Inkampani yeinshorensi "Liberty Mutual": ncomo umthengi nezilinganiso

Inkampani "Liberty Mutual" Igxininisa kakhulu kwiinkqubo inshorensi ngqo. Oku kuthetha ukuba intengiso zenziwa ngqo, ngaphandle njengabalamli. inshorensi kuthenga kuphela ngomnxeba, kodwa kwakhona nge website intlangano yakho kaThixo. Nohlolo "Liberty Mutual 'entle kwindawo yokuqala kuba ukusetyenziswa ziinkonzo kulula kakhulu kwaye elula. Le lomxhasi nangaliphi na ixesha le site ukufunda umbutho kunye nemiqathango yonikezelo ngeenkonzo, ngaphandle Ngxama ukuphakuzela, kwakunye unelungelo lokwazi ukuba kungakanani na malini enye okanye enye iphakheji.

Ngokuba bonke

"Inkululeko" - inshorensi yokuhamba, abaqhubi beemoto, kwakunye ukukhusela ubomi nkqubo, impahla, impilo. Iinketho thaca kakhulu kakhulu, kukho imiqathango eyongezelelweyo ezinokuthi zifakwe kule program, okanye ukugcina, abashiya. Bonke ekunika ngexabiso elifanelekileyo yenkampani. Umzekelo, inkqubo ebanzi inshorensi na "Liberty Mutual" phantse kabini zitshiphu ngaphezu khuphiswano. Ewe, kunye ne-inshorensi abakhenkethi phakathi iziphakamiso mbutho kwahluka ngokuphawulekayo kubantu abaninzi inshorensi ezinkulu. Ngeendlela ezininzi, le nto inkampani "Liberty Mutual" liye uthandwa kangaka nempumelelo, kwaye kwakhona ukuba ubukhulu becala HIV.

Malunga ne-61% yemicimbi - ziiprogram inshorensi zothutho, apho 14% labathengi zanyangwa CTP. Ukuya ku-23% abathengi abafuna lweenkqubo inshorensi yobomi. Ukuthabatha inxaxheba kulo - Kwiphulo ngokuzithandela. Kunjalo malunga ne-12% abathengi abafuna inshorensi kwiinkqubo impahla (ngaphandle iimoto). Idilesi ye kwinkampani ye-inshorensi kunye nolwazi lweerhafu eneenkcukacha kwi website lombutho.

yayiba umlando

inkampani kuqala bangena kwimarike kweenkonzo inshorensi ngo-1993. Ngoko ke "Liberty Mutual", ekuqaleni iinkonzo phantsi igama SC "udidi" akazange ayisekho kwinkampani ye-inshorensi. Lidla inguqu enkulu kubume bombutho kwenzeka ngo-1999 kunye nokudibana kunye eqinile "Lenstroymaterialy". Emva kweminyaka elithoba, bonke sezabelo bathengwa umntu ngokusemthethweni. Kwaye ke mbutho yaba phantsi kolawulo "Kit Finance". Reviews kwiinkampani insurance, elo watyelela kwiminyaka ikhona, "Liberty", ezi ngokupheleleyo ezahlukeneyo - ndibupholisele umgangatho abasebenzisi nkonzo, kodwa kwakukho abathile ababexela, ukuba umbutho - isipha zabakhohlisi.

Phantsi bank investment nkampani ezilawulwa kwakhona walitshintsha igama layo - ngoku yaziwa ngokuba "Kit Finance Insurance". Ke ukubuyekeza ku iinkampani ze-inshorensi waqalisa ukulawula i-HIV. iBhodi of Representatives wayesele ekuvakalisile izicwangciso ukutyala imali kwi-inshorensi ngqo. Le meko ayizange ukuphuhlisa ngendlela engcono - wehla kubunzima lwehlabathi yoqoqosho, awawabeka nganeno ngaseludinini lomlambo zonakalise. Ngoko ke umbutho inshorensi iye kwakhona awuyitshintshanga le boss elikhulu, kodwa waqhubeka lezimali.

imbali yanamhlanje

Ekuhambeni kwexesha lethu, intabalala iidilesi ze iinkampani ze-inshorensi kuthetha ntoni oku ishishini - a ethembisa kakhulu kunye nenzuzo. Kodwa ke ngo-2008, akubanga obucacileyo, ngoko izabelo ibhanki leyo, eziquka elizayo "Inkululeko", kwathengiswa ezilikhulu kuphela engange zangaphantsi ngambini. Phantse isiqingatha - 45% - bathenga Iziporo Russian, Alrosa.

Emva kwexesha, aba bantu baye ulawulo phezu ishishini inshorensi. Kungekudala Kovalchuk wafumana enye 9% izibambiso nkampani. Kwaye ngo-2012, phantse zonke sezabelo (99.99%) weza ephantsi kolawulo Liberty Mutual. "Inkululeko" - inshorensi yokuhamba, impahla, impilo, impilo, yaphunyezwa ngokuhambelana nemigangatho yezizwe ngezizwe, njengoko kunjalo ngoku umbutho yinxalenye corporation ngamazwe.

Useto gabalala

Ukuphonononga kwi igobhogobho "Liberty Mutual" ubukhulu becala HIV. Noko ke, inkampani ngokuqinisekileyo kuvavanywa kuphela nabathengi, kodwa iingcali kwiimarike ezinkulu. Nangakumbi, lo mlinganiselo esemthethweni ngetyala ngo-2017 - AA ++. Iingcali iqekelela ukuba inkampani iya kuzinza kwixesha elizayo sijonge kuyo.

inqanaba solvency yeinshorensi ithathwa phezulu, ngoko loo nkampani ngokwezimali kwaye uzinzile. Naso kahle izahlule iinkampani ze-inshorensi ezininzi zibonelela ngeenkonzo kummandla Russian Federation. Oku kuthetha ukuba iimpendulo kwi "Liberty Mutual" kwaye akayi kuba kubi kwixesha elizayo kunokuba kunjalo ngoku. Ngokubanzi, lo mbutho likufutshane inqanaba iinkampani, bavandlakanywe AAA. abahlalutyi abaninzi ukuqikelela ukuba kwixesha elizayo ezi nkampani ziya kuba nako ukuphumeza eli nqanaba entsha kukuthembeka.

"Inkululeko Mutual": ihamba phambili

Ukuphonononga kwi igobhogobho "Liberty Mutual" i-HIV, umbutho isiseko esikhulu yomthengi lokwandisa ngenkuthalo kuyo. Ezintsha yenzelwe ukutsala abadlali abatsha ugcine kwahlaziywa ezindala, ngaloo ndlela nomtsalane kuluntu ukubonelela isindululo zilandelayo: le nkampani ukulungele ukusinceda ipolisi ye-inshorensi olubanzi ngaphandle akhangeleka ngayo Mhlawuli kwi-ofisi. Unako ukwandisa ixesha iinkonzo inshorensi, yokutsalela umnxeba simahla okanye ngokusebenzisa i-akhawunti eyeyakho kwiphepha le nkampani kwi Internet.

Ukususela nokubuyekezwa i "Liberty Mutual" kucacile ukuba imigaqo-nkqubo ezihlawulwa abathengi bafumana phantse kweso: bamgxotha ukuba i-ofisi yeposi. Ukuba umsebenzisi ulahlekelwa ileta - akuyongxaki. Le sayithi iKhabhinethi lobuqu apho uxwebhu lufumaneka ngalo naliphi na ixesha. Polis wasayina ngokungqongqo ngokomthetho - an yogesi, esenzeka oluphuculweyo ufihlo okhusela ngomgunyathi. La maxwebhu kusebenza ingxelo ngayo nayiphi na imeko.

Kuba abaqhubi beemoto: ukhuseleko kubo bonke zihlandlo

Nohlolo "Liberty Mutual" kwi imeko wabaqhubi bathi agents wanelisekile zombini inkqubo kunye nexabiso layo, kodwa ukusebenza izibophelelo yenkampani.

inkqubo Casco ikuvumela ukuba uzikhusele nesohlwayo ubusela, ukubiwa kwemoto, ibangele umonakalo yale ngozi. Kukho iimeko kwimeko apho umqhubi nemoto isithuthi sipakwe okanye ukubetha sisifundo esithile okanye isilwanyana. Ngaphandle kwityala-inshorensi ubusela kwamalungu ngamnye indlela.

imisebenzi ephambili ukuba abo boyika ziinkathazo

Ukuba oyifunayo, neprogram kumana kunye nokukhuseleka umngcipheko umonakalo, ilahleko kwezixhobo ezongezelelweyo. Uyakwazi uzikhusele kwingozi okanye acele iinketho ezongezelelweyo.

Ezi mpawu ezizodwa kakhulu ethandwa olucelwe wabaqhubi kwindawo kwinkampani ye-inshorensi;

• ukuhlawula amatyala inshorensi kwamanye amazwe, ingakumbi kummandla Schengen;
• ukukhuselwa ilahleko, ubusela, umonakalo amavili yengozi;
• intlawulo yeendleko kwimeko yesiganeko benefits ngokupheleleyo, ngaphandle ukuphelwa lixabiso.

Ukuba ipolisi ikhutshwa kwi-ofisi ingcali yenkampani liya kwazisa ngazo zonke ezi iinketho kwaye wenze ifanelekileyo a client ethile. Kodwa ukuba le polisi ofumana nkqubo nge-Internet, wandula ke wayiphakamisa nje maki kwi inkonzo efunekayo, yaye iya kufakwa kwixabiso. Phela, kwaoko uba libonakala, enika inkxaso ukuya kwixabiso elinye okanye elinye ithuba.

reinsurance uwunikela

Le software ibifumaneka kwiminyaka embalwa edlulileyo, kodwa ke wayeka. Kutshanje, inkampani yeinshorensi isaziso sokuba le nkonzo ifumaneka kwakhona. Abathengi ungakwazi yithenge yeepropati zabo. Kumele ukuba ipotifoliyo umlilo kunye neeprojekthi nokufakwa kunye nolwakhiwo. Uyakwazi inshorensi uxanduva lwabo nabanye abantu zomthetho bendalo. Ukuba kuyimfuneko, inkqubo likuvumela ukuba alungiselele nokukhuselwa imingcipheko zobunjineli ezahlukeneyo.

Isivumelwano nokubekwa site - kwimarike reinsurance yasentshona. Icala phambili umi Gen Re. Net line - 30 ezigidi US zeerandi. Amandla olucwangcisa ngokuzenzekelayo kwinqanaba 15 million. Okwangoku langoku kwengqukuva eligunyazisiweyo kwinkampani ye-inshorensi ngokwayo - 760 000 480.

Izimvo ze-inshorensi yokuhamba

Omnye wale misebenzi engundoqo kwinkampani ye-inshorensi (ngaphandle kunye nabanini imoto) - kukunikezelwa kweenkonzo-inshorensi yokuhamba. Ngokulinganayo inkqubo yingenelo kuwiselwa ukuya eRashiya, nabantu baye phesheya. Uhlalutyo lokuthelekisa amaxabiso ibonisa ukuba linikeza mhlawumbi amazinga kakhulu ukukhuphisana kweli lizwe.

Ke ukuba izimvo malunga "Liberty Mutual" phakathi abakhenkethi, iyafumaneka kwi ulwazi loluntu ngokubanzi inceda ukudala umfanekiso omhle kule nkampani. Kakade ke, xa zityelele (kunye nokufumaneka inshorensi - imfuno abaninzi visa) iimeko kungafane wadibana ugqityiwe ngokwemiqathango yale nkqubo, kodwa ukuba oku kwenzeka, njengoko ingxelo bebodwa ngabantu zabo, inkampani uhlangabezana njani nale yokwenza izibophelelo zalo. Nangona kunjalo, kubalulekile ukukhumbula - ngamaxesha obunzima, xa inkampani phantse kwiminyaka elishumi eyadlulayo, batshintsha abanini, umgangatho inkonzo kumgangatho osezantsi kakhulu.

UPawulos

"Inkululeko Mutual" yenye yezona iinkampani ze-inshorensi ezimbalwa ezifundisa abathengi yenkxaso yehlabathi olukhoyo ngapha kwe ixabiso elifanelekileyo. Ngaphandle kwento yokuba inkampani yinxalenye corporation ngezizwe, oko sijoliswe kubaxumi Russian kumanqanaba ahlukeneyo. Kukho ukunikela elungileyo kubakhenkethi, abanini imoto kunye nabo banqwenela ukuba inshorensi yezempilo kunye nempahla yabo. Kwakhona buyanceda ukusebenza kunye nemibutho kunye namashishini zabo bonke ubukhulu.

Ukuba uyakholwa lohlolo umsebenzi wombutho, thaca into eninzi kwi-World Wide Web, "Liberty Mutual" ixhasa abathengi abazibona nemeko enzima. Ngaphandle kwento yokuba inshorensi - le yenye yezi ntlobo ixakayo zamashishini, apho umthengi phantse lonk 'Qiniseka ukuba ukukhonza intlangano yakhe ukukopela, i "Liberty" kwakungenakwenzeka kungekho mfazwe. Oku kubonisa ngokucacileyo ukuba lo mbutho uthembekile, yaye ke ngoko, ukuba ndiwunikela kuyo imali yabo - isisombululo esifanelekileyo. imiqulu yoNyaka turnover yenkampani zibonisa ukuba abantu abaninzi sele eze kweso sigqibo.