YoLuntu oluPhezulu
Umgaqo-nkqubo woLuntu lwezeNtengiso (CGL) awubandakanyi ezinye iintlobo zembopheleleko yembopheleleko, umvuzo wemisebenzi, uxanduva lomsebenzi, uxanduva olunxulumene nokuqhuba imoto okanye iloli, kunye nabalawuli beenkampani kunye noxanduva lwegosa. Ezi matyala zihlanganiswe ngenye imigaqo-nkqubo eyenziwe ngokukodwa.
I-CGL nayo ibandakanyi yonke i-coverage yamabango enkunkuma. Iifemu ezisebenzisa izinto ezinobungozi kwinkqubo yokuvelisa okanye ukugcina okanye ukuzithutha kufuneka zithenge umgaqo-nkqubo ojongene noxanduva lokusingqongileyo. Amashishini amaninzi agcina i-petroli kwindawo leyo.
Ngenxa yokuba amathangi okugcina angadla ixesha, avumela i-petroli ukuba ingene emithonjeni nakwezinye iimpahla zamanzi, umthetho wesigqeba ufuna ukuba bonke abanikazi bamatangi babe ne-inshorensi okanye babonise ezinye iindlela zokuhlawula amabango angabakho. Kwakhona kubandakanywa amabango okubangelwa umonakalo kwipropati yabanye ekunyamekelweni komnini, ukugcinwa kunye nokulawula.
Oku kungenxa yokuba ukuhanjiswa komonakalo onjalo kuhlanganiswe phantsi kwemigaqo-nkqubo yepropati.
Abavelisi beemveliso ezixhomekeke kwisikhumbuzo semveliso, ezifana nezinto zokutya okanye amathoyizi, kufuneka baqwalasele ukuthenga umgaqo okhethekileyo wokukhusela oku kubonakaliswa. Imveliso ayibandakanyiweyo kumgaqo-nkqubo weCGL ngenxa yeendleko ezenziweyo ekukhunjuleni.
Ubungakanani bokulawula iintlobo ezithile zeenkonzo zobungcali okanye ukuhluleka ukunikezela ngeenkonzo ezinjalo kungabandakanywa kwi-CGL nkqubo, kuxhomekeke kumlinganiselo weenkonzo ezibonelelwe. Izenzo zomthetho ezingabandakanyi ibango lokulimala komzimba, umonakalo wepropati, ukulimala, okanye ukulimala kwintengiso, ayifakwe.
Umgaqo-nkqubo weCGL awugcini iimbambano ezininzi zeenkontileka, izenzo ezenziwa yiarhente zikaRhulumente ezihlawula ukuba ishishini lihlulekile ukuthobela imimiselo okanye imimiselo, kunye neentlawulo zokungcola. Ukongezelela, iibango zerhafu yerhafu okanye isohlwayo sokungaphumeleli ukubonelela indawo ekhuselekileyo yokusebenzela ayifakwe ngumgaqo-nkqubo weCGL.
Ukugqithiswa okuqhelekileyo kwi-inshorensi yokubambisa i-inshorensi jikelele kubango ibango lokunganakwa okanye ukuphosa. Ukuba umonakalo obangelwa ukungabi nantoni enkulu kwinxalenye yomthengi okanye omnye wabasebenzi bawo kubangele ukulimala okungengokwenyama, i-inshorensi yemfanelo yakho jikelele ayiyi kugubungela i-suit.
Umgaqo-nkqubo womnini-shishini ubandakanya i-inshorensi yemfanelo ebanzi echaphazela ukulimala komzimba, ukulimala komntu, umonakalo wepropati , kunye nokulimala kwintengiso. Oku kudla ngokuquka ukuphulwa kwe-copyright; ukuhlasela okanye ubumfihlo; kunye nokutshatyalaliswa komlingiswa, njengengqungquthela nokunyundela.
Umgaqo-nkqubo womnini-shishini uza kubandakanya i-inshorensi yepropati equka zombini kunye neyezinye iimpahla zorhwebo ezibalulekileyo.
UkuPhathwa kweMpahla
Ifomu ecacileyo ye-inshorensi yemfanelo yobungcali kumagqirha kunye nabameli. Uninzi lwababoneleli bezempilo kufuneka bathenge i-inshorensi yemfanelo yecandelo. Phantse onke amazwe afuna ukuba oogqirha abane-inshorensi yemfanelo. Kumazwe angenjalo, oogqirha badla ukuba babe ne-inshorensi ukuze bafumane amalungelo okubona izigulana esibhedlele. Kwezinye iimeko, ke, oogqirha banokukhetha ukuhamba ngaphandle kokubhengezwa, kodwa oku kuyingozi kakhulu.
I-inshorensi yokubambisa i-inshorensi ngokubanzi inika ingxelo ebanzi yokulahlekelwa kwintlawulo efana nokusebenza kunye nezakhiwo zendawo, umthwalo wemveliso kunye nemfanelo.
Nangona kunjalo, ama-agent kufuneka adiswe ngolwazi olungabandakanywayo olukhutshwayo olunciphisa uxanduva lokuthengisa. Ukuchazwa kwezi zinto ezingabandakanywayo kubalulekile ukuba baxelele ngokufanelekileyo abaxumi bobabini iinzuzo zengxelo yokubambisa iimbopheleleko zentengiso kwaye apho izikhala zingadinga ukuqwalaselwa ngezinye iindlela.
Ubungakanani be-A lubonelela ukhuseleko olusemthethweni nolwasemthethweni kumxhasi ukuba imisebenzi yoshishino lwale mihla ibangele nayiphi na umonakalo onobungozi kumntu wesithathu. Ubungakanani B lukhusela i-insured evela kumntu kunye naluphina uxanduva lokulimala okunxulumene nentengiso. Umlinganiselo C ukhokhela izibhedlele kunye neendleko zonyango zabanye abakwenzakaliswa kwindawo yokurhweba ye-insured, kungakhathaliseki ukuba iphoso.
Uphando lwezoshishino
Iinkampani ezahlukeneyo ze-inshorensi zijonga iintlobo ezahlukahlukeneyo zemisebenzi njengento "yezoshishino," nangona imisebenzi iyingxenye yesikhathi esithile, iindawo ezizimeleyo okanye eziphakathi, ezifana nebhodi yebhola, imigaqo yokuhamba, ukulungiswa kwemoto, ukulungiswa kwemoto, ukukhutshwa kweenqanawa, okanye ukunakekelwa kwabantwana.
Abanye abatshutshisi banokukhangela "ukuphandlelwa kwezoshishino" njengorhwebo oluqhelekileyo okanye umsebenzi. Abanye abenzi. Abanye abatshutshisi babheka ukuqhubela phambili kunye nesisiseko senjongo yezoshishino njengento ebalulekileyo ngaphambi kokuba kuqinisekiswe ukuba "kuqhutywe ibhizinisi". Ingaba liyinto yokuzilibazisa okanye ingumsebenzi wokufumana inzuzo?
I-Agent kunye nokuqonda kwengcebiso yomcebisi ngezoshishino ze-inshorensi yezoshishino kubalulekile. Ukuchonga izikhewu kunye nezixhobo ezinokuthi ukunciphisa ezo zikhefu zibeka i-agents kunye kwaye zingakhokelela ekubambiseleni ubuhlobo obuninzi kunye novuselelo oluninzi. Xa umxhasi eyazi ukuba unayo umva, baya kubuya kwakhona, kwakhona.