Nhoroondo yeVashandi Kupihwa
Pamberi pevashandi mabhiriro emitemo akaiswa, vakuvadzwa nevashandi vavo vaitungamirirwa nemutemo.
Mutemo unonyanya kufarirwa nevashandi. Vashandi vaigona kutsvaga mubhadharo pamusoro peku-ku-kwekukuvara kwebasa nekushora vashandi vavo , asi vaisakwanisa kubudirira. Vazhinji vashandi vanogona kukundwa kuburikidza nechimwe chezvikonzero zvinotevera:
- The Assumption of Risk Mushandi wacho akafungidzira njodzi dzinobatanidza nebasa apo iye akatora basa.
- Zvinokonzera Kusagadzikana Kuzvidzivirira kwomushandi kwakabatsira pakukuvadza, saka mushandi akanga asina mhosva.
- Kushamwaridzana Nevashandi Kusagadzikana Kukuvadzwa kwevashandi kwakakonzerwa nokuregererwa kweshamwari pamwe chete.
Izvi zvidziviriro zvakanga zvakaoma kuvashandi kukunda, saka vashomanana vakagamuchira chero kupihwa kwekukuvara kwebasa. Mamiriro acho ezvinhu akatanga kuchinja muzana remakore rechimakumi maviri ekutanga sezvo vanhu vakawanda vakava netsitsi kune vashandi. Mutemo wekutanga wevashandi wokuUnited States wakagadzwa muna 1911 neWisconsin musarudzo. Dzimwe hurumende dzakakurumidza kutevera.
Mukutanga kwema1920, hurumende dzakawanda dzainge dzashandura vashandi purogiramu. Mamiriro ekupedzisira ekugadza vashandi vemitemo yeHararei. Mutemo waro wakapiwa muna 1949.
Mandatory Coverage
Mune zvose asi maviri anotaura (Oklahoma neTexas), vashandi kupa mari yekuvhara inotarisirwa. Izvi zvinoreva kuti vashandi vanomanikidzwa nemutemo kuti vatenge mushandi wekubhadhara vashandi kune avo vashandi.
Vashandi vanozadzisa izvi zvinodzivirirwa kubva kune mhosva kune vakuvadzwa. Vashandi vanobvuma zvikwererero zvekukuvadzwa pasi pevashandi vekubhadhara vashandi vanorega kubvumidza vashandi vavo kuti vakuvadze.
Vashandi vanobhadhara mitemo haashandi kune vashandi vose. Mitemo ine zvimwe zvisiri izvo, izvo zvinosiyana kubva kune imwe nyika kuenda kune imwe. Mitemo yakawanda inosanganisa vashandi vekumba uye vekurima, makambani ezvimiririra, uye vega proprietors .
Matengo Anoratidza Kurasikirwa Kunotarisirwa
Vashandi vanobhadhara vatsigiri uye masangano ekuenzanisa (kufanana neCNCI ) kuunganidza zvakanyanya deta pamusoro pezvokubhadhara kwevashandi. Vanofananidza deta nemashandisirwo emakambani uye chikamu chenhamba . Kune rumwe rutivi, vanoverenga nhamba uye hukuru hwezvakaitika zvakaitika mune imwe neimwe yemakore mashomanana apfuura. Vanoshandisa iyi deta kuti vagara vataura kuwanda uye kusimba kwezvirevo zvemangwana. Paunotenga vashandi inshurensi yekubhadhara kwekutanga kwekutanga, chiyero chaunenge uchibhadhara chicharatidza huwandu hwezvakaitika zviitiko zvekirasi mazita akanyorwa pamutemo wako.
Zvekurima, kumigodhi, uye kuvaka ndezvimwe zvinhu zvinokuvadza. Vashandi vanoshandiswa mumabhizimisi aya vanowanzokuvara zvakakomba. Nokudaro, vashandi vavo vanobhadhara mari yakakwirira yevashandi kubhadhara mari.
Vashandi vanoita bhizinesi mumabhizimusi mashoma anonyanya kubhadhara mari shoma.
Experience Rating
Kana imwe bhizinesi yako yave ichishanda kwemakore mashomanana, inogona kunge ichizviisa pasi pezviitiko zvezviitiko . Izwi iri rinoreva nzira yekuenzanisa iyo premium yako inogadziriswa kana pasi kuti iratidze kurasikirwa kwekambani yako. Zvichienderana nezviitiko zvezviitiko zvako, unogona kubhadhara zvimwe kana zvishoma kune vashandi inshuwalense yevashandi kupfuura vamwe vashandi munhizha yako. Kana kurasikirwa kwako huri nani kudarika mavhareji, chikwereti chinogona kushandiswa kumashandiro ekubhadhara kwevashandi vako. Izvo zvakashata zvakare ndezvechokwadi.
Premium Reduction Strategies
Vashandi vane zvingasarudzwa zvekugadzirisa vashandi avo ekubhadhara mari. Chimwe ndechokuisa purogiramu yekuchengetedza njodzi kuitira kuti kuderedze pa--ku-kukuvara kwebasa. Kana uchida rubatsiro kuisa purogiramu, bvunza bhizimisi rako kuti ubatsirwe.
Vaiti vehutsigiri vakawanda vanopa mazano ekudzivirira ngozi kuti vabatsire avo vanoita zvematongerwo enyika kuderedza kurasikirwa.
Imwe nzira yekuderedza mari yako yepurayamisi ndeyokunyora muchirongwa cheparadhiso . Zvirongwa zvekuparadzanisa zvinopa vashandi vane kurasikirwa kwakanaka kwekodhi. Kune marudzi akawanda ezvirongwa. Mamwe mapurogiramu akaverenga zvikwereti zvichienderana ne premium chete. Vamwewo vanofungawo kurasikirwa kwako. Zvirongwa zvekuparadzanisa zvinosiyana nemamiriro ezvinhu, uye kubva kune imwe inshuwarisi kune imwe.
Nzira yechitatu yekuderedza mari yevashandi mari yekugoverwa ndeyokutora inshuwarisi . Paunofunga kuti unofunga, iwe unofunga chikamu chekuda kwevashandi kurasikirwa nemari. Mhando mbiri dzehu-inshuwarisi iyo inowanikwa kumabhizimisi mashomanana chirongwa chiduku chinokonzerwa uye inshuwarisi yeboka. Rimwe boka rega-inshuwarheni inounganidza mabhizinesi anowedzera zviyero zvavo uye kurasikirwa. Gulu rega-inshuwarisi harisi kuwanikwa mune zvose zvese.