UHarry usebenzisa ivenkile enkulu yevenkile yevenkile kwisakhiwo esiqeshisayo kwi-Buildings. Ukuqeshiswa kwe-Harry kuyimfuneko ukuba aqiniseke isakhiwo phantsi komgaqo-nkqubo wepropati . Umgaqo-nkqubo uqulunqa zombini izakhiwo kunye neHarry, ishishini likaHarry's, njengama-insureds. Iqeshiso ifuna uHarry ukuba athenge umgaqo-nkqubo wokuzibophelela ngokubanzi oquka iiZakhiwo.
njengenye eyongezelelweyo inshorensi .
Emva kobusuku obunye umlilo uphuma kwisakhiwo xa ivenkile ivaliwe. Abacimi bomlilo benza isigqibo sokuthi umlilo uqalise ngesikhwama sezinto zokubuyisela xa iibhetri ye-9-volt isabele ngepuphu yentsimbi. Umlilo wabangela i-$ 200,000 ukulimala kwisakhiwo.
Umgaqo-mboleko ojongene neHarry's Hardware uquka umyinge wama-250,000 wemingcele yeMonakalo kwiZakhiwo eziqeshwe kuwe . Umlilo wubangelwa kwisitoreji se-hardware sokugcinwa kwezinto zokugcina izinto ezingekho phantsi. Ukuba i-Build's Inc. ifuna ukuba iHarry's Hardware yokuhlawulwa komonakalo womlilo kwisakhiwo, ibango kufuneka likhutshwe ngumgaqo-mboleko we-hardware. Nangona kunjalo, umonakalo lomlilo kwisakhiwo uphinde uphawulwe phantsi komgaqo-propati wentengiso uHarry uthenge. Nguwuphi umgaqo oya kuqala?
Ezinye iiNkcazo
Uninzi lwamabango aqinisekisiwe phantsi komgaqo-nkqubo wakho wokunyanzela athatyathwa ngokusisiseko.
Ngokomzekelo, ukuba umthengi ufake ibango kwinkampani yakho ngenxa yengozi yomzimba eqhubekayo engozini ye- slip-fall-fall on your site, umgaqo-nkqubo wakho wemfanelo kufuneka ubhalele ibango kumgca wokuqala.
Nangona kunjalo, ezinye iimeko, njengomlilo ochaziwe ngasentla, zivelise amabango athe ahlawuliswa ngokufanelekileyo ngenye imigaqo-nkqubo.
Ukujongana nale mbambano, imigaqo-nkqubo yemfanelo iqulethe umgaqo-nkqubo onelungelo elinomnye umshwalense. Eli gatya lichaza indlela umgaqo-nkqubo uza kuphendula ngayo xa amabango athile ahlanganiswe ngumgaqo-nkqubo nawo aqinisekisiwe kwenye indawo.
Xa iPolisi Yakho iphezulu
Umgaqo-nkqubo ojongene nokunyanzela ukubonelela ngenkonzo unikezela ngokukhawuleza kokufumana ilahleko ezigqitywe zilandelayo.
Umlilo okanye enye i-inshurensi yepropati eyenza umsebenzi wakho
Ngokomzekelo, unkontila zombane kwaye ufake ifowuni yombane kwisakhiwo esakhiwa. Zonke iikontraki ezibandakanyekayo kule projekthi (kuquka nawe) zikhutshelwe ukulimala ngokomzimba kwisakhiwo ngexesha lokwakha phantsi komgaqo- mngcipheko wabakhi . Ukuba unobungozi ekwenzeni umonakalo kwisakhiwo ngexesha lokwakheka, umgaqo-nkqubo womngcipheko womakhi uza kuqala. Umgaqo-nkqubo wakho wokuzibophelela uza kubonakalisa umonakalo obangelwa ukunganakwa kwakho kwisibini.
Umlilo okanye enye indawo yomshuwalense wepropati oqeshisayo (okanye uhlala ngaphandle koqeshiso kunye nemvume yomnikazi).
Kulo mzekelo wokuvula, uHarry uyagcinwa phantsi komgaqo-nkqubo wepropati yokuthengisa umonakalo esakhiweni ahlawulayo kwi-Buildings Inc. Ngenxa yokuba umonakalo lomlilo uqinisekisiwe phantsi komgaqo-nkqubo wepropati, loo mgaqo kufuneka usebenzise okokuqala.
Umgaqo-mboleko kaHarry uza kusebenza kwixesha elingaphezulu.
Enye i-inshurensi oyithengile ukufihla uxanduva lwakho njengomqeshi womonakalo wepropati oqeshisayo (okanye uhlala ngaphandle koqeshiso ngemvume yomnikazi)
Ngokomzekelo, cinga ukuba uqeshe indawo yeofisi phantsi kweqeshiso elifutshane. Umnini-mnini wakho uqinisekise isi sakhiwo phantsi komgaqo-nkqubo wepropati. Ukuzikhusela, uthengile umgaqo-nkqubo wokumisela umthetho, uhlobo lomgaqo-nkqubo okhupha umthwalo wakho wezomthetho umonakalo kwipropati engowomnye umntu kodwa ukhathalele. Ukuba unobungozi bangela ukuba umonakalo wepropati ogqitywe ngumgaqo-nkqubo wesikhundla sakho somthetho, ookugqibela kufuneka afake isicelo sokuqala. Umgaqo-nkqubo wakho wokuzibophelela ngokubanzi uza kusebenza njengengubo engaphezulu.
Naliphi enye inshurensi ejongene nemfanelo yakho yokusebenzisa iinqwelo-moya, i-autos okanye i-watercraft.
Umzekelo, umgaqo-mboleko oqhelekileyo uquka ukulimala komzimba okanye umonakalo wepropathi owenza abanye ngengozi ngethuba xa usebenzisa imishini encinci yamanzi ongeyena (kungakhathaliseki ukuba ungasebenzisi isikhephe ukuba uthwale abagibeli ngemali). Masithi ukuba inkampani yakho inesitya. Uthengile umgaqo-nkqubo oselwandle oluthatha uxanduva lwakho lokusetyenziswa kwekhephe kunye nezikebhe ezingenazo. Uqeshisa isikhephe esincinci kwaye ungabonakali ngengozi apho umntu emele khona. Ukuba umntu omazileyo efayile ibango, umgaqo-nkqubo wakho wemikhombe kufuneka usebenzise okokuqala. Umgaqo-nkqubo wakho woxanduva jikelele uya kusebenza kwisiseko sesibini.
Ubungakanani obubonelelwe kuwe njengesiqinisekiso esongezelelweyo .
Ukuba ufunyenwe ibango phantsi komgaqo-nkqubo womnye njengomntu okhuseleyo, loo mgaqo-nkqubo uyakukufihla ngokusisiseko. Umgaqo-nkqubo wakho kufuneka uhlawule ibango ngokungaphezulu.
Ngokomzekelo, iiZakhiwo zeNkampani i -insured iyongezelelo elongezelelweyo phantsi komgaqo-xanduva lweHarry's Hardware kwiimangalo ezivela kuHarry ukusebenzisa isakhiwo esiqashisayo. Cinga ukuba i-Building's Inc. ilandelwa yinkampani ebiza ukuba isakhiwo sayo sabonakaliswa ngumsi kwiziko le-hardware. Icala lichaza ukuba izakhiwo zeInstitute Inc. zixanduva lomlilo ngenxa yokuba ziyazi malunga nokugcinwa okungafanelekanga kweHarry kodwa zenzanga nto yokulungisa loo meko. Ngenxa yokuba ibango lavela kuHarry ukusebenzisa isakhiwo esiqashiweyo, umgaqo-nkqubo kaHarry kufuneka uphendule ibango ngundoqo. Ukuba ukugcinwa kwecala likaHarry kusetyenziswe phezulu, ngoko-nkqubo we-Building's Inc. eyimfanelo yemfanelo kufuneka inikezele ngokugqithiseleyo.
Ngqu zulwano
Amanye amalungiselelo e-inshurensi kumgaqo-nkqubo wakho wokunyaniseka angabambana nalabo abasemnye umgaqo-nkqubo. Ngokomzekelo, unikwe i-insured phantsi kwemigaqo-nkqubo yeemfanelo ezimbini, zombini zichaza ukuba ziyasebenza kwixesha elingaphezulu. Xa ezinye iigatya zomshuwalense zingavumelani, umthetho welizwe okanye isigqibo sentyala esedlule sinokucacisa indlela ukulwa ngayo.