MaGosa o Lawulo
Kwinkoliso yamanye amazwe, amagosa alawulayo athathwa njengabasebenzi bequmrhu lequmrhu.
Njengabanye abaqeshwa, zizenzeke ngokuzenzekelayo ngemithetho yembuyekezo yomsebenzi. Nangona kunjalo, abaninzi banamvume avunyelwe ngamagosa amagosa aphezulu ukuba baphume kwi-coverage. Imithetho iyahluka ukusuka kummandla ukuya kwilizwe kodwa nantsi umboniso jikelele.
- Inani lamapolisa avumelekile ukuba bazikhephe ekukhuselweni kwembuyekezo yabasebenzi ukuba inkampani ine ngaphantsi kwenani elichaziweyo lamagosa, njengabini okanye abane. Ukuba ibhizinisi linenani ubuncinci inani lamagosa, zonke kufuneka zifakwe. Abanye bathi iipemethe zamaphepha avumelekile ukuba baphume kwi-coverage kuphela ukuba inkampani ayinabanye abasebenzi. Ukuba inkampani isebenzisa abanye abasebenzi, onke amagosa kufuneka afakwe.
- Amanye amazwe avumela onke amagosa ukuba azikhuphe kwi-coverage. Abanye bavumela kuphela inani elithile labasebenzi ukuba baphume.
- Imithetho ekhethekileyo ingafaka izicelo kumagosa aseburhulumenteni abucala. Imithetho yembuyekezo yokusebenza kwabanye ibeka ngokuthe ngqo ngaphandle kwamagosa alawulayo ayingxenye yabanini-nxaxheba kweso senkampani. Kwamanye amazwe, amagosa anjalo aphethwe ngokuzenzekelayo phantsi kwemithetho kodwa angakhetha ukuphuma.
- Imigaqo ekhethekileyo inokufaka izicelo kwiinkampani ezingengeniso. Amanye amazwe awadingi ukuba abaphathi baphelelwe ukuba bangahlawulwanga kwiinkonzo zabo. Ngokuxhomekeke kwimeko, abaphathi banokuphuma okanye umbutho unokugqiba isigqibo sokuba ungawafihla.
- Amaqela ambalwa athe amisela imithetho ekhethekileyo esetyenziswa kubaphathi kwiinkampani zokwakha.
- Isikhululo segosa elilawulayo singadinga ukuhlaziywa ngezikhathi ezithile, njengeminyaka emibini.
Amazwe avumela igosa elilawulayo ukuba liphume (okanye kwezinye iimeko, lingene) ukukhutshwa kweembuyekezo zomsebenzi zenze iifom kule njongo. Ezi fom kufuneka zifumaneke kwi-insurer yakho. Amagosa anqwenela ukukhanyela iifizi zohlawulelo zabasebenzi mabazalise ifomu baze babuyisele kwinkampani yomshuwalense . I-inshurensi iya kuthumela le fom kubasebenzi bakho baseburhulumenteni bokuhlaziya.
I-Propectors, i-Partners, kunye namalungu
Ngokuchasene namagosa alawulayo, ezinye iinqununu zenkampani zinjengeempahla zodwa, amaqabane kunye namalungu ezinkampani ezinobunzima ngokukodwa abangekho phantsi kwemithetho yempindiselo yabasebenzi baseburhulumenteni. Nangona kunjalo, abantu abanjalo banokuvunyelwa ukuba bakhethe ukufihla ngokugcwalisa ifom echongwa nguRhulumente. Ifomu kufuneka ithunyelwe kumgcini-mali, oya kuwudlulisela kumphathi weembuyekezo zabasebenzi baseburhulumenteni.
Amanye amazwe awabandakanyi amaqabane kunye nabanikazi bodwa kodwa abambene namalungu ezinkampani ezinobunzima. Ezinye zizitshintsha ngokuzenzekelayo amalungu omndeni wabanikazi bodwa kunye namaqabane nangona iipropati kunye nabalingani babo bodwa bengabandakanywa.
Ukuphuma ngaphandle kwenkxaso, amalungu omndeni kufuneka agqibe ifom aze ayithumele kumgcini-mali.
Ulwahlulo
Xa amagosa alawulayo agqitywa phantsi komgaqo-nkqubo wokuhlawula abasebenzi, okanye ngokuzikhethela okanye ummiselo, ngokubanzi kubelwe ukwahlula okucacileyo imisebenzi yabo. Ngokomzekelo, cinga ukuba iWinsome Wines ineziphathamandla ezine zolawulo, bonke abo basebenze kwishishini le-winery yenkampani. Amagosa aya kuthiwa abelwe isigaba esifanayo njengabasebenzi be-winery.
Amanye amagosa aseburhulumenteni enza imisebenzi ebhaliweyo kwiofisi. Aba bantu bangabelwa ukwahlula ngokwahlukileyo, iiGosa eziPhathileyo ze-NOC (i-NOC ithetha ukuba ayikho enye indawo).
Xa ngaba ngabanikazi bodwa, amaqabane, okanye amalungu agqitywe phantsi komgaqo-nkqubo wokubuyisela abasebenzi, kufuneka bahlulwe kwaye balinganiswe ngokusekelwe kwimisebenzi yabo yomsebenzi.
Kwiimeko ezininzi, abo bantu baya kubalwa ngendlela efanayo nabasebenzi befirmini.
Ubuncinane kunye neMali yokuPhula
Iimbuyekezo zeempesimali zeemali-mali zibalwa ngokusekelwe kumanani kunye nokuhlawula. Xa amaGosa oLawulo, abanikazi bodwa, amaqabane, okanye amalungu ahlanganiswa ngumgaqo- nkqubo , iirhafu ezibelwe aba bantu zivame ukumiselwa ngumthetho kaRhulumente. Amaninzi amaninzi achaza ubuncinane ubuncinane kunye nolawulo oluphezulu lweenqununu zeenkampani. Ukuba umvuzo wokugqibela uncinci kuncinci obuncinci, umrhumo ophantsi ohlawulelwayo uya kusetyenziswa ukwenzela ukulinganisela .
Ngokomzekelo, cinga ukuba umthetho weembuyekezo zomsebenzi uchaza ubuncinane be-payroll yonyaka we-$ 52,000 kwigosa ngalinye elilawulayo. Ubuninzi bokubhadela i-$ 125,000. Ukuba igosa lifumana ngaphantsi kwama-52,000, i-insurer iya kubala i-premium yegosa elisekelwe kwi-payroll ye-$ 52,000. Ukuba umvuzo wonyaka wegosa ngu-150,000, i-premium yegosa liya kubalwa ngokusekelwe kwi-payroll eyi-125,000. Ngenxa yokuba umvuzo wangempela wegosa (i-$ 150,000) ngaphezulu kwee-125,000 zama-maximum, i-payroll payroll iyasebenza.
Ngokufanayo, cinga ukuba uMax, umninimzi oyedwa, ukhethe ukugqitywa phantsi komgaqo-nkqubo wenkokhelo yabasebenzi. U-Max uthatha umvuzo wonyaka wama-50,000. Nangona kunjalo, umgaqo welizwe lakhe uchaza inani elincinci lama-45,000 kwi-payroll ye-payer. Nangona i-Payroll yangempela yokuhlawula i-$ 50,000, i-45,000 yeemali ezigunyazisiweyo isetyenziselwa iinjongo zokulinganisela.
Iindleko zeeFomu ezingabikhoyo
Imigaqo-ntlawulo yemisebenzi ixhomekeke kuphicotho-zincwadi zonyaka. Xa kuqhuba uphicotho-zincwadi, umphicothi - zincwadi uya kuqinisekisa ukuba nayiphi na iinqununu zeenkampani ezikhethileyo okanye ngaphandle kwenkxaso-mvume zisayine iifom ezifunekayo. Ukuba enye okanye iifom ezininzi zilahlekile, umphicothi-zincwadi uya kwongeza okanye akhuphe ukuhlawula ngokufanelekileyo. Ngokomzekelo, cinga ukuba iqumrhu lakho linamagosa amathathu alawulayo, bonke abo banyulwe ukuba bangabandakanywa kwi-inshurensi yembuyekezo yomshuwalense. Ngelishwa, akukho mntu usayine ifomu elifunekayo likarhulumente. Umphicothi-zincwadi uza kubandakanya ukubhalwa kwee-payroll kumagosa amathathu xa ubala i-premium yakho yokugqibela.
Unyulo okanye Unqande umgangatho kunye noKhathalelo
Ekugqibeleni, i-inshorensi yembuyekezo yempesheni inikeza unyango, ukukhubazeka kunye nezinye izibonelelo kwabasebenzi abalimele. Xa ugqiba ukuba ungene okanye uphumelele kwi-coverage yabasebenzi, izikhulu zolawulo kunye nezinye iinqununu kufuneka zihlolisise ezinye iimithombo zentlawulo. Imizekelo impilo, ukukhubazeka, kunye nengozi yomshuwalense.
Ngokomzekelo, amagosa alawulayo angayenqaba ukukhutshwa kwembuyekezo yokusebenza kwabasebenzi ngenxa yokuba bacinga ukuba bahlaselwe ukulimala okuhlobene nomsebenzi phantsi kwe-inshorensi yempilo kunye nokukhubazeka. Sekunjalo, le ngcamango ingalunganga. Ezinye iinkqubo zempilo kunye nokukhubazeka azibandakanyi ukulimala okwenzeka emsebenzini.