酒店管理分析--释放成本——营业外支出部分2016.docx

酒店管理分析 释放成本——营业外支出部分

1. Have you competitively shopped your local insurance programme recently?
最近你是否购买了有竞争力的本地保险计划？
l Savings or coverage advantage may be obtained by allowing a competing carrier and/or broker to review your programme and policies
l 让竞争公司和/或代理人审核你的保险计划和保单也许能够让你获得节省或更优的保险范围。

2. Are your policy limits and deductibles in line with your current needs and premium budget?
你的保单限制和可减免的花费是否与你目前的需求和保费预算一致
l Consider lowering policy limits and increasing deductibles where allowable to save premium costs
考虑降低保单限制，增加可减免的花费，合理节省保费成本。

3. Are your policies being rated on an accurate exposure basis and premium properly calculated?
你的保单是否基于准确的预计风险进行定价，并且保费经过适当计算？
l Review Workers Compensation policies to ensure the payroll, experience modifiers and premium credits have been properly applied, review health insurance policies to verify only current eligible participants are on premium invoices and correct cost share amounts are being charged, review general liability policies to verify the exposure base and rate are accurate, and transport policies to verify only current vehicles are listed.
审核员工薪资保单，确保工资、经历调节及保费信用均得到了正确的应用，审核健康保险保单，验证只有当前合格的参加者才列在保费账单上，且收取的费用金额正确，审核一般责任保单，验证其预计风险基础和价格是否准确，审核交通保单，验证只有当前的车辆才列在内。

4. Are your loss prevention and accident investigation/ reporting processes in place and all employees properly trained?
是否具有损失预防和意外事故调查/报告的相关流程，所有员工是否接受过适当的培训
l Keeping your losses low creates a direct premium benefit to all insurance policies
保持低损失将为所有保险保单创造直接保费收益。

5. Are your insurance carriers financially stable and meet insurance rating requirements set by management / franchise agreements or lenders?
你的保险公司的财务状况是否稳定，并符合管理/特许经营协议或贷款方制定的保险等级要求？
l The benefit of an insurance policy is only applicable in the event the carrier has adequate resources to pay claims. Take active steps to minimize your exposure to carrier insolvency.
保险保单的收益能够适用的前提条件是保险公司具备足够资源支付索赔。主动采取行动将面临保险公司破产的风险降到最低。

6. Have you met key underwriters involved in your insurance program?
你是否会见了参与你的保险计划的主要保险商？
l It is important to differentiate your account from others by engaging in meetings and or telephone conversations with those individuals determining the price you will pay for insurance.
l Actively communicate any property improvements, Loss Prevention Audit scores, etc. –this could result in subjective rating credits on policy premiums.
将你的客户与其他人区分开来是至关重要的，可以通过参与会议和/或电话会谈，会见那些决定你将支付多少保险费用的个人。
积极沟通任何酒店修缮、损失预防审计的评分等方面的消息 – 这可以为保单保费带来主观等级信用。

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