Ezinye zeentlobo ezahlukeneyo zeenkampani zomshuwalense zibandakanya: imigca ephantsi, imigca engaphezulu, abathunjiweyo, abathengisi abazithengisayo, abafaki bekhaya, abaphambukeli, iinkampani eziphathekayo, iinkampani zentengiso, iLloyds yaseLondon kunye nokunye.
Nantsi inkcazo emfutshane nganye yeentlobo ezahlukeneyo zeenkampani zomshuwalense kunye neengcali ezikhethekileyo ezikhuselekile kunye nezinye iimpawu ezizodwa.
Imigangatho yeMigangatho
Umgca weendlela eziphathekayo njengokuba negama layo lithetha. Yinkampani yomshuwalense enelayisenisi yokusebenza nokuthengisa imizila ethile ye-inshurensi kwindawo ethile. Elinye igama kumigangatho ehamba phambili yithwala "izithuthi ezivunyelwe." Iirhafu ezihlawulwe ukukhawulelana nemigca ehamba phambili zilawulwa yibhodi karhulumente ye-inshurensi kwilizwe okanye apho linikezela khona. Ezi zithuthi ezivunyelweyo nazo zixhomekeke kwimithetho kunye nemingcipheko yelizwe apho ilayisenisi iqhuba khona.
Umgca weendlela ezihambayo kufuneka abe negalelo kwi-fund yesiqinisekiso semali. Le ngxowa-mali yesiqinisekiso ihlawula amabango anikezelwe ukuba inkampani yomshuwalense ibe yinto engabikho.
Iimitha ezingaphezulu
Elinye igama leenkampani zenkampani yomshuwalense yongxowankulu yinkampani "yeendleko zenkcitho".
Ezi ntlobo zenkampani zininzi ziqinisekisa ingozi ekhethekileyo njenge-inshurensi yomshuwalense ophezulu okanye abantu abasengozini ephezulu abangayi kuba nako ukufumana inkxaso ngeendlela ezisemgangathweni ngenxa yokubhaliweyo kwimiqathango okanye imiqobo. Umzekelo uya kuba ngumqhubi ophethe amatyekithi amaninzi okanye okunye ukuphulwa kwezithuthi okanye inkampani evulekileyo kwaye ingenaso isithuba sokuqala.
Abathinjwa
Ikampani yenkampani yomshuwalense yenkampani yomshuwalense yinto eqinisekisa ingozi yoshishino ethile okanye iqela labantu okanye uhlobo oluthile lomngcipheko njengokuthumela ( inshuwalense ye-transit ) kunye ne- inshurenti yemoto . Ngokomzekelo, ukuba ishishini lokuthutha alikwazi ukufumana ukuthengwa okuthengekayo ngexabiso lemarike yentsholongwane, ingaba yenze inkampani ukubonelela ngomshuwalense. Inkampani eyenzelwe ukubonelela i-inshorensi "inkokhelo" yenkampani yomzali.
Abadayisi abaPhezulu
Inkampani ethengisa ngokuthe ngqo yinto engasebenzisi ama-inshorensi kodwa ithengisa ngqo kumthengi womshuwalense. Zininzi zale nkampani zentengiso ngokuthe ngqo zineeofisi zasemaphandleni zendawo kunye nabameli beenkampani kodwa ubuninzi bezoshishino zenziwa kwi-intanethi okanye ngefowuni. Ngenxa yokuba umthengisi othe ngqo angasebenzisi ama-agent asekuhlaleni, umnini-nkqubo kufuneka asebenzelane ngqo nenkampani ukucaphula, ukuthenga umgaqo-nkqubo kunye nayiphi na inguqu efunekayo kumgaqo-nkqubo. Inqaku lokumisela ekusebenziseni umlobi womshuwalense othe ngqo ukuba ngaba umthengi womshuwalense uyaziva ekhululekile ukusebenzisana ngqo nenkampani yomshuwalense okanye ukuba ukhetha iinkonzo zakhe zomshuwalense wendawo yomshuwalense. Enye inkampani yomshuwalense ogqityiweyo wenkampani yomshuwalense yi-GEICO.
Lwasekhaya
Ikampani yomshuwalense wekhaya isebenza kwaye ilayisenisi kwimeko apho ilawulwa khona. Inkampani ingenalo ilayisenisi ukuba isebenze kwamanye amazwe kodwa ithathwa njengomphathiswa wabasemzini kulawo mazwe.
OMnye
Ikampani yomshuwalense yenkampani yomshuwalense ifakwe kwimithetho yelinye ilizwe. Ngokomzekelo, inkampani yenkampani yinshurensi ibandakanywa njengenkampani yase-United States kodwa isebenza eFransi iya kuthathwa njengomphathiswa wezilwanyana ngelizwe laseFransi.
Lloyds waseLondon
I-Lloyds yaseLondon igxile ekuqinisekiseni izinto eziqhelekileyo okanye eziphezulu zokubeka ingozi kwaye zibhalwa phantsi kwegunya lePalamente yeNgesi. Nangona iingozi zivame ukungaqhelekanga njengengxenye yomzimba wodumo okanye ingozi yeoli ye-offshore, "isitalato esona sikhulu" okanye ezinye iintlobo zemingcipheko eziqhelekileyo nazo ziqinisekisiwe.
Companies Mutual
Iinkampani zenkampani zilawulwa ngabanini-nkqubo abajongene nabanini-zimali kwaye banokufumana izabelo zokuhlawula i-dividend kwaye abanakho ukuhlawulwa ngenyuka kwi-premium ngenxa yelahleko.
Oku kungahluka ngenkampani. Inkampani eyaziwayo eyaziwayo yiLungelo lokuThutyana.
Iinkampani zeeShishini kunye nokuHlola okuNgezelelweyo
Iinkampani ze-Stock ziyimashishini kunye nabanikazi abanini-zimali kwaye basasaza imali eyongezelelweyo njengemali yentlawulo yabanini-mali. Ukongezelela, inkampani inokuthi ihlelwe njenge "monoline carrier" echaza ukuba ibhala kuphela umgca wenkcazo okanye "inkampani emininzi" ebhala imigaqo-nkqubo kwiintlobo ezahlukeneyo ze-inshurensi.
Oko kuthetha ntoni kuwe
Xa ukhetha ukuthenga i-inshorensi, unokwenza isigqibo sokuthenga umgaqo-nkqubo we-inshurensi kwi-arhente emele inkampani ekuthunjiweyo (njengeFama yeFama); okanye ngegosa elizimeleyo elimele iinkampani ezininzi. Unokukhetha kwakhona ukuthenga ipolisi yomshuwalense evela kumthengisi othe ngqo (njenge-GEICO) ngokuthenga i-intanethi okanye ngefowuni. Ukwazi okungakumbi malunga neentlobo ezahlukeneyo ze-inshurensi yinto enye ongayisebenzisa ekufumaneni ixabiso elifanelekileyo xa uthengi umgaqo-nkqubo.