Abaphathi kwi-ecommerce bafuna uthotho lweinshurensi ukukhusela umdla walo msebenzi wobungcali kwifomathi ekwi-intanethi. Apho sisixhobo esibaluleke kakhulu ukuze ube ugqibelele ukuvuma ukukhusela, hayi kuphela umdla wakho wobuchwephesha, kodwa kunye neeasethi zakho kunye nezixhobo ze-IT. Apho eyona nto ibaluleke kakhulu kukuba yonke into isebenze ngokulungiswa okupheleleyo.
Ukusuka kulo mxholo ngokubanzi, kufanele kuqatshelwe ukuba i-inshurensi yeevenkile ezikwi-Intanethi ihlala i-inshurensi yorhwebo eyona njongo yayo ikukhusela zombini indawo okanye indawo yokugcina izinto, kunye neempahla okanye isitokhwe phambi komngcipheko ohlukeneyo (umlilo, ubusela, ukonakala kombane, amanzi, njl. njl.) kunye noxanduva lwasekhaya nakwiziko ngokwalo.
Ngayiphi na imeko, ukuba ishishini lakho kwi-Intanethi alinayo indawo ngenxa yokuba unikezela ngeenkonzo kwaye awuzithengisi iimveliso, into eqhelekileyo kukwenza isivumelwano seinshurensi yamatyala oluntu egubungela uxanduva lokuxhaphaza, umqeshi kunye neemveliso kunye nokuzikhusela ngokusemthethweni la mabango.
Ukuba unayo ivenkile ekwi-intanethi okanye ukhe wacinga ukuyicwangcisa, olu lwazi lubalulekile, nokuba kuyintoni na, luya kukunceda beka ivenkile yakho kwi-intanethi ngendlela elula kwaye ngokukhuselekileyo kangangoko kwimidla yakho
I-inshurensi ye-ecommerce: ukukhuselwa kwempahla
Ixabiso leinshurensi kwivenkile yakho ekwi-intanethi okanye kwishishini lixhomekeke ikakhulu ekubeni uyayiqinisekisa na indawo okanye awukhuseli uxanduva loluntu kuphela. Enye yezona zinto zifunwa kakhulu yile nto ibizwa ngokuba yi-inshurensi yokuthenga, engumgaqo-nkqubo weenkampani ezinikele kwintengiso yeemveliso ezigqityiweyo ngqo kumthengi.
Le mveliso iye ingxelo eguqulweyo kolu hlobo lokusekwa. Iziqinisekiso zeengcebiso zobuchwephesha kumgangatho nokhuseleko kunye nokwandiswa kwetyala loluntu, phakathi kwabanye, ukugqibezela ukhuseleko olufunekayo kunye neshishini lakho le-Intanethi.
Omnye wemigaqo-nkqubo eyimfuneko kolu hlobo lweshishini yile uthutho lomhlaba. Ngengqiqo yokuba kunceda ukuba nokhuselo olupheleleyo, nokuba ungumthumeli, umrhwebi, umthuthi okanye umququzeleli wemiboniso yobugcisa. Ngokunjalo, ibonelela ngemeko apho ijolise ikakhulu ekuhlangabezeni iimfuno zabanini bempahla. Lo mgaqo-nkqubo unyanzelisa i-inshurensi ukuba yazise ngohambo ngalunye olwenziweyo, ukuseka ireyithi nganye nganye ngokusekelwe kwintengiso eqinisekiswe yile mveliso yemali.
I-inshurensi ye-IT
Kwelinye icala, esi sibonelelo sibalulekileyo sikho ngaphakathi kwesi sibonelelo. Apho abasebenzisi, ii-freelancers kunye nee-SME banokubhalisa iindidi ezahlukeneyo zemigaqo-nkqubo ukugcina ukusebenza ngokufanelekileyo kwabo iikhompyuter okanye izixhobo zekhompyuter Ngeemveliso ezibandakanya ukugubungela ukulungiswa, ukufakelwa kunye nokugcinwa kweekhompyuter, ukulahleka kwedatha kunye nokonakala komzimba kwizinto zayo kwaye, ezilungiselelwe iilaptops; nangona, nangona kunjalo, abantu banokuhlala beqesha i-inshurensi yasekhaya ebandakanya ukugubungela ukulungisa ukusilela ekusetyenzisweni kweekhompyuter, kunye nenkonzo yokuncedisa ikhompyuter.
Enye into abasebenzisi abanokuthi bayirhumele yimigaqo-nkqubo yokuqinisekisa izixhobo ze-elektroniki zazo zombini ezobuchwephesha kunye nezabucala ezifakwe ekhaya okanye eziofisini kwaye zenzelwe abantu abanomdla wokuzifaka kwi-inshurensi, zombini zisetyenziselwa ubungcali kunye nabucala. Olu hlobo lweinshurensi ngokubanzi lugubungela imijikelezo emifutshane kunye nezinye izinto zombane (i-overvoltage, induction okanye i-inshurensi engeyiyo), iziphene ze-lubrication, ukusilela kwendibano kunye nokusebenza kakubi, phakathi kwezona ziqhelekileyo.
Ikwajongana nomonakalo wangaphandle onje ngomlilo, ukuqhuma, uqhankqalazo lombane ngqo, ubusela kunye nezinye izinto zendalo, phakathi kwezinye iimeko ezingxamisekileyo. Ngazo, siqala kwisiqinisekiso esisisiseko esichaphazela ukonakala kwezixhobo kunye nezinye izinto ezinokukhethwa ezibhekisa kumonakalo onokubangelwa ziziphathamandla zangaphandle kunye nokunyuka kweendleko zomsebenzi. Ixabiso lolu hlobo lweinshurensi lubalwa ngokusekwe kwiimpawu zesixhobo se-elektroniki, ubudala baso kunye nokusetyenziswa okusebenzayo ngaphakathi kwekhaya, iofisi okanye iofisi yobungcali.
Ukukhusela iiofisi
Ukulungiswa kwayo, kuyacetyiswa ukuba wazi umgaqo-nkqubo onqwenela ukuwungena, kuba unokubandakanya ukugubungela ukuba Umnini weofisi ayicingi i-inshurensi, nokuba ayiyidingi okanye ayiyibhatali ngokwasezimalini, yiyo loo nto abanye abantu beinshurensi bekhetha ukumilisela i-inshurensi ye "à la carte" kwintengiso, ibonakalise ukuba yeyomnini ngamnye.
Kufuneka kufunwe i-inshurensi ekhusela i-ofisi nganye ngeziqinisekiso, umzekelo, ezo zikumgangatho ophantsi komhlaba kufuneka zibandakanye, phakathi kwezinto ezingxamisekileyo, ezo zithatyathwa ziintlekele zemozulu (izikhukula, ukuqhekeka kwemibhobho, njl.njl.) ayinakuchaphazela indawo ebekwe kwizityalo ezifuna ezinye iimfuno.
Ngokwemvelo yabo, olu didi lwemigaqo-nkqubo lubalungele ngokukodwa abaqeqeshiweyo okanye abasebenzi abaziqeshileyo abanesidingo esingxamisekileyo sokukhusela indawo yabo nayo yonke into ekuyo, kwaye kungoko banokwandiswa banikwe neeofisi zobungcali.
Uxanduva lwaseburhulumenteni
Iinkampani ezininzi zeinshurensi ziye zaphuhlisa i-inshurensi yamatyala ngokubanzi, i-inshurensi ebanzi kakhulu ngenxa yokwahluka kunye nobubanzi bokugubungela kwaye iguquguqukayo ukuhambelana neemfuno zenkampani nganye. Le CR Inshurensi iqinisekisa ukhuseleko oluphezulu ngokuchasene namabango eqela lesithathu kulo naliphi na icandelo, kubandakanya imisebenzi yobungcali, yolonwabo kunye nokuzonwabisa.
Ngaloo ngqiqo, i I-inshurensi ejongene noTyala Jikelele Iyakuvumela inkampani yakho ukuba iqhubeke ikwazi ukuqhuba kakuhle kwezoqoqosho emva kokufumana amabango kubantu besithathu malunga netyala elivela kulo msebenzi, iimveliso okanye umsebenzi owenziweyo. Ukongeza, iya kukubonelela ngolona hlobo lubanzi lweziqinisekiso zokuziqhelanisa neemfuno zakho.
Ngenjongo yokuba abaphathi bayo abanakuwuphepha amathuba okuthatha naliphi na inyathelo elibeka emngciphekweni iiasethi zeshishini okanye libangele ilahleko kubantu besithathu. Ngesi sizathu, kulunge kakhulu ukuba ngaphakathi kwicandelo ledijithali umgaqo-nkqubo wezi mpawu unokwenziwa ube semthethweni. Ukujoliswa kubaphathi nakubalawuli ababonelela ngokhuseleko kulomonakalo onokwenzeka kubantu besithathu.
Phakathi kwezona zigqubuthelo ziphambili zinikezelwa yile mveliso yeinshurensi zizezinye ezichaphazelekayo njengoko siza kukubonisa apha ngezantsi:
- Uxanduva lwaseburhulumenteni kubantu abane-inshurensi
- Isiqinisekiso
- Iinkxaso-mali ezintsha
- Ukhuselo kumabango ongcoliseko
- Ukuvuselelwa komfanekiso woluntu
- Ulawulo lwezohlwayo nezohlwayo
- Uxanduva loluntu kwinxalenye yomseki
- Isiqinisekiso sokungabinamali
Ngelixa kwelinye icala, oko kubizwa ngokuba yinkampani yeinshurensi yomngcipheko omninzi kuyenziwa kwaye kuyilelwe ukuba kungabikho siganeko sibangela oko yeka umsebenzi wakho weshishini. Nayiphi na inkampani ichaphazeleka kwimingcipheko ethile ekulungeleyo ukuyazi.
Ukuba unayo nayiphi na imibuzo, sishiyele inombolo yakho yefowuni kwaye omnye wabacebisi bethu uya kuqhagamshelana nawe akunike lonke ulwazi oludingayo.
Ezi zezinye zezona meko zibalulekileyo kunye nokugubungela umngcipheko omkhulu ophuhliswe ziinkampani ezahlukeneyo zeinshurensi, phakathi kwezi zinto zilandelayo:
- Umonakalo wamanzi
- Iziganeko zendalo
- Ukophuka kweglasi
- Umlilo wezithuthi
- Ukutshintshwa komngundo kunye neefayile
- Ukuphanga okanye ubusela
I-inshurensi yabasebenzi
Nangona kolu hlobo lweemveliso zeinshurensi kuyinto eqhelekileyo ukuba banikwe ikhontrakthi ngokwahlukeneyo (i-inshurensi yomhlala-phantsi, imbuyekezo yemihla ngemihla okanye ukugula), kukho amathuba okunikezelwa ziinkampani ezithile zeinshurensi ezibabonelela ngokudibeneyo kubaxumi babo ngokusebenzisa "pack”I-inshurensi apho gubungela zonke iimeko ezingxamisekileyo kuchaziwe ngaphambili. Nangona izinga labo lehlabathi liphezulu, ugcino oluthile lunokufezekiswa kunokuba benesivumelwano ngomntu ngamnye, bebodwa, nkqu nakwiinshurensi ezininzi.
Esi sicwangciso asikaphunyezwa kunikezelo lwangoku, kodwa ungasoloko ukhetha imodeli yeinshurensi ehlangabezana nezi mpawu (okanye ezifanayo) kwaye enabamkeli bayo abaziqeshileyo, kwelinye icala ngabo bane Ukusilela okukhulu kufuneka bafumane olu hlobo lwezibonelelo zentlalo kwaye, ke ngoko, lolona lubalulekileyo ekufumaneni ezi nkonzo zempilo nezentlalo.
Izicwangciso ezigqibeleleyo zeengcali
Esinye isisombululo esifumanekayo kubantu abaziqeshileyo ukukhusela umdla wabo kukusebenzisa isicwangciso esibanzi esijolise kubantu abaziqeshileyo, abanokuthi benze ngaso imbuyekezo yengeniso elahlekileyo kwimeko yekhefu lokugula. Inokuphinda ibe nesivumelwano sokuqinisekisa ukuba ikhefu lokugula okanye ingozi, kwaye ke sinciphise inkcitho ebandakanya oku, abo bazisebenzelayo bafumana imbuyekezo ngelixesha bahlala bengasebenzi. Enye yeenzuzo zokuya kwesi sicelo se-inshurensi kukuba unokukhetha isicwangciso sokugubungela unyango, kunye nesiqinisekiso sokulaliswa esibhedlele nangasiphi na isizathu.
Ngokuqesha kwakho uwususa umngcipheko wokungafumani umvuzo wakho rhoqo ngenxa yekhefu lokugula, ngaloo ndlela ukhusele iiasethi zakho kunye nezosapho lwakho lonke ngokugcwalisa ingeniso yoKhuseleko lweNtlalo. Ikwavumela ukuba ufumane imbuyekezo yemihla ngemihla enokuba phakathi kwama-euro angama-20 ukuya kwangama-50, kunye nokufumana iinkonzo ezintsha okanye izibonelelo zonyango ngaphandle kwendleko ezongezelelekileyo kubanini bazo kwaye, kwezinye izindululo ezizezinye, kwanokuba kunokwenzeka ukuba ufumane isikhokelo somthetho ngomnxeba. inkonzo kunye nesikhokelo sonyango simahla. Kwinto eyenziwayo njengesisombululo seinshurensi kwiinkampani ezikwi-Intanethi.