Small Business Insurance Outlook 2023

Mawonekedwe a Inshuwaransi Yamabizinesi Ang’onoang’ono a 2023 – Mlangizi wa Forbes

Zolemba mkonzi: Timalandira ndalama kuchokera ku maulalo a anzathu pa Forbes Advisor. Makomiti samakhudza maganizo a akonzi kapena mavoti awo.

Monga mwini bizinesi aliyense akudziwa, kuyendetsa bizinesi kungakhale chinthu chowopsa. Kuchokera pa zonenedweratu pamilandu yanu mpaka kuwukiridwa pa intaneti, pali zoopsa zambiri zomwe zingasokoneze moyo wa kampani.

Kuyambira kukwera kwa inflation kupita ku chiwopsezo cha ogwira ntchito, izi ndizovuta zomwe zingakhudze zosowa za inshuwaransi yanu chaka chamawa.

Kufunika kwakukulu kwa inshuwaransi yamagetsi

Ndi kupita patsogolo kosalekeza kwaukadaulo, eni mabizinesi ang’onoang’ono amakumana ndi ziwopsezo zochulukirachulukira kuchokera ku ma cyberattack. Inshuwaransi yoyenera yabizinesi ndiyofunikira.

“Kuyambira June 2021 mpaka June 2022, Aquity Inshuwalansi yawona kuwonjezeka kwa inshuwaransi ya inshuwaransi yoposa 50% pa inshuwaransi yazamalonda,” akutero Paige Nelson, director of product development at Aquity Insurance.

Ngakhale mungafune kuti inshuwaransi yanu yaying’ono ikhale yotsika momwe mungathere, a Nelson akuti, kuwonjezera chitsimikiziro chamagetsi kudzakuwonongerani ndalama zochepa kwambiri kuposa kuwonongeka kwa cybercrime iliyonse. “Ku Acuity, mtengo wowonjezera chiphaso cha cyberprotection ku ndondomeko yabizinesi umayamba pafupifupi $260 pachaka,” akutero Nelson.

Ngakhale ma LLC akuyenera kuyang’ana inshuwaransi yamagetsi mu 2023.

atero a Erin Rudliff, wachiwiri kwa purezidenti wamkulu wamabizinesi ang’onoang’ono komanso wopanga zinthu ku Travelers Insurance.

Pofuna kuchepetsa chiwopsezo cha kuukira kwa intaneti ndi kuphwanya deta, Rodliff amalimbikitsa kuti eni mabizinesi akwaniritse izi:

  • Kuphunzitsa ogwira ntchito momwe angasungire zidziwitso zakampani kukhala zotetezeka.
  • Yambitsani zida za Multi-Factor Authentication (MFA) ndi Endpoint discovery and response (EDR).
  • Unikaninso inshuwaransi yanu yamagetsi ngati muli nayo.
  • Konzani dongosolo loyankhulirana pamavuto kwa maphwando amkati ndi akunja.

Kuchuluka kwa ntchito kumadzetsa chiwongola dzanja chambiri cha ogwira ntchito

Pafupifupi 3% ya ogwira ntchito aku America amasiya ntchito mwezi uliwonse kuyambira Meyi mpaka Seputembara 2022, malinga ndi US Bureau of Labor Statistics. Pafupifupi 1% ya ogwira ntchito adakhudzidwa ndi kuchotsedwa ntchito nthawi yomweyo. Pomwe chiwongola dzanja chikupitilira mpaka 2023, akatswiri a inshuwaransi akuti makampani akuyenera kuyembekezera kukwera kwa chiwongola dzanja cha inshuwaransi ya ogwira ntchito.

“Ife tikudziwa kuchokera ku data ya chipukuta misozi ya antchito athu kuti oposa gawo limodzi mwa magawo atatu a kuvulala kuntchito kumachitika m’chaka choyamba pantchito,” akutero Rudlev. “M’malo mwake, lipoti la 2022 Traveller Injury Impact Report – lomwe lidasanthula madandaulo olipira antchito opitilira 1.5 miliyoni pazaka zisanu – lidapeza kuti ogwira ntchito chaka choyamba amapeza 38% yamalipiro a antchito ang’onoang’ono.”

Monga eni mabizinesi ang’onoang’ono, mutha kuthandiza kuchepetsa mwayi wa matenda ndi kuvulala kuntchito posintha njira zanu zolembera antchito, kuphunzitsa, ndi chithandizo.

Kulephera kwa inshuwaransi ndi kuchepa kwa ogwira ntchito kumachedwetsa madandaulo a inshuwaransi

“Zovuta za kagawidwe kazinthu ndi zovuta zantchito zikupangitsa kukonzanso ndikusinthanso kukhala kokwera mtengo kwambiri – pamitengo komanso pakuchepetsa nthawi,” akutero Nelson wa Acuity.

Mwachitsanzo, tenga madandaulo a inshuwaransi yamagalimoto. Ngati muli ndi kampani yobweretsera katundu ndipo mukuchedwa kupeza zida zatsopano kapena galimoto yosinthira, zitha kusokoneza kwambiri ntchito zanu zatsiku ndi tsiku. N’chimodzimodzinso ndi zonena za katundu, pamene kukwera mtengo kwa zinthu zomangira ndi kuchedwa kukonzanso kungabweretse ndalama zotayika—makamaka ngati malo abizinesi anu sakhalamo.

Pofuna kuchepetsa ngozizi, Nelson akuti eni mabizinesi akuyenera kugwira ntchito ndi othandizira inshuwaransi kuti mabizinesi awo aphimbidwe moyenera.

Njira zopewera kutayika ndizofunikira kwambiri pabizinesi yanyumba

Chifukwa cha kuchepa kwa ogwira ntchito komanso zolephereka zomwe zikupitilira mpaka 2023, ndikofunikira kuti mabizinesi ang’onoang’ono aganizire njira zopewera kutaya.

“Zowopsa zachilengedwe zomwe zimachitika pafupipafupi komanso zoopsa kwambiri zimapangitsa kuti pakhale kufunikira kwakukulu kwa zida zomangira ndi antchito aluso, kukweza mtengo womanganso mabizinesi omwe akhudzidwa ndi moto wolusa, mvula yamkuntho, kusefukira kwamadzi, mphepo yamkuntho ndi matalala, komanso mtengo wokonzanso zomwe zidawonongeka chifukwa cha zomwe zakhudzidwa ndi moto kapena moto,” akutero Jack.” White, pulezidenti wa inshuwaransi ya malonda ndi malonda ku Farmers Insurance.

Zotsatira zake, eni mabizinesi ang’onoang’ono ayenera kuwunikanso inshuwaransi yanu yamalonda kuti muwonetsetse kuti muli ndi chitetezo chokwanira.

Malinga ndi White, eni mabizinesi ang’onoang’ono angafune kuganizira zopanga ndalama zopewera kutaya, monga:

  • Kuyika makamera achitetezo ndi makina opopera madzi
  • Perekani kasamalidwe kachitidwe ka magetsi, ng’anjo ndi madzi
  • Kukhazikitsa maola ogwirira ntchito, kuyang’ana chitetezo chamoto, njira zanyengo yoopsa, njira zotsekera, mapulani othawirako ozimitsa moto, komanso mayankho azachipatala.
  • Pitirizani kukhala aukhondo wamba kuti muteteze kutsetsereka ndi kugwa
  • Funsani ziphaso za makontrakitala ndi ziphaso, ziphaso za chitetezo cha chakudya ndi ukhondo

Inshuwaransi ya bizinesi idapangidwa kukhala yosavuta

Fananizani mawu aulere ochokera kumakampani apamwamba a inshuwaransi ku SimplyBusiness. Pezani inshuwalansi yanu pasanathe mphindi 10.

Zopindulitsa mwaufulu zikukhala “zofunikira”

Zopindulitsa mwaufulu ndizopindulitsa zomwe mumapereka kwa antchito anu zomwe angasankhe kuvomereza kapena kukana. Zitsanzo zamapindu odzifunira nthawi zambiri zimaphatikizapo inshuwaransi yolumala, ntchito zandalama, inshuwaransi yazaumoyo, chithandizo chazamalamulo, inshuwaransi yowonjezereka ya moyo, ndi inshuwaransi ya ziweto.

M’mbuyomu, phindu lodzifunira linkawoneka ngati labwino kwa ogwira ntchito, koma osati lofunikira.
Koma panthawi ya kukwera kwa mitengo, phindu lodzifunira lingathandize kukopa ndi kusunga antchito aluso. Ndi njira yabwino kuti antchito anu athetsere mtengo wamavuto osayembekezereka.

Mwachitsanzo, kulumala kwakanthawi kochepa kungathandize antchito anu kuti asamachite bwino pazachuma ngati akukumana ndi nkhani zachipatala kapena inshuwaransi ya ziweto ingathe kulipirira ngozi yadzidzidzi.

“Chifukwa chakuti mabizinesi ang’onoang’ono n’ngofunika kwambiri pa umoyo wa zachuma wa anthu a m’dera lathu komanso dziko lathu lonse, n’kofunika kupereka chithandizo cha inshuwalansi chamtengo wapatali panthaŵi ya mavuto azachuma,” anatero Rich Williams, pulezidenti wa Combined Insurance, kampani ya Chubb.

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