Kuyini ukubhalisa?
Izinsizakalo zokubhalisa (UW) zinikezwa ezinye izikhungo ezinkulu zezezimali, njengamabhange, izinkampani zomshuwalense kanye nezindlu zokutshala izimali, lapho ziqinisekisa khona ukukhokha uma kwenzeka kulimala noma kulahleka imali futhi zamukele ubungozi bezezimali bomthwalo wemfanelo obuvela kulesi siqinisekiso. Isivumelwano sokubhala singahle senziwe ezimweni eziningana ezihlanganisa umshuwalense, izindaba zokuphepha ekunikezelweni komphakathi, nokubolekwa kwemali yibhange, phakathi kokunye. Umuntu noma isikhungo esivuma ukuthengisa inani elincane lezibambiso zenkampani ukuze sithole ikhomishini sibizwa ngokuthi i-underwriter.  Igama elithi "ukubhalisa" lisuselwa emakethe yomshuwalense iLloyd's yaseLondon. Abaxhasi bezezimali (noma abazibeka engozini), ababengamukela ingxenye yengozi ebhizinisini elinikeziwe (ngokomlando uhambo lwasolwandle olunobungozi obuhambisana nalo bokuchitheka komkhumbi) ukuze bathole i-premium, babebhala amagama abo ngokoqobo ngaphansi kolwazi lobungozi obalotshwe kusiphuzo sikaLloyd esenziwe ngale njongo. "