba yindleko yokuthatha indawo. Unokukhusela ishishini lakho malunga neendleko ezinkulu ngaphandle kokufaka ipropati yakho kwipropati yokubuyisela indawo.
Ukuhlawulwa kweendleko ezihlawulwayo kuhlawula iindleko zokulungiswa kwepropathi eyonakalisiweyo okanye ukuyifakela kwipropati efanayo. Iindleko zokuxhamla ngaphezu kwekharityhulam esekelwe kwixabiso langempela lemali.
Ungagxininisi Impahla Yakho!
Njengabanini bamashishini abaninzi, unokucinga ukuba iiprimiyam zomshuwalense ziphezulu kakhulu. Mhlawumbi uye wacinga ukugcina imali kwi-inshurensi yepropati ngokuqinisekisa ipropati yakho ngaphantsi kwexabiso layo elipheleleyo. Le ngcamango embi!
Enye into, umgaqo-nkqubo wakho awuyi kugubungela yonke indleko yokulungiswa okanye ukutshintshwa kwepropati eyenziwa ngumlilo okanye enye ingozi.
Okwesibini, iipolisi ezininzi zepropati ziqulethe iigatya esivumelwaneni okanye isivumelwano se- coinsurance. Ezi ziqendu zibeka isohlwayo xa ungaphumeleli ukuthenga umda omncinane we-inshurensi ngokumalunga nexabiso lepropati yakho xa ilahleko ivela.
Ngokomzekelo, cinga ukuba umgaqo-nkqubo wakho wepropati uquka imfuneko ye-coinsurance ye-80 ekhulwini. Kucinga ukuba umgaqo-nkqubo wakho ubandakanya ilahleko ngokususela kweendleko zokutshintsha. Ukuba iindleko zokutshintsha kwezakhiwo zakho ziyi-$ 2 yezigidi, kufuneka uqiniseke isakhiwo sakho ubuncinane be-1.6 million yezigidi (iipesenti ezingama-80 zeedola ezimbini). Ukuba ilahleko ivela kwaye awukwazanga ukuthenga inani elifunekayo le-inshurensi, wakho umshwalense akayi kuhlawula inani elipheleleyo lelahleko. Uya kubambelela ukuhlawula inxalenye yalo ngokwakho.
Unokuphephela izigwebo zokungqiniswanga ngokuthatha amanyathelo:
- Qinisekisa ipropati yakho kwi-100% yexabiso layo.
- Hamba umntu onamava onokuvavanya ukuba uhlaziye ixabiso lepropati yakho njalo ngonyaka. Ithuba elifanelekileyo lokukwenza oku lusuku lokuqala lokuvuselela umgaqo-nkqubo.
- Ungaqinisekisi ipropati yakho ngokusekelwe kuhlalutyo lwerhafu lwepropati okanye uqikelelo olunikezwa ngummeli wakho womshuwalense .
Ngaphandle kwePropati
Imigaqo-nkqubo yepropati iqulethe ukungabikho kunye nemingcele esetyenziswa kwiintlobo ezithile zepropati. Ngokomzekelo, ininzi imigaqo-nkqubo ayifaki ukulahleka okanye ukulimala kumhlaba, iziseko zokwakha, nemali kunye nokukhuseleko . Abaninzi banikeza inani elincinci lokubhalwa kwamaphepha amanani, ubucwebe kunye nezityalo zangaphandle.
Imigaqo yepropati ibandakanyi neengozi ezingabangela umonakalo kwiintlobo ezithile zepropati. Iimzekelo ziphazamiseko zombane, ezingonakalisa iikhomputha kunye nedatha , kunye nokuphazamiseka kwemishini , okungonakalisa izixhobo zokusebenza. Ezinye zeengozi zingabhekiswa phantsi kwefom ehlukile okanye ukuvunyelwene kumgaqo-nkqubo.
Umvuzo Wentengiso
Xa ipropati yayo yonakaliswe kakhulu, inkampani inokunyanzeliswa ukunciphisa imisebenzi yayo okanye ukuvala yonke ishishini layo. Ukuvalwa okupheleleyo okanye okukodwa kunokubangela ukuba ishishini lilahlekelwe ngumvuzo okanye lenze iindleko ezingaphezulu. Ilahleko zentlawulo kunye neendleko ezongeziweyo azihlanganiswa yinshuwalense yomlilo. Ukuzikhusela ngokwabo, ishishini liyakuthengisa i- engeniso yezorhwebo kunye neendleko zokufumana iindleko ezingaphezulu .
Iikhowudi zokwakha
Amashishini amaninzi asebenza kwizakhiwo ezindala ezingahlangabezananga neendlela zokwakha zangoku. Imithetho yokwakha iyahluka ukusuka kummandla ukuya kwisizwe kunye nomzi ukuya kwisixeko. Ngokuqhelekileyo, izakhiwo ezikhoyo azidingeki zihlangabezane neendlela zangoku ngaphandle kokuba zihlaziywe okanye zakhiwe kwakhona. Ukuba isakhiwo sonakaliswe kakhulu ngumlilo okanye enye ingozi kwaye ilungiswe okanye ivuselelwe kwakhona, isakhiwo sinakho phantsi kweendlela ezikhoyo. Ukuphuculwa okufunekayo kunokubiza. Iindleko ezongeziweyo ezibekwe ngamakhowudi wokwakha azihlanganiswa phantsi komgaqo-nkqubo wendawo. Ukubaluleka kweendleko ezinjalo zifumaneka phantsi kwesikhokelo somgaqo .
Gqi beleni
Nazi ezinye iingcebiso zokugcina umgaqo-nkqubo wakho womshuwalense womlilo.
- Hlola umgaqo wakho ngonyaka. Qiniseka ukuba iquka zonke izakhiwo zakho kunye nazo zonke iindawo zakho. Hlola iilesi ezichazwe kumgaqo-nkqubo ukuqinisekisa ukuba zichanekile.
- Ukuba unayo izakhiwo ezininzi, qwa lasela u-insure phantsi komgaqo omnye kunye nomda weengubo . Omnye umgaqo-nkqubo uza kuba ungabizi ngaphantsi kwemigaqo-nkqubo ethile.
- Ukuqulunqwa nokugcina isicwangciso sokuthintela umlilo. Qeqesha abasebenzi bakho kumanyathelo abakufanele bathathe xa kwenzeka umlilo. Umshuwalense wakho unokubonelela isaphulelo kwenkqubo yokukhusela umlilo.
Inqaku elihlelwe nguMarianne Bonner