Mari Inogadzikana
Vatsigiri vanochengetedzwa nehurumende. Hurumende imwe neimwe inochengetedza dhipatimendi yemishuwarenzi iyo inotarisa utano hwemari hwevanishuwarenesi vane mvumo yekuita bhizimisi munzvimbo iyoyo.
Chimwe chezvinangwa zvekutonga ndezvekudzivirira inshuwarisi kusuruvara . Kunyange zvakadaro, kambani dzeshuwarisi dzimwe nguva dzinokundikana. Nokudaro, vasati vatenga inishuwarenzi yepamutemo vatengi vanofanira kuzviita ivo pachavo kuongorora kwekuchengetedza kwekuchengetedza mari .
Nenzira yakanaka, kuongororwa kwehutano wehutano hahudi kuti nhamba ipi zvayo iite pasi. Nhamba yefimende dzakagadzira basa iwe. Aya makambani anosanganisira AM Best, Standard uye Varombo, Moody's uye Fitch. Sangano rega rega rinokura mubhadharo weupuriki uchishandisa nzira dzakasiyana. Somugumisiro, anishuwarenzi inogona kuverengwa zvikuru neimwe sangano asi kwete zvakanyanya neimwe. Nokuda kwechikonzero ichi zvakakosha kuongorora maitiro akawanda kana kuongorora insurer.
State License
Kunze kwekuti iwe uri kutenga mutemo kubva kune inshurensi isingabvumirwi, yako insurer inofanira kupiwa mvumo muhurumende yako kuti ibudise rudzi rwemutemo unotenga. Munyika dzakawanda iwe unogona kuwana insurer yekuvharidzirwa kwemashoko kubva pawebsite yebazi re inshuwarisi.
Chimwe chinyorwa chemashoko aya ibhurosi rakachengetedzwa neNational Association of Insurance Commissioners (NAIC).
Anishuwarenzi iyo inopa mhando dzakasiyana-siyana dzekugovera inogona kudikanwa rega rega yega yega. Somuenzaniso, fungidzira kuti Elite Insurance Company inopa hupenyu hwehupenyu nevhudzi vemunishuwarenzi muhurumende X.
Elite inobata mabhizimisi maviri, imwe ye inshuwarisi yehupenyu uye imwe yezvivako uye kuurawa kwehutano. Apo inshurenzi ine mabhizimisi akawanda, rega rega rega rinogona kutorwa nekambani inoshandiswa nekambani. Somuenzaniso, Elite's life insurance license inobatwa neElite Life Insurance Company. Imiti yevaElite uye chivimbiso chinoparara chinoitwa neElite Property and Casualty Company.
Basa
Basa rinoreva kukurumidza, kururamisa uye kururamisira an insurer inoratidza apo inopindura zvikumbiro zvako. Muenzaniso unotevera unoratidza kuti nei basa rinokosha.
Ngatiti iwe wakabhadharwa naXYZ Inc. kuti uite basa purojekiti. Simba yako inoda kuti iwe uchengetedze XYZ Inc. sewezve inshuwarisi pasi pemutemo wako wekodzero . XYZ haichazokubvumi kuti utange kushanda purojekiti kusvikira yawana kopi yemamwe mabhizimisi anotsigirwa. Iwe wakakumbira kubvumirwa asi iwe inshuwarisi haisi kuitora kusvikira mwedzi mitatu gare gare. Panguva iyoyo iwe wakatosiya basa.
Vamwe bhizimisi vanopa rubatsiro rwakanaka kune vamwe. Kana iwe wakanyoresa mumiririri wega wega kuti awane zvinyorwa panzvimbo yako kubva kune vanoverengeka vehutsigiti, mujeri wenyu anofanirwa kuziva kuti inishuwarenzi inopa basa rakanakisisa. Iwe unogonawo kubvunza dzimwe vhizimisi vebhizimisi nokuda kwezvirongwa.
Sangano rezvematongerwo enyika, masangano enyanzvi uye mapoka ebhizimisi anogonawo kupa mabhizimisi mazano.
Kuda Kusarudzwa
Sezvo mutongi, iwe unotarisira bhizimisi yako kuti inobhadharisa kubhadhara chero ipi zvayo inobvumirwa iwe yaunyorera . Kunyange zvakadaro, vamwe vatsigiri vanove nekanhu rakanaka kudarika vamwe kana zvasvika pakushandisa zvirevo. Kana munhu akazvimiririra ari kuwana zvinyorwa panzvimbo yako, kumubvunze pamusoro pevatsigiri vekuti vanoita maitiro maitiro. Iwe unofanirawo kutarisa dhipatimendi rako rehu inshuwarisi yewebsite yekunyunyuta uye kushanda kwezviito zvakaiswa kune insurer. Maitiro mazhinji emagadziro emitemo uye zvigaro zvekuita zvekuita zvinosanganisira zvinopomerwa zvenzira dzisina kururama .
Zvinyorwa
Izvinyorwa zvinoshandiswa iwe zvaunoda zvinoenderana nemhando uye hukuru hwebhizimisi raunoshandisa. Vamwe vashandi vanopa hupfumi hwe "vanilla" iyo mabhizimisi akawanda anoda sezvinodiwa mubhizimusi uye yepamusoro yehutano inshuwarisi.
Zvimwe zvikwereti zvinopa zvikwereti zvakagadzirirwa mamwe marudzi emabhizimisi, akadai seresitorendi kana makontrakiti. Kana bhizinesi rako rakanyanya kunyanya iwe unoda inshuwarheni inonzwisisa inyanzvi yako. Somuenzaniso, kana iwe kambani inogadzira zvigadzirwa zvekurapa zvinoda kurapa iwe unoda inshuwari iyo inyanzvi mune biotechnology.
Vatsigiri vehurumende vanomiririrwa nevamiriri vanosiyana kubva kune imwe sangano kuenda kune imwe. Kana iwe usingafari nekusarudzwa kwevaiti vezvekuchengetedza kubva kune mumwe mujeri, shandura kune imwe sangano. Kufanana nevanishuwarenzi, vamwe vashandi nevatengi vanoisa pfungwa kune dzimwe makambani kana mhando dzekugovera. Kana iwe uchinzwa kuti wero wako wezvino haanzwisisi bhizinesi rako, tsvaga mujeri anonyanya kuzivikanwa mumhizha yako.
Mutengo
Mutengo we inshuwarisi inogona kusiyana zvakasiyana kubva kune imwe inshuwarisi kune imwe. Pane zvinhu zvakawanda zvinokanganisa purogiramu yepurogiramu. Izvi zvinosanganisira mari inoshandiswa , mitsara inowanikwa, rutivi rwekugoverwa kunosanganisira, uye zvidzidzo zvakapiwa nemu inshuwarisi. Kana uchitarisa zvinyorwa zvive nechokwadi kuti uri kuenzanisa "maapulo nemaapuro." Nhungamiro X ingave yakakura zvakanyanya, uye saka inodhura zvakawanda, kupfuura Purogiramu Y. Zvisinei, kana kuwedzera kwekugoverwa kunoitwa nePurogiramu X hakukoshi kwauri, unogona kunge uri nani kutenga mutemo unodhura.