Ukuqonda indlela i-umbrella isebenza ngayo, cinga ukuba ukhangele kwisakhiwo esiphantsi kunye nophahla oluphezulu lwephahla. Uphahleni lunama-overhangs olwandisa ngaphaya kwesakhiwo kuzo zonke izikhokelo.
Umgangatho wesakhiwo kunye neendonga zimela iimigaqo- siseko (ezisisiseko) nkqubo . Uphahla lumele i-ambulera yakho. Ukuphakama kwesakhiwo kubonisa imida enikezelwe yimigaqo-siseko yakho. Ubungakanani bophahla bubonisa imida enikezelwe yi-sambulela. I-overhangs phezu kwephahla ibonisa iingxelo ezinikezelwa yi-sambulela yakho engabandakanywa kwimigaqo-siseko yakho.
I-sambulela inika ukhuselo oluxabisekileyo kumacala amakhulu asemthethweni angakuphazamisa ukuqina kwakho. Ngaphambi kokuba uthenge umgaqo-nkqubo, kunjalo, kukho izinto ezininzi omele uziqwalasele.
Imida
Imida yakho imfuno ixhomekeka kakhulu kuxhomekeke kubume boshishino lakho. Ngokomzekelo, amahotele, abaqhubi bee-crane kunye nabavelisi bamachiza baxhomekeke kwilahleko ezimbi. Bafuna imida ye-umbrella ephakamileyo kunokuthi, ivenkile yokuthengisa. Buza i- arhente yakho okanye umthengisi ukuba akuncedise ukuba ufumanisa kangakanani ukufundwa okufunekayo.
Imiqulu
I-umbrella kufuneka inikezele ngeengxelo ezingenakuhlawulwa ngumgaqo-siseko wakho wemfanelo.
Iingxelo ezifunekayo nkampani zixhomekeke kuhlobo lweshishini osebenza ngalo. Ngokomzekelo, ukuba inkampani yakho isebenzela i-brewery, unokukhetha i-ambulera equka ukukhutshwa komthwalo wotywala . Ngokufanayo, ukuba iqumrhu lakho liphethe isikebhe sokuzonwabisa kwabaxhasi, unokukhetha i-ambulera equka ukukhutshwa kweempahla zamanzi.
Iindleko
Iipriyamu ze-Umbrella ziyahluka ngokuxhomekeke kumphathi, imida, kunye nezigubungelo ozithengayo. Buza i-arhente yakho okanye umthengisi ukuba uqikelele ukuba ingaba umgaqo-nkqubo we-umbrella uninzi njani.
Utshintsho
Ubungakanani benkcazo enikezelwa yi-sambulela ziyakwazi ukuhluka ngokubanzi ukusuka kumnye umshwalense ukuya kwenye. Ngaloo ndlela, kubalulekile ukuthenga ngeenxa zonke uze uqhathanise imigaqo-nkqubo. Indawo enokuqala ukuqala kukufumana i-sambuli-quote ephuma kwi-inshurensi eyakhupha umgaqo- siseko wakho wokuzibophelela . Xa unesicatshulwa, ungayisebenzisa njengesiseko sokuthelekisa. Ukuba i-insurer yakho yemfanelo ayinikeli iibrawule, cela i- agent yakho okanye umthengisi ukubonisa ezinye iithwali.
Izibango
Kukho izinto ezimbalwa zokugcina engqondweni xa uthengela i-ambulera . Okokuqala, amaninzi amanqamle-mvume athe athatha indawo "yezomthetho" ngolwimi olulula njengoko lufumaneka kwimigaqo-nkqubo ephambili. Oku kuye kwenza iibrale zilula ukuzifunda. Nangona kunjalo, ezinye iibrale zifana nomgaqo-siseko oza kuthi zibuke imifanekiso. Ezi zibizwa ngokuba yi-ambulla ziyakwazi ukufumana ubuncinci ukuba kukho na, i-coverage enganikezelwa ngumgaqo-siseko.
Okwesibini, umgaqo-sambuli ungabandakanya i-exclusions engabonakali kwimigaqo-siseko yakho. Ngaphandle koko, i-sambulela ingaba nehlobo olufanayo lokukhutshwa njengenkqubo yakho ephambili, kodwa ukukhutshwa kwi-sambulela kungabanzi.
Ngokomzekelo, ukuxhatshazwa okulindelekileyo okanye okujoliswe kuyo ukukhutshwa kwipolisi yakho yemfanelo esisiseko kunikeza ithuba lokulimala komzimba okanye umonakalo wepropathi ophumela ekusebenziseni amandla okukhusela abantu okanye impahla. Ukukhutshwa komgaqo-nkqubo we-umbrella awuqukethe oku ngaphandle.
Okwesithathu, ezinye iibrale ziqulethe ukugcinwa kwe-self-insured okanye i- "SIR." Imela inani eliqinisekileyo lakho eliza kuhlawula kwi-pocket nganye eyenzekayo efunyenwe yi-sambulela kodwa kungekhona umgaqo-siseko.
Ixesha lePolisi
Ekugqibeleni, umgaqo-nkqubo we-umbrella kufuneka uqale kwaye uphele ngemihla efanayo nemigaqo-siseko yakho. Imisimbo yomgaqo-nkqubo ibalulekile kuba iimbululwazi ezininzi zinciphisa ukukhawulelwa kwenzakalo okanye umonakalo owenzeka ngexesha lomgaqo-sambulela . Iingxaki zinokuvela xa imihla ingafani. Cinga ngomzekelo olandelayo.
Uphuhliso lwezakhiwo lukhuselekile phantsi komgaqo-nkqubo wokubambisa umgaqo-siseko ngokubanzi Umyinge woMyinge we-1 million kunye noMyinge oqhelekileyo we-$ 2 yezigidi. Umgaqo-nkqubo uqala ngoJanuwari 1, 2017 kwaye uphela ngoJanuwari 1, 2018. Inkunzi-mali iphinde iqinisekiswe phantsi komgaqo-sambulela osebenza ukususela ngo-Matshi 1, 2017 ukuya kuMatshi 1, 2018. Ngo-2017, abantu abathathu balimala kwingozi ezihlukeneyo kwi-Capital job kumasayithi. Ngayinye ifayile ifayili malunga noPhuhliso lweZakhono. Amabango ahlaziywe ngemihla kunye nemali eboniswe ngezantsi.
NgoJanuwari 20: i-$ 1,000,000
NgoFebruwari 20: i-$ 800,000
Ngo-Apreli 10: i-$ 900,000
Umgaqo-nkqubo wokuzibophelela wemali oyintloko uhlawula amabango amabini okuqala ngokugcwele. Isiphumo ngasinye siphumela kwiimeko ezahlukileyo kunye nemonakalo eyenziwe engazange idlule umda ngamnye Umlinganiselo. Nangona kunjalo, umgaqo-nkqubo ukhokhe i-$ 200,000 kuphela kwiibango lesithathu ngenxa yokuba umda oqhelekileyo woLuntu usetyenziswe phezulu. Umshurensi u-insurer wenqaba ukuhlawula i-$ 800,000 ekhoyo. Ngoba? Kuphela ibango lesithathu kuphela elivela kwenzakalo eyenzeka ngexesha lomgaqo-nkqubo wekhefu. Umgca wesigxina awuzange uphelelwe yimimandla ehlawulwe ngokulimala okanye umonakalo owenziwe ngexesha leprojekthi yesikrala. Ngaloo ndlela, i-ambulera ayihlawuli nto.