Matenda a Coronavirus (COVID-19) akupitilirabe kufalikira padziko lonse lapansi ndikupangitsa kuti pakhale nkhawa komanso kusokoneza mabungwe ambiri, kuphatikiza kukhala kwaokha modzipereka komanso mosasamala. Makampani a inshuwaransi ya Property and Casualty (P&C) atha kuwononga inshuwaransi mwachindunji chifukwa cha kufalikira. Komabe, zotayika zomwe zingatheke sizimangowonongeka chifukwa cha inshuwalansi. Kusinthasintha kwa msika wa equity ndi kutsika kwa chiwongola dzanja ndi mabanki apakati kuti achepetse kugwa kwachuma kuchokera ku coronavirus kungakhudzenso ndalama zogulira chifukwa cha kusinthasintha kwa msika womwe watayika komanso wosatheka.
Pamene kachilomboka kakupitilirabe kufalikira padziko lonse lapansi, zomwe zingakhudze kwambiri makampani a inshuwaransi a P&C zikhala pakuwerengera ndalama zomwe amapeza komanso ndalama zomwe amapeza, zomwe zimakhudzidwa ndi kusakhazikika kwachuma komanso kusakhazikika kwa msika. Zotsatira zolembera sizingakhudzidwe ndi zinthu pakadali pano. Komabe, zonena ziyamba kuwonekera m'mafakitale ena monga kuchereza alendo, zokopa alendo, mayendedwe, ndi zosangalatsa pomwe maulendo ndi zochitika zimathetsedwa kapena anthu ambiri atenga kachilombo.
Timawona kuti coronavirus ndizochitika zachuma pakadali pano, zomwe sizingabweretse kuwonongeka kwakukulu kwamakampani a P&C. Komabe, mizere ina monga kuletsa zochitika ndi inshuwaransi yapaulendo zitha kuchulukitsidwa.
Zolinga Zokhudzana ndi P&C Coronavirus Zidzasiyana Kutengera mtundu wa Zogulitsa kapena Zamakampani Zomwe Zaphimbidwa
Pafupifupi makasitomala onse amakampani a inshuwaransi ali pachiwopsezo chokumana ndi kusokonekera kapena kutayika chifukwa cha kufalikira kwa coronavirus. Komabe, sikutaya konse kwachuma komwe kungadzetse kulipidwa chifukwa izi zingadalire ngati kutayikiridwa kukuphimbidwa ndi inshuwaransi, mtundu wandalama zomwe zagulidwa, ndi mawu andondomeko, zomwe zitha kukhala zopatula zomwe zimachepetsa malipiro otayika chifukwa cha mliri.
Mabungwe ena ali ndi mawonekedwe apamwamba poyerekeza ndi ena, omwe akuphatikizapo makampani opanga zosangalatsa, opanga zazikulu, ndi makampani omwe ali m'gawo la zokopa alendo ndi kuchereza alendo. Izi zidawonekera m'sitima yapamadzi ya Diamond Princess Cruise pomwe kachilomboka kamafalikira mwachangu m'masiku ochepa (onani chiwonetsero 1). Mabungwewa mwina ali ndi anthu ambiri omwe amagwira ntchito m'malo omwe anthu ambiri amakumana nawo kapena amasonkhanitsa makasitomala ambiri omwe ali pamalo amodzi - monga m'sitima zapamadzi, malo ochitira tchuthi, mabwalo amasewera, ndi malo owonetserako zisudzo - komwe kuchulukana kwa anthu kungayambitse. kufalikira kofulumira kwa kachilomboka.
Mitundu ya Ndondomeko za Inshuwaransi za P&C Zomwe Zitha Kuyambitsidwa ndi Coronavirus
• Inshuwaransi yoletsa zochitika: Kupereka kwamtunduwu kumapereka chitetezo cha inshuwaransi kwa omwe akukonza zochitika kuti asatayike kapena kuwononga ndalama zomwe sanayembekezere zomwe zimachitika chifukwa chazovuta monga nyengo, kulephera kwamagetsi, kuyimitsa, kuyimitsa, kuletsa, uchigawenga, ndale, kapena kusamutsa chochitika. Zochitika zambiri zayimitsidwa kapena kuimitsidwa ndi mabungwe pofuna kuthana ndi kufalikira kwa kachilomboka, kuphatikiza machesi angapo a Serie A ku Italy, msonkhano wa oyambitsa Facebook, ndi masewera a rugby a Nations Six pakati pa Ireland ndi Italy.
• Inshuwaransi yolipirira antchito: Ngati wogwira ntchito atenga kachilombo kuchokera kwa wogwira naye ntchito yemwe ali ndi kachilomboka, wogwira ntchitoyo atha kubweza chipukuta misozi kwa wogwira ntchitoyo kuti alandire ndalama zina kapena kulandira chithandizo chamankhwala. Titha kuyamba kuwona zonena zamtunduwu zikutuluka kwa ogwira ntchito pamisonkhano, malo oimbira foni, ogwira ntchito ku hotelo, ndi zina zambiri.
• Inshuwaransi yoyenda: Ichi ndi chinthu chomwe chimaperekedwa ndi onse a P&C (m'malo ena) ndi makampani a inshuwaransi ya moyo. Inshuwaransi nthawi zambiri imakhudza kuyimitsa ndege; kusokoneza ulendo; ndi katundu wobedwa, wotayika, kapena wowonongeka. Limaperekanso chithandizo cha kuchedwa, kusamutsidwa kwachipatala, ndi zochitika zadzidzidzi. DBRS Morningstar ikuyembekeza kuti ziwongola dzanja zambiri za inshuwaransi zaulendo zidzanenedwa chifukwa chazimitsidwa zokhudzana ndi coronavirus.
• Supply chain insurance: Inshuwaransi iyi imayang'anira kusokonezedwa kwabizinesi chifukwa chakuchedwa kapena kusokonezeka pakulandila magawo, zinthu, magawo, kapena ntchito kuchokera kwa ogulitsa. Makampani omwe amadalira kwambiri opereka chipani chachitatu pazinthu zofunikira kwambiri kapena ntchito atha kunena kuti abweza zotayika chifukwa cha kusokonezedwa.
• Zina: Mfundo zina zomwe zingayambitse kubweza ndi monga (koma sizimangokhala): kusokoneza bizinesi, mangawa onse, otsogolera & maofesala, ndi kutetezedwa kwa zowononga. Komabe, izi zingadalire kwambiri pamawu a mfundo ndi zopatula zilizonse zomwe zingalowe m'mawuwo.
Ndalama Zamalonda Zomwe Zingakhudzidwe Pakanthawi kochepa
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Makampani a inshuwaransi a P&C ndi omwe amagulitsa ndalama zambiri m'misika yamalonda ndi ma bond. Chofunikira kwambiri cha coronavirus pakanthawi kochepa chikhoza kukhala popereka lipoti la ndalama zomwe amapeza chifukwa cha kusokonekera kwa msika wazinthu zomwe zakhazikitsidwa. Kugwiritsa ntchito miyezo yoyenera yowerengera ndalama kungapangitse kuti zinthu zipindule bwino kapena zomwe sizinachitike chifukwa chakusintha kwamitengo yamisika yachilungamo yazinthu zomwe zidayikidwa. Kusinthasintha kwa chiwongola dzanja kungakhudzenso kuwerengera kwa katundu wokhazikika, chifukwa mabanki apakati osiyanasiyana amachepetsa mitengo yawo yoyeserera kuyesa kulimbikitsa ntchito zachuma. Chiwonetsero chachiwiri chikuwonetsa kuti misika yakhala ikusokonekera kuyambira Januware 2, 22, pomwe World Health Organisation idanenanso za kufalikira kwa kachilomboka. |
Kuwumitsa Mtengo Kukhoza Kuchepetsa Kusokonekera kwa Msika pa Phindu Lonse
Makampani a inshuwaransi a P&C padziko lonse lapansi akhala akukulitsa mitengo yawo kwambiri kuyambira chaka cha 2019, ndipo izi zikuwoneka kuti zapitilira mpaka 2020, chifukwa cha kuchepa kwa mphamvu komanso kutayika kwatsoka kuyambira 2017. Zotsatira zakusokonekera kwachuma komwe kumayendetsedwa ndi coronavirus pamabizinesi azachuma, chifukwa makampani amatha kuchepetsa kutayika kwa ndalama kapena kutsika kwa ndalama zomwe amapeza ndi ndalama zambiri zolembera.
DBRS Morningstar ndi bizinesi yapadziko lonse lapansi yomwe ili ndi antchito pafupifupi 700 m'maofesi asanu ndi atatu padziko lonse lapansi
