Isingeniso kwiNkampani yomshuwalense
Wonke amashishini abhekana nomngcipheko wokulahlekelwa ngengozi. Ngelixa amashishini amakhulu anokuba nemali ekufumaneni ukulahlekelwa okukhulu, amashishini amancinci ayenayo. Enye ilahleko enkulu ingafaka inkampani encinane kwishishini. Ngaloo ndlela, abanikazi bamashishini abancinci mabaqinisekise ukuba inkampani yabo iqinisekisiwe ngokwaneleyo.
Iintlobo zeeNkampani zorhwebo
Iinshurensi yoshishino ibandakanya ezininzi iintlobo zokupapashwa. Uninzi lwezigubungelwano ezithengwa ngamashishini ziwela kwicandelo elibizwa ngokuba yi-Intengiso yezoThengiso / iNtsholongwane yokuShawula.
Eli candelo libandakanya ipropati yorhwebo, uxanduva lokuthengisa, u-auto auto, kunye ne-inshurensi yembuyekezo yomshuwalense.
I-inshurensi yeeRhwebo
I-inshurensi yepropati yoshishino yokhusela inkampani yakho ekulahlekelweni kwemali ebangelwa umonakalo kwizinto eziphathekayo ezifana nezakhiwo nezixhobo. Ingxelo yokuqala yenkampani, oku kuthetha ukuba iintlawulo zentlawulo ngqo kuwe, umnini-mgaqo-nkqubo. Izinto ezifihlakeleyo zepropati ezivame ukuthengwa ngamashishini zichazwe ngezantsi.
Umgaqo-nkqubo wezoLimo
Ukuba ishishini lakho liphethe ipropati, kuya kufuneka ukuba ufune umgaqo-nkqubo wepropati yoshishino . Iquka izakhiwo oziphetheyo, kunye nepropati yakho okanye umntu oqeshisayo . Umgaqo-nkqubo uhlanganisa iintlobo zepropati ezisetyenziselwa ishishini eliqhelekileyo, njengefenitshala, izixhobo zokusebenza, izixhobo zeofisi, izinto zokuvelisa, kunye neemveliso ezigqityiweyo.
Inzuzo enkulu kwinqubomgomo yepropati yoshishino yinto eguquguqukayo. Kukho ezininzi iinketho zokukhawulela zokukhetha. Ngokomzekelo, unokukhetha iingozi ezibizo okanye "zonke iingozi". Unokuqinisekisa ipropati yakho ngokusekelwe kwixabiso langempela lemali okanye ixabiso layo lokubuyisela.
Kukho iintlobo ezininzi zokuvumela ezikhoyo, ngoko unako ukongeza, ukwandisa, okanye ususe ukukhutshwa njengoko ukhetha.
Imali yeRhwebo kunye neNdleko eNgaphezulu
Iingeniso zoshishino kunye neendleko zecala ephezulu zihlala zongezwa kumgaqo-nkqubo wepropati. Ngokungafani nendawo ephezulu yokukhutshwa kwepropati, ayifaki ukulimala ngokomzimba kwipropati. Esikhundleni saloo nto, bajonga imiphumo emibili yomonakalo emzimbeni, oko kukuthi ukulahleka kwemali kunye neendleko ezongezelelweyo.
I-inshorensi yengeniso yezoshishino ikhusela inkampani yakho malunga nokulahlekelwa kwemali engenayo eyenzekayo xa ishishini lakho linyanzeliswa ukuba livale ngenxa yokulahlekelwa ngumzimba. Ngokomzekelo, umonakalo womlilo usitya lokudlela, unyanzele ukuba uyeke ukusebenza kuze kulungiswe isakhiwo.
I-inshorensi yakho yengeniso yenkxaso-mali izakufaka ingeniso kwimali engenayo enokuyifumana, ayikho ilahleko eyenziwe, kunye neendleko eziqhubekayo omele uzihlawule (ezifana nombane kunye nerenti). Ngamanye amaxesha ukuxhaswa kuthiwa yi-inshurensi yokuphazanyiswa kweshishini
I-inshorensi eyongezelelweyo yeendleko iquka iindleko ozenzileyo ukukhusela okanye ukunciphisa ukuvalwa kwezinto zakho zokusebenza kweshishini emva kokuba ipropati yakho iqhubekele ukulahlekelwa ngumzimba. Iquka iindleko eziphezulu ngaphezu kweendleko zakho eziqhelekileyo. Ngokomzekelo, isakhiwo apho usebenza khona ishishini lakho lokubhaka liwonakaliswe yinto yokukhosela . Isakhiwo asinakusetyenziswa kuze kubekho umonakalo olungiswayo. I-inshorensi yakho eyongezelelweyo iya kubhalela iindleko zakho ezongezelelweyo zokuqeshisa isikhokelo sesikhashana kunye nokuhambisa izixhobo zakho apho ukuze uqhubeke nokusebenza kweebhakabhile ngelixa isakhiwo sakho silungiswa.
Inshorensi ye-Inland Marine
Iipolisi zepropati zorhwebo zenzelwe ukuhlawulela impahla ehlala kwiindawo ezichanekileyo. Banikezela ngokukhawuleza kwipropati oyisebenzisayo ngaphandle kwendawo yakho.
Unokuqinisekisa ipropati ehambayo, njengeekhamera, iikhomputha zeekhompyutheni, imithwalo, kunye nezixhobo zokwakha, ngokuthenga i-marine coverage.
Zininzi iintlobo zemigaqo-nkqubo yezilwandle zasemaphandleni. Nganye yenzelwe ukuqinisekisa uhlobo oluthile lwepropati. Ngokomzekelo, umgaqo-nkqubo weekontraki usetyenziswe izixhobo zesebenzisa izixhobo, izixhobo zogcino, ii-backhoes kunye nezinye izixhobo ozisebenzisayo kwiindawo zokwakha. Umgaqo- nkqubo wezothutho welizwe ufihla impahla oya kuyo kubathengi kwiilori zakho. Ukuba usebenzisa ipropati ehambayo kwi shishini lakho, kufuneka uqikelele ukuthenga i-inshurensi yolwandle yasemanzini. I- arhente okanye umthengisi wakho unokukucebisa ngeluhlobo lokubhengezwa okulungileyo kuwe.
Intsholongwane yoNyango
Ubunjineli-bhorensi lukhusela iqumrhu elichasene nelahleko ezibangelwa ziziganeko zobugebengu (ngaphandle kobanikazi beenkampani okanye iinqununu). Yenzelwe ukuhlawula ilahleko ezithile ezingagqitywanga yimigaqo-nkqubo yepropati. Ngokomzekelo, ezininzi iinkqubo zepropati azibandakanyi ubusela obuqhutywe ngabasebenzi. Zibandakanyeka ukulahlekelwa okanye ukulimala kwimali, imali, izithenjwa, izitampu zokutya kunye nepropati efanayo.
Unokukhusela inkampani yakho ngokumelene nobusela obuqhutywe ngabasebenzi bemali, ukukhuseleka, okanye omnye umhlaba ngokuthenga umqeshwa wokuba utywala . Ukulahleka okubangelwa kubusela (ngaphandle kobusela obwenziwe ngabasebenzi), umonakalo okanye ukutshatyalaliswa kwemali okanye izitokethi zingabhawulwa phantsi kwemali kunye nokugcinwa kwemali .
Intsholongwane yoTywala
Inyhuwalense yoxanduva likhusela ishishini kwiimali ezibekwa ngabaxumi, abathengi, iindwendwe, okanye amalungu oluntu. Inyhuwalense yexanduva libizwa ngokuba yinkcazo yesithathu ngenxa yokuba ihlanganisa amabango afakwe ngumntu ngaphandle kwe-insured. Kukho iintlobo zontathu ze-inshorensi yemfanelo edla ngokuthengwa ngamashishini: uxanduva oluqhelekileyo, uxanduva lwe-umbrella, kunye neephene kunye nokunyusa.
Intsholongwane Yobunjineli
Umgaqo- nkqubo wokuzibophelela ngokubanzi ubandakanya iimangalo zenkampani yesithathu okanye amafanelana neshishini lakho ngenxa yengozi yomzimba , umonakalo wepropati okanye ubungozi bomntu kunye nentengiso . Ikhusela ishishini lakho malunga neendlela ezahlukeneyo zokugweba. Ezi ziquka:
- Amabango okulimala ngamabhodlela avela kwiziganeko zokutshatyalaliswa kunye nokuwa kwindawo yakho
- Ukulimala komzimba okanye izibango zomonakalo wepropati ezivela kwiingozi ezenzeka kwindawo yomsebenzi
- Izibango ezibangelwa kukulimala okanye umonakalo obangelwa yimveliso yakho okanye umsebenzi ogqityiweyo
- Izibango ezibhekiselele kwisigxina, ukunyundela , ukuboshwa kwamanga okanye ukulimala kwintengiso
I-Umbrella Imfanelo
Umgaqo- nkqubo we-umbrella umgaqo-nkqubo ukhusela inkampani yakho ngokumalunga nezibango zamatyala ezinobungozi. Ngokuqhelekileyo kunika umda we $ 1 yezigidi okanye ngaphezulu. Amanyathelo akho aseburhulumenteni xa umgaqo-nkqubo oyimfanelo oyintloko usetyenzisiwe ukuhlawula amabango. Kufuneka unikezele ngokubanzi ngokubanzi kunomgaqo-nkqubo wesikhundla sakho jikelele. Oko kukuthi, i-umbrella yakho kufuneka ihlawule imiba engafihliweyo kumgaqo wakho oyintloko. Ukuba uthenge izibophelelo zemoto kunye / okanye abaqeshi besikhokelo, umgaqo-nkqubo we-umbrella kufuneka usebenzise kwisiseko esongezelelekileyo phezu kwale mibalelwano.
Iimpazamo kunye nokuLawula
Iimpazamo kunye nokuchithwa kwe- inshurensi (E & O) ye- inshorensi yemfanelo ibandakanya izicelo ezivela kwizenzo zakho zokunganaki okanye ukuhluleka kwakho ukubonelela ngeqondo leengcebiso okanye inkonzo enikezelwa ngabathengi bakho. Kwakhona kuthiwa yintengiso yinshurensi yemfanelo. Unokufuna i-inshurensi ye-E & O ukuba ishishini lakho lenze inkonzo okanye linika iingcebiso kwabanye ngokutshintshela imali. Zininzi iintlobo zamashishini athenge le ngxelo, kuquka abakhi bezakhiwo, oonjiniyela, abacebisi, amagqwetha, abaqulunqi bezakhiwo kunye nabagcini-zimali. Amanye amashishini athenge uhlobo lwe-E & O ye-inshorensi ebizwa ngokuba ngabalawuli nabaphathi bamagosa .
Insurance Insurance
Ukuba ishishini lakho lisebenzisa i-autos, kufuneka udityaniswe ngokuzenzekelayo. Umgaqo-nkqubo wentengiso uquka umthwalo wemoto kunye nokukhutshwa komonakalo ngokomzimba . Ikwaquka kwakhona akukho-mpazamo , kunye / okanye uninsuredured kunye ne-underinsured coverages coverages . Ezi ngxelo zifunwa kwamanye amazwe kwaye zikhethwa ngabanye. Umgaqo-nkqubo wentengiso uguquguqukayo. Unokuqinisekisa iilori, ii-autos ezihamba ngasese, okanye zombini phantsi komgaqo-nkqubo wakho. Ungaqinisekisa izithuthi zodwa, okanye iindidi ze-autos, ezifana ne "autos owned" okanye "ii- autos eziqashiweyo ."
Ungacingi ukuba ipolisi yakho yomgaqo-nkqubo iya kuhlawula amabango kwishishini lakho. Iinjongo zomntu zenzelwe ukufihla abantu kunye namalungu entsapho, kungekhona amashishini. Kwakhona ziqulethe izinto ezingabandakanyiyo kwimisebenzi enxulumene nezoshishino.
Inkonzo Yomshuwalense Wembuyekezo
Inkonzo yomshuwalense yemphuwalense iyimfuneko kwiindawo ezininzi. Ukuba ishishini lakho liqeshe abasebenzi, unyanzelekile ukuba uthenge umsebenzi wokuhlawula imali.
Imithetho yembuyekezo yokubambisa abasebenzi yenza i-compact compact phakathi kwabaqeshi nabasebenzi. Ukuba abaqashi bazalisekisa ukuphela kweengxoxo ngokuthenga i-inshurensi yembuyekezo yomshuwalense, abasebenzi (baninzi) banqatshelwe ukuba bafake izikhwama zokulimala emsebenzini.
Umgaqo- nkqubo wokuhlawulela abasebenzi unamalungu amabini. Icandelo lokuqala, Inkonzo Yomshuwalense weNkxaso-mboleko, ihlawula iindleko ezimiselwe ngumthetho kubasebenzi abalimele emsebenzini. Icandelo lesiBini, uxanduva lwabaqeshi , lukhusela iqumrhu lakho ngokuchasene nokugwetywa kwabasebenzi abalimele. Ukubhengezwa komsebenzi wabasebenzi kubalulekile kuba imithetho yembuyekezo yabasebenzi ingabandakanyi abanye abasebenzi.
Ezinye iiNgcaciso
Ukongeza kwipropati / iindleko zokuhlaselwa ezichazwe ngasentla, iqumrhu lakho lingathenga izibonelelo zabasebenzi. Imimiselo yinshuwalense yezempilo, inshuwalense yezilwanyana kunye nesicwangciso se-401K. Amashishini amaninzi amancinci anika izibonelelo ezinjalo ukubanceda ukuba bafumane kwaye bagcine abasebenzi abanezakhono.
Amanye amashishini athengisa i- inshurensi yomntu oyintloko . Olu khuselo lukhusela ishishini ngokufa okanye ukukhubazeka kwesigqeba esingundoqo okanye umqeshwa . Ingabandakanya umgaqo-nkqubo wokuphila, umgaqo -nkqubo wokukhubazeka, okanye zombini.
II. Ukuthenga Iinshurensi Yoshishino
Ngelixa abanye abaqinisekisayo bathengisa imigaqo ngqo kubathengi, baninzi bahambisa iimveliso zabo ngokusebenzisa i- inshorensi kunye nabathengisi . Ukuba ufuna i-inshorensi kwaye ungayilunganga ulwalamano nomshuwalense, oku kufuneka kube yinyathelo lakho lokuqala. Khangela i-arhente okanye umthengisi onikwe ilayisenisi ukuthengisa i-inshurensi yecala / i-inshorensi. Kufuneka aziqhelane noshishino lakho. Xa ufuna iziphakamiso, nantsi imithombo ethile yokuqwalasela:
- Amashishini kunye nabahlobo
- Imibutho yezobugcisa okanye yorhwebo
- Usapho kunye nabahlobo
- Iiwebhusayithi ze-inshurensi
Abanye abanikazi bamashishini abancinane banokukhetha ukuthenga i-inshorensi kwi-inthanethi Ukuthengwa kwe-intanethi kuyinto elula kuba amawebhusayithi esebenza ngekhefu. Ngaphezu koko, imigaqo-nkqubo ethengiweyo kwi-Intanethi ingaba ixabiso elincinci kuneleyo efunyenwe ngumphathi okanye umthengisi. Nangona kunjalo, i-arhente ye-intanethi ayinakwenzeka ukubonelela inqanaba elifanayo lenkonzo njenge-arhente odibana naye ubuso nobuso. Kufuneka ugweme ukuthenga imigaqo-nkqubo kwi-intanethi ukuba ibhizinisi lakho litsha, okanye ukuba awukwazi ukuba yeyiphi igalelo elifunayo ishishini.
III. Iindleko ze-Inshorensi
Ixabiso lakho le-inshurensi libiza ngaphi? Lo mbuzo kunzima ukuphendula. Intlawulo ohlawula ngayo umgaqo-nkqubo inqunywe ziinkalo ezahlukeneyo. Nazi ezinye zazo:
- Ubume Boshishino Lwenu: IiRhafu ziyahluka kakhulu kumashishini. Ukunciphisa umthi kusemngciphekweni kunokuba kuthengiswe iimpahla, ngoko umthamo womthi uza kuhlawula ngaphezulu i-inshorensi yembuyekezo kunye nabasebenzi be-inshurensi kunokugcina ivenkile yokugqoka.
- Iminyaka Yezoshishino: Abashuseli banqwenela ukuqinisekisa amabhizinisi anempumelelo yokurekhoda. Oku kuthetha ukuba ukuqaliswa kunokuhlawula imali engaphezulu kwe-inshurensi kunenkampani edelelwe ixesha elide.
- Ukulahlekelwa Imbali: Abatshorensi bathembela kumava okulahlekelwa kwangaphambili ukuxela kwangaphambili amava okulahleka. Ngaloo ndlela, amashishini anembali elahlekileyo yokulahlekelwa ngokuqhelekileyo ahlawula ngaphantsi i-inshurensi kunabo abanomlando wokulahleka.
- Indawo: Imirhumo ye-inshurensi iyahluka ukusuka kummandla ukuya kwilizwe, kunye nomzi ukuya kwisixeko.
- Uhlobo loPhuhliso: Uluhlu kunye nobubanzi bokubhengezwa kwenzalo kuthintela intlawulo ohlawulayo. Inkcazo ebanzi ngokubanzi ibiza iindleko ezingaphezulu kwenkcazo encinci.
- Umshurensi: Abanye abatshorensi bahlawula ngaphezulu okanye ngaphantsi kwabanye. Xa uthengisa umgaqo-nkqubo, cela i-arhente yakho ukuba ifumane amacaphuno avela kumabhorensi amaninzi.