I-inshurensi yemoto sisihloko ukuba nawuphi na umnini-moto uyazi kakuhle. Nangona kunjalo, xa unenkampani apho kusetyenziswa khona iimoto okanye ezinye iintlobo zezithuthi zenkampani, zithwala i-inshurensi ekhethekileyo, ebizwa i-inshurensi yemoto yenkampani.
Kodwa yintoni i-inshurensi? Zeziphi iintlobo ezikhoyo? Banokubalwa njani? Ngaba kukho izibonelelo ezingaphezulu kune-inshurensi yemoto eqhelekileyo? Siza kukuchazela apha ngezantsi.
Yintoni i-inshurensi yemoto yenkampani
Ngokubanzi, i-inshurensi yemoto yenkampani yindlela yokukhusela oko isithuthi esinobuchule bokusebenzisa, Oko kukuthi, isetyenziselwa ukwenza umsebenzi. Ayifani ne-inshurensi yabucala, umzekelo le unayo kwimoto yakho okanye isithuthuthu, kuba ungayisebenzisi emsebenzini, kodwa kukuhamba, ukuzonwabisa ... ngamanye amagama, ukuzisebenzisa.
Olu hlobo lweinshurensi lunalo iimeko ezahlukileyo kunezo zaziwayo kunye neemfuno ezahlukeneyo Oko kuya kuxhomekeka kudidi olukhethiweyo (kuba kukho iindlela ezininzi). Kodwa ngaphambi kokuthetha malunga neentlobo zeinshurensi yemoto yeenkampani, kuya kufuneka uyazi Loluphi uhlobo lwezithuthi olunokukhuselwa ngale nto. Ngokubanzi, unokuqiniseka:
- Kwiimoto zenkampani. Oko kukuthi, iimoto ezihamba abakhweli ezisetyenziswa ngabasebenzi bakho okanye abaphathi beenkampani ukuze bakwazi ukwenza umsebenzi. Apha ungabandakanya iveni okanye iilori kuba zizithuthi ezisetyenziselwa ukuhambisa, ukuhambisa, inkonzo yezobugcisa.
- Oomatshini. Sithetha ngezithuthi zoomatshini, ezinokuthi zibe neinshurensi.
- Kwiilori kunye nezithuthi ezinzima. Zizithuthi, ngenxa yeemeko zazo, ezifuna i-inshurensi ethe kratya kubo.
- Kwiiflethi. Okokugqibela, unayo i-inshurensi yemoto yenkampani "yeeflethi", ukuqonda inani elikhulu lezithuthi kwinkampani. Umzekelo, kwinkampani yeebhasi, banokuba baninzi abagubungela iindlela ezahlukeneyo.
Iindidi zeinshurensi yemoto yenkampani
Kwiindlela zeinshurensi zeemoto zenkampani, sifumana iintlobo ezimbini:
I-inshurensi ngenqanawa
Zezinye zeenketho ezikhethwe ziinkampani kuba zibonakaliswa kukubandakanya zonke izithuthi zenkampani kwisivumelwano esinye. Ngale ndlela, uhlobo lweinshurensi esekwe kugqatso lukhethiwe, ukukwazi ukukhetha umntu wesithathu, ukongezwa komntu wesithathu okanye iinshurensi yomngcipheko.
Kwaye yeyiphi eyona nto ixhaphakileyo? Ewe, banokuba ziifestile, ubusela, umlilo ... Inyaniso kukuba iinkampani zinikwe ubhetyebhetye obukhulu kuba into emalunga nayo kukudala i-inshurensi egubungela iimfuno zesithuthi ngasinye.
Njengobunqabileyo, yile nto bonke abanemigaqo-nkqubo yezithuthi mabaqinisekiswe, Oko kukuthi, kuye wonke umntu onokuyisebenzisa ngaxa lithile. Nkqu nakwiiflethi zeenkampani eziqeshisa ngeemoto, kuyenziwa okufanayo.
I-inshurensi eyahlukileyo yenqanawa enye
Olunye ukhetho phakathi kweentlobo zeinshurensi yeenkampani kukuqinisekisa isithuthi ngasinye ngokokusetyenziswa kwaso. Baya kuba ngaphakathi kweenqwelo ezifanayo, kodwa nganye iya kuba neemeko zayo kunye nokugubungela.
Es ifana kakhulu neinshurensi nganye, kodwa ngezibonelelo ezithile, ngakumbi ukuba linani eliphezulu lezithuthi ekufuneka zikhuselwe nge-inshurensi. Ewe kunjalo, kwiimeko ezininzi bobabini umnini-polisi kunye nomnini we-inshurensi banguye "umntu" ofanayo, onokuba egameni lenkampani.
Indlela yokubala i-inshurensi yemoto
Ngaphambili, ukubala i-inshurensi yemoto kwi-inshurensi, kuye kwafuneka uye eofisini ukuze banike izimvo ngeendlela ezahlukeneyo, ezokugquma kunye nokwenza uqikelelo lweendleko zeinshurensi. Nangona kunjalo, itekhnoloji entsha yenze ukuba kube lula ukushiya ngasemva kwaye ufumane ukuba uyenze ngokwakho le nkqubo.
Ukwenza, kuya kufuneka ngenisa iwebhusayithi ye-inshurensi enomdla kuyo kwaye baya kuba nefom okanye icandelo apho, ngokusebenzisa amanyathelo ambalwa apho umisela khona uhlobo lweinshurensi oyifunayo, isithuthi kunye nokugubungela, baya kukunika iziphumo zokugqibela (ngamanye amaxesha kwiscreen, ngamanye amaxesha kwi-imeyile yakho) ngexabiso eliqikelelweyo. Umzekelo, i-inshurensi yemoto ingabalwa apha.
Into abayenzayo abanye kukutsalela umnxeba ukukucebisa kwaye ubone ukuba unomdla kwi-inshurensi. Kwezo meko, ngamanye amaxesha banokuliphucula ixabiso abakunike lona kwi-intanethi, okanye babe bhetyebhetye ngakumbi. Ngayiphi na imeko, oku kubalwa kukwexeshana, kuba kamva unokuvavanya ukuba ungabandakanyi ngaphezulu okanye ngaphezulu, kwaye ke, ube neinshurensi yemoto epheleleyo.
Izibonelelo zeinshurensi yemoto yenkampani
Ukujonga ukuba ne-inshurensi yemoto yenkampani, nokuba yeyokuhamba ngenqanawa okanye akunjalo, kunokukhokelela kwizibonelelo ezithile kwinkampani. Kwaye ayifani nokuqinisekisa imoto enye kunokuyenza kwizithuthi ezingama-20. Iinshurensi zihlala unikezele ngogcino olubalulekileyo kwinani leinshurensi oza kuthi ungene kuyo ngamanye amaxesha ukuya kuthi ga kwiipesenti ezingama-40 okanye ngaphezulu kwixabiso kwaye kuxhomekeke kukugubungela okunesivumelwano.
- Banokuba nezembozo ezininzi njenge-inshurensi nganye; okanye ube nokugubungela ngakumbi kuba ukusetyenziswa okunikezelwe kwimoto yabucala akufani nemoto yenkampani.
- I-inshurensi ibhetyebhetye ngakumbi. I-inshurensi yenkampani ibhetyebhetye ngakumbi kuba iyaziqhelanisa neempawu zeshishini, inani lezithuthi kunye neemeko ekufuneka zibenazo (ukuba kukho i-inshurensi yabaqhubi abohlukeneyo, uncedo lwendlela, isithuthi esitshintshayo ...).
- Iinkqubo zilungelelaniswa. Iinkampani azihlali zenza i-inshurensi yemoto enye. yenza ezininzi. Ulawulo lwenziwa, ngaphandle kwemigaqo-nkqubo enye.
- Banokungena kwisivumelwano kwi-Intanethi. Sala kakuhle ukuba uthathe ixesha lokuya eofisini; ngoku ungazifumana kwi-Intanethi kwaye ulawule yonke into.
- Ulungiso olukhuselweyo. Babeka kwiindibano zabo zocweyo ze-inshurensi, okanye kwinkampani yeinshurensi uqobo, ngendlela yokuba, ukuba kukho iingxaki kwisithuthi, baya koomasifundisane abakhethekileyo abanezinto zokuqala.
Ngaba awucingi ukuba kufanelekile ukufumanisa malunga nenkampani yeinshurensi yemoto kunye nokuqala ukugcina?