Izimfuneko zomshuwalense neminikelo yomshuwalense

Ukuphila kwanamuhla kubhekene nezingozi: izifo, izingozi, ukulahlekelwa umsebenzi, ama-cataclysms nokunye okuningi. Akekho ovikelwe, futhi uma kuvela izinkinga ezinkulu, akuwona wonke umuntu ongasiza, ngakho-ke kungcono ukuziqinisekisa. Inani elikhulu lezinkampani zisebenza emakethe yemisebenzi yomshuwalense , bonke banikeza izinsiza ezahlukene, izinkampani ezihlukahlukene zomshuwalense nemibandela - ngezinye izikhathi kunzima ukunquma. Ngaphambi kokukhetha inkampani yomshuwalense, udinga ukuqonda ukuthi le nqubo iyini. Uma ungazi, sizokusiza.

Umshuwalense uvele isikhathi eside futhi esigabeni sokuqala samaphrimiyamu yomshuwalense wawungumkhiqizo, hhayi imali. Abantu baye baqonda ukuthi kulula ukulahlekelwa imali, futhi kungcono ukukhokha kunokuba uhlale ungenalutho. Esikhathini sethu, umshuwalense ube yisikhungo sezomnotho esizimele, lapho izinkampani zizinquma khona inani lemishanguzo yomshuwalense, izinhlobo zomshuwalense kanye nemigomo yemvumelwano. Uma ukusho ngolimi olulula futhi oluzwakalayo, umshuwalense ukhombisa ukulahlekelwa okwenziwe iklayenti, ngokususelwa enkonzweni kanye nenani kuso.

Imishanguzo yomshuwalense yizinkokhelo ezikhokhelwa ngokuvumelana nenkontileka yomshuwalense yilabo abathintekayo Ngemuva kwalokho, kulezi zimali, isikhwama somshuwalense siklayenti sakha. Ikhamphani ngayinye yomshuwalense isungula amaphrimiyamu omshwalense, amazinga ayo kubalwa ngokuhlaziya. Lokhu kucatshangelwa: kungenzeka ukuthi kwenzeke isenzakalo esiqinisekisiwe, isikhathi somshuwalense, inani lomshuwalense, iminyaka kanye nesimo senkampani. Konke lokhu kuyinkimbinkimbi kakhulu, ngakho-ke yonke inkampani yomshuwalense izama ukwenza izimo zibe zihle kakhulu.

Umshuwalense wenza imisebenzi esemqoka emnothweni wanamuhla. Umsebenzi wokulondolozwa, njengama-deposit ebhange, unomthelela ekuqoqeni izimali kumakhasimende. Lokhu kusho ukuthi ekupheleni kwenkontileka yomshuwalense, zonke izinkokhelo zomshuwalense ezikhokhelwayo zingabuyiselwa kumnikazi, ngaphandle uma kwenzeka umcimbi onesiqinisekiso. Umsebenzi wokuvimbela usiza ukuvimbela amacala omshuwalense, isibonelo, izinkampani zingaqhuba ukuhlolwa kwezokwelapha phakathi kwamakhasimende abo ukuvimbela izifo ezimbi. Umsebenzi wokulawula uqinisekisa ukuphepha kwezimali ezakha amaphrimiyamu yomshuwalense kanye nokusetshenziswa kwazo kuphela uma kwenzeka umcimbi onesiqinisekiso obhalwe enkontileka.

Izinhlobo eziyinhloko zomshuwalense: umshuwalense wendawo (ikhaya, indlu, impahla, ibhizinisi), umshuwalense womuntu siqu (kusuka eziguleni, empesheni, umshuwalense wokuphila, abantu abahamba phesheya), umshuwalense wemfanelo kanye nomshuwalense wezingozi ezithile.

Cabanga ngabantu abathintekayo kwinqubo yomshuwalense:

- Abashuwalense. Lezi izinkampani nezinhlangano ezivunyelwe ukwenza imisebenzi yomshuwalense nokusebenza namakhasimende ngesisekelo sokuhweba.

- I-insured. Lokhu, okokuqala, thina, amaklayenti ezinkampani zomshuwalense. Abashuwalense baphetha isivumelwano nabashuwalense, bakhokhele amaprimiyamu omshwalense avumelwane futhi bathole isinxephezelo uma kwenzeka umcimbi onesiqinisekiso.

Njengabaxhasi - abakhokhela amaprimiyamu omshuwalense - abantu abalandelayo bangenza: izinhlangano namabhizinisi, osomabhizinisi ngabanye , ngabanye. Uma umuntu oyedwa enza njengomkhokheli kusuka ezigabeni eziningana, khona-ke inkokhelo yenziwa ngokwehlukana. Inani lemishayamu yomshuwalense ilawulwa yizwe futhi ingahluka phakathi nonyaka.

Umshwalense uyisihluthulelo sekusasa eliphumelelayo kuwo wonke umuntu. Ukuqinisekisa ikhaya lakho, imoto, impilo noma enye into, umuntu angaqiniseka - uma kunezinkinga, uzothola othile ukuba aphenduke. Wonke umhlaba ophucukile ukhokhela amaphrimiyamu yomshuwalense, uqinisekisa indawo yakhe yokuhlala kanye nezinye izinto zomgwaqo, ukuze ube nokuqiniseka esikhathini esizayo. Wonke umuntu anganquma izimo ezilungele yena, uhlobo lomshwalense kanye nenani. Ukuhlukahluka kwezinkampani kanye namafemu kunika ithuba lokukhetha. Ungasheshi, kungcono ukucabanga nokubala izikhathi eziningana, futhi ngemuva kokuphela kwesivumelwano. Zinike ukuthula kwengqondo futhi ujabulele ukuphila, uqiniseke ukuthi ungabuyisa njalo ukulahlekelwa kwakho.