Kungiyar Inshora ta Manoma

Rukunin Inshorar Manoma (Manoma na yau da kullun) ƙungiyar inshorar Amurka ce ta motoci, gidaje da ƙananan kasuwanci kuma tana ba da wasu samfuran inshora da sabis na kuɗi. Inshorar Manoma tana da wakilai sama da 48,000 na keɓantacce kuma masu zaman kansu da kusan ma'aikata 21,000. Manoma shine sunan kasuwanci na musayar ra'ayi guda uku, Manoma, Wuta, da Mota, kowannensu na karkashin kulawar Manoma Group, Inc. a matsayin lauyan gaskiya a madadin masu rike da manufofin su. Farmers Group, Inc. mallaki ne gabaɗaya mallakar Zurich Insurance Group na Switzerland.

## Tarihi

### 1922 zuwa 2000

; 1922

Abokan haɗin gwiwar manoma na gaba John C. Tyler da Thomas E. Leavey sun fara haduwa bayan Tyler ya koma California. Tyler da Leavey dukansu sun girma tare da ƙauyuka kuma sun yi imanin cewa manoma da makiyaya, waɗanda ke da tarihin tuki fiye da na birane, sun cancanci ƙananan kuɗin inshora. A cikin 1920s, manoma a duk faɗin Amurka sun kafa kamfanonin inshora na juna da ƙungiyoyin haɗin gwiwar don samun manufofin da ba su da tsada. Tyler, ɗan mai siyar da inshora ta South Dakotan, da Leavey, wanda ya taɓa yin aiki a Ofishin Lamuni na Farm na Tarayya da Ƙungiyar Lamuni ta Ƙasa, sun gane cewa waɗannan manoma, makiyaya, da sauran direbobin karkara sun kasance kasuwa da ba a kula da su ba kuma suna son ƙirƙirar. kamfanin inshora na kansu.

; 1927

Tyler da Leavey sun sami lamuni daga wanda ya kafa Bankin Amurka, wanda ya ba su damar fara kamfani.

; 1928

Tyler da Leavey sun buɗe kofofin zuwa sabon kamfaninsu, Farmers Automobile Inter-Insurance Exchange, a cikin garin Los Angeles, California. Tyler ya yi aiki a matsayin shugaba tare da Leavey a matsayin mataimakin shugaban kasa. Wani manajan tallace-tallace da sakatare sun kammala ƙungiyar ma'aikata huɗu.

Ranar 28 ga Maris, 1928, aka yi taron farko na majalisar gwamnoni. Bayan kwana biyu, Charles Brisco ya ba da inshora na 1925 Cadillac Phaeton kuma ya zama abokin ciniki na Manoma na farko.

; 1935

An ƙaddamar da Musanya Inshorar Motoci, sabon mai inshore mai ɗaukar nauyi, don ƙware kan inshorar manyan motoci.

; 1936

Musayar Inshorar Manoma ta kasance mai kan gaba a cikin kuɗin da aka samu don inshorar mota ta National Underwriter.

; 1937

Sabon ginin hedkwatar da zai gina Manoma Automobile Inter-Insurance Exchange da Motar Inshorar Mota, wanda Walker & Eisen ya tsara a cikin salon Moderne, yana buɗewa akan Wilshire Boulevard. Architects Claud Beelman & Herman Spackler sun ƙara benaye 4 da filin lambun bene na bakwai don ma'aikata a cikin 1949.

; 1942

An ƙaddamar da Musanya Inshorar Wuta, mai insurer na uku, wanda ya ƙware a inshorar gida.

; 1950

Kamfanin Inshora na Tsakiyar-ƙarni ya zama reshen Canjin Inshorar Manoma. Baya ga inshorar inshorar da aka bayar ta asali na musayar uku, Tsakiyar-ƙarni ya ba da ɗaukar hoto don Inland marine, fashi, sata, layin sirri, gilashin faranti, zaɓaɓɓun shaidu, da masu iyo.

; 1953

Kamfanin Inshorar Rayuwa na Sabuwar Duniya na Seattle ya samu ta Manoma.

; 1959

Manoma sun fara shiga shekara-shekara a Pasadena Rose Parade, tare da ƙaddamar da sa hannu a faretin faretin da al'amuran al'umma a duk faɗin ƙasar.

; 1973

John C. Tyler ya mutu yana da shekaru 86. Thomas E. Leavey, wanda ya saura co-kafa, ya dauki matsayi na Shugaba.

; 1978

Thomas E. Leavey ma aikacine amma ya yi ritaya.

; 1988

Bayan yakin kwace na tsawon watanni takwas, BATUS Inc., reshen Amurka na kungiyar hada-hadar kudi ta Burtaniya B.A.T. Industries Plc, ya samu Farmers Group, Inc. akan dala biliyan 5.2 kuma ya zama shi kadai mai hannun jarin hannun jarin kamfani miliyan 68.

; 1989, 1991, da 1994

Masifu da yawa, manyan bala'o'i sun haifar da kalubalen kuɗi ga Inshorar Manoma. Girgizar kasa ta San Francisco ta 1989, Wutar Oakland ta 1991, da 1994 Northridge, California, girgizar kasa sune manyan bala'o'i uku. An kiyasta cewa asarar da girgizar kasa ta Northridge ta yi kawai ta kai dala biliyan 1.3.

; 1998

A cikin Satumba 1998, Zurich Financial Services Group an ƙirƙira shi daga haɗin gwiwa tare da kasuwancin sabis na kuɗi na B.A.T. Masana'antu na dala Biliyan 18.6 ta hanyar tsarin riko da dual

### 2000 zuwa yanzu

; 2000

A cikin Maris 2000, Musayar Manoma ta sami Babban Kamfanin Amurka (Ƙungiyar Inshorar Farko), babban marubucin gidajen da aka kera kuma fitaccen mai inshorar motocin nishaɗi, jiragen ruwa da sauran layukan sana'a.

A watan Agusta 2000, Manoma Financial Solutions sun yi rajista tare da Hukumar Tsaro da Musanya ta Amurka a matsayin dillali-dilla. Ta hanyarsa, Manoma sun fara ba da asusun haɗin gwiwa da samfuran inshora masu canzawa.

A cikin Oktoba 2000, an sauƙaƙe tsarin Zurich kuma an haɗa shi ƙarƙashin kamfani ɗaya na Swiss. Allied Zurich da Zurich Allied hannun jari an maye gurbinsu da hannun jari na sabbin hada-hadar Kuɗi na Zurich tare da jeri na farko akan SWX Swiss Exchange (alamar alama: ZURN) da jeri na biyu a London. Zurich Financial Services Ana siyar da Rasitocin Depositary na Amurka (ADRs) akan musayar hannun jarin Amurka.

; 2005

A shekara ta 2005, bayan da guguwar Rita ta afkawa Beaumont, Texas, ta bar ta ba tare da wutar lantarki ba, Inshorar Manoma ta kawo kusan masu gyara inshorar 300 don tantance lalacewar kadarori na waje don gaggauta aikin sake ginawa, ta ba da dala 100,000 ga cibiyar ayyukan gaggawa, da kuma megawatt guda biyu da ake bukata. masu samar da wutar lantarki.

; 2007

A cikin Yuli 2007, Musanya Manoma ya sami Bristol West Holdings, Inc., iyayen ƙungiyar masu inshorar ƙwararrun inshorar mota mara daidaito, wanda ke ba da inshora ga direbobi waɗanda bayanan tuƙi ko wasu matsalolin ke sa samun inshora da wahala.

A lokacin gobarar daji ta California a watan Oktoban 2007, Manoma na ɗaya daga cikin ƴan kamfanoni don kafa wuraren da za su taimaka wa abokan cinikinsu. Baya ga rubuta cak na farashin ƙaura, da'awar lalacewa, wurin kwana da abinci, kamfanin ya gudanar da tallace-tallace yana kira ga abokan cinikin su da su yi amfani da waɗannan wuraren. Kamfanin yanzu haka yana da motocin bas guda 2 da ke aiki a matsayin Cibiyoyin Umurnin Waya. Wannan cibiyar da'awar wayar hannu ta isa filin wasa na Qualcomm kwanaki biyu kacal bayan tashin gobarar.

; 2009

A cikin Afrilu 2009, Manoma sun ba da sanarwar cewa za su sami Inshorar Ƙarni na 21 daga AIG akan dala biliyan 1.9. Sayen ya sanya Manoma su zama haɗin gwiwa na uku mafi girma na layukan sirri a cikin Amurka Kaddarorin da aka samu sun haɗa da AIG Hawaii.

; 2014

Dangane da karuwar yawan guguwa mai kisa tsakanin 2010 da 2013, Inshorar Manoma ta fara "bincike samfurin da kananan hukumomi a fadin Amurka za su iya amfani da su don rage lokacin da ake bukata don farfadowar zama." Haɗin kai tare da SBP, ƙungiyar agajin bala'i da ta samo asali daga New Orleans, sakamakon shine littafin Playbook farfadowa da bala'i, tushen tushen kan layi. Tun farkon ƙirƙirar jagorar, an kawo AmeriCorps cikin ƙungiyar..

; 2020

A cikin Disamba 2020, Manoma Musanya da Manoma Group, Inc. (FGI) sun ba da sanarwar cewa za su hada hannu da dukiyoyin MetLife da kasuwancin da suka yi asarar rayuka (MetLife Auto & Home).

## Ayyuka

* **Kasuwancin Manoma**, wanda ke da hedkwata a Los Angeles, CA, musayar musayar inshora ce guda uku (Manya Inshorar Inshorar Manoma, Musanya Inshorar Wuta da Musanya Inshorar Motoci) inda membobin ke musayar manufofin inshora da juna ta hanyar Manoma Group, Inc. (FGI) kamar yadda lauya-a-hakika. Musanya Manoma, kai tsaye ko ta hanyar rassansu da alaƙa, suna ba da inshorar masu gida, inshorar mota, inshorar kasuwanci, da sabis na kuɗi a duk faɗin Amurka. FGI tana ba da sabis na aiki ga musayar, wanda ake biya ta ta kudade daga masu riƙe manufofin, ƙididdiga a matsayin adadin kuɗi. Ana ba da sabis na daidaita da'awar da biyan da'awar, kwamitoci, da ƙima da harajin shiga ga musayar ta FGI bisa ga yarjejeniyar biyan kuɗi tsakanin FGI da kowane ɗayan masu riƙe manufofin musayar. Musayar juna ƙungiyoyi ne marasa haɗin gwiwa waɗanda ba su da halaye na shari'a, don haka ma'auratan ba su da masu mallaka (saɓanin masu inshorar juna waɗanda masu tsare-tsare suka mallaka). Don haka, Musayar Manoma ba ta mallaki FGI ba, kuma FGI ko iyayenta na ƙarshe, Zurich Financial Services Ltd., ba su mallaki musayar ba.
* Ƙungiyar Inshora ta Farko, mai hedkwata a Grand Rapids, Michigan, rukuni ne na kamfanoni waɗanda ke tabbatar da samfuran musamman kamar gidajen hannu, gidajen motoci, tirelolin balaguro da wuraren zama na musamman, babura, motocin kashe-kashe, jiragen ruwa da jirgin ruwa na sirri. An kafa ta ne a cikin 1952 kuma Musanya Manoma ta samo shi a cikin Maris 2000. Kamfanoni na farko sune rassan musanya na manoma.
* Ƙungiyar Inshora ta Bristol West ta zama wani ɓangare na Manoma a cikin Yuli 2007. A cikin 1973, ta fara ba da inshorar motar fasinja masu zaman kansu ga mazauna Florida kuma yanzu suna ba da abin alhaki da inshorar lalacewa ta jiki - yana mai da hankali kawai ga motocin fasinja masu zaman kansu - a duk faɗin Amurka. Kamfanonin Bristol West rassan ne na Musanya Manoma.
* Inshorar Ƙarni na 21, mai hedkwata a Wilmington, Delaware, ya zama wani ɓangare na Manoma a cikin Yuli 2009. Amfani da intanit da tashoshi na tallace-tallace na amsa kai tsaye, Ƙarni na 21st yana sayar da inshorar mota na sirri ga masu siye a ko'ina cikin Amurka. Kamfanonin Inshorar Ƙarni na 21 ƙungiyoyi ne na Musanya Manoma. 
* Manoma Sabuwar Kamfanin Inshorar Rayuwa ta Duniya ta fara ne a matsayin Kamfanin Inshorar Rayuwa ta Katolika a Spokane, Washington a cikin 1910. Daga baya waccan shekarar aka sake masa suna New World Life Insurance Company. A cikin 1953, Farmers Group, Inc. ya samu. A cikin 1954, an canza sunanta zuwa Kamfanin Inshorar Rayuwa ta Manoma na yanzu. Manoma Sabuwar Kamfanin Inshorar Rayuwa ta Duniya yanzu tana cikin yankin Seattle na Bellevue, Washington. Yana ba da inshorar rayuwa mai sassauƙa ta duniya, inshorar rayuwa na al'ada, inshorar rayuwa gabaɗaya da abubuwan ƙima. 
* Farmers New World Life Insurance Company wani reshe ne na Farmers Group, Inc. Farmers Financial Solutions, LLC. Musanya Manoma ne ya ƙirƙira a cikin 2000 don samar da samfuran kuɗi ga abokan ciniki
*

## Kayayyaki da ayyuka
A Kayayyakin manoma da ayyuka sun hada da:

* inshora na mota;
* inshorar gida, gami da masu gida, inshorar kwarkwata da masu haya, inshorar gida na wayar hannu da ƙera, inshorar gida na musamman, gami da mai gida da kaddarorin haya, gidajen yanayi, da gidajen hutu, da inshorar ambaliyar ruwa ta Shirin Inshorar Ruwa ta Ƙasa; 
* inshora babur; 
* inshorar rayuwa, gami da inshorar rayuwa, 
* gabaɗaya da na duniya; inshora na nishaɗi, kamar inshora na jiragen ruwa, ATVs, RVs, da tirelolin balaguro;
* inshorar kasuwanci don ƙananan masana'antu da matsakaita, kamar inshorar abin alhaki da kadarori, inshorar mota na kasuwanci da ma'aikata diyya ga masu gidaje da masu mallakar kasuwanci, ƴan kwangilar sana'a, ƙungiyoyin masu gida, shagunan sayar da kayayyaki, masu ba da sabis, ofisoshi, ƙungiyoyin addini, ilimi da kungiyoyi masu zaman kansu, otal-otal, otal-otal, gadaje & karin kumallo, da sauran kasuwancin a cikin masana'antar hasken wuta, gidan abinci, tallace-tallace, da 
* sabis na motoci & masana'antu; kuma sabis na kuɗi da samfura, kamar kuɗaɗen juna da madaidaitan annuities.

## Tallafawa

### Filin Manoma
A cikin Fabrairu 2011, Manoma sun sanar da cewa sun amince da daukar nauyin filin wasan kwallon kafa a birnin Los Angeles. Wannan filin wasa zai kasance a cikin gari, kusa da Cibiyar Staples. An sanya hannu kan kwangilar na tsawon shekaru 30, kuma an kiyasta kudinta ya kai dala miliyan 700. Yarjejeniyar za ta fara ne da dala miliyan 20 a shekara ta farko, sannan daga bisani ta karu. An shirya yiwa filin wasan suna "Filin Manoma". An soke aikin filin wasan bayan Kroenke Sports & Entertainment sun sanar da nasu filin wasan da za a gina don zama gidan Los Angeles Rams da Los Angeles Chargers.

### An bude inshorar manoma
Manoma sun zama masu daukar nauyin gasar Inshorar Manoma ta Bude PGA a Torrey Pines, CA a cikin 2010. Lamarin na tara miliyoyin ga kungiyoyin agaji na San Diego na gida kowace shekara. www.farmersinsuranceopen.com

### NASCAR
Manoma sun kasance masu daukar nauyin No. 5 Chevrolet SS wanda Kasey Kahne ke jagoranta don Hendrick Motorsports a cikin jerin gasar cin kofin Monster Energy NASCAR daga kakar 2012 har zuwa karshen kakar 2017. Shekarar da ta gabata, Manoma sun ɗauki nauyin Mark Martin da ƴan shekaru kafin hakan, Travis Kvapil. Manoma ne suka fara gabatar da #hashtag akan motar tsere. Nasarar farko ta Kahne a lamba ta 5 ta kasance a Coca-Cola 600 na 2012 a Charlotte Motor Speedway. Manoma suna haɓaka dangantakarsu ta motsa jiki ta hanyar gidan yanar gizon Racing Farmers. A ƙarshen lokacin 2017, Inshorar Manoma ta bar Hendrick-wasan motsa jiki da NASCAR. Haɗin ya haifar da nasara 6 a cikin shekaru 6 tare ciki har da Brickyard 400.

## Talla
Tallace-tallacen Talabijin na Rukunin Inshorar Manoma galibi suna kewaye ne a kusa da "Jami'ar Manoma," cibiyar da farfesa Nathaniel Burke (J. K. Simmons) ke ilmantar da ma'aikatan Manoma game da da'awar inshora daban-daban da ba za a iya yiwuwa ba (sau da yawa sun shafi dabbobi masu lalata) kamfanin ya rufe..

## Rashin amincewa

### Karin ga ma'aikatun inshora na jihar
A cikin 2006, Inshorar Manoma ta sami mafi girman adadin ƙararrakin zuwa sassan inshora na jihohi a Washington da Oregon. 

### Shari'a

* A shekarar 2005, kamfanin ya ki biyan kudin wani hatsarin mota, saboda zargin wani direban ne ya haddasa hatsarin da gangan. Duk da ikirarin manoma, jihar Washington ta umarci kamfanin da ya biya kudin.
* A cikin Betty Jo Walker da Inshorar Manoma (2007), an ci tarar manoman dala miliyan 3 saboda rashin kare wasu magidanta masu iyaka daga wata da'awar sakaci. 
* A cikin Goddard v. Farmers Insurance (2008), an umurci manoma da su biya dala miliyan 2.5 don magance da'awar da rashin imani da kuma "wasan dutse" yayin tattaunawar sulhu. Asalin hukuncin diyya na dala miliyan 20. 
* A cikin Moeller v. Farmers Ins. Co. na Washington (2013), ana zargin kamfanin da gaza bin dokar jihar ta hanyar rashin biyan “raguwar kimar,” wato hasarar kimar da wasu motocin inshora suka yi ko da bayan an gyara su. An warware shari'ar da ake yi a matsayin wani abu da kamfanin ya biya wanda bai wuce dala miliyan 48.5 ba. Kamfanin ya musanta wani alhaki.
* A cikin 2015, Manoma sun fuskanci wani mataki mai tsauri daga na yanzu da tsoffin ma’aikatan da suka ce an rage musu albashi da hutu. An shigar da karar ne a karkashin Dokar Attorney General ta California ta wasu manyan wakilai hudu na kasuwanci wadanda suka yi iƙirarin cewa Manoma sun ƙirƙira su ba daidai ba a matsayin keɓe daga albashin kari lokacin da ake buƙatar su fiye da daidaitattun sa'o'i 8 a rana kuma don haka wani lokacin fiye da sa'o'i 40 a kowane mako. 
* Haka kuma a shekarar 2015, lauyoyin mata da dama da ke aiki a matsayin lauyan lauyoyi na cikin gida Manoma sun shigar da kara a gaban kotu inda suka ce an nuna musu wariya ta hanyar biyansu albashi kasa da lauyoyin maza a mukamai masu kama da juna da kuma mika musu su don samun damar talla. An daidaita matakin a watan Yunin 2016 ta wata yarjejeniya wacce ta ba da dala miliyan 4 ga membobin aji da kuma alkawarin da manoma suka yi na sauye-sauyen manufofin aikin yi da ke ci gaba. Wadannan za su hada da karin yawan lauyoyin mata a matakin karin albashi da kuma tsawon shekaru uku a lokacin da jami'in kamfani zai sa ido kan yadda aka bi yarjejeniyar, da ba da horo na banbance-banbance ga lauyoyinsa a cikin gida da kuma ba da rahoton ci gaba akai-akai ga hukumar. lauyoyin da suka wakilci mai kara a cikin aikin aji.
*

## Matsakaicin kuɗi

* A.M. Mafi kyawun Kamfanin 2008: A (Madalla)
* Moody's Investor Service 2008: A2 (mai kyau) 
* Standard and Poor's 2008: A (Stable)
*

## Tarihin sabis na abokin ciniki

* Indexididdigar gamsar da Abokan Ciniki ta Amurka ta 2006 da Jami'ar Michigan ta gudanar ta gano cewa gamsuwar abokin ciniki tare da Manoma yana daidai da matakin Dukiya da Masana'antar Rasa. Bugu da kari, matakin gamsuwar manoma ya kasance mafi inganci daga shekarar 2005 zuwa 2006 a tsakanin kamfanonin da aka yi binciken.
* A cikin Maris 2006, Rahoton Masu amfani sun ɗauki Inshorar Manoma ɗaya daga cikin "masu talauci" a cikin kamfanonin inshora 27 dangane da biyan kuɗi (auto) a cikin kwanaki 30 ko ƙasa da haka.
* A cikin JD Powers 2007 Collision Repair Gamsuwa Nazarin, wanda ya rufe abokan ciniki binciken tsakanin 2001 da 2004, Manoma Insurance sun sami mafi ƙasƙanci yiwuwa ratings a duk hudu na binciken Categories: "Gaba ɗaya Kwarewa," "Claim Settlement," "Da'awar Wakilci" da " Tsarin Da'awar da Tsari." Daga cikin kamfanoni 26 da aka bincika, an daure Manoma a matsayi na 20. 
* A cikin 2005, 2006, da 2007 Farmers Insurance Group sun sami lambar yabo ta J.D. Power don Kyautar Sabis na Abokin Ciniki na Cibiyar Kira. 
* A cikin 2008 Bristol West yana da rabon ƙarar 3.42 yayin da matsakaicin ƙasa ya kasance 1.0 bisa ga NAIC. [tabbacin kasa] 
* A cikin 2006, Inshorar Manoma ta sami mafi girman adadin ƙararrakin zuwa sassan inshora na jihohi a Washington da Oregon.
* 

## Dubi kuma
 

## Bayanan da aka ambata