Inqubomgomo yomshuwalense wesilwane esincane ibiza imali engaphezu kuka-$ 300 ngonyaka, kanti izinhlelo eziningi zinikezwe ngezinga elingama $ 20 kuya ku-30% ngenyanga. I-agent yomshuwalense wesilwane iphindze icabangele izici ezihlukahlukene ezifana nobudala kanye nezinhlobo zezilwane, kanye nokuthi yiziphi izinhlobo zokufaka umnikazi ozofuna ukuzibandakanya (isib. Ukuhlinzwa, ukunakekelwa okuvimbela njalo, izidakamizwa zemithi) uma kunquma izindleko inqubomgomo. Izaphulelo zingase zitholakale emakhaya amaningi asezilwane.
Ngenkathi izinja namakati yizilwane ezifuywayo eziphephile kakhulu, kunezinhlelo ezihlukahlukene ezitholakalayo izinyoni, izilwane ezinwabuzelayo kanye nezinye izinhlobo ezidumile.
Umshwalense kumele ahlale efundisa ngembonini yomshuwalense, intuthuko yezokwelapha , kanye nezinketho ezithile zenkampani yabo. Ikhamphani yomshuwalense inganikela ngezifundo ezihlukahlukene zokuqeqesha njalo ukugcina ulwazi lwe-agent yabo kuze kube yimanje.
Izinketho zemisebenzi
Ama-inshuwalense wezilwane ezincane, kufana nezidakamizwa zokuthengisa izidakamizwa zezilwane , zingaba nezindawo zokuthengisa ngaphakathi noma ezitolo zokuthengisa.
Iningi lezimpahla zokuthengisa zomshuwalense wezilwane zisehhovisi elisekelwe "imisebenzi yangaphakathi yokuthengisa", kodwa kukhona izindawo zokuthengisa zendawo.
Izikhundla zangaphakathi zokuthengisa azibandakanyi okuningi (uma kukhona) ukuhamba; ukubuyela kabusha ibhizinisi ngefoni noma ku-intanethi. Izikhundla zokuthengisa emasimini zidinga ukuhamba njalo ezindaweni ezithile, njengoba i-reps ihambela amahhovisi wezilwane, ama-pet stores, imihlangano, kanye nezimboni zokuhweba izimboni zokuthengisa imikhiqizo yomshuwalense yenkampani yabo.
Umqashi omkhulu kunawo wonke wase-US embonini yomshuwalense wesilwane i-VPI (Veterinary Pet Insurance), eyasungulwa ngo-1982. Abanye abahlinzeki bomshuwalense omkhulu bahlanganisa uPeterCare, PetPlan, AKC Pet Partners, noTrupanion.
Imfundo Nokuqeqesha
Ama-inshuwalense omshuwalense wezilwane ngokuvamile aneziqu ebhizinisini noma ensimini ehlobene. Ama-agent kufanele abe nokuhlangenwe nakho ngokubhala, ukukhuluma komphakathi, amasu wokuthengisa, nobuchwepheshe obusekelwe kukhompyutha.
Okufanelekile, ama-inshuwalense ezinshuwalwane ezincane azothola isipiliyoni sangaphambili esebenza ensimini ehlobene nempilo , ikakhulukazi emtholampilo wezilwane, ngakho-ke bayokwazi kakade imithi yokwelapha kanye nesigamazwi.
Ama-agent kumele afakwe ilayisensi yombuso abahlela ukuthengisa izinsizakalo zomshuwalense. Izimfuneko zokulayisense zingashintsha kusuka kumbuso kuya kwesifunda, kepha izinkambiso eziningi zidinga izifundo zokulungiselela, ukuhlolwa, nokuqhubeka nokufundiswa ukugcina ilayisense. I-states enezinombolo eziphakeme kakhulu zezinkampani zomshuwalense ezilayisensi ziyiFlorida, eTexas, eCalifornia, eNew York nase-Illinois.
Umholo
Ingqikithi yenxephezelo yezinkampani zomshuwalense wezilwane ingafaka inhlanganisela yemali eyisisekelo, ikhomishana, amabhonasi, nezinzuzo zokunakekelwa kwezempilo. Izinsizakalo zensimu zingase futhi zisebenzise imoto yenkampani kanye ne-akhawunti yezindleko zebhizinisi.
Ingqikithi yenzuzo ingashintsha kabanzi ngokususelwa kumthamo wokuthengisa kanye neminyaka eminingi, kodwa izinkampani eziningi zomshuwalense wezilwane zingakulindela ukuthola imali phakathi kuka- $ 30,000 no-$ 100,000 ngonyaka.
Ucwaningo lwango-2010 yi-Bureau of Labor and Statistics ucwaningo lwabika ukuthi imiholo yonyaka yaminyaka yonke yama-inshuwalense ama-$ 46.770. Amaphesenti angu-50 aphakathi kuka-$ 33,070 no-$ 68,730 ngonyaka. Amaphesenti angu-10 aphansi kunawo wonke athola imali engaphansi kuka-$ 26,000 ngonyaka, kanti amaphesenti angu-10 aphezulu kakhulu athola imali engaphezu kuka-$ 113,000 ngonyaka.
UJobe Outlook
Abanikazi bezilwane bafuna izindlela zokunciphisa izindleko zokwelashwa ngokulimala nokugula kwezilwane zabo ezinyukayo. Inani lezilwane ezifuywayo ezikhushulwayo liye landa kancane eminyakeni edlule. Ucwaningo lwemakethe lubonisa ukuthi imboni yomshuwalense wezilwane yakhipha imali engaphezu kwamaRandi ayizigidi ezingu-350 ngonyaka wezi-2009, ukukhuphuka kuka-14% kusukela kwimali eyitholile ngo-2008.
Lelizinga eliqinile lokukhula lalihloselwe ukuqhubeka iminyaka emihlanu elandelayo.
Ngokwe-athikili e-New York Times, ngaphansi kwezingu-1% kuzo zonke izinja nezinja okwamanje ziqinisekisiwe, kodwa imboni ibonise izimpawu ezimakwe zokukhula eminyakeni embalwa eyedlule. Ngenkathi kunezinkampani ezingaba ngu-20 kuphela ezihlinzeka ngomshuwalense wesilwane, kanye nama-agent angaphansi kuka-1 000 okunikeza ukumela, lelo nani kulindeleke ukuthi likhule kancane eminyakeni eyishumi ezayo.
Ngenkathi i-Bureau of Labor ne-Statistics ingahlukanisi idatha ngokukhethekile kuma-pet agents, inhlolovo yabo ibonisa ukuthi inani lemisebenzi yazo zonke izinhlaka zomshuwalense lizokhula ngesilinganiso esiqinile cishe ngo-12% kusukela ngo-2008 kuya ku-2018.