Estimated Premium
Vashandi vako mari yekubhadhara mari inotarwa kuburikidza nekuwedzera purogiramu nguva yako yekubhadhara uye kugovana chigumisiro ne 100. Somuenzaniso, fungidzira kuti mubhadharo wako uri $ 500,000 uye iyo inenge iri $ 10. Nhamba yako yepamusoro ndeye 500,000 X .1 / 100 kana $ 500.
Iko mubayiro wekubhadharwa iwe paunotanga nguva yako yechirongwa ndeye nguva yenguva. Icho chiyero chinoenderana nemari yako inorayirirwa yegore rinouya. Mushure mokunge mapurisa ako apera, bhizinesi yako inofambisa kugadziriswa kuti uone mari yako chaiyo yekubhadhara gore iroro. Mufambisi wako ndiye anogadzirisa premium yako. Kana mubhadharo wako chaiwo wakapfuura chikwereti chako chawakafungidzirwa, unogona kubhadharwa premium yawedzerwa. Kana iwe wekubhadhara yako chaiyo isiri pasi pebhadharo yako inorongwa, unogona kuwana mubayiro wekudzorera.
Purpose of Audit
Kuongorora kunowanikwa kuitira kuti zvikwereti zvinoshandiswa nevashandi zvibhadhara vashandisi yemari inishuwarenzi zvakanyatsoratidza zvirwere zvavo. Inishuwarenzi chekutarisa kuve nechokwadi chokuti vashandi vanonyatsorongedzerwa uye kuti mari yekubhadhara inoshandiswa pakatarisa zvikonzero yakarurama. Kana mushandi wepamberi ane zvisiri izvo zvakarongeka kana mari yekubhadhara, mushandi angangodaro ari kubhadhara zvakanyanya kana zvishoma, zvichienderana nevamwe vashandi, kune vashandisi yekubhadhara inishuwarenzi.
Nyika dzakawanda dzinosungira vatsigiri vekutsvaga kuti vaongorore mazano emari ekubhadhara kwevashandi avo iyo inotarirwa gore roga roga inopfuura kupfuura imwe nzvimbo, yakadai se $ 10 000. Inishuwarenzi yehurumende yehurumende inotarisa nguva nenguva kuongorora kuti vekuti vatsigiri vese vanoita kuongorora kunoda.
Kushandira Mutemo
Vazhinji vashandisirwo emitemo yekubhadhara, kusanganisira iyo ye NCCI fomu, ine chinyorwa chinotarisana nekuongorora.
Mune fomu yeNCCI, chirevo ichi chiri pasi peChikamu Chechipiri, Premium. Inotaura kuti mushandi anofanira kubvumira bhizimisi kuti aongorore mutemo chero nguva mukati memakore matatu mushure mokunge mutemo wapera. Iyo inshurenzi ine kodzero yekuongorora chero marekodhi anofanirwa nemutemo. Izvi zvinogona kusanganisira vatungamiri vekuverenga, mitero inoshandiswa, uye zvinyorwa zvemari.
Vashandi vanobhadhara mitemo vanewo chirongwa chekuongorora. MuCCCI fomu urongwa uhwu huri pasi peChikamu Chetanhatu, Mamiriro. Inopa inshuwarheni kodzero yekuongorora nzvimbo yebasa pane imwe nguva. Chinangwa chekuongororwa kwakadaro ndechokuongorora kusakwanisa kwebhizimisi rako nekuunganidza mari yekubhadhara mashoko. Vashandi vanobhadhara kuongororwa havakwanisi kuchengetedzwa nekuchengeteka.
Inishuwarenti inobvumirana nemutemo . Apo iwe unotenga vashandi kubhadhara mari, iwe unobvumiranwa kuti uite maererano nekugadziriswa kwekuongorora uye kuongorora mumutemo. Kana bhizimisi yako ichikumbira kushanyira nzvimbo yako kana kukumbira ruzivo rwekubhadhara mari, iwe unofanira kuzviisa kune zvaunoda. Kukundikana kuita izvi kunogona kuputsa kukanganisa kwekontrakiti. Muchengetedzi wako angapindura mukuramba kwako nekuregesa hurongwa hwako kana kuramba kuuritsa .
Izvi zvinogona kukuvhiringidza hupenyu hwako hunochinja.
Mitemo yeChitatimendi
Iko kune marudzi akawanda evashandi ekuongorora mari. Mhando dzeongororo dzinowanikwa dzinogona kusiyana kubva kuhurumende kusvika kune imwe nyika uye inshuwarheni kune inshuwarheni.
- Mabhuku Kuongorora Mhando yakadzika yekuongorora. Kuongorora mabhuku kunogona kubvumirwa kune vashandi vaduku vasingabatsiri premium yakawanda. Zvisinei, kuongororwa kwemashoko kunogona kusawanikwa kune vashandi mune mamwe mabasa (akadai sokupfekedza) pasinei nehukuru hwavo.
- Kutanga Kuongorora Kunotungamirirwa apo chirongwa chinotanga kunyorwa neine inshuwarisi itsva. Kuongorora kwekutanga kunowanzoitwa pa-site. Chinangwa chavo ndechekuita kuti zvikamu zvakakosha uye zvikwereti zvinoshandiswa pamutemo.
- Nhare Yekuongorora Inoshandiswa nevamwe vevisivisi. Iyo inshurensi inogona kukutumira iwe fomu kuti upedze uye kudzokera kune inshuwarisi. Apo iyo inshuwarheni yawana ruzivo, inoronga foni yekuti iwe iwe nemabhuku anogadzirisa nyaya kuti ukurukure ruzivo rwawakapa.
- Field Audit Kuongorora kwepanyama kwakaitwa panzvimbo yako. Chinangwa ndechekuunganidza mari yekubhadhara uye mamwe mashoko ayo inshurensi achashandisa kuverenga premium yako yekupedzisira.
- Nhepfenyuro Inyanzvi Inogona kuitiswa kana bhizinesi rako rakashanduka neimwe nzira, zvichida nekutanga basa idzva. Kuongororwa kwepakati penyika kunoshandiswawo nevashandirwi vakuru vanoshuva kunyorera mari yavo yekubhadhara pamwedzi kana kwegore rimwe chete pane kamwe chete pagore. Aya mabhuku anowanzoitwa nekutumira. Kuongorora kwepanyama kunoitwa pamagumo emapurogiramu.
- Kuongorora Kuongororwa Kunotungamirirwa nehurumende vashandi kupa mvumo yekuona kuti zviitiko zvekuongorora zvakagadziriswa nemubhizimisi . State bureaus kuongororwa kweongororo kuongorora kuti inshuwarisi vatsvageri vari kushandisa sarudzo uye chirongwa chepamusoro zvakanaka. Mahofisi aya anodawo kuvimbisa kuti vashandi vanogadzirira kushandisa zvirongwa zvinogamuchirwa nehofisi (kana kugamuchirwa kunotarisirwa).
Kunyengera NeAn Employer
Kuteerera nemubhizimisi wako chikukumbiro chekuziva haisi iwe wega unofanirwa kuita semuiti wezvidzidzo. Iwe unofanirwawo kupa nhaurwa yakarurama . Kana iwe uchida kupa uchapupu hwenhema kune wako inshuwarisi, iwe unogona kupomerwa nehurumende yehurumende yehu inshurensi yehutu hwekunyengera . Heano mienzaniso yezviito zvinogona kuonekwa sekunyengera:
- Kunyoresa mubhadharo wako nechinangwa chokuderedza premium yako
- Kupa tsananguro yebasa kumanyoreji wehuwarisi
- Kupa purosi yemitero inouya kana mamwe mimwe mari yemari
- Kuchengeta chokwadi chokuti iwe wakarovera vatengesi vemuzana
- Kupa zvikwereti zvakashata zve inshuwarisi kune vanyengeri
Kana imwe nyanzvi yekugadzirisa yave yapera, bhizimisi yako inokutumira mushumo. Zvakakodzera, iyo mibairo inoratidzwa mumushumo haisi kuzosiyana zvakanyanya kubva kumabhadharo anofungidzirwa akanyorwa pamutemo wako. Zvinosuruvarisa, izvi hazvisi nguva dzose. Kana misha yako yekubhadhara yakave yakanyanya kuderera, kuongororwa kungave kwakagadzira purogiramu yakawedzerwa yakawedzerwa. Nyaya yekuongorora inogonawo kuratidza kuchinja kune zvaunofunga. Kana mutori wenhau akafunga kuti bhizinesi rako rakange risina kunaka , iye angave akawedzera matsva ekirasi matsva kana kubviswa zviripo.
Kupopotedzana kweMabhuku
Vagadziri vemazano havawanzobvumirani nemishumo yekuongorora. Mushumo unogona kunge uine zvikanganiso, zvakadai sechiitiko chakaipa chekuchinja kana kusakarurama kwebhadhiro nhamba. Zvimwe, zvinogona kuratidza kushandurwa kwechikwata chausingawirirani nacho.
Kana iwe usina kufara nemigumisiro yekuongorora, taura iwe insurer yako pakarepo. Vazhinji vatsigiri vanopa mirayiridzo yekuti vangapikisa sei kuongorora. Izvi zvingave zvakabatanidzwa mumabhuku ako emitemo. Iva nechokwadi chekutevera iyo inshuwarisi mazano zvakanyatsonaka. Isa fungiriro yako nekunyora munguva yakatarwa nemubhizimisi. Rondedzera dambudziko racho zvakadzama. Somuenzaniso, kana iwe uchifunga kuti munyori wenhepfenyuro akashandisa chikamu chisina kunaka, tsanangura mafungiro ako uye utaure zvimwe. Iyo inshuwarheni ichadzokorora chikumbiro chako uye inosarudza kana kuchinjwa kwakakodzera.
Kana kuongororwa kwave kuchiita purogiramu yakawedzerwa asi iwe wakakavhiringidza mhinduro yekuongororwa, iwe unofanirwa kubhadhara mubayiro wekuwedzera unofanirwa kumiswa kusvikira gakava rigadziriswa. Kana iyo inshuwarisi isingagadziri dambudziko racho kugutsikana kwako, unogona kukumbira sarudzo yehurumende yehurumende yebhadharo.