Ukuqalisa izinto emajukujukwini lishishini elithembisayo, kodwa hayi kwiinkampani zeinshurensi.Unsplash Kule minyaka ingamashumi idlulileyo, ukwenziwa kweerokethi kuye kwaba rhoqo kwaye kukhuseleke ngakumbi. Izinga lokungaphumeleli kwemishini yasemajukujukwini — enabantu nabangafakwanga ngokufanayo- iye yehla ngokuthe ngcembe ukusuka kwinqanaba lama-20 ekhulwini ekuqaleni kweminyaka yoo-1960 ukuya amanani manani asezantsi kwii-2010s, ezithe zenze ukuba iindleko zokuqinisekisa ukuba ezi zinto ziqaliswayo ziyehla (ewe, iirokethi zifuna i-inshurensi njengeemoto), kwaye i-inshurensi yendawo ibonakala njengeshishini elilungileyo.
Inyaniso, ewe, inzima.
Enye into, i-inshurensi yendawo ayenzi mali ininzi ngalo mzuzu. Kunyaka ophelileyo, iirokethi ezili-114 zizonke zaye zasungulwa emajukujukwini, ngokuka INgxelo yokuSungulwa kwesithuba . Ukusuka kuyo yonke le mishini, i-inshurensi yendawo, iyonke, yaqokelela izigidi ezingama-450 zeedola kwiipremiyamu kwaye yahlawula i-600 yezigidi zeedola kumabango, ngokweedatha zeSeradata SpaceTrak. Oko kungumndilili kwindleko ezi- malunga ne-5 yezigidi zeedola ngokusungulwa kweinshurensi. Elona bango lokwazisa ngokusesikweni laliphezulu, kuba ayizizo zonke iirokethi ezazinesiqinisekiso.
Ke, njengemveliso yokuhlawulwa kwamabango aphezulu, ezinye zezona mpazamo zinkulu zokumiliselwa zihlala zilandelwa kukutshintshwa kwendalo kwi-inshurensi, ezinokunyanzela ezinye iinkampani zerokethi kunye nesathelayithi ukuba zithenge i-inshurensi ngokupheleleyo. (Ngokungafaniyo neinshurensi yemoto, i-inshurensi yerokethi ayinyanzelekanga.)
Sele kufakwe amabango amaninzi kulo nyaka. NgoJanuwari, iMaxar Technologies 'eneminyaka emibini ye-WorldView-4 ye-imaging satellite yahluleka ukujikeleza, yabangela ibango lezigidi ezili-183 kwincwadi yayo yeinshurensi. NgoJulayi, i-Vega rocket ye-European Space Agency ephethe isathelayithi yokujonga ezomkhosi kwi-United Arab Emirates yaphantse emva nje kokuphakanyiswa, okukhokelele kwilahleko ezizigidi ezingama-37 zeedola.
I-Munich Re yaseJamani yayingomnye wabashuwalense emva kokumiliselwa kweVega. Inkampani yase-Italiya yeAerospace Avio Aero, eyakha irokethi, yathi inenqanaba lempumelelo eliyi-100% ngaphambi kwesehlo.
Kungekudala emva kokungaphumeleli kweVega, i-Swiss Re-inshurensi yaseSwitzerland, umbhali ophambili kwicandelo lokuhamba ngenqwelomoya, wabhengeza ukuba izophuma kwindawo yentengiso, ekhankanya iziphumo ezibi zeminyaka edlulileyo kunye namaxabiso eprimiyamu angazinzanga.
Inkxalabo esisiseko yayingeyiyo intlawulo ebangwayo eyothusayo, kodwa umceli mngeni wokuqikelela ukuba ingakanani ipremiyamu yeinshurensi ekufuneka inyukile ngaphambi kokuba izehlo zenzeke kwaye ufumane umbono olungileyo wokuba amaxabiso angaya kwixa elizayo.
Kukho ukuvumelana ngokubanzi kweemarike ukuba umthamo weprimiyamu esiwubonayo namhlanje umalunga nesiqingatha sento ekufanele ukuba iyiyo, u-Dominique Rora, umgcini-sithuba esiphezulu kwi-inshurensi enkulu i-AXA, utshilo kwintetho e-Euroconsult IVeki yoShishino ngeSathelayithi eParis ekuqaleni kwale nyanga.
Kukho iqela labadlali beinshurensi abajonga indawo yabo okanye bayarhoxa kule ndawo yentengiso yeinshurensi, wongeza uRora. Kwinxalenye yokuqala yonyaka ka-2019, kwabakho ukuhla kwezinga lerhafu, kwaye ukusukela kwiminyhadala yeli hlobo, sibone ukonyuka… asikazi okwangoku ukuba amaxabiso azokuzinza njani.
Ukuba ukuphuma kwe-inshurensi emajukujukwini kuyaqhubeka, lonke icandelo leinshurensi linokusalela ngasemva kwishishini lesithuba esikhulayo. Uphando lwamva nje nguMorgan Stanley uqikelele ukuba, ngelixa uqoqosho lwesithuba sehlabathi luzakuphindeka kathathu kule minyaka ingamashumi amabini izayo ukugqitha i-1 yezigidigidi zeedola, icandelo leinshurensi yendawo liyokhula kuphela malunga neepesenti ezili-14- ukusuka kwi- $ 700 yezigidi ukuya kwi-800 yezigidi zeedola.
Ukanti, abanye abajongi basejongeni bexabisa isithembiso sexesha elide seshishini bakholelwa ukuba iinkampani zeinshurensi kufuneka zilinde nje ukungaqiniseki.
Ewe, umngcipheko unokuphakama kakhulu. Nangona kunjalo, le yindawo yezobuchwephesha apho kuya kuba lula kakhulu ukuqikelela umngcipheko, kuba iindleko zokungeniswa kwe-rocket, ezifana nokuhlawulwa komrhumo kunye nepetroli, kulula ukuyihlalutya, U-Andrew Chanin, Umphathi we-firm of firm firm InkquboAm , uxelele uMqwalaseli.
Umzekelo wokuchasana uya kuba yi-inshurensi ye-cyber, u-Chanin uqhubeke wachaza. Iinkampani kunye noorhulumente bachitha ngaphezulu kunakuqala kwi-inshurensi ye-cyber. Kodwa umba awazi ukuba uhlaselo lwe-cyber luza kuza nini, luza kwenziwa njani, isixa somonakalo, izinto ezilolo hlobo.
Kwi-inshurensi yendawo, njengoko ubungakanani besampulu bukhula kwaye iinkampani zeinshurensi ziqinisekile kwiimodeli zazo zamaxabiso, ziya kuba nakho ukuxabisa ngokuchanekileyo ezi zinto, wongeze watsho.
