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2. 发明申请

US20080281642A1 Business method for insurance, warranty or mutual company coverage on concrete, asphalt, brick, stucco, block and stone 审中-公开
标题翻译：对混凝土，沥青，砖，灰泥，块石和石材的保险，保修或相互公司覆盖的业务方法
公开(公告)号：US20080281642A1
公开(公告)日：2008-11-13
申请号：US12151525
申请日：2008-05-07
申请人： Steven Michael Zimmerman
发明人： Steven Michael Zimmerman
IPC分类号： G06Q99/00
CPC分类号： G06Q40/08 , G06Q10/10 , G06Q50/16
摘要： This is a business method for concrete coverage insurance and warranty or service contracts for home or business owners calculated by figuring the square footage of an area. The premium is figured by demographics with deductibles in place for high or low loss. Policy duration will be determined by experience of loss, but for the time being, will last for five (5) years and will be transferable. This is possible using all the technology an insurance company has to offer in the industry today with inspections on an annual basis. This will be coverage that is not now written by any company. It is a valuable business asset to a concrete company in the business of repair and new and replacement concrete. The trained inspector will catch problems before they become major structural problems. At the same time, the company will be training property owners on loss prevention and maintaining their concrete. This business method of calculating a premium with fixed deductibles will leave a customer knowing his costs and will show how insurance companies can figure premiums.
摘要翻译：这是通过计算一个地区的平方英尺计算的家庭或企业主的具体保险和保修或服务合同的商业方法。保费由人口统计数据计算，具有免赔额，适用于高损失或低损失。政策期限由损失经验决定，但暂时持续五（5）年，可转让。这是可能的，使用保险公司今天在行业中提供的所有技术，每年进行检查。这将是任何公司现在没有写的报道。对于混凝土公司进行维修和更换混凝土业务，这是一项有价值的业务资产。受过训练的督察在遇到重大的结构性问题之前会遇到问题。同时，公司将对物业业主进行损失预防培训，保持具体水平。这种以固定免赔额计算溢价的业务方法将使客户知道其成本，并显示保险公司如何计算溢价。

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