ULloyd's Marketplace
ULloyd waseLondon akayinkampani yomshuwalense. Kunoko, i-marketplace apho abathengi abathengi kunye nabathengisi beza kunye. ULloyd waqala njengendlu yekhofi kwi-1600s. Abaphathi beenqanawa, abanini beenqanawa, abahwebi kunye nabanye abanomdla wokuthunyelwa kwintlanganiso edibeneyo kwindlu yekhofi ukuthenga okanye ukuthengisa izinto ezibizwa ngokuba yi- inshurensi ye-cargo yomshuwalense .
Le mihla, abadayisi kunye nabancinci badibanisa kwisakhiwo seofisi yeLloyd kwiLime Street eMpuma yeLondon yaseLondon. U-Lloyd ngoku uyingcambu enkulu yokuthenga nokuthengisa iintlobo ezahlukeneyo zeengxelo, kungekhona nje inshuwalense yolwandle.
Igama elithi Lloyd linentsingiselo ezimbini. Enye i-marketplace apho abadayisi kunye nabangaphantsi kweenkonzo badibana ukuba benze ishishini. I-Lloyd nayo ithetha iNkampani yeLloyd's, inkampani ejongene nemarike yemarike yomshuwalense. I-corporation iqinisekisa ukuba ii-syndicates ziyimali efanelekileyo kwaye i-marketplace isebenzayo ngokufanelekileyo.
Abadlali
Indawo ye-market yeLloyd ibandakanye inxaxheba abahlanu abalulekileyo. Ezi ziquka ii-syndicates, i-agent agents, abadayisi, abagcini be-cover, nabathengi bomshuwalense.
1. Abadibeneyo
Iingqungquthela ziyi-backbone ye-Lloyd's marketplace. I-syndicate isebenza njengenkampani yenkampani yomshuwalense encinane, ecinga ingozi kunye nokuhlawulwa kwamabango. Iqumrhu ngalinye lenziwe ngumntu omnye okanye ngaphezulu, onokuba ngabanye okanye kwiinkampani.
Amalungu anikezela ngezimali ezinkulu ezivumela ukuba i-syndicate isebenze. Iqumrhu ngalinye lijolise kwiinkalo ezithile ze-inshurensi. Ngokomzekelo, elinye iqumrhu lingagxininisa kwi- inshurensi yepropati yoshishino , ngelixa omnye ubhala phantsi kwaye uxanduva lwe-auto insurance.
Xa ama-syndicate kaLloyd acinga ingozi, asebenza ngokubhaliselwa .
Oku kuthetha ukuba i-syndicate nganye ithatha kuphela iphesenti yengozi nganye. Kwezinye iimeko, i-syndicate inokucinga kuphela isixa esincinci (njengenye yepesenti okanye ezimbini) yengozi. Kwabanye, kungathatha i-chunk enkulu, njenge-25% okanye i-50%.
Umzekelo, uBill uceba ukuthumela umthwalo weekhompyutheni ezivela eIndiya ukuya e-US Ukuthunyelwa kuxabiswa kwiidola ezili-15. UBill othetha naye umthengisi, ofumana iinshurensi yecandelo egameni lakhe ngoLloyd's. I-inshurensi yeBill yenziwe phantsi kwe-15 syndicates. I-syndicate nganye ithatha i-$ 1 yezigidi kuphela okanye i-1/15 okanye yengozi. Iintlanganisi ziye zanciphisa ukukhanya kwazo ngenxa yokulahleka ekubeni nganye ithathe inxalenye encinci (6 .67%) yengozi.
2. Abaphathi abaLawulayo
Abaphathi bee-Agent basebenza egameni lamashishini, bejongana nemicimbi yabo yoshishino yemihla ngemihla. Baqeshwe kwaye bahlolisise ababhali be-underwriters, abaguquleli bamabango , i-akhawunti kunye nabanye abasebenzi abalulekileyo. I-arhente yokulawula ingayamela kwelinye iqumrhu. Kwezinye iimeko, i-arhente yokulawula inokuba yinkampani efanayo enika inkunzi kwi-syndicate. Abaphathi abakhethiweyo bakhetha kwaye bajongise abagcini-mboleko.
3. Amatyala
Abanini-mboleko be-inshurensi basebenza njengabaphathi phakathi kwabathengi abathengi kunye namaqumrhu. Ukuqhuba ishishini kwi-marketplace yeLloyd, umthengisi kufuneka avunywe yiCandelo likaLloyd.
Nangona ii-brokerage zeLloyd ezininzi ziseLondon, ezinye zifumaneka kwamanye amazwe. Uninzi lwee-inshurensi ezinkulu ze-inshurensi zenza ishishini kwi-marketplace yeLloyd, ngokuqhelekileyo ngeenkampani ezincedisayo.
Qaphela ukuba umthengi we-inshurensi akakwazi ukuthetha ngokuthe ngqo nomthengisi weLloyd. Kunoko, kufuneka asebenze ngomthengisi okanye ummeli wendawo, oya kumnxibelelana nomthengisi kaLloyd egameni lomthengi.
4. Abafaki
Ngelixa ubuninzi bezoshishino ezibhalwa ngamashishini ziveliswa ngabathengisi, ezinye zivela kubanini-mali. Umgcini-mboleko yinkampani ebeka ingozi egameni lomphathi olawulayo. Abafaki bezikhuseleko basebenzisana phantsi kwamagunya anqamlekileyo anikwe wona ngokulawula ii-agent. Ububanzi beli gunya buhluka. Abanye abanikeli begunya banikwe igunya lokukhupha amaxwebhu afana ne- inshorensi kunye neziqinisekiso ze-inshurensi .
Basenokuba negunya lokuqokelela ama-premiums nokuhlawula amabango.
Ngokubambisana nabanini-mali, i-Lloyd yokulawula i-agents ingasebenza kwihlabathi lonke ngaphandle kokumisela i-ofisi yendawo. Ngokomzekelo, cinga ukuba i-ejenti yokulawula e-UK igunyazisa umgcini-mboleko e-US ukuba abophe i-inshorensi ye-inshorensi ye-US. Inkontileka yayo kunye nomgcini-makhonkco unika i-ejenti yokulawula ukwenza ishishini e-US ngaphandle kobukho bobukho khona. Kwamanye amazwe amazwe anikezelwa ngabagcini-zimali abizwa ngokuba nokulawula i-arhente jikelele okanye ii-MGAs.
5. Abathengi bamashishini
Uninzi lwabanini bezoshishino banokufumana i-inshorensi efunwa yi-inshorensi "rhoqo". Nangona kunjalo, amanye amashishini angabonisa ukubonakaliswa okungaqhelekanga okanye okusemngciphekweni ukuba abaqinisekiso bendabuko abafuni ukuqinisekisa. Imizekelo yinkampani yokupakisha, abaqhubi be-diving, kunye neenkampani zokuloba ezindala. Izivumelwano zakwaLloyd ziyakumelana neengozi ezinjalo.
Ukuba ummeli wakho womshuwalense wendawo okanye umthengisi akakwazi ukufumana inqaku egameni lakho kwimarike efanelekileyo, unokuqhagamshelana nomthengisi womgca ogqithiseleyo onokufikelela kwindawo yeemakethe yaseLloyd. Ngaphandle koko, i-arhente okanye umthengisi wakho unokufumana indawo yomrhwebi kaLloyd ngokusebenzisa isixhobo sokubukeka kwiwebhusayithi yeLloyd. I-ejenti yakho yendawo iya kusebenza kunye nemirhumo ye-surplus okanye umthengisi weLloyd ukuze ufumane inqaku egameni lakho.