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.

I-franchise yenkampani ye-inshurensi yiprojekthi efanelekileyo, ekuphumezeni oko, kuya kufuneka ukhumbule malunga nomngcipheko ochaphazeleke kuwo. Ishishini le-inshurensi ye-inshurensi inokuba yingozi enkulu ngenxa yokuba ujongene nemali kunye nezinto ezinokwenzeka. Kufuneka ube nesitokhwe esithile semithombo yezezimali kwimeko yomsitho we-inshurensi. Ngokunxibelelana ne-franchise, unokufumana ulwazi oluhlaziyiweyo kunye neprojekthi yeshishini esele yenziwe. Ukongeza, iteknoloji ekumgangatho ophezulu kunye nokwazi ngendlela eyahlukileyo akufuneki kujongelwe phantsi, kodwa endaweni yoko kusetyenziselwe ukufezekisa iziphumo eziphezulu. Sebenzisa i-franchise ngokufanelekileyo, uzise inkampani yakho ye-inshurensi kwinqanaba elitsha lobuchwephesha.

Uya kuba nalo lonke ithuba lokufumana iziphumo ezinomtsalane kolu khuphiswano kuba kuya kubakho ithuba lokuxhaphaza uphawu lwentengiso olaziwayo, ubuchwephesha obuphezulu, kunye nesakhono sokwakha nokusebenza ngokufanelekileyo kweprojekthi yeshishini. Inkampani yakho yeinshurensi iya kuba nakho ukufaka iiches ezikhokelayo ukuba ithengisiwe ngokulandela imigaqo evela kubameli befranchise.

Awudingi ukunika amathuba kubachasi bakho ukuze bakufumane. Ngokuchasene noko, qiniseka ukuba unokuhlala uhamba inyathelo elinye xa usebenza nefranchise. Emva kwayo yonke loo nto lithuba elikhethekileyo lokungena kwintengiso kunye nesibonelelo esele sikhona, enkosi apho uya kuba nakho ukuqinisa kwaye ixesha elide kwimowudi yokusebenza ehlala kwi-niches ekhokelayo. Inkampani yeinshurensi ethatyathiweyo ikwavumela ukuba utyebise i-franchisor. Emva kwayo yonke loo nto, kuya kufuneka uhlawule isixa semali esele sikho kwinqanaba lokuqala. Esi sisixa semali esiphathekayo, nesibalwa njengepesenti yotyalo-mali lwakho, ebonelelwa kwinqanaba lokuqala lomsebenzi.

Isicwangciso seshishini esenziwe ngokufanelekileyo nangokufanelekileyo sokwenza ishishini kwifranchise yeenkampani zeinshurensi ziya kukuvumela ukuba ujongane ngokulula nayo nayiphi na imisebenzi, nokuba babonakala kunzima kangakanani ngaphambili.

Ukongeza kwigalelo lesambuku, ukuncitshiswa kwenyanga kubonelelwa nakwinqanaba lokuqala. Ubukhosi obu, kunye nomrhumo, obizwa ngokuba yintengiso. I-inshurensi esebenzayo ye-inshurensi iya kukunika amathuba owafunayo ukuze uphumelele ukhuphiswano ngenqaku elibi kubachasi bakho. Yenza okungakumbi ngakumbi kubathengi bakho kunabo ukhuphisana nabo ngokuthe ngqo. Oku kuya kukunika ithuba lokujongana ngokulula nemisebenzi yayo nayiphi na into enzima, kwaye kuya kuqinisekisa inqanaba eliphezulu lokunyaniseka kwempawu. Iphulo lokwazisa xa ungena kwimakethi linakho ukwenziwa ngokuhambelana nemigaqo kunye nemigaqo ebonelelwe ngummeli wophawu.

Isicwangciso seshishini esenziwe kakuhle siya kukuvumela ukuba uphumeze ilungelo lokushishina kwinkampani yeinshurensi ngeziphumo ezilungileyo. Uyakwazi ukunciphisa iilahleko kwaye ngaloo ndlela uqinisekise ithuba lokuba lelona shishini likhuphisana kakhulu. Sebenza nokwandiswa kweenkqubo zeshishini, uzenze ngokufanelekileyo kwaye ngaphandle kokwenza iimpazamo. Kwakhona, ukuzenzekelayo akufuneki kujongelwe phantsi; ngokuchaseneyo, kufuneka isetyenziswe ngokusebenza ngokukuko.

Kwinkampani ye-inshurensi franchise, kuya kuba kuhle ukusebenzisa inkqubo yeCRM. Iya kubonelela ngesakhono sokuqhubekeka kwezicelo ezingenayo ngenqanaba eliphezulu lokusebenza. Sukwenza iimpazamo kwaye usebenze ngokwemigaqo, ube ngowona mdlali unokhuphiswano kwaye womelele kwintengiso. Ewe kunjalo, kuya kufuneka uhambelane nekhowudi yokunxiba xa uphumeza ilungelo lokuthengisa kunye nenkampani yeinshurensi. Mhlawumbi uya kunikwa iyunifom esele yenziwe, okanye kuya kufuneka uzithunge ngokwakho usebenzisa iipateni onazo. Ukongeza, ikhowudi yoyilo kufuneka ilandelwe ukufezekisa ubumbano olupheleleyo.

Iprojekthi yeshishini eyilwe kakuhle iya kubonelela ngazo zonke izixhobo zokuphumeza ngokufanelekileyo. I-franchise yenkampani yokwakha iya kwenziwa yincwadi yeshishini. Olu luxwebhu lwetayitile olinike ukuba ukwazi ukujonga eyokuqala nanini na.

I-inshurensi yokuzenzekelayo ye-inshurensi- igama elikuyo yonke indawo kwi-inshurensi yokuzithandela ibalulekile xa ukhusela imoto. I-inshurensi yokuzenzekelayo ye-inshurensi 'yilahleko engahlawulwanga'. Xa ujongene neinshurensi yemoto, ezona ntlobo zixhaphakileyo kunye neendlela ezisetyenziswa rhoqo zefranchise zinemiqathango, zingenamiqathango, kwaye zinamandla. I-inshurensi yemoto exhuzwayo enemiqathango ibonelela ngemiqathango esele kuvunyelwene ngayo yesivumelwano esenziwe phakathi kwe-inshurensi kunye nomnini-polisi ngenxalenye yomonakalo wezinto ezingenako ukoneliseka kunye nokungahlawulwa kwentlawulo yemali. Ukuxhuzulwa kuchazwa kumvuzo omiselweyo okanye ipesenti efanelekileyo yenani le-inshurensi okanye umonakalo owenziwe. Ngokudodobala okungenamiqathango - isixa sentlawulo ye-inshurensi sibalwa njengomahluko phakathi kwemali yelahleko kunye nemilinganiselo iyonke yokutsalwa.

IDynamic ivumela ukutshintsha ipesenti yegalelo lelahleko yezinto kumxhamli, kutshintsha inqanaba elingafakwanga kwiindleko zembuyekezo. Inkqubo eqinisekisayo yegalelo lenkampani ye-actuarial yahlukile kwaye ingahluka ngokuxhomekeke kwinani lamatyala, ukusukela kwikhulu leepesenti kwigalelo le-inshurensi yokuqala nangaphantsi kwamashumi amabini eepesenti kwiziganeko ezingxamisekileyo ezilandelayo. Eyona njongo iphambili kunye nokusetyenziswa kwe-auto franchise kukunciphisa inani lamabango e-actuary policyholders kumonakalo omncinci kunye nentlawulo encinci, encinci yemali. Kwinkqubo nganye yommiselo wobhaliso lomsitho one-inshorensi ngokuyinxenye, ukwenza imibuzo, amaxwebhu okuqhubekeka okuzenzekelayo, ukwenza zonke iintlobo zenkqubo yezobuchwephesha kunye novavanyo, intlawulo yemali ezenzekelayo iyenziwa, umndilili, ixabiso lilonke elihlala lidlula inani lesixa ilahleko eyenziweyo kwaye ikhokelela kubunzima obukhulu bexesha 'lokuchitha'. Kumnini weinshurensi, ilungelo lokushishina libonelela ngoncedo kwaye liyanceda ukunqanda iindleko ezingenangqondo, kwaye i-inshurensi- inika ithuba lokonga imali kunye nokunciphisa ngokubonakalayo ukubandakanyeka kwabasebenzi ukusombulula umsitho ohlawulelwayo. Ipesenti yokuqinisekisiweyo ichaphazela ixabiso le-inshurensi yemoto, ixabiso lalo esezantsi, iindleko ze-inshurensi eziphakamileyo, kunye nokunye. I-inshurensi ezenzekelayo eqinisekisiweyo ikhethwa kakhulu phakathi kwabaqhubi abacocekileyo abasoloko belandela indlela eyiyo yokuqhuba, belandela imigaqo yezithuthi, kwaye beqwalasele iindlela.

Nanku umgaqo wokuqhuba ngaphandle kwengozi kunye nokufumana izibonelelo zezinto ezifakiwe. Zimbalwa iingozi kunye neziganeko zeinshurensi, iifowuni ezimbalwa kwinkampani yeinshurensi, kwaye ke, ngokufanelekileyo, izaphulelo zepesenti kunye nezibonelelo zabathengi rhoqo, kunye nentlawulo yeinshurensi yothutho elandelayo. Kwifemu yeinshurensi, ngokuzithandela i-inshurensi yemoto enesiseko esikhulu sabaxumi abanamava lishishini elinenzuzo ezinzileyo.