Inshorensi risk business: omsebenzi osemqoka, iintlobo kunye neziphakamiso

Nkqu ngoosomashishini kakhulu entsha ebhegini bacinga ukuba kukho kungenzeka ezinye ingozi. Kulo mzekelo, imincili ngakumbi amaxesha amaninzi xa umntu wenza ishishini ebomini bakhe. Kweli nqaku siza kujonga yintoni na ishishini inshorensi, kwakunye kwiintlobo yayo engundoqo.

Njani le mbono

Ukuze uqalise khangela yintoni na ngumongo kurhwebo kwezoqoqosho. Lo mqondo ubudlelwane phakathi abadlali ezahlukeneyo zoqoqosho. Oku kuquka urhulumente ngokwayo, kwakunye abemi balo. Kulo mzekelo, ubudlelwane imarike - na ukuthenga nokuthengisa kwezinto ezithile kunye neenkonzo, apho ezinye izifundo abathengisi, ngoxa abanye - abathengi.

Ekuhambeni lwale ntsebenziswano lwenzeka ukhuphiswano intamo. Ngoko ke, ukuze agcine amathuba zawo kwimarike, ezi zifundo baqala ukwenza kakhulu yingozi. Oku kucacile ngenxa eziyingozi yaye ushishino olunjalo, njengokuba inshorensi ishishini. Lo msebenzi uyakwazi kuba luncedo kakhulu ekunciphiseni iingozi zoqoqosho kunokwenzeka.

Kakade ke, elizimeleyo yokwenza ushishino - inkqubo kunokuba nzima kunye noxanduva, apho yonke usomashishini Kukuwe onoxanduva impahla yakhe. inshorensi Business kunganceda ukukhusela abantu ukusuka umngcipheko ukusilela kunokwenzeka. Nangona kunjalo, kufuneka kukhunjulwe ukuba, kwakunye nolawulo lwe-inshorensi zayo zoshishino uza kufuna ukuba iindleko ezithile zemali.

Izizathu eziphambili ezibangela izinga ukwehla lokubuya

Kakade ke, ukudala inkampani yakhe - akukho lula, kodwa kunzima ukuqinisekisa impumelelo yayo iminyaka ezayo. Maxa wambi, nkqu ishishini kakhulu zithandwa ithembisa banokusilela. Cinga izizathu eziphambili zokuba oku kungenzeka:

• utshintsho kwemithetho yerhafu, kwakunye uphelelo lwemali;
• imililo, iingozi kunye neentlekele zendalo;
• ukuqaliswa kwemithetho emitsha lithintele ukugcinwa kwemisebenzi ethile;
• iimpazamo imveliso ngabasebenzi (factor babantu);
• yokuphazamiseka imeko yezoqoqosho yeli lizwe isenokuba sizathu siphambili ekuncipheni imfuno;
• yokulahlekelwa ziingcali eziphezulu mbutho.

Akukho namnye unako ngokuchanileyo ukuchaza izizathu eziphambili yona inkampani siyabhanga okanye balahlekelwe oluninzi eyinkunzi. Kodwa ukuze ukunciphisa imingcipheko ngasentla, kuyimfuneko ukuba banikele ingqalelo inkonzo enjalo, njengoko i-inshorensi ishishini.

Imingcipheko kunye inshorensi kwisicwangciso soshishino

Ngenxa imingcipheko zisasuka kwisicwangciso soshishino, unako lula kakhulu umsebenzi wabo ugcine imali eninzi. Kakade ke, ukuqikelela zonke iingozi ezinxulumene ne umsebenzi wakho, akunakwenzeka ngokupheleleyo, kodwa ukunciphisa ukuba inani lincinane Kuyakwazeka. Ukuze wenze oku, kufuneka wenze uhlalutyo lomngcipheko isicwangciso sakho soshishino, uze uqiniseke ukuba siqwalasele iindlela zokunciphisa kubo. wenza nantoni na, qiniseka ukuba kuqulunqwe isicwangciso soshishino. Kwakhona inshorensi iya kukunceda uphephe imiphumo emibi.

Business ezincinane kunye neziphakathi

ungonakala nkampani bufika xa umnini wakhe ayisendim ebengenakwenza nto ukuvuselela ngayo. Insurance zoshishino Small - yinto ethembeke kakhulu yaye indlela uqinisekise ukuba kulahlekwa yiyo yonke imali kokuvalwa lombutho wakho.

Emva kokufumana intlawulo ye-inshorensi, uza kufumana elinye ithuba ukuze bawubuyise ishishini lakho, okanye ukuphinda-ukuqala into entsha. Le ndlela ngayo umngcipheko lusebenza kakhulu kwimisebenzi enxulumene kubonelelo ngeenkonzo okanye ukuthengiswa kwempahla ngetyala kwaye ngezavenge.

Amaninzi, ishishini inshorensi ibandakanya ezi zinto zilandelayo: inshorensi impahla, amatyala kunye inshorensi kokuphazamiseka imveliso.

inshorensi impahla

Masithi uqale ishishini elitsha. Ukwenza oku kuya kufuneka ukuqesha okanye uthenga indawo, izixhobo, ifanitshala kunye nezinye izinto. Yonke impahla uthenge okanye arente uyakwazi ngebe okanye yonakalise. Ngoko ke, ngoncedo lwe-inshorensi mhlaba uya kuba nako ukubuyela yonke bachitha imali ziphanzile. Nangona kunjalo, nceda uqaphele: kuba olu hlobo lwe-inshorensi kufuneka anike indleko ngqo yazo zonke iimpahla ezithengiweyo okanye esiqeshwe kwinkampani ye-inshorensi.

Kwisixa isivumelwano inshorensi, uya kuba nako ukukhusela isakhiwo, impahla, impahla, izixhobo ofisi, izixhobo, kunye nemali lulele esefini okanye imali yokubhalisa.

Kulo mzekelo, ixabiso inshorensi lubalwa kuphela ngamnye.

insurance liability

inshorensi olunjalo ukukhusela wena apho umbutho wakho zibethe umthengi okanye weza imveliso okanye inkonzo amabango akho.

Ukuze ngokuchanekileyo ukuqonda intsingiselo olu hlobo lwe-inshorensi, umzekelo. Umzekelo, ukuba unayo lokucheba iinwele. Nkosi esebenza kuwe, ngokulahleka, zisenzakaliswa impilo umxhasi wakho kwaye ifuna wena ukuba imbuyekezo. Ukuba awukwazi ukuhlawula nto, ngoko, nize uncedo kwinkampani ye-inshorensi.

Inshorensi ikhefu yemveliso

Ngexesha ukusebenza, kwishishini ngalinye kuza ikhefu nezingacwangciselwanga. Kakade ke, aba ikhefu neeholide okanye ikhefu, uyakwazi ukunikeza, kodwa wenza ntoni xa kuthe amandla majeure? Umzekelo, ukuba umlilo yenzeka isityalo sakho?

Yonke imisebenzi iyakunqunyanyiswa, ngoko ke kufuneka ukuba nilinganisele imali yokubuyiselwa, nowokunceda, kwakunye nemfuneko yokuhlawula imivuzo yabasebenzi, irhafu kunye nokunye. Kulo inshorensi ityala lekhefu yemveliso iya kuhlawula zonke iindleko zakho ezingacwangciswanga.

Insurance kunye noshishino lokuxabisa

Valuation-inshorensi kuyimfuneko ukuze imveliso ubalo elichanekileyo-inshorensi.

Zonke inkampani yeinshorensi mihla kufuneka zibe nomfanekiso ocacileyo kakhulu kwaye injongo ixabiso le-inshorensi propati. rating Independent inshorensi ivumela iingcali ukuze kuhlolwe ngokukhawuleza imingcipheko kwaye wenze le portfolio inshorensi.

Ngokuqhelekileyo, iinkampani ze-inshorensi babuyelayo amaqela wesithathu ukuba bazibandakanya izibalo ezinjalo, yaye sele ngokusekelwe wedatha ifunyenwe ukuba imisele imiqathango zabo wokuqesha inshorensi.

Iingcebiso eziluncedo inshorensi brokers

Insurance Business ( "Sberbank" ikwabonelela ngezona nkonzo) kufuneka iphunyezwe kakuhle.

Cinga ezimbalwa iincam ezibalulekileyo ezinokukunceda ukuba xa ukhetha inkampani yeinshorensi:

1. Akukho mfuneko yokuba inshorensi yakho ekunene into oyithandayo "kuzo zonke." Iqula kuqala ukuhlalutya umsebenzi wakho uze ucinge ngeengozi. Kuphela koko qhagamshelana kwinkampani ye-inshorensi. Oku kuya kukunceda nje ukuba ukubala ngokuchanekileyo imali yabo, kodwa ukungena isivumelwano esemthethweni ebalulekileyo.
2. Hamba unyuke kukhetho lo kwinkampani ye-inshorensi omelela. Kakade ke, kwimarike namhlanje amawaka zabo. Play sikhuselekile kwaye khetha kuphela umbutho ixesha avavanywa.
3. Nikelani ingqalelo enkulu mvumelwano inshorensi. ukuhlola Ngokupheleleyo eli xwebhu, ngenxa yokuba kaninzi kakhulu iinkampani ze-inshorensi ashiye i "hook", apho ke uya womdlalo. Kwaye kholwa ndim, ukuba ayikho egameni lakho.

ulawulo siqu - umsebenzi onzima kakhulu kunye noxanduva. Kunzima kakhulu ukuqikelela apho siya kuba silindele imingcipheko lithomalele. Ngoko ke kusoloko kungcono ukuba sikhuseleke. Oku kuya kukunceda ukuba uzikhusele iindleko ezingalindelekanga okanye ungonakala. luck Good kwimisebenzi yakho.