I-inshurensi yindlela yokugubungela umngcipheko ngokudlulisela kwi-inshurensi eya kujongana nokuqinisekisa okanye ukukhumbula konke okanye inxenye yeziganeko ezenziweyo. Ngayiphi na imeko, sisixhobo esinamandla se thintela nakweyiphi na izehlo nakuyo nayiphi na indawo yobomi. Kungenxa yokuba, zininzi iintlobo zemigaqo-nkqubo kuba zigubungela zonke iintlobo zemisebenzi kunye neenkqubo. Kukho impilo, uhambo, ikhaya, imoto, ukufa, ukonga, utyalomali kunye nokukhusela izilwanyana zasekhaya. Bangabhaliswa ngokweemfuno zokwenyani zabasebenzisi, nokuba zizodwa okanye ziinkqubo ezininzi ngaxeshanye.
Kude kube ngoku kukholelwa ukuba i-inshurensi yayinganyanzelekanga ukuba ingene kwisivumelwano. Kodwa oku akuyonyani kuba iifomathi ezithile, zimbalwa kakhulu, ezifuna ngokupheleleyo ukwenziwa ngokusemthethweni. Kukulungele ukuba uyazi le nto kuba ukungababhalisi kungabiza imali eninzi kakhulu ukusukela ngoku. Phakathi kwezinye izizathu kuba baphethe izohlwayo ezinzima ezichazwe kwi- umthetho wangoku. Ukuya kwinqanaba lokuba inokuhlengahlengisa uhlahlo-lwabiwo mali lwakho okanye losapho nangaliphi na ixesha ebomini bakho.
Ke ukuba awunazo naziphi na iingxaki, eyona nto ibalaseleyo iya kuba kukwazi ukuba yeyiphi na i-inshurensi enyanzelekileyo ukuba uyiqeshe. Zininzi kunokuba ucinga kwasekuqaleni kwaye ezinye zazo ziqinisekile ngezona zixhaphakileyo kwi unikezelo oluvela kwiinkampani zeinshurensi. Unokufumana isimanga esingaqhelekanga kuluhlu lweinshurensi esisinyanzelo esiza kukunika yona apha ngezantsi. Ayilolize, awaziwa kakuhle yinxalenye enkulu yabasebenzisi abakolu didi lweemveliso zemali. Ukusukela ngoku awusayi kuzithethelela ngolwazi lwayo oluchanekileyo.
I-inshurensi yokuqesha: imililo
Usenokungayazi kodwa ngexesha lokufumana iarhente yokuthengisa izindlu nomhlaba kuyakufuneka wenze i-inshurensi yomlilo ngokusemthethweni. Iya kusebenza ukukhusela le propati kwezi meko zintle kwaye kuzo zonke iimeko kuyanyanzeleka ukuba ungumnini wayo. Eyona nto ixhaphakileyo eyenzekayo kukuba lo mgaqo-nkqubo ukhethekileyo ngokubanzi ubandakanyiwe ngaphakathi kwezi zinto i-inshurensi yasekhaya. Apho kufakwe ezinye iintlobo zokugubungela ezisebenza ukukhusela ikhaya lakho ngokusebenza ngokukuko.
Kodwa lumka kakhulu, ke i-inshurensi yasekhaya ayinyanzelekanga, ngaphandle kokuba uninzi lwabasebenzisi lucinga ntoni. Ukuba akunjalo, ngokuchaseneyo, umgaqo-nkqubo ngumlilo. Ayinamsebenzi ukuba yeyiphi ifomathi oyikhethayo ekugqibeleni, kodwa kuya kufuneka uhlale ukhumbula oku. Ngokwenyani yimveliso ene- ipremiyamu efikeleleka kakhulu yonyaka kuwo onke amakhaya kwaye oko kunokukunceda uphume ngaphezulu kwengxaki enye enokuvela ekhaya. Ukongeza, iyimveliso ayinzima kakhulu kwaye ihlala ithengiswa phantsi kwemiqathango efanayo yorhwebo.
I-inshurensi yezilwanyana zasekhaya
Enye i-inshurensi elawulwa lolu phawu lukhethekileyo yenzelwe yona izilwanyana ezinobungozi. Abantu abanenye yezi kopi kufuneka babhalise i-inshurensi yale modeli ukugcina izehlo ezinokwenzeka phambi kwabantu besithathu. Kuba xa ingekho ngale ndlela, baya kuvezwa izohlwayo ezinzima kakhulu zokwaphula imigaqo ekhoyo ngoku kwizilwanyana ezinobungozi. Ngale ndlela, olu hlobo lweinshurensi alunakho ukubhidaniswa nezo zihambelana nezilwanyana esikunye nazo. Ekugqibeleni, ziimveliso zeinshurensi ezahlukileyo ngokupheleleyo, nangona zithwala ukufana okuninzi phakathi kwazo.
Esi sesinye seinshurensi esisinyanzelo kwaye ukuba ukule meko kufuneka ugcwalise ngokukhawuleza. Ewe awuyi kuba nangxaki ekuyiqeshweni kuba zonke iinkampani zeinshurensi zicinga ngomgaqo-nkqubo wezi mpawu kwi-inshurensi yazo yangoku nangaphantsi. iindlela ezahlukeneyo kwintengiso yakho. Apho kuthethwe khona inja esekhaya lethu.
I-inshurensi yobungcali
Usenokungayazi, kodwa kukho uthotho lomsebenzi okanye imisebenzi yobungcali efuna ikhontrakthi enyanzelekileyo yeinshurensi. Unokufumana ngaphezulu kwe-inshurensi engaphezulu kwama-500 yokuba ukwenziwa ngokusemthethweni kuyanyanzeliswa ukukhusela abasebenzi. Kwimisebenzi yazo zonke iintlobo kwaye phakathi kwazo oku kulandelayo kuyabonakala ukuba sikuveza ngezantsi:
- IDrone Inshurensi
- I-inshurensi yobungcali (abasebenzi bezempilo, ukugcinwa kweenkonzo, njl.
- I-inshurensi yeminye imisebenzi (imiboniso, ezolimo okanye ulwakhiwo)
Kwezi meko yimveliso yeinshurensi ethintela izehlo ezithile kwicandelo lomsebenzi kwaye uninzi lwazo luchane kakhulu, umzekelo, ezo zinento yokwenza nabasebenzi abasebenza kwimicimbi yezempilo okanye yolwakhiwo. Kuzo zonke ezi meko abanakuba nenye indlela ngaphandle kokuba ne-inshurensi leyo thintela kwiinkqubo ezithile emsebenzini. Ngamanye amaxesha, le yimisebenzi ebeka umngcipheko omkhulu kukhuseleko lwakho. Ngayiphi na imeko, kukho ukunqongophala okukhulu kolwazi malunga nolu hlobo lweinshurensi kwicala labasebenzisi kwaye banyanzelwa ngabaqeshi ngokwabo ukuba benze ngokusemthethweni imigaqo-nkqubo yabo ehambelanayo.
Imigaqo-nkqubo enyanzelekileyo kuhambo
Olunye lweinshurensi olungaziwayo malunga nolwenziwo olunyanzelekileyo zezi zinxulumene nohambo kunye nokufuduswa kwabantu kwizithuthi zikawonkewonke. Kwelinye icala, kuhambo olwenziwe ngaphakathi kwakwesi sixeko kwaye ngaphandle kwamathandabuzo kufuna i-inshurensi yomgibeli. Nangona kunjalo, into edla ngokwenzeka kwezi meko kukuba i-inshurensi yiyo ibandakanyiwe kwityala ethengwayo ukwenza uhambo. Ngale ndlela, umsebenzisi akufuneki akhathazeke ngayo nantoni na kuba iimfuno zabo zigutyungelwe kuzo zonke iimeko.
Kwelinye icala, kunye nokuya kwezinye iindawo, nokuba kukwindawo yabakhenkethi okanye ezeshishini, kuthwala uxanduva lokuba ne-inshurensi ebakhuselayo. Kodwa njengakwiimeko zangaphambili igutyungelwe ngubhukisho lokhenketho. Oko kukuthi, iarhente yokuhamba okanye inkampani yezothutho yiyo ephetheyo. Nokuba kule meko umsebenzisi kuya kufuneka ayirhumele, kodwa ngokuchaseneyo iya kubizwa irhafu simahla kwitikiti elithengiweyo. Ngayiphi na imeko, yenye yeinshurensi ekufuneka ubenayo ukusukela ngoku.
Ukukhuselwa kwezinto ozithandayo
Ewe kunjalo, olu luhlu alukaphelelanga kumatyala avezwe ukuza kuthi ga ngoku. Ewe akunjalo, kuba i-inshurensi emiselwe ukugcina ezinye zokuzonwabisa onazo zilahlekile. Umzekelo, ukuba uqhuba umdlalo apho uhlanganisene khona okanye ngokulula kwimisebenzi eqhelekileyo njenge amaphenyane okuzingela okanye olonwabo. Ayilolize, umthetho okhoyo ngoku ufuna ukuba ubhalise umgaqo-nkqubo wamatyala oluntu ocinga ngomonakalo obangelwe ngumntu wesithathu ngenxa yophuhliso lwale misebenzi. Oko kukuthi, ukuba le yimeko ethile, awuyi kuba nesisombululo ngaphandle kokwenza umgaqo-nkqubo kwezi mpawu ukuba awufuni ukuba nenye ingxaki ukuyiphuhlisa ngokwesiqhelo. Kungenxa yokuba ungohlwaywa kakhulu ukuba uyasilela ekuthobeleni le mfuno.
Elinye lawona matyala amelwe ngabantu abaqhuba imidlalo kwaye bathatha inxaxheba kukhuphiswano. Bafuna imveliso leyo khusela kwaye ulondoloze nasiphi na isiganeko ukuze baphuhle ngokuziqhelanisa naloo mdlalo. Le yinto efikelela kwimidyarho ethandwayo kwaye xa ubhalisa ngokuzenzekelayo une-inshurensi yezi mpawu. Abaququzeleli banyanzelekile ukuba babonelele ngale nkonzo kwiimbaleki. Ngaphandle kwezinye izinto eziqwalaselwayo kumnyhadala wezemidlalo uqobo.
I-inshurensi yekhaya
Olunye lwamathandabuzo lokuba abasebenzisi abazokurenta indawo yokuhlala ngaba bayanyanzeleka ukuba batyikitye umgaqo-nkqubo weinshurensi. yokuqeshisa. Ewe, kule meko ayinyanzelekanga ngaphandle kwenkolelo ngokubanzi. Nangona kunjalo, ukwenziwa kwayo ngokusemthethweni kuyacetyiswa kakhulu kuba kuyindlela efanelekileyo yokukhusela kunye gcina iipropathi zayo. Umzekelo, izixhobo zekhompyuter, izixhobo zetekhnoloji nokuba imeko yayiyimpahla okanye ifanitshala uqobo. Akumangalisi ukuba ezi ndawo zingagutyungelwanga ngabanini bamakhaya iinshurensi nangayiphi na indlela.
Kwelinye icala, kwelinye icala, Oko kukuthi, umnini wepropathi yokuthengiswa kwezindlu, kufuneka agcwalise imveliso yezi mfuno. Njengoko ungayamkela enye i-inshurensi ukukhusela intlawulo kwaye uya kuhlawulwa ngayo phambi kweenkqubo ezithile ngokungabikho kwengqokelela yeentlawulo zenyanga. Ewe ayinyanzelekanga, kodwa inqweneleka ngokupheleleyo kuba ibonelela ngokhuseleko oluninzi kwimeko yakho yomnini.
Njengoko besitshilo ngaphambili, xa kufikwa kumba wokuthengiswa kwezindlu, ekuphela kwento efunwa ngumthetho yinshurensi yomlilo. Zonke ezinye zinokuzikhethela kwaye zixhomekeke kwintando yabasebenzisi ngokwabo. Nditsho nangexesha lokutyikitya imali mboleko yokubolekwa kwemali, nangona iibhanki zibandakanya imigaqo-nkqubo yokuqhubekeka. Isenokuba sisicwangciso sokunciphisa iindleko zokugqibela zezemali.