Riaan 
Inani lamabhizinisi amancane angenawo umshwalense omncane liyakhula futhi izinhlekelele zezulu zigqamisa ubungozi bokuqhubeka kwebhizinisi kulabo abangenawo umshwalense omncane.
Izikhukhula zihlonzwe njengengozi yesibili ngobukhulu emhlabeni wonke kanye nengozi edlange kakhulu ezwenikazi lase-Afrika, nokulahlekelwa kwezomnotho okubi kakhulu kuka-R1.185bn embikweni wakamuva we-Aon Weather, Climate and Catastrophe Insight ka-2023, kusho uClayton Ellary, wase-Aon South Africa. izixazululo zobungozi bezentengiselwano.
“Nakuba izikhukhula zaKwaZulu-Natal zango-April 2022 ziphawulwe njengezehlakalo zezikhukhula ezinkulu kunazo zonke ezwenikazi lapho umnotho walahlekelwa u-R64.672bn, okukhathazayo kakhulu ukuthi u-18% kuphela welahleko wafakwa umshwalense.”
Uthi nakuba ukusungulwa kwezobuchwepheshe kuvumela ukuqonda okungcono njengoba kwenzeka izinhlekelele, okuvumela ukuhlolwa ngokushesha nangokucophelela komonakalo olandela umcimbi, umbiko uhlola ukuqina kanye nekhono lokunqoba imiphumela ehlobene nesimo sezulu.
Umbiko uqokomisa izizathu zokuthi kungani amabhizinisi kudingeka afake ukulahlekelwa okungaba khona okuvela ezingozini ezihlobene nesimo sezulu kuphothifoliyo yawo yomshwalense, ikakhulukazi emabhizinisini amancane naphakathi nendawo lapho umshuwalense ophansi ungakhinyabeza ukusimama kwebhizinisi ngenxa yokulahlekelwa okuqondile noma okukhulu.
FUNDA FUTHI: Ukusebenza noma ukuqhuba ibhizinisi elincane usekhaya kunemiphumela kumshwalense wakho
Ukungasho lutho komshwalense kungaba nemiphumela edabukisayo
“Njengoba ingcindezi yezomnotho ikhula, kuyaphawulwa amacala okushoda komshwalense wamabhizinisi, amabhizinisi amancane naphakathi nendawo ashayeke kakhulu. Esimeni sezinhlekelele zesimo sezulu, ezifana nomlilo nezikhukhula ezivame ukuholela ekulahlekelweni, ukukhokhelwa kancane komshwalense wendawo, imishini, izimoto, isitokwe, imishini kanye nokuphazamiseka kwebhizinisi kuzoba nemiphumela emibi kakhulu eshidini lebhalansi kanye nekhono lebhizinisi lokusimama. ukulahlekelwa okungaqinisekisiwe noma okungaphansi komshuwalense.”
U-Ellary uveza ukuthi amabhizinisi amancane afakwe umshwalense awahlali ehambisana nomthelela wokuntengantenga kanye nezinguquko endaweni yokusebenza kwawo, okusho ukuthi ukulinganisa kwawo kanye nemibandela yekhava yawo kungenzeka kudlulelwe yisikhathi.
“Amanye amabhizinisi angase afake umshuwalense wenani lemakethe lezakhiwo zawo kunokuba acabangele ukuthi kuzobiza malini ukuwakha kabusha ngamanani anamuhla. Kungenzeka futhi ukuthi ibhizinisi lishintshe imodeli yalo yokusebenza futhi ngenxa yalokho ukuchayeka kwalo kushintshile, kodwa lisasebenzisa izilinganiso zangaphambilini, eziphelelwe yisikhathi ezingasebenzi ezimweni zebhizinisi ezishintshile.”
Usebenzisa isibonelo sebhizinisi eliphethe amasheya amaningi emagcekeni ukuze alwisane nokuba sengozini kwe-supply chain. Leli bhizinisi kuzomele lihlole kabusha izibalo zalo ezifakwe kumshuwalense ukuze zibonise ushintsho kumazinga okuba nesitoko.
“Esinye isibonelo ibhizinisi elishintshe indlela elisebenza ngayo, lapho umshwalense angase adinge ukuba kuthathwe izinyathelo ezengeziwe zokuvimbela umlilo uma isimo sebhizinisi eliqhutshwa ezakhiweni sesishintshile.”
FUNDA FUTHI: I-ABC yomshuwalense wamabhizinisi amancane
Umshwalense wokuphazamiseka kwebhizinisi
Umshwalense ongaphansi kokuphazamiseka kwebhizinisi ungaba inhlekelele ekuqhubekeni kwebhizinisi kanye nekhono lokusimama, ngisho noma ngabe ukukhokhelwa kwempahla kukhona, uyaxwayisa. Ngokwesilinganiso, u-43% womshwalense wokuphazamiseka kwebhizinisi ungaphansi komshuwalense ngo-53%, ngokusho kwe-Chartered Institute of Loss Adjusters (CILA).
“Esinye sezizathu ukuthi isikhathi sokunxeshezelwa esiphezulu esikhethiwe siphenduka sibe sifushane kakhulu kunesikhathi sokuphazamiseka okudalwe yingozi enomshwalense wempahla. Umdayiseli wakho uzoba sesimweni sokwenza izibalo zokuphazamiseka kwebhizinisi ezifaka idatha efanele kwizibalo ezokuvumela ukuthi wenze isinqumo esinolwazi esizosekela ibhizinisi lakho kangcono ngesikhathi sokuphazamiseka,” kusho u-Ellary.
Umshwalense wokuphazamiseka kwebhizinisi ubalulekile ukuze kugcinwe ikhono lokukhiqiza imali yebhizinisi liqinile kulandela umcimbi ofakwe kumshwalense ofana nomlilo, izikhukhula noma ezinye izimo eziyinhlekelele ezingaphazamisa impilo yezezimali yebhizinisi.
“Kodwa naphezu kokubaluleka kokuqhubeka kwebhizinisi kanye nekhono lokululama ngokugcwele emcimbini wokulahlekelwa, izimali ezifakwe kumshuwalense zinganele ukumboza ukulahlekelwa okuyinhlekelele kanye nezindleko ezikhulayo zokusebenza ngesikhathi sokubuyisela.”
U-Ellary uthi iqiniso lokuthi amabhizinisi avame ukunikwa umshwalense omncane ngezimali zawo Zokuphazamiseka Kwebhizinisi ezinikezwe umshwalense kukhombisa ubunzima obukhulu obuza nokubala izamba ezifanele zomshwalense obhekelela imiphumela kanye nezindleko ezikhulayo zokusebenza kulandela umcimbi onomshwalense, njengomlilo noma uzamcolo.
FUNDA FUTHI: U-2023 uthembisa izinselelo eziningi namathuba amabhizinisi amancane
Cabangela lezi zici ezintathu
Uthi amabhizinisi amancane kumele acabangele izinto ezintathu ezibalulekile uma kuziwa ekubekeni izibalo ezifanele kanye nezikhathi zokukhokha zomshwalense weBusiness Interruption (BI):
- Isamba esifakwe kumshuwalense kufanele sibalwe ngokusekelwe enzuzweni yonke yomshwalense, hhayi inzuzo enkulu yezimali zokubalwa kwezimali. Lokhu kudinga ukuqonda okujulile kwamarekhodi ezimali zeklayenti kanye nezindlela zokusebenza zalo.
- Isikhathi sokubuyisela esihlotshaniswa nomshwalense we-BI sisho isikhathi esizosithatha ukuze ibhizinisi libuyele esimweni esibi kakhulu. Ukufaneleka kwenkathi yembuyiselo kudinga ukucabangela izici ezifana nohlobo lwebhizinisi nempahla yalo, njengemishini ekhethekile namathuluzi, isizini yebhizinisi nokuncintisana ngaphakathi kwemakethe. Uma ihhotela elisogwini libe nomonakalo omkhulu wesakhiwo kulandela isikhukhula njengesibonelo, isimangalo somshwalense we-BI singabukeka sihluke kakhulu phakathi nezinyanga zasebusika kunangenkathi yeholide ephezulu. Isikhathi sokunxeshezelwa sidinga ukubhekana nokubuyiselwa okuphelele kwesakhiwo, imiphumela engokomthetho engase ibe khona/ukubambezeleka uma kuhileleka uphenyo ngenxa yokulimala kwabantu, ukugunyazwa kwepulani lesakhiwo kanye nokulungiswa kwendawo.
- Nakuba ukuqhubeka kwebhizinisi ngokwakho kungeyona ingozi engenakukhokhelwa, ukuphathwa kwengozi okungekuhle kungenza ibhizinisi lingavikeleki. Imizamo yokunciphisa ubungozi eyenziwa yibhizinisi inomthelela obalulekile ekufanelekeni komshwalense kanye nezindleko zomshwalense. Esinye isici esibalulekile esibhekwayo ukuncika kwamanye amayunithi ebhizinisi ahlukene nokuthi ngalinye linamuphi umthelela ekuqhubekeni kwebhizinisi lonke. Isehlakalo esiyinhlekelele kuyunithi yebhizinisi eyodwa singathinta ezinye izigaba noma izinkampani ezingaphansi kwayo kuyo yonke inethiwekhi kanye nomthelela wokungalawuleki kumakhasimende nabahlinzeki, ingasaphathwa eyezisebenzi zakho.
“Enye yezindawo ezingabaliwe kahle kakhulu zeBI ukuthi kuzothatha isikhathi esingakanani ukunqoba inhlekelele bese ubuyela ebhizinisini. Ukuthola ulayini omkhulu wokukhiqiza noma imboni yokukhiqiza iphinde isebenze kungaba inqubo ende kakhulu, ngokwesibonelo, uma kuqhathaniswa nehhovisi lomphathi.”
U-Ellery uthi njengabeluleki bengcuphe, u-Aon usebenza namakhasimende ukuze aqonde uhlelo lwawo lomshwalense njengomsebenzi obalulekile wamasu hhayi nje umsebenzi womshwalense wokuhweba.
“Uma ukwanela kwezibalo ezifakwe kumshuwalense kanye namanani amenyezelwe angabalwa ngendlela efanele, umshwalense ngeke ukwazi ukubuyisela ibhizinisi endaweni efanayo naleyo yangaphambili kwengozi, kube nomthelela omubi kwezezimali nokusebenza.”
Uxwayisa osomabhizinisi abancane ukuthi bangavumeli umshwalense ongaphansi uphazamise ikhono labo lokululama esehlakalweni esikhulu futhi uyabanxusa ukuthi baxhumane nomthengisi onguchwepheshe ukuze bahlonze ngokuphelele, bahlole, balinganise futhi banciphise ubungozi ngendlela yokuphatha esekwe ezixazululweni ezibahlanganisa nezimo ezimbi kakhulu. .
