Chikonzero Chingaita Kuti Udiwe Kuwanda Kwemigwagwa Broker
Vose vashandi vanogadzirisa zviyero zvine chokuita nemhando dzezvipingamupinyi zvavanoda kuisa.
Vazhinji vanoramba kuchengetedza njodzi dzine mamwe maitiro. Semuenzaniso, vazhinji ve-inshuwarisi vanoramba kutsigira bhizinesi iyo
- Iine kurasikirwa mune urombo.
- Inobatanidza kuita zvinhu zvisingawanzoiti, zvinokuvadza, kana zvakaoma kuongorora. Mienzaniso isati yavakwa zvivako, nzvimbo dzekuchengetedza zuva, mapoka emapurisa, uye gomba-mu-rimwe gorofu dzakatamba.
- Inoda rudzi rusina kujairika rwekugovera. Mienzaniso inonzi ambulensi kusagadziriswa uye kusvibiswa kwemishonga inshuwarisi.
- Icho chiitiko chitsva uye, nokudaro, hachina kurasikirwa nhoroondo
Chii Chinoshandiswa Mitsara Inoshandiswa?
Imwe nhepfenyuro yakasara (SL) mutengesi ndeyeanishuwarenzi unyanzvi uyo anotaurirana kugoverwa iwe panzvimbo yako yakawandisa uye yakasara (E & S) insurer. E & S vatsigiri vanoita basa rekuchengetedza njodzi dzinowanikwa nevakafukidzi vazhinji. Ndivo vatsigiri vasiri vasiri, izvo zvinoreva kuti havakwanisi kubhadhara mvumo mune zvehurumende dzavanoshandisa (kunze kwemamiriro avo emusha).
Kuti uise bhizinesi neE & S insurer, mutengesi anofanira kuva nemirasi yekutambisa.
Mutengesi anofanirawo kuva nechirongwa chekutengesa nzvimbo uye kuurawa kwehutano . An SL broker haatauri zvakananga newe (policyholder) asi anoshanda semurevereri pakati pemushandi wako kana mutengesi uye nekambani ye inshuwarisi isingaiti . Vazhinji veSc brokers vanogona kusvika kune imwe kana kupfuura E & S vatsigiri, izvo zvingasanganisira mamwe masangano muLloyd's yeLondon .
Tsvaga Kutsvaga
Yenyika dzakawanda dzinoda mujeri kana kuti mutengesi kuti aite "kushingaira kutsvaga" asati ataura neE & S broker, zvinoreva kuti mujeri kana mutengesi anofanira kuedza kuwana kugoverwa kune mutengi kune imwe yenhamba yakatarwa yevashandi vehurumende. Kana imwe nhamba inotarisirwa yevandi vekambisi vakaramba kupa ruzivo rwekugoverwa, mujeri kana mutengesi anogona kuenda kuS SL broker.
Mitemo yehurumende inowanzoita zvisarudzo nekuda kwezvinyorwa zvisingawanikwi mumusika wakazara. Somuenzaniso, fungidzira kuti hapana bhizimisi vese vanochengetedza tattoo studio. Kana iwe une chikwata chekuzora chinoda inshuwarenzi yako, mumiriri wako angabvumidzwa kutsvaga kugoverwa iwe panzvimbo yekambani yeE & S pasina kutora kushingaira kutsvaga.
Kuwana Imwe Mitsara Imwe Broker
Vazhinji veSc brokers vanoshandira inshuwarisi yekutengeserana yakawanda kana sangano rinotarisira sangano. Imari yekutengesa yakawanda inoshanda sechinyakare pakati pevatengesi vekutengesa uye E & S vatsigiri. Vatengesi vakawanda havagoni kutangisa (kusunga) kugoverwa kwako. Pane kudaro, vanotumira chikumbiro chakapera panzvimbo yenyu kune E & S insurer. Iyo inshuwarisi inopa tsanangudzo kune mutengesi , uyo anoendesa mberi kune iyo agent. Kana iwe, mutengesi wako uye inshurensi anobvumirana pamusoro pekugoverwa uye mutengo, inshuwarisi inobvisa binder .
Binder iyo inotsiviwa nepurogiramu. Mutengesi mukuru anogona kukwereta mari yekubhadharira maitiro ake. Iyi mari inogona kuwedzerwa kuhomwe yako.
Mutungamiri mukuru wehurumende (MGA) isangano rehushuwarisi rinongororesa dambudziko uye nhepfenyuro dzemitemo kune inshurenti. Chibvumirano pakati pe inshuwarisi uye MGA inotsanangura huwandu hwesimba reMGA rakanyora pasi. Kana mutengesi wako akatumira chikumbiro kune MGA broker, mutengesi anogona kupa chirevo. Kana mapato ose akabvumirana pamusoro pekugoverwa uye mutengo, mutengesi anogona kusunga kuvhara nekubudisa mutemo iwe.
Bharker's Obligations
Kunyange zvazvo E & S vatsigiri vasiri pasi pemirairo yakafanana neyevashandi vese, vanofanirwa kusangana nehutano hwemari hwakagadzwa nehurumende. Vakawanda vanoita kuti varambe vakanyora "vakabvumirwa" kana "vakakodzera" E & S vatsigiri vanoita izvi.
Vakawanda veE & S vatsigiri havakwanisi kupiwa malayisensi nehurumende mavanoshanda. Nokudaro, vakasununguka kushandisa chero mapepa emhando , mazinga, uye maitiro avanosarudza.
Zvizhinji zvekugadziriswa kweMusika weE & S kunotungamirirwa kune SL vashandi. Mamiriro emitemo anotaura zvinonzi SL vashandi vanogona kuita uye kuti vanoita sei bhizinesi. Mitemo inosiyana kubva kune imwe nyika kuenda kune imwe nyika, asi vazhinji vane zvinotevera zvinotevera:
- Inodisheni. Mabhengi anofanirwa kuchengetedza uye kuchengeta mabhizimisi akakodzera.
- Placement. Bhengi haigoni kutsvaga kubva kune E & S inshuwarisi kana kugoverwa kwacho kuripo kubva kune anowiridzi wechizinesi kuburikidza nekutsvaga kushingaira.
- Inshuwarheni Quality. Mabhengi anogona kuwana kugoverwa chete kubva kuE & S vatsigiri vese vari muhurongwa rwematongerwo enyika vanobvumirwa nevhusi. Kunyange zvakadaro, vatengesi (kwete hurumende) ndivo pakupedzisira vanoita basa rekuona kuti E & S vatsigiri vanoita bhizinesi vane mari yakanaka.
- Kuzivisa. Mabhengi anofanirwa kuudza vashandi vehurumende kuti E & S vatsigiri vasiri vhesi nehurumende, uye havafukidzirwi nehurumende yehurumende ye guaranty .
- Kuchengetwa Kwekunyora uye Kubika. Mabhengi anofanirwa kuchengeta zvinyorwa zvemitemo, mapurisa, uye mamwe mashoko. Vanofanirwa kuita mapeji panguva nenguva kune hurumende dzakasiyana-siyana.
- Mutero Wokukohwa. Chimwe chikwereti chakasara chinotarisa mutero chinoshandiswa kumitemo yakabudiswa neE & S inshuwarisi. Iyi mutero inobhadharwa nevatsigiri vematare. Iyo mutengesi anofanira kutora mutero uye kuutumira kunyika.
Nonadmitted uye Reinsurance Reform Act
Vazhinji veE & S vanovhengesa mitemo mumatunhu umo vasiri ivo vane mvumo. Uyezve, vazhinji veS SL vatengesi vanoita bhizimisi kunze kwenzvimbo yavo yekugara. Munguva yakapfuura, kukakavadzana kwaiwanzosimuka sokuti nyika yaive nesimba pamusoro peS SL broker. Paivawo nemakakatanwa pamusoro pehurumende yaive nekodzero yekuunganidza mutero wekuwedzera. Mutemo wezvematongerwo enyika wakapfuura muna 2010 wakagadzirisa nyaya idzi. Mutemo une kodzero yeNonadmitted uye Reinsurance Reform Act (NRRA).
Pasi peNRRA, hurumende yega yega inogona kudikanwa neS SL broker kuti apiwe mvumo yekutengesa inshuwarisi munzvimbo iyoyo. Mukuwedzera, hurumende yechipupuriro chete inogona kuunganidza mari inosara yepamutambo premium.