Ngenxa yobuningi bomshuwalense, kungaba khona ukuthethwa kwezigwegwe ngezigaba eziningi zenqubomgomo yokuqonda. Umshuwalense ufaka isinxephezelo sesisebenzi, izimoto, izindlu, kanye nokunakekelwa kwezempilo - konke okungaholela ekubhekaneni nokuqiniswa kwezicelo nokugcwaliseka kwezinqubomgomo. Imboni yomshuwalense nayo ilawulwa kakhulu, okudinga ubuchwepheshe obungokomthetho obuhlala buhambisana nezinguquko kanye nezichibiyelo ezithinta ukuphathwa kwezinqubomgomo izinkampani zomshuwalense ezinikezayo nokuzicubungula.
Ngabe inzuzo yenkampani yomshuwalense incike ezinhlotsheni zezinqubomgomo ezibhalayo, inani lemaliyamuyamu elitholayo emisebenzini yokubhala phansi, kanye nenani lezinzuzo ezikhokhayo ezivela kumangalo ezenziwe ngezinqubomgomo zayo. Esikhundleni sokuthatha zonke izimangalo ngokubaluleka komuntu, izinkampani zomshuwalense zihlola ukuthembeka kwamacala, futhi ukwenza lokhu kudinga abasebenzi abanezobuchwepheshe. Ababambisene Bokuvikela Umshuwalense Weqhaza Ukugcwalisa umshwalense we-Insurance kungabandakanya inqwaba yezindaba zomthetho eziphathelene nezinqubomgomo zemishwalense kanye nezicelo. Abathenti bahlola ukuthi ngabe isicelo senziwe yini into ehlanganiswe ngokwemigomo yensivumelwano yomshuwalense. Isibonelo, isimangalo somonakalo esenziwe ngumninikhaya onenqubomgomo yomninikhaya ngaphandle kokufakwa kwezikhukhula kungenziwa inselele. Abathenti bafuna ukuvula amacala okukhwabanisa komshuwalense nokumangalelwa kwamanga, kuhlanganise nezicelo zezinxephezelo zabasebenzi lapho abasebenzi bengalimala khona ngendlela abaye bayitshela ngayo. Izinkampani zomshuwalense zizosebenzisa abameli bomshuwalense wokuzivikela ukuvikela abaphathi bezinqubomgomo ezimangalisweni ezenziwe ngokumelene nazo. Isibonelo, abameli bomshuwalense wezokuvikela bangase bamele umnikazi wezinqubomgomo zomshuwalense uma omunye umshayeli ephikisana nomnikazi wemithetho yomonakalo. Umshuwalense angase avuselele ukukhokhela ezinye izindleko, kodwa ukuba khona kwethimba elisemthethweni lingakwazi ukuholela emibhalweni enhle yokuhlala. Abathenti bayasetshenziselwa ngabashuwalense ukuze banqume ukuthi yiziphi izinhlobo zezinkontileka nemikhuba yebhizinisi inkampani yomshuwalense ehilelekile ekuhambisaneni nemigomo. Ngenxa yokuthi umthetho wezwe ulawula ngokuyinhloko imithethonqubo yomshuwalense, ababheki bomshuwalense bangathola ukuthi lokho okubheka ngokomthetho kwelinye izwe kungase kungabhekwa njengokomthetho kwenye. Isibonelo, izinkampani zomshuwalense zomshuwalense zingase zihluke kusuka kumbuso ukuya kumbuso, ngakho-ke abanikezeli besikhwama kumele baqiniseke ukuthi abayeki ukuhanjiswa kwezivumelwano ngaphambi kokuvunyelwa
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