Umthetho Womshuwalense Weengozi Wobungozi
Umthetho Wobungozi Wobungozi Wobungozi (TRIA) ka-2002 wasayinwa kumthetho nguMongameli uGeorge W. Bush ngoNovemba 26, 2002, ukukunceda ukuqinisekisa ukuba iinkampani zomshuwalense zinakho ukubonelela ngengozi yongcipheko. Ngaphansi kokubonelela, kukho intlawulo yabucala kunye noluntu ngokuhlawulelwa kwintlawulo yezokhuselo.
Urhulumente ngokuqinisekileyo waba ngumxhasi wenkxaso-mali yenkxaso-nkampani ye-inshorensi eqhelekileyo xa kwenzeka isiganeko esikhulu samaphekula. Isenzo sandisiwe ngo-2005 kwaye kwakhona ngo-2007. Isenzo esinye segebengu kufuneka senze i-$ 5 kwiirhafu ezikhuseliweyo ngaphambi kokuba zibe ngumsebenzi wesigqeba phantsi kolawulo lwe-TRIA. Ukongezwa kwangoku kwalo myalelo kusetyenziswe ukuphela ngomhla kaDisemba 31, 2014. Ikomfa ithathelwa ingqalelo nokuba ingaba yandisa iPhulo-mali yobungozi boTyhurensi.
UkuLawulwa koButhathaka
Umonakalo ovela kuhlaselo lwama-terrorism ka-9/11 uqikelelwe kwi-40 billion yeebhiliyoni kwimonakalo yomhlaba kunye nokulahleka kobomi.
Abantu abangaba ngu-3 000 balahlekelwa ubomi babo ngexesha lokuhlaselwa kweNew York City, ePennsylvania, naseWashington, DC Le lahleko yentlekele yanyanzeliswa ukuba ivuseleleke (yinkampani yomshuwalense yenkampani yomshuwalense ukuthetha) ngaphandle kweemarike. Ngaphandle koxhaswa ngeenkampani zokuqinisekisa kunye nokungakwazi ukunyaniseka ngokuchanekileyo engozini yongcipheko, iinkampani ze-inshorensi zaphoqelelwa ukuba zingabandakanyi ulwabizo.
Ubani Ubudinga Ubundlobongela?
Ezinye iinkontrakthi zokuqesha zingafunwa ngabaxhasi babo ukuba baphathe i-inshurensi yobundlobongela njengoko imeko yesivumelwano sokugqiba umsebenzi okanye umboleki-mali ingafuna ukuba kubekho ulwabiwo-mali. Kwakhona, amashishini afumaneka apho izenzo ezinobungozi ezithe zaziwa khona nazo zinokufuneka ukuba zithwale i-inshorensi yobundlobongela. Xa ungathandabuzeki, khangela igosa lakho le-inshorensi kwaye ubuze ukuba unyanzelekile ngokomthetho ukuthwala i-inshorensi yobundlobongela. Kulungile nokho, jonga kwisebe lombuso wakho we-inshorensi. Ukuba awukwazi ukudibanisa isebe lakho likarhulumente yomshuwalense ungaya kulo Mbutho weSizwe we-Nkomishinala we-Inishisi (NAIC) kwiSebe lase-US Amasebe ase-United States.
Uninzi lweenkampani zomshuwalense zinikela ngenkqubo yomshuwalense wenkohlakalo nangona kaninzi ayimfuneko ngaphandle kwe-inshurensi yembuyekezo yomshuwalense. Oku kungenxa yokuba i-inshorensi yokuhlawula i-inshorensi ilawulwa ziimpawu zombuso ezichaza abaqeshi kufuneka zinikezele umvuzo ngenxa yokulimala komsebenzi kungakhathaliseki iphoso. Imigaqo-ntlawulo yemisebenzi ayikho phantsi kweentlobo ezahlukeneyo zezinto ezingabanjwanga njengezinye iintlobo ze-inshurensi ngenxa yale migaqo yomgaqo-nkqubo.
Ngaphandle kokuba unyanzelekile ukuba uthwale i-inshurensi yobunkokeli, ingaba yinto efanelekileyo ukuba uyenze le ngxelo xa uhlala kwindawo enkulu yedolophu, indawo eyaziwayo ngaphambili kokuhlaselwa ngabangqongqangi nokuba ufuna nje ukuqinisekisa ukuba, intsapho yakho, izinto kunye ne-asethi yoshishino zinesiqinisekiso malunga naliphi na ilahleko ezibangelwa kukuhlaselwa kwamaphekula.
Ukuthengwa kweNgcakano yokhuseleko
Unokuthenga umgaqo-nkqubo we-inshorensi wobungqina obuvela kumaninzi kwimigangatho yemigangatho yomshuwalense. Uninzi lweenkampani ze-inshorensi ziyakwazi ukuthengisa i-coverage ye-inshorensi yobubhankqalazi xa uvakalelwa kukuba uyayidinga okanye kufuneka uzithenge yona, umsebenzi wakho okanye umsebenzi wakho wezoshishino.
Kuphi ukuthenga i-Intshurensi yobuninzi
Kukho iinkampani zomshuwalense ezinikezela i-inshurensi yobugandaganda njengemigaqo-nkqubo yedwa okanye inxalenye yesicwangciso soqweba.
Nazi iinkampani ezimbalwa onokuzijonga ukuze ufumane ukuba yeyiphi indlela enokukhetha ngayo ngamnye ngenjongo yokukhusela i-inshurensi yobundlobongela; I-Chubb kunye ne-XL yeqela le-PLC Khangela imibutho yenkampani yomshuwalense ukuqinisekisa ukuba inkampani yakho ye-inshorensi ihloniphekile kwaye inamandla okulinganisa imali. Unokukhangela kwakhona irekhodi leenkonzo zamakhasimende zenkampani yomshuwalense kunye neBusiness Business Bureau okanye nge- JD Power & Associates .