{"id":115687,"date":"2025-06-03T14:54:10","date_gmt":"2025-06-03T14:54:10","guid":{"rendered":"https:\/\/rdnews.al\/?p=115687"},"modified":"2025-06-03T14:54:10","modified_gmt":"2025-06-03T14:54:10","slug":"nga-rreziku-ne-mundesi-roli-i-sigurimit-ne-hoteleri","status":"publish","type":"post","link":"https:\/\/rdnews.al\/index.php\/2025\/06\/03\/nga-rreziku-ne-mundesi-roli-i-sigurimit-ne-hoteleri\/","title":{"rendered":"Nga rreziku n\u00eb mund\u00ebsi: roli i sigurimit n\u00eb hoteleri"},"content":{"rendered":"<p><strong>Nga Avni Ponari<\/strong><\/p>\n<p><strong>CEO i SIGAL INSURANCE GROUP<\/strong><\/p>\n<p>Sezoni turistik po afron. Shifrat e viteve t\u00eb fundit rrisin pritshm\u00ebrin\u00eb p\u00ebr nj\u00eb ver\u00eb dinamike, si n\u00eb bregdet ashtu edhe n\u00eb qytetet tona. Pritet rritja e numrit t\u00eb turist\u00ebve, si t\u00eb rinj ashtu edhe t\u00eb rikthyer. Hotelet, resortet dhe strukturat akomoduese po p\u00ebrgatiten p\u00ebr t\u00eb p\u00ebrballuar k\u00ebt\u00eb fluks vizitor\u00ebsh. N\u00eb mesin e k\u00ebtyre p\u00ebrgatitjeve, si nj\u00eb nga sip\u00ebrmarr\u00ebsit e par\u00eb dhe pionier n\u00eb tregun e sigurimeve, ndiej detyrimin t\u2019ua kujtoj dashamir\u00ebsisht sip\u00ebrmarr\u00ebsve n\u00eb hoteleri dhe turiz\u00ebm nj\u00eb \u00e7\u00ebshtje shpesh t\u00eb anashkaluar: sigurin\u00eb. N\u00eb turiz\u00ebm, ashtu si n\u00eb \u00e7do industri tjet\u00ebr, suksesi dhe siguria ecin bashk\u00eb. Kush synon suksesin, duhet t\u00eb kujdeset p\u00ebr sigurin\u00eb.<\/p>\n<p><strong>Trendi i zhvillimit t\u00eb turizmit n\u00eb vend<\/strong><\/p>\n<p>Suksesi \u00ebsht\u00eb i mundsh\u00ebm: le t\u2019u hedhim nj\u00eb sy shifrave. Po t\u2019i referohem t\u00eb dh\u00ebnave t\u00eb fundit t\u00eb INSTAT, akomodimi dhe sh\u00ebrbimi ushqimor n\u00eb vitin 2023 sh\u00ebnonte 17,850 subjekte, 15.2% t\u00eb sip\u00ebrmarrjeve n\u00eb vend, 57,000 t\u00eb pun\u00ebsuar, 10.2% e totalit dhe nj\u00eb trend rrit\u00ebs nga viti n\u00eb vit.<\/p>\n<p>Nga shifrat v\u00ebrehet nj\u00eb trend rrit\u00ebs i investimeve n\u00eb sh\u00ebrbime, p\u00ebrfshir\u00eb k\u00ebtu edhe hotelerin\u00eb dhe strukturat e ngjashme me to.<\/p>\n<p>Trendi duket i pandalsh\u00ebm, po t\u00eb referohem te shifrat e muajit mars 2025, ku menj\u00ebher\u00eb fluksi i turist\u00ebve erdhi rrit\u00ebs, si n\u00eb krahasim me muajt paraardh\u00ebs, ashtu edhe me ata t\u00eb nj\u00eb viti m\u00eb par\u00eb p\u00ebr t\u00eb nj\u00ebjt\u00ebn periudh\u00eb.<\/p>\n<p>Sipas k\u00ebtyre t\u00eb dh\u00ebnave, n\u00eb muajin mars 2025, strukturat akomoduese sh\u00ebnuan nj\u00eb rritje t\u00eb ndjeshme t\u00eb vizitor\u00ebve t\u00eb shprehur si num\u00ebr vizitor\u00ebsh por edhe si v\u00ebllim net\u00ebsh q\u00ebndrimi.\u00a0 Numri i vizitor\u00ebve u rrit me 21,9 %. Me 30.8% u rrit numri i net\u00ebve t\u00eb q\u00ebndrimit. \u00a0Me 27.6% u rrit numri i vizitor\u00ebve jorezident\u00eb n\u00eb hotelet dhe akomodimet e ngjashme n\u00eb zonat bregdetare, 20.6% n\u00eb zonat jo-bregdetare.<\/p>\n<p>Shifrat japin nj\u00eb sinjal pozitiv p\u00ebr t\u00eb ardhmen, por ftojn\u00eb edhe p\u00ebr reflketim: ato flasin p\u00ebr nevoj\u00ebn e nj\u00eb kap\u00ebrcimi t\u00eb madh, sip\u00ebrmarr\u00ebsit n\u00eb hoteleri dhe sh\u00ebrbimet e ngjashme me to n\u00eb sektorin e sh\u00ebrbimit duhet t\u00eb p\u00ebrqafojn\u00eb sa m\u00eb par\u00eb praktikat per\u00ebndimore.<\/p>\n<p>Ata duhet t\u00eb investojn\u00eb n\u00eb sigurin\u00eb e klient\u00ebve, stafeve dhe aseteve t\u00eb tyre t\u00eb biznesit, p\u00ebr t\u2019i paraprir\u00eb \u00e7do risku t\u00eb mundsh\u00ebm. P\u00ebr m\u00eb shum\u00eb sukses, duhet m\u00eb shum\u00eb siguri.<\/p>\n<p><strong>Produktet e sigurimit p\u00ebr hotelerin\u00eb n\u00eb SIGAL<\/strong><\/p>\n<p>SIGAL, p\u00ebr k\u00ebta investitor\u00eb, ofron t\u00eb pakt\u00ebn tre produkte t\u00eb mir\u00ebmenduara sipas nevojave t\u00eb tregut nd\u00ebrkomb\u00ebtar: Sigurimi i p\u00ebrgjegj\u00ebsis\u00eb publike n\u00eb hotele dhe restorante- q\u00eb \u00ebsht\u00eb edhe detyrim ligjor, sigurimi i pron\u00ebs dhe aseteve t\u00eb tjera t\u00eb biznesit dhe sigurimi i punonj\u00ebsve nga aksidentet.<\/p>\n<p>Certifikatat e sigurimit i b\u00ebjn\u00eb klient\u00ebt t\u00eb ndihen m\u00eb t\u00eb sigurt dhe m\u00eb t\u00eb qet\u00eb n\u00eb zgjedhjen q\u00eb b\u00ebjn\u00eb. Studimet tregojn\u00eb se siguria \u00ebsht\u00eb fjala ky\u00e7e n\u00eb procesin e zgjedhjeve dhe t\u00eb planifikimit t\u00eb pushimeve te familjet dhe invid\u00ebt sot n\u00eb bot\u00eb.<\/p>\n<p>P\u00ebr t\u2019i p\u00ebrftuar tre produktet tona skema \u00ebsht\u00eb e thjesht\u00eb: p\u00ebrfitimet jan\u00eb t\u00eb qarta. Kostot jan\u00eb fare minimale e leht\u00ebsisht t\u00eb p\u00ebrballueshme p\u00ebr strukturat hoteliere apo t\u00eb ngjashme me to.<\/p>\n<p><strong>Sigurimi i p\u00ebrgjegj\u00ebsis\u00eb publike p\u00ebr hotele dhe restorante<\/strong><\/p>\n<p>SIGAL ka p\u00ebrshtatur nj\u00eb polic\u00eb sigurimi t\u00eb hartuar posa\u00e7\u00ebrisht p\u00ebr pronar\u00ebt, administrator\u00ebt e hoteleve dhe restoranteve p\u00ebr sigurimin e t\u00eb gjith\u00eb p\u00ebrgjegj\u00ebsive, q\u00eb rrjedhin prej veprimtaris\u00eb se tyre.<\/p>\n<p>Ky sigurim mbulon p\u00ebrgjegj\u00ebsin\u00eb publike, q\u00eb rrjedh nga ushtrimi i veprimtaris\u00eb hoteliere, apo strukturave t\u00eb ngjashme me to.<\/p>\n<p>Klienti q\u00eb rr\u00ebshket nga shkall\u00ebt e sapolara dhe d\u00ebmtohet, ornamenti n\u00eb dekorin e hotelit q\u00eb rr\u00ebzohet aksidentalisht dhe d\u00ebmton pushuesin, d\u00ebmtimi aksidental i turistit duke luajtur n\u00eb pishin\u00eb, nj\u00eb got\u00eb e thyer q\u00eb d\u00ebmton klientin, helmimi nga pija apo ushqimi i klientit n\u00eb barin apo restorantin e hotelit, cilado qofshin pasojat fundore, gjith\u00e7ka mbulohet brenda k\u00ebsaj pakete sigurimi.<\/p>\n<p>Secila prej k\u00ebtyre ngjarjeve aksidentale mbart n\u00eb vetvete riskun e komplikimeve jo vet\u00ebm ligjore, por edhe financiare n\u00ebse biznesi nuk e ka siguruar p\u00ebrgjegj\u00ebsin\u00eb. Kjo barr\u00eb vjen si detyrim i hotelit ndaj klientit, i cili do ta detyroj\u00eb ligj\u00ebrisht zhd\u00ebmtimin, por nj\u00ebher\u00ebsh mund t\u00eb c\u00ebnoj\u00eb r\u00ebnd\u00eb imazhin, reputacionin, besueshm\u00ebrin\u00eb, mark\u00ebn e hotelit apo restorantit.<\/p>\n<p>Fal\u00eb sigurimit t\u00eb k\u00ebsaj p\u00ebrgjegj\u00ebsie, riskun p\u00ebr ju, deri n\u00eb limitin e shum\u00ebs s\u00eb siguruar, e merr p\u00ebrsip\u00ebr SIGAL.<\/p>\n<p>Sa kushton? Tarifat p\u00ebr k\u00ebt\u00eb sigurim varen nga nj\u00eb num\u00ebr faktor\u00ebsh duke p\u00ebrfshir\u00eb kufirin e d\u00ebmshp\u00ebrblimit q\u00eb do t\u00eb sigurohet.<\/p>\n<p>Tarifa mesatare \u00ebsht\u00eb 0,2% e limitit total t\u00eb p\u00ebrgjegj\u00ebsis\u00eb, e th\u00ebn\u00eb me fjal\u00eb t\u00eb thjeshta: 0.2% e shum\u00ebs q\u00eb d\u00ebshiron t\u00eb sigurosh, n\u00ebse \u00ebsht\u00eb 1 milion\u00eb euro, primi p\u00ebrllogaritet vet\u00ebm 2 mij\u00eb euro.<\/p>\n<p><strong>Sigurimi i pron\u00ebs dhe i aseteve t\u00eb tyre t\u00eb biznesit\u00a0 <\/strong><\/p>\n<p>Produkti i dyt\u00eb i sigurimit q\u00eb do t\u2019u sygjeroja sip\u00ebrmarr\u00ebsve n\u00eb hoteleri dhe n\u00eb strukturat e ngjashme me to \u00ebsht\u00eb sigurimi i pron\u00ebs dhe aseteve t\u00eb tyre t\u00eb biznesit.<\/p>\n<p>Asnj\u00eb struktur\u00eb turistike, p\u00ebr asnj\u00eb rast apo mund\u00ebsi, nuk \u00ebsht\u00eb imune, e paprekshme apo e paarritshme nga d\u00ebmet, q\u00eb mund t\u00eb shkaktoj\u00eb nj\u00eb fatkeq\u00ebsi natyrore, zjarr aksidental, p\u00ebrmbytje.<\/p>\n<p>Me dhjetra raste n\u00eb media, vet\u00ebm t\u00eb vitit t\u00eb fundit, tregojn\u00eb se investime t\u00eb pasiguruara t\u00eb strukturave hoteliere apo sh\u00ebrbimeve t\u00eb ngjashme me to, u kthyen n\u00eb pik\u00ebn zero sa hap e mbyll syt\u00eb.<\/p>\n<p>Sigurimi nga rreziqet do t\u2019u kishte rikthyer, secil\u00ebn prej tyre, n\u00eb koh\u00eb rekord, brenda 30 dit\u00ebve pun\u00eb, vler\u00ebn e plot\u00eb t\u00eb d\u00ebmit t\u00eb siguruar me vet\u00ebm 0.1% si \u00e7mim t\u00eb primit.<\/p>\n<p>0.1% do t\u00eb thot\u00eb se p\u00ebr nj\u00eb investim hotelerik 1 milion\u00eb euro, p\u00ebr vet\u00ebm 1 mij\u00eb euro n\u00eb vit zhd\u00ebmtimi do t\u00eb mund t\u00eb ishte i plot\u00eb.<\/p>\n<p>Sigurimi i pron\u00ebs garanton siguri financiare t\u00eb operator\u00ebve n\u00eb turiz\u00ebm dhe vazhdim\u00ebsi t\u00eb aktivitetit n\u00eb raste d\u00ebmi apo humbjesh, duke i mbrojtur investimet dhe marr\u00ebdh\u00ebniet afatgjata me klient\u00ebt.<\/p>\n<p>T\u00ebrmet, zjarr, apo cilado fatkeq\u00ebsi natyrore, nuk e le sip\u00ebrmarrjen n\u00eb pik\u00ebn zero pas d\u00ebmtimit, sepse siguruesi, p\u00ebrmes zhd\u00ebmtimit, e ndihmon at\u00eb t\u00eb rikthehet n\u00eb koh\u00eb rekord n\u00eb treg.<\/p>\n<p><strong>Sigurimi i stafit nga aksidentet<\/strong><\/p>\n<p>Vet\u00eb punonj\u00ebsi \u00ebsht\u00eb themeli i suksesit t\u00eb q\u00ebndruesh\u00ebm t\u00eb nj\u00eb organizate. N\u00eb nj\u00eb fush\u00eb ku ritmi \u00ebsht\u00eb intensiv dhe t\u00eb papriturat jan\u00eb pjes\u00eb e p\u00ebrditshm\u00ebris\u00eb, aksidentet n\u00eb pun\u00eb jan\u00eb t\u00eb mundshme dhe t\u00eb shpeshta.<\/p>\n<p>Sigurimi i punonj\u00ebsit nga aksidentet n\u00eb pun\u00eb jo vet\u00ebm q\u00eb garanton mbrojtje financiare dhe rikuperim me dinjitet pas nj\u00eb d\u00ebmtimi, por rrit edhe p\u00ebrkushtimin dhe cil\u00ebsin\u00eb e sh\u00ebrbimit, duke e lidhur at\u00eb m\u00eb fort me kompanin\u00eb. Punonj\u00ebsi ndjehet i respektuar.<\/p>\n<p>P\u00ebr m\u00eb tep\u00ebr, ky sigurim shmang rreziqet e proceseve ligjore dhe d\u00ebmtimin e imazhit t\u00eb biznesit. N\u00eb nj\u00eb treg q\u00eb synon standarde europiane dhe konkurrueshm\u00ebri nd\u00ebrkomb\u00ebtare, mbrojtja e burimeve njer\u00ebzore nuk \u00ebsht\u00eb m\u00eb opsion, por domosdoshm\u00ebri.<\/p>\n<p>Me prime minimale sigurimi dhe p\u00ebrfitime t\u00eb konsiderueshme, sigurimi i punonj\u00ebsve \u00ebsht\u00eb nj\u00eb vendim i zgjuar dhe me ndikim afatgjat\u00eb p\u00ebr \u00e7do struktur\u00eb turistike.<\/p>\n<p>Sa jan\u00eb k\u00ebto prime? Minimale.<\/p>\n<p>Nj\u00eb punonj\u00ebs q\u00eb paguhet 10 mij\u00eb dollar\u00eb n\u00eb vit, mund t\u00eb sigurohet nga aksidentet n\u00eb pun\u00eb p\u00ebr vet\u00ebm 20 dollar\u00eb n\u00eb vit, q\u00eb do t\u00eb thot\u00eb 0.2% e pages s\u00eb tij dhe t\u00eb p\u00ebrfitoj\u00eb deri n\u00eb 24 rroga mbulim pran\u00eb SIGAL n\u00eb rast shk\u00ebputjeje nga puna si pasoj\u00eb e aksidentit.<\/p>\n<p><strong>Konkluzion <\/strong><\/p>\n<p>N\u00eb p\u00ebrfundim, rritja e vazhdueshme e turizmit n\u00eb Shqip\u00ebri duhet t\u00eb shoq\u00ebrohet me nj\u00eb kultur\u00eb sigurie t\u00eb mir\u00ebstrukturuar, ku mbrojtja e klient\u00ebve, stafit dhe aseteve t\u00eb biznesit b\u00ebhet prioritet.<\/p>\n<p>Investimi n\u00eb sigurim nuk \u00ebsht\u00eb vet\u00ebm nj\u00eb veprim parandalues. Ky investim p\u00ebrfaq\u00ebson nj\u00eb strategji inteligjente p\u00ebr t\u00eb garantuar q\u00ebndrueshm\u00ebrin\u00eb dhe besueshm\u00ebrin\u00eb e strukturave hoteliere n\u00eb nj\u00eb treg gjithnj\u00eb e m\u00eb konkurrues.<\/p>\n<p>SIGAL ofron zgjidhje t\u00eb standardit europian p\u00ebr sigurimin e p\u00ebrgjegj\u00ebsis\u00eb publike, pron\u00ebs dhe punonj\u00ebsve, me kosto minimale dhe p\u00ebrfitime maksimale. N\u00eb k\u00ebt\u00eb m\u00ebnyr\u00eb, sigurimi shnd\u00ebrrohet nga nj\u00eb rrezik i mundsh\u00ebm n\u00eb nj\u00eb mund\u00ebsi konkrete p\u00ebr rritje, stabilitet dhe sukses afatgjat\u00eb n\u00eb sektorin e turizmit.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nga Avni Ponari CEO i SIGAL INSURANCE GROUP Sezoni turistik po afron. Shifrat e viteve t\u00eb fundit rrisin pritshm\u00ebrin\u00eb p\u00ebr nj\u00eb ver\u00eb dinamike, si n\u00eb bregdet ashtu edhe n\u00eb qytetet tona. Pritet rritja e numrit t\u00eb turist\u00ebve, si t\u00eb rinj ashtu edhe t\u00eb rikthyer. Hotelet, resortet dhe strukturat akomoduese po p\u00ebrgatiten p\u00ebr t\u00eb p\u00ebrballuar k\u00ebt\u00eb &hellip;<\/p>\n","protected":false},"author":4,"featured_media":115688,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[],"class_list":["post-115687","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/115687","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/comments?post=115687"}],"version-history":[{"count":1,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/115687\/revisions"}],"predecessor-version":[{"id":115689,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/posts\/115687\/revisions\/115689"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media\/115688"}],"wp:attachment":[{"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/media?parent=115687"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/categories?post=115687"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rdnews.al\/index.php\/wp-json\/wp\/v2\/tags?post=115687"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}