Mamwe emhando dzakasiyana dzemakambani einishuwarenzi anosanganisira: miitiro yakazara, mitsetse yakawanda, vatapwa, vatengesi vatengesi, vemisha, vatorwa, makambani ekubatana, makambani emashamba, Lloyds yeLondon nezvimwe.
Heano tsanangudzo shomanana yeimwe neimwe yemhando dzakasiyana dzemakambani einishuwarenzi uye humwe ruzivo rwakakosha hunopihwa uye humwe humwe hunhu hwakasiyana.
Standard Lines
Mitsara yakareruka inotakura yakawanda sezvinoreva zita rayo. Ndiyo kambani yemishuwarisi ine chirevheni chekushanda uye kutengesa mitsara chaiyo ye inshuwarisi mune imwe nyika. Imwe shoko rinowirirana nemiganhu yevatakuri "vanobvumirwa nematakurendi." Mitengo inotambirwa kugoverwa nemiganhu yakawanda inotakura inotungamirirwa nehurumende yehurumende yveshuwarisi muhurumende kana inotaura iyo inopa kugoverwa. Izvi zvinobvumirwa nevatakuri vanogadziriswawo nemitemo uye zvigadziriswa zvehurumende dzinobvumirwa kushanda.
Mutsara wekutakura unofanirwa kugovera unofanirwa kugovera kuhurumende yehurumende yekupa mari. Iyi mari yekuchengetedza mari inokwereta zvinonzi inofanirwa kudai kambani ye inshuwarisi ichishandura.
Kupfuura Mitsara
Imwe zita rekambani yakanyanyisa yambhurenzi ikambani iyo "yakaderera mitsara" yekambani.
Idzi makambani emakambani anonyanya kuisa njodzi dzinokosha dzakadai sepamusoro-panjodzi yemishuwarisi yemoto kana kuti vanhu vane pangozi yepamusoro iyo inenge isina kukodzera kugoverwa nemiganhu yakatakura inotakura nekuda kwezvinyorwa zvayo zvinyorwa kana zvidzidzo. Muenzaniso ungadai uri mutyairi ane zvikwereti zvakawanda zvinokurumidzira kana zvimwe kukanganisa kwemotokari kana kambani iyo ichangobva kuvhura uye haina kutanga kuparidzirwa.
Akabatwa
Imwe kambani yehutano inshuwarisi ndeye iyo inowanzochengetedza njodzi dzemamwe mashizha kana boka revanhu kana rudzi rwehuwandu hwehuwandu hwakafanana nekutumira ( transit inshuwarisi ) uye inshuwarisi yemakungwa . Semuenzaniso, kana bhizinesi rekutumira risingawanikidzi kubhadhara mari yakawanda kuburikidza nemushamba wehushuwarisi, inogona kuumba kambani kuti ipe inshuwarisi iyo pachayo. Iyo kambani yakasikwa kuti ipe inshuwarisi "yekutapwa" yekambani yemubereki.
Direct Sellers
Kambani inotengesa zvakananga ndeye isingashandisi inshuwarisi asi inotengesa zvakananga kumutengesi wehushuwarisi. Mazhinji emakambani ekutengesa zvakananga ane mahofisi emunharaunda mavo nevamiriri vekambani asi vazhinji vebhizimisi inoitwa paIndaneti kana pamusoro pefoni. Nokuti mutengesi chaiyo haashandisi vashandi vemunharaunda, mutungamiri wehurumende anofanira kutarisana zvakananga nekambani yekudzokorora, kutenga sarudzo uye kwechinangwa chero chipi zvacho chinodiwa kumutemo. Izvozvo zvinoshandiswa pakushandisa munyori weInishuwarenzi yakananga ndeyokuti kana kwete iyo mutengi wehushuwarisi anonzwa akasununguka kutarisana zvakananga nekambani ye inshuwarisi kana kuti anosarudza zvinoitwa neanzvimbo yake yega yega yehushuwarisi. Imwe nyanzvi inonyatsozivikanwa yemunyori wechipurisa yekambani ndiyo GEICO.
Dzimba
Imwe kambani ye inshuwarisi yepamusoro inoshanda uye inobvumirwa muhurumende iyo inotarisirwa. Iko kambani inogona kubvumirwa kushanda kune dzimwe nyika asi inofungidzirwa somutorwa wevatorwa mune iyo nyika.
Alien
Imwe kambani yechuwarisi ye inshuwarisi inobatanidzwa pamitemo yeimwe nyika. Semuenzaniso, kambani yeInishuwarenzi yakaiswa sekambani yeUnited States asi kushanda muFrance kwaizoonekwa somutakuri wevatorwa nemaonero eFrance.
Lloyds weLondon
Lloyds weLondon anozviisa pakuisa zvinhu zvisingawanzoitiki kana zvakanyanya uye zvinonyorwa pasi kuburikidza nemvumo yeParamende yeChirungu. Kunyange zvazvo njodzi idzi dzinowanzoshamisa dzakadai sedhadhiro yemuviri yemafuta kana yekunze kwemafuta, "mumugwagwa mukuru" kana zvimwe zvinowanzoitika njodzi dzinowanikwawo.
Mutual Companies
Mamwe makambani makambani anowanikwa nevatori vemazano vanoonekwa sevashandi uye vanogona kugamuchira zvipo zvekubhadhara zvikwereti uye vangarega kutongerwa nekuwedzera kwekutanga nekuda kwekurasikirwa.
Izvi zvinogona kusiyana nekambani. Imwe nyanzvi inonyatsozivikanwa ndeyeRuberty Mutual.
Stock Companies uye Additional Classifications
Makambani emakambani ari makambani nevatengesi uye anoparadzira zvakapetwa zvakabhadharwa sezvikamu zvezvikwereti kune vashandi. Uyezve, kambani inogona kuenzanisirwa se "monoline carrier" inoreva kuti inongonyora imwe mutsara wekuparidzira kana se "makambani emitambo yakawanda" inonyora mitemo pamarudzi akasiyana-siyana einishuwarenzi.
Zvinorevei Kwauri
Paunenge uchisarudza kutenga inshuwarisi, unogona kusarudza kutenga inshuwarisi kubva kune anoshanda anomiririra kambani yekutapwa (yakadai seHarare Farm); kana kuburikidza nemunhu anozvimiririra anomirira makambani mazhinji. Iwe unogonawo kusarudza kutenga inshuwalisi kubva kune mutengesi chaiyo (akadai seG GEICO) nokutenga paIndaneti kana pamusoro pefoni. Kuziva zvishoma pamusoro pemhando dzakasiyana-siyana dzeinishuwarenzi ndechimwe chigoni chaunogona kushandisa mukuwana chakanakisisa paunotenga mutemo.