Mhando dzeInishuwarenzi Makambani
Mabasa anoshandiswa pamakambani eshuwarisi anosiyana zvakasiyana zvichienderana nenzira iyo vashandi vanoshandisa kushambadzira zvigadzirwa zvavo. Vazhinji vatsigiri vanowira mune rimwe remapoka matatu anotevera:
- Vanyori Vanonyora Bhizinesi makambani anotengesa mitemo zvakananga kune vanotengesa inshurenzi pasina kushandiswa kwevatambiri (vashandi kana vatengesi) vanonzi vanyori vakananga. Aya mabhizimisi anowanzobatana nevatengi kuburikidza nefoni kana webhusaiti. Vamwe vanochengetedza mahofisi ekutengeserana umo vatengi vanogona kuuya kutenga mitemo. Muenzaniso wemunyori wakananga ndeye Nationwide Insurance.
- Exclusive Agency Insurer Vamwe vatengesi vanotengesa zvigadzirwa zvavo kuburikidza nevanoshandiswa chete, zvinoreva zvinoshanda zvinoshanda ivo chete. Mienzaniso ndeye Farmers Insurance uye State Farm.
- Independent Agency Insurer Vakawanda vanogadzirisa mabhizinesi vanotengesa nehupfumi bhuzinishuwarenzi mazano kuburikidza nevanomiririra vashandi nevatengi. Munhu anozvimirira anofanirwa kusarudzwa ne (ave nekontrakiti ne) imwe inshuwarisi kuitira kuti atengese mitemo yayo.
Inishuwarenzi Ikambani Vashandi
Heino mabasa makuru anoitwa nevashandi vepfuma / kuurawa kwekambani inshuwarisi . Sezvakataurwa pasi apa, mabasa aya haako mune makambani ose.
Mumiriri wevatengi
Sezvakataurwa pamusoro apa, makambani einishuwarenzi ayo anoshanda sevanyori zvakananga haashandisi maanisi kana vatengi kuti vaparadzire zvigadzirwa zvavo.
Pane kudaro, vanotengesa mitemo kuburikidza nevamiririri vevashandi vekambani (CSR's). A CSR inoshandiswa nemubhizimisi. Anotaurirana nevatengi kuburikidza nefoni, Indaneti , kana hofisi yekutengesa. Apo mutsva mutengi achitsvaga chinangwa, CSR inounganidza mashoko uye inopa chirevo. Mushure mokunge mutemo wacho wakabudiswa, CSR inoramba ichinyanyobvumirana nomutengi wezvinhu zvose zvine chokuita nepurogiramu kunze kwezvakataurwa.
Exclusive Agents
Anongova mutengesi anotengesa mitemo zvakananga kune inishuwarenzi vatengi panzvimbo yeimwe inshuwarisi. Anongova mumiriri wega angave ari mushandi we inshuwarisi kana kuti kambani yekuzvimirira . Paunosvika kune mutengi weinishuwarenzi, mujeri anounganidza mashoko uye anopa chirevo. Kana mutengi achitenga mutemo, mugoveri anova mutongi wepamberi wemubatanidzwa nemupurisa. Iyo mumiriri anobatira mazano uye anotonga nyaya dzose dzakabatana nayo kunze kwezvakataurwa.
Vamiririri Vekutengesa
Vamwe vashandi vanoshandisa vamiririri vekutengesa kuti vakwekwe vatengi vatsva. Vashandi ava vanoshevedza vashandi vese uye vanotengesa zvinhu zvekambani. Munguva yakapfuura, vazhinji vevaiti vehutsigiri vanoshandiswa vanozvimiririra vanoshanda vachishandisa vatengesi vashandi. Vashandi ava vakaunza bhizinesi kuburikidza nekuvandudza hukama hwepedyo nevashambadzi.
Mumakore achangobva kupfuura, vatsigiri vezvematongerwo enyika vakapedza vatengesi vavo. Underwriters iye zvino vane basa rebasa rakamboitwa nevatengi vekutengesa.
Commercial Underwriter
Vanonyora pasi vanogamuchira zvipedza zvakapedzwa kubva ku CSR, vashandi kana vatengi. Vanonyora pasi vanoona kana vashandisi vashandisi vanosangana nemishandiro emishuwarenzi ekunyora pasi. Ngatiti iwe unoda kutenga mutemo wemotokari yemabhizimisi. Uyu munyori wechirungu anoongorora zvaunoshandisa. Iye kana iye anofunga nezvemhando yebhizimisi raunoshandisa, kurasikirwa kwako, nhoroondo yako yezvemari, yevashandi vako 'zvinyorwa zvekufambisa, uye mamwe mashoko akasiyana-siyana.
Uyu munyori wepasi ano anoshandisa deta iyi kuti aone kana kambani yako yakawandisa, iri nani kudarika, kana kuti iri pasi pehuwandu hwehuwandu. Ngozi dzako dzichaonekwa muhurukuro yako. Njodzi dzakanaka dzinobhadhara zvishoma kudarika mashoma.
Basa rekunyora pasi harina kuguma paunotenga mutemo. Iye acharamba achiongorora kuongororwa kwako uye kurasikirwa kwako. Vanonyora pasi vanowanzoongorora mitemo gore negore. Iye achasarudza kana hurongwa hwako huchifanira kuve hutsva uye kana zvakadaro, mutengo unofanirwa kupiwa.
Inishuwarenzi Inoshandiswa
Inishuwarenzi yakagadzirisa zvinonyoreswa nevatungamiri vezvematongerwo enyika panyaya dzine chokuita nezvikwereti Anogadzirisa angave ari mushandi we inshuwarisi kana kuti kambani yekuzvimirira. Mutori wenhaurirano anogona kukwanisa kushandura hurumende kuti ataurirane nemuiti wechipuridzi wegadzirisiti paanenge achida.
Mushure mekunge maisa chikwata, mutengesi we inshuwarisi achaongorora zvakadzama zvekurasikirwa kwako uye oongorora chero ipi (yako kana kuti muiti wechomwe) yave yakanganisa. Iye achabvunzurudza zvapupu, vatsva, vanachiremba, mapurisa nevamwe vanhu vane ruzivo rwakakosha kune kudai. Mushanduri achaongorora zvakare marongerwo ako kuti aone kana kurasikirwa kuri kuvharwa. Anogona kutaurirana kugadzirisa newe (kana kuti muiti) uye kugamuchira zvipo.
Mhosva yekuongorora
Vaongorori vezviongorori vanoongorora tsanangudzo yekutsvakurudza inopiwa nevashanduri kuti vaone kana zvikwereti zvave zvakanyatsotarisirwa zvakanaka. Vadzidzisi havaongorori zvese zvinotaurwa. Vanotarisa kune izvo zvakaoma, zvakanyanya, zvisingabvunzi kana zvimwe zvinoda kutarisirwa. Vadzidzisi vanopinda mukutora mari, vanochengetedza mari, uye nedzimwe nhepfenyuro mumupurisa wemashandiro emakombiyuta. Vanogona kubvunzurudza zvapupu, avo vezvematongerwo enyika, vanachiremba uye vamwe vanobatanidzwa mukutsvaga. Vadzidzisi vanochengetedza zvinyorwa kusvikira vapedzisirwa uye mari dzose dzakasimbiswa.
Mutemo Wekurasikirwa
Vazhinji vatsigiri vanopa hutano hwekuisa njodzi kuburikidza neDhipatimendi Rokurasikirwa. Kurasikirwa kwevashandi vanoita kuti zviongorore zvivako zvezvivako, motokari uye imwe nzvimbo yekuchengetedzwa kwehupfumi kuitira kuti zvive nechokwadi uye kuti hazvina ngozi. Vatsvakiridzi vanodzidzisa varidzi vemazano nezvezvinhu zvinogona kuisa pangozi pfuma yavo, uye matanho avanogona kutora kuti zvivakwa zvavo zvive zvakachengeteka.
Kana iwe uine vashandi mari yekuvhara , muongorori anogona kutarisa vashandi vako kuti vave nechokwadi chokuti vari kushandisa zvakakodzera zvombo zvekuchengetedza. Kana iwe uine magetsi ekutengeserana , kurasikirwa pasi rep ingarongedza motokari dzako. Kana imwe nguva kuongorora kwapera, rep repure inogona kukurudzira kuchinja kuderedza kana kubvisa njodzi.
Zvimwe zvinorayirwa zvingave zvingasarudzwa. Vamwe vangave vachimanikidzira, zvinoreva kuti iwe unofanira kuita shanduko dzakarongedzwa kuitira kuti uchengetedze kugovera kwako. Nhoroondo yekurasikirwa pasi inotumirwa kune munyori wepasi, uyo anoshandisa ruzivo kuti awedzere kuongorora njodzi yako.
Premium Auditor
Inishuwarenzi yakawanda inowanikwa pasi pekuongorora kwegore negore . Mutevedzeri wemabhuku anonyanya kufanirwa angashanyira nzvimbo yako kuti aongorore zvinyorwa zvemari yako. Anogona kuongorora yako mari yekubhadhara, kutengesa uye mamwe marekodhi kuti ave nechokwadi chokuti data yakarurama. Vanyori vanogona kuongorora dzimwe nyanzvi nefoni. Mutori wenhau achagadzirisa purogiramu yako yekupedzisira uye kuenzanisa nepakutanga (deposit) premium. Kana iyo nhamba mbiri idzi dzakasiyana, unogona kubhadhara premium yakawedzera kana kugamuchira kudzorera.
Inzvimbo
Zvinyorwa zvinotarisa matanho aunobhadhara. Vanoshandisa mashematical model kuti vafanotaurire nezvekurasikirwa mune ramangwana. Vanobatsira kugadzira zvigadzirwa zvitsva kuburikidza nekugadzira mitengo uye nekufungidzira zvichaitika mune ramangwana. Actuaries anobatsira vatsigiri vekutsvaga kutsvaga maitirwo ekubhadhara kukwikwidzana nevamwe bhizimisi asi vachiri kuramba vachibatsira.