Ngobukho beemeko ze-franchise kwisivumelwano, i-inshurensi yepropathi iya kuba luhlobo oluqhelekileyo lweinshurensi kwaye inani lezivumelwano ezinjalo likhula ngokungalawulekiyo. Umtsalane weinshurensi yepropathi ene-franchise icacile kwaye iyinzuzo macala omabini amaqela kwisivumelwano esisayinwe. Ithuba lokungagubungeli inxenye yomonakalo obangelwe, ngokwemali, engabuyiswanga kumxhamli kwaye engabhatalwanga yi-inshurensi, kwimeko yesiganeko se-inshurensi- oko kubizwa ngokuba yi-franchise, xa ufaka i-inshurensi ehambayo kunye nepropathi engenakususwa , ineenkalo zayo ezintle. Kwi-inshurensi, ubukho kwisivumelwano semali ebekiweyo, exhuzulweyo enemiqathango, kwisixa esimiselweyo okanye ipesenti elinganayo yemali yeinshurensi okanye ipesenti yelahleko, ivumela ukonga imali xa ukhupha ipolisi. Umxhamli ufumana ithuba lokuba angabuphelisi ngaphambi kwexesha ubudlelwane bekhontrakthi kwipolisi yeinshurensi, ukugcina ukuthembeka kwentlawulo yeinshurensi, kwaye ayifumane xa kubangelwe monakalo omkhulu kwizinto ezibonakalayo. Ngelahleko ezingabalulekanga, ngemali encinci, ukulungele ukuzimela, ngokuzithandela agubungele ilahleko yakhe, ngaphandle kokufuna imbuyekezo evela kwinkampani.
Ukubonakalisa kwisivumelwano se-actuary, ipesenti ye-franchise, inika ithuba lokuba kumnyama kubo bobabini ababandakanyekayo kubudlelwane besivumelwano. Kubukho bepropathi engabalulekanga kunye nelahleko yemali, ngohlobo lomonakalo omncinci, imikrwelo, iintanda, ilahleko ngamanzi avela kwinkqubo yokufudumeza, okanye ukuphumelela kwenkqubo yelindle, kulula ukuba i-inshurensi iphelise iingxaki ezincinci ngokwayo, ukulungiswa okuncinci yepropathi, kunokuba ubandakanyeke kwaye ubandakanyeke 'emaphepheni', ugcwalise amaxwebhu 'emfumba' xa ubhalisa imbuyekezo yemali. Ngaphandle koko, inkqubo yamaphepha ngokwawo inokubandakanya iindleko ezingangqalanga, ngaphezulu kobungakanani bomonakalo owenzekileyo, kunye nexesha, umgudu, kunye 'neerves' ezingafanelekanga. Ukucacisa ukusebenza kwe-franchise ye-inshurensi kunye nomnini-polisi, ubungakanani bokuqinisekisa kufuneka bugqithe kwinani lobuncinci obunokubakho kwaye banelise amaqela omabini kumaqela enza isivumelwano. Ngokweentlobo, ukongeza kwimeko exhuzulweyo, i-actuary yempahla, ezinye iindlela zisetyenzisiwe-ngaphandle kwemiqathango, okwethutyana, amandla, isiseko semigaqo yentlawulo. Ukuba kwisivumelwano seinshurensi yepropathi nesiqinisekiso esinemiqathango, ipesenti yomonakalo kunye nesona salathisi siphezulu, esimiselwe kwisivumelwano, sibaluleke kakhulu. Xa ibonakaliswe kwisivumelwano se-inshurensi- unciphiso olungenamiqathango, oko kuthetha imeko eyenziweyo xa inani lomonakalo wepropathi lingaphantsi kwembuyekezo yomshuwalense kwaye lincitshisiwe kubalo ukuba ilahleko ingadluli kwisixa esitsalwayo, ke oko angabuyiselwa kumnini-polisi.
Ukubonakaliswa kwikhontrakthi ye-inshurensi yepropathi-eqinisekisiweyo okwethutyana, kuthetha imeko apho ilahleko enokubakho yomnini-polisi isebenza ngokufanelekileyo kwisithuba esithile ngemihla yexesha elichaziweyo lokuncitshiswa. Ukuba kuncitshiswe okwethutyana, umhla obekiweyo we-inshurensi uphelile, intlawulo ye-inshurensi ayisebenzi kwaye ayihlawulwa. Isixa se-inshurensi yempahla eshukumayo enamandla ixhomekeke kwiimeko ezithile kwaye inokwahluka. Ubungakanani bomonakalo ongahambelani nembuyekezo buyahluka kwaye buzibonakalisa kwiinkampani ezahlukeneyo zeinshurensi ngeendlela ezahlukeneyo, umzekelo, kwimeko yokuqala ye-inshurensi, ikhulu leepesenti liyabuyiselwa, emva koko ubungakanani bentlawulo buncitshiswe ngama-20% okanye nangaphezulu. Inzuzo yeinshurensi yepropathi ene-franchise inemilinganiselo engathandabuzekiyo kwaye engenamiqathango, eyilelwe ukuqinisekisa ukukhuselwa okuqinisekileyo kokhuseleko lwepropathi yabantu kunye namaziko asemthethweni, ngentlawulo ethile. Ukusetyenziswa kwendlela ye-inshurensi yelungelo lokugcina imali inika ithuba lokunciphisa iindleko ze-inshurensi kunye nokugcina imali yomxhamli yokubuyisa ilahleko yemali.