Inokudzivirira Iwe Kurasikirwa Kwakawanda
Bhizinishuwarenzi yebhizimisi yakagadzirirwa kuchengetedza kambani yekurwisana nematambudziko.
Mienzaniso ndiyo moto unoparadza chivako, uye njodzi yemotokari inokonzera mhosva huru pamusoro pekambani. Zviitiko zvakadaro zvinogona kuva zvakanyanya mari. Kana vasina hurumende, vanogona kukonzera kambani kuti iparadze.
Bhizinishuwarenzi yebhizimisi haisi kutarisirwa kuvhara zviduku zvishoma izvo kambani inogona kutora nyore nyore. Ichi ndicho chikonzero mazano akawanda ane zvigadziriswa. Semuenzaniso, mutemo wekutengesa motokari inowanzosanganisira deductible iyo inoshandiswa pakuvhiringidzwa kwepanyama kunowanikwa . Kana iyo chirongwa ichivharira kukanganisa kukanganisa, mubhadhari haazobhadhara chikamu chiduku che "fender bender" kurasikirwa kusingapfuuri kudhakwa.
Dzimwe njodzi hadzigoni kuiswa inshumbisi pasi pehurumende yemainishuwarenzi . Mienzaniso ndiyo kudengenyeka kwenyika uye mafashamo s. Aya matambudziko anoda huwandu hwekugovera. Zvimwe njodzi shoma hazvigoneki. Semuenzaniso, haugoni kuisa chivako chako pamusoro pekuparadzwa kwakakonzerwa nehondo kana nenyuchi.
Kupararira kweNengozi
Chinangwa chikuru che inshuwarisi ndechekuparadzira ngozi.
Mabhizimisi ose anotarisana nemukana wekurasikirwa kwakaipisisa. Kune rimwe bhizinesi rimwe chete, zvipingamupinyi zvekurasikirwa kukuru zvakanyanya kuduku. Asi, kurasikirwa kukuru kunoitika, saka mabhizinesi ose anoda kuzvidzivirira nokutenga inshuwalisi. Bhizimusi rinorayira premium, uye mukutsinhanisa, inshuwarisi inotora ngozi yokuti kurasikirwa kukuru kuchaitika.
Makambani eInishuwarenzi anounganidza mari kubva kune inishuwarenzi vatengi nenzira yepurayamisi. Vatsigiri vanodikanwa nemutemo kuchengetedza mamwe emari iyo sezviwanikwa . Vanoisa mari iyi kuitira kuti vawane mari kune avo. Vatsigiri vanoshandisa imwe yemari yavakagadza kuti vabhadhara mari.
Makambani eInishuwarenzi ave nekurasikirwa nekurasikirwa matanho zvichienderana nemitemo yemasvomhu inonzi murairo wezvizhinji . Uyu mutemo ndeyekuti pfungwa yokuti kurasikirwa kunofanirwa kunova kwakarurama zvakakwana sezvo nhamba yekutengesa mauniti inowedzera. Izvi zvinoreva kuti vatsigiri vanogona kunyatsofanotaura kutadza kurasikirwa apo vari kuisa vazhinji majeri panzvimbo pane vashomanana.
Somuenzaniso, funga kuti inshurenzi iri kuchengetedza zvivako zvitanhatu. Nokuti nhamba yezvikamu zvekutsvaga (zvivako) zviduku zvikuru, mubhadhari haakwanisi kufanotaura zvakarurama kuti vangani vavo vachabatsira kutsigira moto mukati megore rinotevera. Iyo inshurensi yekukwanisa kufungidzira kupererwa kwemoto kuchavandudza zvakanyanya kana inshurenzi iri kuchengetedza zvivako zvitanhatu mamiriyoni panzvimbo pematanhatu.
Inishuwarenzi dzinounganidza uye dzinoongorora kuderedza data kune imwe shizha. Vanoshandisa nhoroondo yekurasikirwa kwedenga kuti vafanotaura mberi kwekurasikirwa. Vatsigiri vanoshandisa deta iyi kukudziridza matanho anotsigira policyholders. Mabhizimisi ari mumabasa anotsvaga anokwidza mari yakakwirira kudarika avo vari mumamiriro ekuderera kana kuwandisa.
Matanho Okutenga Inishuwarenzi
Kutenga inshuwalisi yebhizimisi inzira inosanganisira matanho mana anokosha.
Dzidzidzise
Usati watenga inshuwalisi, iwe unofanirwa kuva nekunzwisisa kwekutanga kwemaitiro ematongerwo emabhizimisi kutenga. Zvinogona kubatsira kubvunza dzimwe vhizimisi vemabhizimisi mumhizha rako kuti ndeipi inishuwarenzi yekuvhara. Zvizhinji zvebhizimisi dzinoda kutarisirwa kwebasa guru , motengesi yemabhizimisi , yezvokutengeserana pfuma , uye mazano ekubhadhara vashandi Iwe haufaniri kunzwisisa zvikamu zvose zvemitemo iyi, asi iwe unofanirwa kuziva kuti chinangwa chavanoshumira chii.
Ongorora Bhizimisi Rako
Danho rinotevera nderokuongorora bhizinesi rako kuti uone zvakananga zvikamu zvebhizimisi rako raunoda. Gadzirira kurondedzerwa kwakanyorwa kwebhizimisi rako, kutsanangura kuti chii chiripo uye kuti chinoshanda sei. Gadzira ruzha runotsanangura danho rimwe nerimwe remabasa ako.
Ita rondedzero yeimba iyo bhizinesi rako rayo.
Sarudza Agent kana Broker
Inishuwarenzi vanhu vane bhizinesi. Iwe unoda nhengo kana kuti broker uyo waunogona kukudziridza ukama hwenguva refu. Munhu uyu anofanira kunge ari chiremba ane chiremba ane ruzivo rwakanaka rwehushuwarenzi. Anofanirwawo kunzwisisa bhazha rehushuwarisi. Ipa wako mushandi tsanangudzo yako yebhizimisi rako. Ipa chero humwe humwe huwandu hwaanokumbira. Kana mukuru wako achiziva nezvebhizimisi rako, zviri nani kuti iye achakwanisa kusangana neunishuwarenzi yako inoda.
Dzokorora Mapepa AInishuwarenzi Yako Nguva Dzose
Bhizimisi rako harisi kukandwa mumatombo. Ichakura nekushandura kwenguva. Inishuwarenzi yako mitemo inofanirwa kuratidza izvo zvinoshanduka. Iwe unogona kunge uchida zvimwe zvinyorwa, kana zvakakwirira kana zvishoma. Taura newadhiri wako kana mutengesi kamwechete pagore, usati watora mitemo yako itsva, kuti uongorore zvaunofunga.
Chinyorwa chakagadzirwa naMarianne Bonner