Nhoroondo
ISO yakachinja zvikuru kubvira pakatanga.
ISO yakasikwa muna 1971 apo zviverengero zvakasiyana-siyana zvinosungirirwa zvikabatanidzwa uye zvakaumba sangano risina purogiramu ye inshuwarisi. Pakazosvika 1993, ISO yakanga yakarongeka zvakare seye-self-profit self corporation. Muna 2008, yakagadzira kambani itsva yakanzi Verisk. ISO yakasununguka gore raitevera uye yakava rubatsiro rwepasi rose rweVerisk. Sevamwe vanobatana nekambani yevanhu vose, ISO haisisiri kutarirwa nevanishuwarenzi.
Zvinoda ISO
Vatsigiri vanovandudza mitero yakatarwa nezvirongwa zvekurasikirwa mune ramangwana. Vanowana dhepfenyuro pamusoro pemararamiro akapfuura, uye zvino shandisa zvingaita kuti ufanotaurire kana ramangwana rekurasikirwa richave rakakwirira, rakaderera kana rakafanana nezvakaitika kare. Kurasikirwa kunonyanya kufungidzika sezvo kuwanda kwematare kunowedzera. Izvozvo zvinoreva kuti vatsigiri vanogona kufanotaura nezvekurasikirwa kwemazuva anotevera zvakanyatsonaka apo vane dhesi yakawanda yekurasikirwa kwekushanda nayo.
Kunyange zvazvo vamwe vashandi vanogona kunge vanogona kufanotaura nezvekurasikirwa nenzira yakarurama vachishandisa purogiramu yavo yekurasika, vazhinji havagone.
Ruzhinji rwevaiti vehutsigiri harusi maduku. Havakwanisi kubudisa dhegi rakakwana pachavo pachavo kuti vaite zvirevo zvakarurama nezvezvirevo zvenguva yemberi. Nokudaro, vatsigiri vakawanda vanovimba neIO nokuda kwedata.
Data Sharing
ISO inounganidza kurasikirwa kwezvinhu kubva kune ve inshuwarisi inotenga zvigadzirwa nemishandiro. Aya mabhizimisi anonzi ISO vanyori .
Gore roga rega, vanyoresa vanodzokorora mapeamisi avo, kurasikirwa, uye mari kune ISO. Vaiti vechipatimendi vanoisa nhamba yedhigirii nemutsara webhizimisi (rudzi rwekugoverana). Semuenzaniso, inshurenzi inogona kupa nhaurwa yakasiyana yezvokutengeserana pfuma , kuparara kwemuviri , uye mhosva yakawanda .
ISO inoshandisa zvose data iyo inounganidza uye zvino inotengesa nayo kune inshuwarisi. Vatsigiri vanoshandisa deta iyi kuti vaone kubatsirwa kwemarudzi ose einishuwarenzi. Vanotarisawo kurasika maitiro. Kurasikirwa kungave kuwedzera kune mamwe marudzi einishuwarenzi uye kuderedza vamwe.
Kurasi Mari
Munguva yakapfuura, ISO inoshandiswa purogiramu yekutanga uye yakarasikirwa iyo yakabatanidzwa kubva kune vatsigiri vekuchengetedza matanho. ISO vanyori vakashandisa iyo mitero kuverenga mihorosiyamu. Mazuva ano, ISO inonyanya kuparadzira kurasikirwa kwemari panzvimbo yekutengesa. Vatsigiri vanosarudza mavhesi avo pachavo kuburikidza vachishandisa dhepfenyuro yemari yedhara sekutanga. Anishuwarenzi anogona kuverenga chiyero nokutanga nemari yekurasikirwa uye kuwedzera mari yekutarisira mari, mitero, uye purofiti.
Nzira dzePurogiramu
Chimwe chebasa rinokosha ISO rinopa vatsigiri vezvematongerwo enyika ndechekunyora mutemo. Kuumba maitiro matsva emitemo iyi inodhura, inopedza nguva. Vatsigiri vanogona kudzivisa basa iri vachishandisa ma-ISO akanyorwa kare. Vanogonawo kudzivisa zvimwe zvezvipingamupinyi zvinobatanidza nekunyorwa kwematongerwo enyika.
Zvinyorwa zvinyorwa zvakagadziriswa nevatsigiri vanogona kududzirwa zvakasiyana nedare nematare kupfuura ivo vatsigiri vekutarisira. ISO maitiro zvinowanzoratidza zvikanganiso zvishoma kudarika kubva mumutauro wemitemo yakatove uongororwa nedare rematare.
Maitiro mazhinji eIO maitiro anoshandiswa semhizha inoshandiswa. Idzi mafomu anoshumira sezviratidzo zvekuongorora uye kuenzanisa mitemo yakagadzirwa nevatsigiri vese. Semuenzaniso, ISO Commercial General Liability Coverage Form ndiyo inoshandiswa mumabhizimisi yehuwandu hwemhosva. Vamwe vatsigiri vezvematongerwo enyika vakagadzira mafomu emapurisa ayo akazara kupfuura ISO fomu. Muzvinhu zvokutengesa, avo vambisi vezvekambani vanowanzotarisa nzvimbo iyo fomu yavo yakadzika kupfuura ISO yomufomu.
Vamwe vatsigiri vehurumende vanobudisa mazano ehushuwarisi vachishandisa maIO mafomu uye zvibvumirano "sezvazviri" (pasina chero kuchinja).
Vamwe vashandi vanoshandisa shanduro yeIOO sekutanga kwekuvandudza mafomu avo emitemo. Nzira dzakawanda uye zvibvumirano zvinowanikwa mumusika zvine musanganiswa weIO mutauro wakakwana uye mazwi evanoshuwarenzi.
Rating uye Underwriting Rules
Chimwe chinhu chinonyanya kukosha ISO inopa vatsigiri vese Bhuku reBusiness Lines. Bhuku rino rinotaura mitemo nemirairo yekunyorwa pasi uye kuverenga zvikamu zvakapiwa neIOO mazano emitemo. Iine zvikamu zvakatsaurwa zvekutengeserana kwezvokutengeserana, mutoro mukuru, uye yebhizimisi pfuma inshuwarisi .
Bhuku re Commercial Commercial Lines rinoshandiswa neinishuwarenzi pasi pehurumende , uye vashandi ve inshuwarisi nevatengi . Inotsanangura kuti mapoka akasiyana-siyana eIO anofanira kushandiswa sei. Semuenzaniso, chikamu che Commercial Commercial chinotsanangura mhando dzemotokari dzinogona kuvharwa pasi pebhizimisi rega rega motokari. Bhuku racho rine zvinyorwa zvitsuwa, mitemo yepamusoro , nharaunda dzinotsanangurwa uye mirayiridzo yekuverenga premiums. Inoratidza zvakare apo zvibvumirano zvakananga zvinofanira kuiswa kune chirongwa chekuwedzera, kubvisa kana kuchinja kugoverwa.
Mamwe Huduma
ISO inopa zvakawanda mabasa kunze kweavo vataurwa pamusoro apa. Heano mienzaniso.
- Kubika Kwezvemari ISO inopa mishonga inshuwarisi ingashandisa kuisa mhemberero yavo yemari yegore negore kuti ipe inshuwarisi yevatongi.
- Kupa Kwevashandi Kunyorera ISO inopa zvigadzirwa zvinotungamirira nzira yekudhinda mitero , mitemo, uye mafomu kuti vataure vashandi vekubhadhara vashandi .
- Property Inspections ISO inobvunzisisa muviri yezvivako zviri pasi pehuwandu hwakananga .
- Kunyengera Kuchengeta ISO inounganidza zvinhu zvemhosva kubva kune vakawanda vati inshupfumi uye inozviisa muvhareji yepamusoro. ISO vanyori vanogona kushandisa database kuti vaone inshuwarhu yehutsotsi inowanikwa mumhirizhonga.