Insurance pāʻoihana ka pilikia

Nei, oi a oi pāʻoihana kanakaʻike nōʻo ia i ka mea nui ia mea, e lawe mai lapaʻau pāʻoihana kamepiula. Kēia kaʻina hana kuhi ia ke uku pau loa nae i ka hanana o ka hoʻopaʻa waiwai kekahi hanana. I mea, he hulina lapaʻau e kū'ē i nāʻano o nā poho.

O ka holo ana, he nui loa e ho'āʻo ana e hoola i kekahi ka waiwai a me ka mai i lawe mai lapaʻau pāʻoihana ka pilikia, e like me ia ma ka hihia o ka holomua 'ana o ka hana a ka lapaʻau ka uku nui loa e ole e hoi aku. Eia naʻe, e pono ke kūʻai 'ana i kumumanaʻo i ka lapaʻau lawelawe' ana mea i pono i nā mea hana, e emi i ka pilikia o ka panakalupa, akā, i mea hoike no ka pono o ka poʻe. No laila, no ka mea, nā kānaka hoʻopukapuka kālā hoʻokomo kālā he nui waiwai a me ka lua pele.

E kuhikuhi i kekahi mau 'ano o ka lapaʻau pāʻoihana ka pilikia, akā, ka mea a pau hilinai ma ka kumuhana a me ka hoʻopaʻa waiwai kekahi hanana. Pinepine nona imi e hoʻopale ai ia lakou iho e ku e Loaʻaʻia ka pōʻino ma luna nui hana a me nā ana, o ka oi aku ma ka huakūʻai hana. Pinepine paʻa lapaʻau waiwai luna 'kula mai ka luku ana i catastrophes a me na ino. Aie i kaʻano paʻakikī-yeiiiie? I loko o ka'āina i loko o nā makahiki, 'Imi insure kae hoʻokomo kālā a me ka waiho buke. A aie hui, ma ka huli, imi kona mau hana e hoʻopale ai, no laila, e hoʻopaʻa waiwai ku e ole-kaula o loan. Eia hou, na poo o ka nui poʻe maopopo maopopo ma waena o ka hoʻokumu paʻa, kālā a me ka waiwai kūʻai hana. Kēia ana ke kekahi hana e like me ka hōʻailona o ke kaawale ana o ka lapaʻau hoopii no kekahi ano.

Insurance pāʻoihana ka pilikia, e like me kekahi hana pono e hoʻopaʻa pepa paʻi kiʻi a me ka hooiaio ia ma na inoa o na aoao elua. Ma waena o ka lapaʻau poe, a me ka Customer kakau i kekahi palapala, i hoʻomōakaaka ma au mamuli o ka lapaʻau hoopii, i ka nui o ka papa'āweʻaweʻa kemika uku, malalo, e hoopii mai ai, a malalo o ka lapaʻau, e like me ka hoʻokumu paʻa pono a me ke kuleana, o na aoao elua. Hiki i keia manawa, poe akamai i hiki ole ke hali i kēia 'ano o ka lapaʻau i ka kekahi hana, no ka mea, i ka manaʻo o "kamepiula" ua manaoia e e he nui a me nā mea he nui facets. Ma keia manao, o ka entrepreneur mea hiki ke hoomalu ia lakou iho i ka pōʻino aie i ka haawi ana i hemahema waiwai, ka irresponsible hana o ka counterparty non-uku o ka receivables a me ka pōʻino mea waiwai.

I ka mea , lapaʻau pāʻoihana ka pilikia i hāʻawi mai i ka mea nana hilinai i loko o ka pomaikai o ka hana, i ka wa e kaawale aku o ka nui ka pōʻino i loko o ka ua wahi o ka hana. Ia mea ke kumu o kela mea keia hui ka 'āwīwī i insure lākou mau hanana. Ua hiki ka hōʻoi 'i ka poe o ka manaʻo maikaʻi, a' o ia hoʻi Kaʻahumanu hou waiwai kūʻai kumu e hōʻeleu i. A nui kiʻekiʻe o ka palekana a me ka pono o ka hui kālā hana mau hiʻohiʻona nō nā man- akia, e lawe mai loa-makahiki hoʻolālā.

O ka holo ana, pāʻoihana kamepiula lapaʻau E e mālama 'wale ka wā ma laila e hoʻoponopono pono. He aho pono ma mua o ka hopena o ka aelike, e Loiloi i ka degere o ka laulā o ia ka pili. No ka laʻana, ua hiki pakele olelo aku i ka waiwai o ka poʻe i loko o ke alo o ka lapaʻau 'aelike, e lilo ia i mea o ka nui luna ma mua i loko o ka hihia o kona kaawale.