Jaunajam uz\u0146\u0113m\u0113jam bie\u017ei vien rodas jaut\u0101jums \u2013 ar k\u0101du biznesu, lai s\u0101k nodarboties? Bie\u017ei vien, izv\u0113le kr\u012bt uz t\u016brisma nozari, kas nav nek\u0101ds br\u012bnums, jo cilv\u0113ki ce\u013co visu laiku, tas noz\u012bm\u0113, ka past\u0101v iesp\u0113ja g\u016bt pan\u0101kumus \u0161aj\u0101 biznes\u0101. Turkl\u0101t, t\u016brisms – ir ar\u012b jauks un interesants bizness (t\u0101 vismaz izskat\u0101s no malas), l\u012bdz ar to atv\u0113rtam, komunikablam un akt\u012bvam cilv\u0113kam ideja izveidot savu ce\u013cojumu a\u0123ent\u016bru \u0161\u0137iet \u013coti vilino\u0161a. Tik tie\u0161\u0101m, galu gal\u0101, k\u0101p\u0113c gan ne?!<\/p>\n\n
T\u0101tad, ja j\u016bs tie\u0161\u0101m izl\u0113m\u0101t – j\u0101, es gribu izveidot ce\u013cojumu a\u0123ent\u016bru, jums vispirms ir nepiecie\u0161ams izlemt, kas j\u016bs b\u016bsiet – t\u016brisma a\u0123ent\u016bra vai t\u016brisma operators. At\u0161\u0137ir\u012bba starp \u0161iem j\u0113dzieniem ir \u013coti noz\u012bm\u012bga. T\u016brisma operators \u2013 ir komersants, kas organiz\u0113 t\u016brisma pakalpojumu snieg\u0161anu un pied\u0101v\u0101 \u0161os pakalpojumus klientiem pa tie\u0161o vai ar t\u016brisma a\u0123ent\u016bru starpniec\u012bbu. T\u016brisma a\u0123ent\u016bra \u2013 ir komersants, kas t\u016brisma operatora v\u0101rd\u0101 pied\u0101v\u0101 vai p\u0101rdod pakalpojumus klientiem, ko ir sagatavojis t\u016brisma operators.\u00a0<\/p>\n\n
Citiem v\u0101rdiem sakot, t\u016brisma operators veido ce\u013cojuma paketi – t\u016brisma produktu, kas pamat\u0101 ietver transporta bi\u013cetes, transf\u0113ru, viesn\u012bcas rezerv\u0113\u0161anu, k\u0101 ar\u012b vair\u0101ku ekskursiju kopumu. T\u016brisma operators nosaka t\u016bres cenas un izstr\u0101d\u0101 atlai\u017eu sist\u0113mu. Savuk\u0101rt, t\u016brisma a\u0123ent\u016bra, faktiski, kalpo k\u0101 p\u0101rdev\u0113js vai starpnieks starp t\u016brisma operatoru un klientu. T\u016brisma a\u0123ent\u016bra neveido ce\u013cojuma paketi, bet gan \u012bsteno to. Viens t\u016brisma operators var sadarboties ar vair\u0101k\u0101m t\u016brisma a\u0123ent\u016br\u0101m.\u00a0<\/p>\n\n
Ir svar\u012bgi saprast, ka t\u016brisma operators ir piln\u012bb\u0101 atbild\u012bgs par t\u016brisma produktu. Tas noz\u012bm\u0113, ka visas pretenzijas ce\u013cojuma organiz\u0101cijas jaut\u0101jumos, vienalga, vai t\u016brists to ir ieg\u0101d\u0101jies pa tie\u0161o vai caur t\u016brisma a\u0123ent\u016bru, b\u016btu j\u0101izvirza pret t\u016brisma operatoru.\u00a0<\/p>\n\n
Ja j\u016bs nesaista doma vienk\u0101r\u0161i p\u0101rdot jau izstr\u0101d\u0101tus ce\u013cojumus, un j\u016bs v\u0113l\u0101ties pied\u0101v\u0101t klientiem savu no “A” l\u012bdz “Z” patst\u0101v\u012bgi izstr\u0101d\u0101to t\u016bri, tas noz\u012bm\u0113, ka j\u016bsu m\u0113r\u0137is ir – ieg\u016bt t\u016brisma operatora statusu. L\u016bk, tie\u0161i \u0161eit ar\u012b s\u0101k\u0101s jautr\u012bba, par ko jaunais, pilns entuziasma un jauno ideju uz\u0146\u0113m\u0113js pat nenojau\u0161. Tas ir tas, par ko m\u0113s gribam jums past\u0101st\u012bt.<\/p>\n\n
T\u0101tad, j\u016bs esat tikko re\u0123istr\u0113tas sabiedr\u012bbas ar ierobe\u017eotu atbild\u012bbu dibin\u0101t\u0101js un v\u0113laties pied\u0101v\u0101t klientiem ce\u013cojumus – nav svar\u012bgi, Latvij\u0101 vai \u0101rvalst\u012bs. Izr\u0101d\u0101s, ar vienu v\u0113lmi vien nepietiek – visi t\u016brisma operatori (t\u016brisma a\u0123ent\u016bras, starp citu, ar\u012b) ir oblig\u0101ti j\u0101re\u0123istr\u0113 T\u016brisma a\u0123entu un t\u016brisma operatoru datu b\u0101z\u0113, ko sauc par TATO. \u0160\u012b datu b\u0101ze, kas atrodas Latvijas Ekonomikas ministrijas pak\u013caut\u012bb\u0101, ir dibin\u0101ta 2010. gad\u0101, ministrijas kad st\u0101j\u0101s sp\u0113k\u0101 Ministru kabineta noteikumi Nr.353 par t\u016brisma operatora, t\u016brisma a\u0123enta un klienta ties\u012bb\u0101m un pien\u0101kumiem, kompleksa t\u016brisma pakalpojuma sagatavo\u0161anas un \u012bsteno\u0161anas k\u0101rt\u012bbu, klientam sniedzamo inform\u0101ciju un naudas dro\u0161\u012bbas garantijas iemaksas k\u0101rt\u012bbu. Saska\u0146\u0101 ar \u0161iem noteikumiem, Ekonomikas ministrijas pak\u013caut\u012bb\u0101 tika izveidota TATO datu b\u0101ze, kas uzkr\u0101j un aktualiz\u0113 inform\u0101ciju par t\u016brisma a\u0123ent\u016br\u0101m un t\u016brisma operatoriem, kas pa\u0161reiz darbojas tirg\u016b, k\u0101 ar\u012b par finan\u0161u garantiju, kas b\u016btu j\u0101sniedz t\u016brisma operatoram. TATO var izmantot ar\u012b potenci\u0101lie ce\u013cot\u0101ji, lai p\u0101rliecin\u0101tos, ka konkr\u0113ts komersants ir re\u0123istr\u0113jis savu uz\u0146\u0113m\u0113jdarb\u012bbu k\u0101 t\u016brisma a\u0123ents vai t\u016brisma operators, k\u0101 ar\u012b, lai p\u0101rliecin\u0101tos, ka izv\u0113l\u0113tais t\u016brisma operators sniedz klientu iemaks\u0101to naudas l\u012bdzek\u013cu garantiju.\u00a0<\/p>\n\n
Kas ir finan\u0161u garantija? Runa ir par t\u016bristu iemaks\u0101to naudas l\u012bdzek\u013cu garantiju, kuri ir pas\u016bt\u012bju\u0161i ce\u013cojuma paketi pie k\u0101da konkr\u0113ta t\u016brisma operatora. Tas ir meh\u0101nisms, ko ir izstr\u0101d\u0101jis likumdev\u0113js, lai aizsarg\u0101tu t\u016bristu intereses, paturot pr\u0101t\u0101, ka maks\u0101tnesp\u0113j\u012bgo uz\u0146\u0113mumu procents tie\u0161i t\u016brisma jom\u0101 ir \u012bpa\u0161i augsts. T\u0101p\u0113c, lai aizsarg\u0101tu t\u016bristus no gad\u012bjumiem, kad t\u016brisma operators nesp\u0113j izpild\u012bt savas saist\u012bbas attiec\u012bb\u0101 pret klientiem savas maks\u0101tnesp\u0113jas d\u0113\u013c, ir nepiecie\u0161ama garantija, lai kompens\u0113tu nodar\u012bto kait\u0113jumu, kas radies t\u016brisma operatora saist\u012bbu neizpildes gad\u012bjum\u0101, k\u0101 ar\u012b, lai atgrieztu t\u016bristu valst\u012b, kur\u0101 vi\u0146\u0161 uzs\u0101ka savu ce\u013cojumu.<\/p>\n\n
Lai n\u0101kotnes t\u016brisma operators var\u0113tu re\u0123istr\u0113ties TATO, vispirms tam ir j\u0101noform\u0113 t\u016brisma operatora saist\u012bbu apdro\u0161in\u0101\u0161ana ar apdro\u0161in\u0101t\u0101ja starpniec\u012bbu. T\u0101 ir noteikta veida apdro\u0161in\u0101\u0161anas polise, kas ir izstr\u0101d\u0101ta tie\u0161i t\u016brisma operatoriem, un kas tiek izdota katru gadu un, attiec\u012bgi, darbojas tikai gadu. Ja t\u016brisma operators nevar izpild\u012bt savas saist\u012bbas pret saviem klientiem, apdro\u0161in\u0101\u0161anas komp\u0101nija kompens\u0113 kait\u0113jumu klientam neveiksm\u012bg\u0101 ce\u013cojuma viet\u0101, un p\u0113c tam grie\u017eas pie pa\u0161a t\u016brisma operatora ar regresa pras\u012bbu.<\/p>\n\n
Augst\u0101k min\u0113tie MK noteikumi skaidri nosaka finansi\u0101l\u0101s garantijas apm\u0113ru – summa nedr\u012bkst b\u016bt maz\u0101ka par 28457,44 EUR. Tas noz\u012bm\u0113, ka t\u016brisma operatora apdro\u0161in\u0101\u0161anas summai ir j\u0101b\u016bt tie\u0161i t\u0101dai (t\u0101 var b\u016bt, protams, ar\u012b liel\u0101ka, bet pats galvenais – ne maz\u0101ka). Savuk\u0101rt, apdro\u0161in\u0101\u0161anas pr\u0113mijas apm\u0113rs, kas t\u016brisma operatoram katru gadu ir j\u0101maks\u0101 apdro\u0161in\u0101\u0161anas komp\u0101nijai, \u013coti sv\u0101rst\u0101s un var b\u016bt 300 l\u012bdz vair\u0101k nek\u0101 1000 eiro apm\u0113r\u0101.\u00a0<\/p>\n\n
L\u016bk, \u0161eit jauno uz\u0146\u0113m\u0113ju gaida nepat\u012bkams p\u0101rsteigums: izr\u0101d\u0101s, ka \u013coti maz Latvijas apdro\u0161in\u0101t\u0101ju pied\u0101v\u0101 \u0161\u0101da veida apdro\u0161in\u0101\u0161anu, bet to da\u017eu, kas pied\u0101v\u0101, starp\u0101 vairums atsak\u0101s noform\u0113t apdro\u0161in\u0101\u0161anu, uzzinot, ka uz\u0146\u0113mums ir tikko izveidots, un tam nav nedz apgroz\u012bjuma, nedz v\u0113stures, nedz reput\u0101cijas. Tas ir apburtais loks: lai uzs\u0101ktu komercdarb\u012bbu k\u0101 t\u016brisma operatoram, Jums ir nepiecie\u0161ams re\u0123istr\u0113ties TATO, bet lai re\u0123istr\u0113tos TATO, jums ir j\u0101ieg\u0101d\u0101jas t\u016brisma operatora apdro\u0161in\u0101\u0161ana, kuru vairums apdro\u0161in\u0101t\u0101ju nev\u0113las izsniegt!<\/p>\n\n
Tom\u0113r situ\u0101cija nav tik bezcer\u012bga. T\u0101s da\u017eas apdro\u0161in\u0101\u0161anas komp\u0101nijas, kas tom\u0113r piekr\u012bt sadarboties ar n\u0101kotnes ce\u013cojumu a\u0123ent\u016bru, kas v\u0113l nav p\u0101rdevusi nevienu t\u016bri, pied\u0101v\u0101 vair\u0101kus variantus, lai ieg\u016btu k\u0101roto apdro\u0161in\u0101\u0161anu. Pirmk\u0101rt, uz\u0146\u0113muma dibin\u0101t\u0101js k\u0101 \u0137\u012blu var pied\u0101v\u0101t savu \u012bpa\u0161umu (ar nosac\u012bjumu, protams, ka vi\u0146\u0161 ir nekustam\u0101 \u012bpa\u0161uma Latvij\u0101 \u012bpa\u0161nieks). \u0160aj\u0101 gad\u012bjum\u0101 attiec\u012bb\u0101 pret \u0161o \u012bpa\u0161umu tiks piem\u0113rota hipot\u0113ka, un, t\u016brisma operatora saist\u012bbu neizpildes gad\u012bjum\u0101, nekustamais \u012bpa\u0161ums var tikt p\u0101rdots, lai apmierin\u0101tu apdro\u0161in\u0101t\u0101ja pras\u012bbas. Otrk\u0101rt, uz\u0146\u0113m\u0113js var pied\u0101v\u0101t sevi k\u0101 galvot\u0101ju, sl\u0113dzot l\u012bgumu ar apdro\u0161in\u0101t\u0101ju par personisko galvojumu. \u0160aj\u0101 gad\u012bjum\u0101 uz\u0146\u0113m\u0113js ir atbild\u012bgs apdro\u0161in\u0101t\u0101ja priek\u0161\u0101 ar visu savu \u012bpa\u0161umu. Un, visbeidzot, ir tre\u0161ais variants: uz\u0146\u0113m\u0113js p\u0101rskaita t\u0101 saukto depoz\u012btu (pusi no augst\u0101k min\u0113t\u0101s summas – 28457,44 EUR) uz apdro\u0161in\u0101\u0161anas komp\u0101nijas bankas kontu, kur \u0161\u012b nauda tiek iesald\u0113ta uz visu apdro\u0161in\u0101\u0161anas polises darb\u012bbas periodu. Apdro\u0161in\u0101\u0161anas pr\u0113mijas apm\u0113rs, kas uz\u0146\u0113m\u0113jam ir j\u0101maks\u0101 apdro\u0161in\u0101t\u0101jam, ir atkar\u012bgs no izv\u0113l\u0113t\u0101 varianta – viena no trim augst\u0101k aprakst\u012btiem. L\u012bdz ar to summas ir at\u0161\u0137ir\u012bgas. Jo liel\u0101ks apdro\u0161in\u0101t\u0101ja risks – l\u012bdz ar to ir augst\u0101ks apdro\u0161in\u0101\u0161anas pr\u0113mijas apm\u0113rs.<\/p>\n\n
Turkl\u0101t, apdro\u0161in\u0101\u0161anas komp\u0101nija \u013coti r\u016bp\u012bgi izv\u0113rt\u0113 n\u0101kotnes t\u016brisma operatoru \u2013 ir j\u0101aizpilda pla\u0161a anketa un j\u0101atbild uz \u013coti detaliz\u0113tiem jaut\u0101jumiem, k\u0101 piem\u0113ram, ir j\u0101nor\u0101da, cik daudz t\u016bristu gad\u0101 ir paredz\u0113ts apkalpot, k\u0101das ir pl\u0101not\u0101 ce\u013cojuma izmaksas, cik t\u016bristu b\u016bs katr\u0101 t\u016brisma braucien\u0101, k\u0101ds gada apgroz\u012bjums tiek pl\u0101nots, utt.<\/p>\n\n
Lab\u0101 zi\u0146a uz\u0146\u0113m\u0113jam ir t\u0101da, ka p\u0113c gada, kad b\u016bs j\u0101ieg\u0101d\u0101jas jauna apdro\u0161in\u0101\u0161ana, apdro\u0161in\u0101\u0161anas komp\u0101nijas b\u016bs daudz labv\u0113l\u012bg\u0101kas, jo gada laik\u0101 t\u016brisma operators ieg\u016bs klientus, pieredzi, uz\u0146\u0113mumam jau b\u016bs apgroz\u012bjums, v\u0113sture, tostarp ar\u012b finan\u0161u v\u0113sture. T\u0101d\u0113\u013c apdro\u0161in\u0101\u0161anas polise jau otro reizi b\u016bs viegl\u0101k ieg\u016bt, un apdro\u0161in\u0101\u0161anas nosac\u012bjumi nav tik stingra, labi, apdro\u0161in\u0101\u0161anas pr\u0113mija b\u016bs zem\u0101ks nek\u0101 pirmo reizi. T\u0101d\u0113\u013c apdro\u0161in\u0101\u0161anas polisi otro reizi b\u016bs daudz viegl\u0101k ieg\u016bt, un apdro\u0161in\u0101\u0161anas nosac\u012bjumi neb\u016bs tik stingri, k\u0101 ar\u012b apdro\u0161in\u0101\u0161anas pr\u0113mija b\u016bs zem\u0101ka nek\u0101 pirmaj\u0101 reiz\u0113.<\/p>\n\n
M\u016bsu juridisk\u0101 biroja speci\u0101listi b\u016bs priec\u012bgi pal\u012bdz\u0113t potenci\u0101lajiem t\u016brisma operatoriem visos jaut\u0101jumos, kas saist\u012bti ar t\u016brisma biznesa organiz\u0113\u0161anu, ieskaitot pal\u012bdz\u012bbu apdro\u0161in\u0101\u0161anas polises noform\u0113\u0161an\u0101 un turpm\u0101ko re\u0123istr\u0101ciju TATO datu b\u0101z\u0113. Bez tam, m\u0113s pal\u012bdz\u0113sim atrisin\u0101t visus atliku\u0161os jaut\u0101jumus, kas saist\u012bti ar j\u016bsu uz\u0146\u0113muma veiksm\u012bgu uz\u0146\u0113m\u0113jdarb\u012bbas nodro\u0161in\u0101\u0161anu, tostarp t\u016brisma pakalpojumu l\u012bgumu izstr\u0101de vai t\u016brisma operatora intere\u0161u p\u0101rst\u0101v\u0113\u0161ana vis\u0101s instit\u016bcij\u0101s. Dro\u0161i grie\u017eaties pie mums, lai sa\u0146emtu detaliz\u0113tu konsult\u0101ciju \u0161aj\u0101 jaut\u0101jum\u0101. <\/p>\n","protected":false},"excerpt":{"rendered":"
Jaunajam uz\u0146\u0113m\u0113jam bie\u017ei vien rodas jaut\u0101jums \u2013 ar k\u0101du biznesu, lai s\u0101k nodarboties? Bie\u017ei vien, izv\u0113le kr\u012bt uz t\u016brisma nozari, kas nav nek\u0101ds br\u012bnums, jo cilv\u0113ki ce\u013co visu laiku, tas noz\u012bm\u0113, ka past\u0101v iesp\u0113ja g\u016bt pan\u0101kumus \u0161aj\u0101 biznes\u0101. Turkl\u0101t, t\u016brisms – ir ar\u012b jauks un interesants bizness (t\u0101 vismaz izskat\u0101s no malas), l\u012bdz ar to […]<\/p>\n","protected":false},"template":"","yoast_head":"\n\n\n\n\n\n\n\n\n\n\n\n\t\n\t\n\n\n\t\n\t\n\t\n