Ugandanga Utsotsi Inishuwarenzi
Dhiyabhorosi Risk Act (TRIA) yegore ra2002 yakasayirwa mutemo neMutungamiri George W. Bush musi waNovember 26, 2002, kubatsira kubatsira kuti makambani einishuwarenzi ave nekwanisi yekupa ruzivo rwekutengesa kwehugandanga. Pasi pemugove, kune kugoverwa kwegazviga uye yehurumende kubhadharwa kwekuchengetedzwa kwenhepfenyuro yezviito zvehugandanga.
Hurumende yakabva yave iyo reinsurance vatsigiri vekambani yemakambani emishuwarisi kana zviitiko zvegandanga zvakakura uye zvakashata zvakashata. Chiitiko chacho chakawedzerwa muna 2005 uye zvakare muna 2007. Chiito chimwe chegandanga chinofanira kukonzera madhora mashanu muhutachiwana hwekuchengetedzwa kwehutano asati agona sechiito chehugandanga pasi peTVIA. Kuwedzerwa kwemurairo uyu kwekugadziriswa kunopedzisa kupera musi waDecember 31, 2014. Congress inotarisa kuongorora kana kana kuparadzira Dambudziko reUshonga Inishuwarenzi Mutemo zvakare.
Ugandanga Kuparadza Matanho
Kukanganisa kwakaitwa kurwisana kwegandanga kwe 9/11 kwakafungidzirwa pa $ 40 biliyoni mune zvose zvinokanganisa pfuma nekurasikirwa noupenyu.
Vanhu vanosvika 3 000 vakarasikirwa nehupenyu hwavo panguva yekurwiswa uku muNew York City, Pennsylvania, neWashington, DC Izvi zvakashata zvakashata zvakamanikidza vatsigiri vese (iyi ndiyo kambani ye inshuwarisi ye inshuwarisi yekambani inotaura) kunze kwemusika. Pasina kubhadhara nemakambani ekudzorera uye kusakwanisa kunyatsokwanisa kutengesa ngozi idzi dzehugandanga, makambani einishuwarenzi akamanikidzwa kusabvisa kuparadzirwa kwehugandanga.
Ndiani Anoda Ugandanga Inishuwarenzi?
Vamwe vanogadziriswa mubhadharo vanogona kutarisirwa nevatengi vavo kutakura inshuwalisi yehugandanga sezvo mvumo yekugutsa basa kana kukweretesa inogonawo kudikanwa nehugandanga kune hupfumi. Uyezve, mabhizimisi aripo uko maitiro anozivikanwa ehugandanga akaitika anogonawo kudiwa kutakura inshuwarisi yehugandanga. Paunenge usina chokwadi, chengeta newaini yako yehushuwarisi uye bvunza kana iwe unotenderwa zviri pamutemo kutakura inshuwarisi yehugandanga. Zvichiri nani, chengeta nedhipatimendi rako rehurumende ye inshuwarisi. Kana iwe usingazivi kuti utaure sei nedhipatimendi rehurumende yehu inshuwaruri iwe unogona kuenda kune iyi National Association yeInishuwarenzi Commissioner (NAIC) yeUnited States Imitemo yeInishuwarenzi.
Mazhinji emakambani einishuwarenzi anotapa bhuzinishuwarenzi yehugandanga kunyange zvazvo kazhinji isingabvumirwi kunze kwevashandi vanobhadhara inishuwarenzi. Izvi ndechokuti vashandi vanobhadhara inishuwarenzi vanotungamirirwa nemifananidzo yezvematongerwo enyika inotsanangura avo vashandi vanofanira kupa zvikwereti kune-kune-basa kukuvadzwa pasinei nemhosva. Vashandi vanobhadhara mitemo haisi pasi pemhando imwechete yekusarudzwa seimwe mhando dze inshuwarisi nekuda kwemitemo yehurumende.
Kunyange kana iwe usina kutarisirwa kutakura inshuwarisi yehugandanga, zvingava pfungwa yakanaka kuti iwe utakure huwandu huno kana uchigara mune rimwe guta guru, nzvimbo inozivikanwa nekuda kwekurwiswa kwevagandanga kare kana iwe uchida kungokuvimbisa iwe, mhuri yako, zvinhu uye mabhizinesi zvinotsigirwa nehupfumi kune chero kurasikirwa kunokonzerwa nekurwiswa kwegandanga.
Nzira Yokutenga Kutyisidzira Inishuwarenzi
Iwe unogona kutenga chimiro chega chega chinotyisa chemishonga inshuwarisi kubva kune dzakawanda dzemiganhu yemishuwarenzi vatakuri. Mazhinji makambani einishuwarensi akakwanisa kukutengesa kugoverwa kwehushuwarisi yehugandisi kana iwe uchinzwa uchida iwe kana unofanirwa kuzvitenga iwe, basa rako kana bhizimisi rako.
Where To Buy Terrorism Insurance
Kune makambani einishuwarenzi anotapa inshuwarisi yehugandanga kana semutemo wekumira-oga kana chikamu chepurogiramu yekuparidzira.
Heano mapoka mapoka maunokwanisa kutarisana nawo kuti uone kuti zvipi zvingasarudzwa nomumwe nomumwe nokuda kwehugandanga hwekutengesa inshuwarheni; Chubb uye XL Group PLC Tarisa inshuwarisi inoshandiswa nemasangano kuti ave nechokwadi chokuti kambani yako yveshuwarenzi inokudzwa uye ine simba rakanaka rekushaya mari. Iwe unogonawo kutarisa rekambani yemishuwarenzi yemakambani ekurekodha manheru neBusiness Business Bureau kana kuburikidza neJD Power & Associates .