ICoronavirus: Kungenzeka Kunyuke Izimangalo Zomshwalense we-P&C

Isifo seCoronavirus (COVID-19) siyaqhubeka nokusabalala emhlabeni wonke sibangela ukukhathazeka nokuphazamiseka okusabalele ezinhlanganweni, okuhlanganisa ukuvalela abantu ngaphandle ngokuzithandela noma ngokuzithandela. Izinkampani zomshwalense we-Property and Casualty (P&C) zingathola ukulahleka komshwalense wokubhala phansi ngqo ngenxa yokuqubuka kwalesi sifo. Kodwa-ke, ukulahlekelwa okungase kube khona akugcini nje ekulahlekelweni kokubhala phansi komshwalense. Ukushintshashintsha kwezimakethe ze-Equity kanye nokwehliswa kwezilinganiso zenzalo ngamabhange amakhulu ukuze kukhawulwe ukuwa komnotho okuvela ku-coronavirus kungase kuthinte imali engenayo yokutshalwa kwezimali ngenxa yokuguquguquka kokulahlekelwa kwemakethe okutholakele nokungafezeki.

Njengoba leli gciwane liqhubeka nokusabalala emhlabeni wonke, umthelela osheshayo ezinkampanini zomshwalense we-P&C uzoba ekubalweni kokutshalwa kwezimali kwezabelo kanye nempahla engenayo engenayo engaguquki, ethintwa ukulingana nokuntengantenga kwemakethe yebhondi. Imiphumela yokubhala ngaphansi ingase ingathinteki ngokwezinto ezibonakalayo okwamanje. Kodwa-ke, izimangalo zizoqala ukubonakala kwezinye izimboni ze-niche ezifana ne-hospitality, ezokuvakasha, ezokuthutha, nokuzijabulisa njengoba uhambo nemicimbi ikhanselwa noma abantu abaningi bengenwa igciwane.

Sibheka i-coronavirus njengomcimbi omkhulu wezomnotho okwamanje, ongeke uphumele ekulahlekelweni okubalulekile kokubhala phansi kwemboni ye-P&C iyonke. Kodwa-ke, eminye imigqa efana nokukhanselwa kwemicimbi kanye nomshwalense wokuhamba izoba nokwenyuka kwezimangalo.

Izimangalo Ezihlobene Ne-P&C Coronavirus Zizohluka Kuya ngohlobo Lomkhiqizo noma Umkhakha Wemboni Okhaviwe

Cishe wonke amaklayenti ezentengiselwano ezinkampani zomshwalense asengozini yokuthola ukuphazamiseka noma ukulahlekelwa okuthile ngenxa yokuqubuka kwe-coronavirus. Kodwa-ke, akukona konke ukulahlekelwa kwezomnotho okuzoholela ekukhokheni izimangalo njengoba lokhu kuzoncika ekutheni ukulahlekelwa kukhaviwe yini umshwalense, uhlobo lwemali ethengiwe, namagama epholisi, okungase kube nokukhishwayo okukhawulela izinkokhelo zokulahlekelwa okuhlobene nobhubhane.

Ezinye izinhlangano zinezinga eliphezulu lokuchayeka uma kuqhathaniswa nezinye, okuhlanganisa izinkampani ezisembonini yezokuzijabulisa, abakhiqizi abakhulu, kanye nezinkampani emikhakheni yezokuvakasha neyokwamukela izihambi. Lokhu kwabonakala esimweni somkhumbi we-Diamond Princess Cruise lapho igciwane lasakazeka ngokushesha phakathi nezinsuku ezimbalwa (bona uMbonisi 1). Lezi zinhlangano zingaba nenani elikhulu labantu abasebenza ezindaweni ezigxilile noma ziqoqe inani elikhulu lamakhasimende eligxile endaweni eyodwa—njengasemikhunjini yokuhamba ngomkhumbi, izindawo zokungcebeleka, izindawo zokungcebeleka, izinkundla zemidlalo, nethiyetha—lapho ukugcwala okukhulu kwabantu kungaphumela khona. ukusabalala kwegciwane ngokushesha.

Izinhlobo Zezinqubomgomo Zomshwalense we-P&C Ezingase Ziqaliswe ICoronavirus

• Umshwalense wokukhanselwa komcimbi: Lolu hlobo lokuhlinzekwa luhlinzeka abahleli bomcimbi isivikelo somshwalense ekulahlekelweni kwemali engenayo noma izindleko ezikhuphukayo ezingalindelekile ezibangelwa izimo ezingalawuleki njengezimo zezulu ezimbi, ukuphelelwa amandla, ukuhlehliswa, ukukhanselwa, ubuphekula, ubushoshovu bezepolitiki, noma ukuthuthwa komcimbi. Imicimbi eminingi ikhanseliwe noma yahlehliswa yizinhlangano emzamweni wokunciphisa ukusabalala kwaleli gciwane, okuhlanganisa nemidlalo eminingana yeSerie A e-Italy, ingqungquthela yabathuthukisi be-Facebook, kanye nomdlalo wombhoxo weZizwe Eziyisithupha phakathi kwe-Ireland ne-Italy.

• Umshwalense wokunxeshezelwa kwabasebenzi: Esimeni lapho umsebenzi ethola igciwane kumuntu osebenza naye onegciwane, umsebenzi angenza isimangalo sesinxephezelo sabasebenzi sokushintshwa kwemali engenayo noma izinzuzo zokwelashwa. Singase siqale ukubona lolu hlobo lwezimangalo luvela kubasebenzi bomugqa, izikhungo zezingcingo, abasebenzi basehhotela, njll.

• Umshuwalense wokuhamba: Lona umkhiqizo ohlinzekwa yizo zombili i-P&C (kwezinye izindawo) kanye nezinkampani zomshwalense wempilo. Umshwalense ngokuvamile uhlanganisa ukukhanselwa kwendiza; ukuphazamiseka kohambo; kanye nemithwalo eyebiwe, elahlekile, noma eyonakele. Iphinde ihlinzeke ngekhava yokulibaziseka, ukuphuma kwezokwelapha, kanye nezimo eziphuthumayo. I-DBRS Morningstar ilindele ukuthi kuzobikwa inani elikhulu lezicelo zomshwalense wokuhamba ngenxa yokukhanselwa okuhlobene ne-coronavirus.

• Umshwalense we-Supply chain: Lo mshwalense ubandakanya ukuphazamiseka kwebhizinisi okuvela ekubambezelekeni noma ukuphazamiseka ekutholeni izingxenye, imikhiqizo, izingxenye, noma amasevisi avela kubahlinzeki. Izinkampani ezithembele kakhulu kubahlinzeki bezinkampani zangaphandle ngezingxenye ezibalulekile noma isevisi zingase zikwazi ukwenza izimangalo ukuze zibuyise ukulahlekelwa ngenxa yokuphazamiseka.

• Okunye: Ezinye izinqubomgomo ezingase zibangele ukukhokha zihlanganisa (kodwa azikhawulelwe): ukuphazamiseka kwebhizinisi, isikweletu esivamile, abaqondisi nezikhulu, kanye nokufakwa kwesibopho sezomthetho sokungcola. Nokho, lokhu kuzoncika kakhulu emagameni enqubomgomo kanye nanoma yikuphi ukukhishwa okungase kushunyekwe ngaphakathi kwamagama.

Imali Engenayo Yokutshalwa Kwezimali okungenzeka Ithinteke Esikhathini Esifushane

Ukuqina Kwamanani Kungase Kunciphise Umthelela Wokuguquguquka Kwezimakethe Enzuzweni Ephelele

Izinkampani zomshwalense we-P&C emhlabeni jikelele bezilokhu zinyusa amanani azo kakhulu kusukela ngo-2019, futhi lo mkhuba ubonakala uqhubekile kwaze kwaba ngu-2020, ngenxa yokuncipha kwamandla nokwanda kokulahlekelwa yizinhlekelele kusukela ngo-2017. yemiphumela yokuntengantenga kwemakethe yezezimali eqhutshwa yi-coronavirus kumaphothifoliyo wokutshalwa kwezimali, njengoba izinkampani zingase zisuse ukulahlekelwa kokutshalwa kwezimali noma imali engenayo edangele yokutshala imali ngemali engenayo ephezulu.

I-DBRS Morningstar yibhizinisi lomhlaba wonke lokulinganisa izikweletu elinabasebenzi abacishe babe ngama-700 emahhovisi ayisishiyagalombili emhlabeni jikelele