Zvinotora nguva shomanana nekutsvakurudza pane yako chikamu kuti uwane zvakanakisisa pamusoro peinishuwarenzi.
1. Tsvaga Imba Yakakurumbira
Sei uchida kambani yerinishuwarenzi yakakurumbira kunyora hurongwa hwako? Iwe unogona kunge uchitenga zvakapoteredza kwenguva yakareba kuti uwane tsvina-inodhura mutemo asi iwe unofanira kufunga zvauri kutenga chaizvoizvo. Chii chiri mukurumbira wekambani iyi yveshuwarenzi? Ndizvo zvakagadzikana mune zvemari uye zvinenge zvakapoteredza kubhadhara zvese zvaunogona kunge uine? Iwe unogona kuwana zvakawanda pamusoro pekuti sei inshuwarisi yako ikambomira kune imwe nzvimbo nekudzokorora kukohwa kwayo nemasangano ehurumende yemainishuwaire akaita se AM Best , Standard & Poor's uye Fitch Ratings .
Aya masangano einishuwarenzi anotarisa zvinhu zvakawanda kuti aone zvikwereti zvekambani yeinishuwarenzi kusanganisira mari yebasa, maitiro ebhizimisi, uye maitiro ekutungamirira. Chimwe chinonyanya kukoshesa maonero. Maonero emakambani anowanzoonekwa asina kunaka, akasimba kana akanaka.
Zvinokwanisika kuti kambani inoratidzirwa nemaonero asina kunaka inogona kuva nedzimwe nguva dzinotyisa. Izvo zvinhu zvose zvekuchengetedza mupfungwa paunosarudza kambani yeruzhinji yerishuwarenzi.
2. Ita Basa Rako Rokuumba
Kana wawana kambani inokudzwa kuti ipe inshuwarisi yako, iwe hausati waita. Iwe unonyatsoziva rudzi rwekuparidzira kwaunoda here?
Pasinei nokuti uri munhu wega kana bhizinesi, iwe unofanirwa kuita tsvakurudzo mumhando dzeinishuwarenzi iwe unofanirwa kuve yakachengetedzwa zvakakwana muitiko yekurasikirwa. Zvechokwadi, izvi hazvisi zvakafanana kune vose. Mhando dze inshuwarisi yaunoda dzichasiyana pamamiriro ako chaiwo uye zvinoda. Heano mamwe maitiro akajairika einishuwarenzi yevanhu vaviri nemabhizimisi.
Mitauro yeInishuwarenzi yeUpi
- Automobile
- Vaimba pamba
- Renters
- Life Insurance
- Health Insurance
- Nguva Yenguva Yakarera Inishuwarenzi
- Disability Inishuwarenzi
Mhando dzeBusiness Insurance
- General Liability
- Property Insurance
- Inshurenzi yengozi yemuvakidzani
- Inland Marine Inishuwarenzi
- Zvikanganiso & Emissions
- Product Liability
- Commercial Properties
- Commercial Auto
- Vashandi Vemari
Aya haasi ega maitiro einishuwarenzi iwe unogona kuaida asi ndeapi mamwe mazano ehurumende yerishuwarenzi yakatengeswa. Verenga pamusoro pemhando yega yega yunivhisi yehurumende uye uve mutengi anonyatsoziva. Kuziva zvauri kutsvaga kuchakubatsira kutenga zvakananga kuwana zvakanakisisa kukosha kweinishuwarenzi. Kukurukurirana nemumwe mujeri weInishuwarenzi kunogonawo kubatsira kana iwe uri kunzwa uchingorasika uye usingazivi nezvehuwandu hwemhando dzaunoda.
3. Shop Around
Kana zvasvika pakutsvaga purogiramu yakanakisisa yveshuwarensi, inobhadhara kutenga zvakapoteredza.
Iwe unogona kushanyira masangano emunharaunda uye ona rudzi rwemari yaunogona kuwana kana iwe unogona zvakare kutarisa kunenge paIndaneti. Iwe unogona kuwana dzakawanda dzakanaka chaizvo dzeinishuwarenzi dzinoenzanirana paIndaneti kuti ikubatsire kuwana zvakanakisisa zvekutengesa uye zvekugovera zvingawanikwa.
4. Bvunza nezveZvikomborero
Bvunza vashandi vako ve inshuwarisi pamusoro pekuti zvikwereti zvinowanikwa nehutungamiri uye ndezvipi zvaunokwanisa kuwana. Kana iwe ukakwanisa kubhadharwa nehutano huripo huripo , unogona kuwana kuderedza kukuru muhomwe yemari yeruzhinji. Kana uri kutengesa paIndaneti, verenga pamusoro pezvose zvidhauri zviripo mune ruzivo rwakapiwa pawebsite. Kana zvichidikanwa, taura nhamba yebasa revaridzi yakanyorwa kuti uwane mamwe mashoko.
5. Kuvandudza Dambudziko Renyu
Iwe unofanirwa kuzvitengesa kune kambani ye inshuwarisi sechiitiko chakanaka here?
Kuzviita iwe panjodzi inonakidza kuchakuwana iwe mishonga yemishuwarenzi iri nani. Izvi zvinogona kureva kuita zvinhu zvakadai sekuchenesa rekodhi yako yekufambisa, kutora nzira yekudzivirira yekudzivirira, kuisa zviyero zvekuchengetedza mumba mako kana auto, kuita zvinhu kuti uvandudze utano hwako uye kunyange kuchenesa chikoro chako chekwereti . Pasinei nekambani yeinishuwarenzi inofunga kuti ichafanira kupedza paunenge uchibhadhara zvamunofunga, iyo inodhura yako inshurensi yako inenge iri.