Ebizwa ngokuba yiNkxaso-mali
Umntu obizwa ngokuba ngumshurensi ngumntu okanye into ebhalwe kwiimpapasho zomgaqo-nkqubo. Umntu ogqityiweyo onikwe i-insured ingaba yinkampani, ubambiswano, i-proprietorship yodwa okanye olunye uhlobo lweziko.
Xa kuthelekiswa namanye amaqela aqinisekisiwe, igama elibizwa ngokuba ngumshuwalense linikezelwa ubungakanani obanzi ngokubanzi phantsi komgaqo-nkqubo. Imigaqo-nkqubo emininzi ibhekisela kumntu ogqityiweyo ogqirha njengawe
Uninzi lwamashishini amancinci luneenkampani enye kuphela. Ngokomzekelo, uSmith Manufacturing Inc. yinkampani yabucala ebanjwe ngamalungu amahlanu kaSmith. USmith Manufacturing Inc. ligama lomthetho loshishino. Ngaloo ndlela, i-corporation ibhaliwe njenge-insured ebizwa ngokuba yi-insured kwi-firm's accountability, jikelele , kunye ne- umbrella .
IiNkcazo eziNinzi
Amanye amashishini anamaqela angaphezu kweyodwa. Uninzi lwabaqinisek 'imbopheleleko luza kubhala uluhlu oluninzi kumgaqo-nkqubo omnye ukuba omnye umntu unomdla uninzi (ubuncinane ubuncwane be-51%) kwabanye. Ngokomzekelo, cinga ukuba abanini beSmith Manufacturing Inc. bakha inkampani yesibini ebizwa ngokuba yiSmith Sales Inc. Injongo yedwa kaSmith Sales kukuthengisa izinto ezenziwe nguSmith Manufacturing.
Ngenxa yokuba iinkampani zombini zinobunini obuqhelekileyo, zinokuthi zihlawulwe ngaphantsi komgaqo-mfanelo, imoto kunye ne-umbrella.
Ebizwa ngokuba yimisebenzi yoBhuseleko
Uninzi lweemfanelo kunye nemigaqo-nkqubo yemoto ibeka imbopheleleko ethile kwi-insured. Ngokomzekelo, iipolisi zomthetho jikelele zifuna ukuba ubike amabango okanye iziganeko kwi- insurer yakho .
Ngokufanayo, umgaqo-nkqubo othe ngqo wokuthengisa umgaqo-nkqubo uchaza ukuba kufuneka uxelele amapolisa ukuba i-auto ibiwe.
Iimigaqo-nkqubo zokuzibophelela zihlala zibeka imisebenzi ethile kumntu wokuqala obizwa ngokuba ngumshuwalense , oku kuthetha ukuba iqumrhu lidweliswe kuqala kwiimpapasho (ukuba umgaqo-nkqubo ubandakanya ngaphezulu kwegama elilodwa eliqinisekisiwe). Kwi-ISO yomgaqo-mboleko jikelele, umzekelo, owokuqala obizwa ngokuba ngumshuwalense unyanzelekile ukuba agcine iirekhodi zolwazi umshwalense kufuneka abale i-premium. Umntu wokuqala obizwa nge-insured kufuneka anike le ngcaciso nayiphi na i-inshurensi ayifunayo.
Umshurensi
Ixesha eliqinisekisiwe ligama eliqhelekileyo elisetyenziselwa ukuchaza nayiphi na umntu okanye iqumrhu elifanelekileyo ukufumana inkxaso phantsi komgaqo-nkqubo. Umntu obizwa ngokuba ngumshurensi uyisiqinisekiso.
Ininzi yemigaqo-nkqubo yembopheleleko ifihla ngokuzenzekelayo amaqela athile njengama-insureds. Imizekelo yabaqeshwa, amaqabane kunye namagosa olawulo . Laba bantu baqinisekisayo kuphela ngelixa benza umsebenzi wabo obizwa ngokuba yi-insured. Ngokomzekelo, abasebenzi baqinisekisa kuphela xa beqhuba imisebenzi yabo njengabasebenzi beshishini elibizwe kumgaqo-nkqubo. Ayikho i-insureds ngelixa eqhutywe kwimisebenzi yakhe ye-clock-clock. Ngokufanayo, amaqabane abambiswano ababizwa ngokuba ngumgaqo-nkqubo baqinisekisa kuphela xa besenza njengabalingani balo mbutho.
Ayikho i-insureds kwizenzo abazenzayo ngaphandle kwendima yabo njengeqabane.
Imigaqo-nkqubo yemveliso yezoshishino inika nokubonelela ngokuzenzekelayo ngee-insureds ezahlukeneyo. Ngokomzekelo, inkoliso yemigaqo-nkqubo ikhulisa i- auto-responsibility coverage kubasebenzisi abavumelekileyo be-autos ezigubungelweyo okanye eziqeshwe ngu-insured.
Eyongezelelweyo i-Insured
Ixesha elongezelelweyo eliqinisekisiwe lithetha iqela eliye longezwa kumgaqo-mboleko njengesiqinisekiso, ngokuqhelekileyo ngokubhengezwa. Ukuze ufanele ukufumana inkxaso njengesiqinisekiso esongezelelweyo, umntu okanye iqumrhu kufuneka libe nobudlelwane bezoshishino kunye negama eliqinisekisiwe. Ngaphezu koko, imisebenzi ebizwa ngokuba yi-insured ye-insured kufuneka yenze umngcipheko wezobango-sithathu zomthetho malunga naloo nhlangano.
Ngokomzekelo, cinga ukuba ii-Buildy Busy, ikontrakta jikelele, uqeshe iPlaying Perfect, ikontrakta yamanzi, ukufaka imigca yamanzi kwibala elitsha lezemidlalo elakhayo.
Umqeshwa oPhezulu oPheleleyo angabonakali ngengozi kwindawo yomsebenzi, okonakalisa umntu wesithathu. Umntu onobungozi unokumangalela zombini umcwangcisi wokupaka iimpahla kunye nabaSebenzi beZakhiwo zokulimala komzimba. Ngenxa yoko, isivumelwano esinokubambisana phakathi kwePowering and Perfect Piping sidinga ukuba umnqonqonqonqonqhwqha wokubandakanya ukubandakanya ukuxhaswa njengesiqinisekiso esongezelelweyo phantsi komgaqo-nkqubo ojongene noxanduva olupheleleyo lwePiping.
Ukwamukelwa okongezelelweyo kwe-insured kukubonelela ngokukhuselekileyo. Ubungqina bunamathele kwisakhiwo, emsebenzini, okanye iinkonzo ezijoliswe kulwalamano lwentsebenziswano phakathi kwe-insured eyongezelelweyo kunye negama eliqinisekisiwe. Ngokomzekelo, ikhontrakta jikelele ngokuqhelekileyo ihlanganiswe kuphela ngamabango avela kwizenzo ezinganamsebenzi ezenziwa ngumntu ogunyazisiweyo (umgcini-mali) ngenkathi wenza umsebenzi kwi-kontraki jikelele. Ukugqitywa, amabango kufuneka ngokubanzi abandakanye ukunganakwa kwiindawo ezibizwa ngokuba yi-insured.