Isizathu sokuba iNkampani Yakho Ifuna Inyanzeliso Yomshuwalense Yoshishino
Amashishini adinga i-inshorensi yemfanelo yokuzikhusela kwiimali ezisetyenziswe ngabaxhamli bezoshishino, abathengi, abathengi kunye nabanye abantu abathathu. Isigwebo sinokubiza kakhulu. Ukuba inkampani ihlawuliswa, i-inshorensi yemfanelo ingayichaza umahluko phakathi kokusinda nokuhlaliswa kwe shishini.
UkuXhobisa kunye noKhuselo
Inyhuwalense yemfanelo iquka iintlobo ezimbini zeendleko ezinxulumene namacala omthetho: ukuhlawulelwa kunye nokukhusela.
Ukukhutshwa kwezibonelelo kubandakanya umonakalo okanye izakhiwo ezihlawulwe kummangali. Le nkcazo ixhomekeke kumda, njenge-$ 1 yezigidi. Umshuwalense wakho uya kuyeka ukuhlawula umonakalo okanye ukuhlala emva kokuba umda wakho umgaqo usetyenzisiwe.
Ukukhuselwa kwezokhuselo kusebenza kwiindleko zokuphanda ibango kwaye kukukhusela kumgwebo. Iquka iindleko zakho zomshuwalense ezibandakanyeka kwiingqungquthela zamangqina, ukuqhuba izibhengezo, nokuqesha iingcali ukuba zingqina ngokukhusela kwakho. Kwakhona kubandakanya iintlawulo ezihlawulwe ngummeli ukukhusela. Igosa lingasetyenzwa ngu-inshurensi okanye iqeshwe kwinkampani yangaphandle. Imigaqo-nkqubo eninzi (kodwa engekho yonke) inika inkxaso yokukhusela okungenamkhawulo. Oku kuthetha ukuba i-insurer yakho iya kuqhubeka ihlawule iindleko zokukukhusela de ibango okanye i-suit isisombululo.
Kukho iintlobo ezintathu zentsholongwane yomshuwalense kwishishini elingafunekayo: uxanduva olubanzi, uxanduva lwe-ambulula, kunye ne-inshurensi yemfanelo yomshuwalense.
Intsholongwane Yobunjineli
Phantse onke amabhizinisi adinga i- inshorensi yemfanelo yentsholongwane .
Olu khuselo lukhusela amashishini ngokubhekiselele kwezinye iintlobo zamabango eziqhelekileyo okanye izinto ezifanelekileyo. Iquka ezintathu iintlobo zokuhamba:
- UkuLawulwa koBungozi kunye nokuLawulwa kwePropati
- Ubuntu kunye noKhuseleko lokuLawulwa kweNtengiso
- IiNtlawulo zonyango
Ezi ngxelo zihlala zibizwa ngokuba nguMqulu we-A, uMgangatho B kunye no-C, ngokulandelanayo.
UkuLawulwa koBungozi kunye nokuLawulwa kwePropati
Ukuxhatshazwa kweBhodi kunye nokuLawulwa kwePropati (Ubungakanani A) kusebenza kumabango okanye ukuxhatshaza kwiqumrhu lakho ngenxa yokulimala komzimba okanye umonakalo wepropati . Ihlanganisa amabango achaza ukunganakwa kwenkampani yakho eyenza ukuba kwenzeke (ingozi) eyabangela ukuba ummangali abe nokulimala komzimba okanye umonakalo wepropati.
Umyinge A ububanzi. Iquka ukulimala komzimba okanye izibango zomonakalo wepropati ngaphandle kwalawo aphantsi kokungabikho .
UkuLawulwa koBungozi kunye noPhulo lweMpahla kuhlanganisa zonke ezi zilandelayo:
- Izikhundla ezixanduva: Ukukhusela umonakalo emzimbeni okanye umonakalo wepropati owenzeka kwindawo yakho kwaye uphuma ngenxa yokunganakwa kwakho. Ngokomzekelo, umthengi ushiya kwaye awele emanzini emanzi esitolo sakho, enokulimaza umlenze wakhe.
- Ukusetyenziswa kweMfanelo: Ukukhusela ukulimala komzimba okanye umonakalo wepropathi ovela kwimisebenzi oyenzayo ngaphandle kwendawo yakho. Umzekelo, ufaka izixhobo zekhompyutheni kwiofisi yomthengi xa udibanisa ngephanya-shelf, uphula isiqwenga somsebenzi.
- Ubume besikhundla : Uxanduva lokuthatha isigxina phantsi kwekhontraki yezinto ezingamangalelwa kumnye umntu. Ngokomzekelo, ukuqeshiswa kwendawo yokuqeshisa kufuna ukuba uthathe uxanduva kunoma yiziphi na izigwebo ezibhekiselele kumnini-mnini wakho ovela ngaphandle kokusetyenziswa kwakho okungekho nto kwisakhiwo.
- Uxanduva lweZenzo zoNxibelelwano : Ukhupha uxanduva lwakho lokunyaniseka okwenziwe ngabakontraki abazimeleyo oqeshwe.
- Umthwalo weMveliso : Ukwazisa amabango ngamalungu omntu athetha ukuba imveliso oyenzile okanye eyithengisayo ayilunganga, kwaye ibangele ukugcina ukulimala komzimba okanye umonakalo wepropati.
- Ukugqitywa kweMisebenzi yoLuntu : Ukwazisa amabango ngamalungu esithathu echaza ukuba umsebenzi owugqibileyo awunalucalulo, kwaye wabangela ukuba balondoloze ukulimala komzimba okanye umonakalo wepropati.
Ubuntu kunye noKhuseleko lokuLawulwa kweNtengiso
Ubuntu kunye noTywala lokuLawulwa kweNtlungu kubandakanya ukulimala kwabanye abavela kwicala eligqityiweyo. Ngokuphambene noMgangatho we-A, uMyinge B usebenza ngokulimala kwezezimali kunokulimala ngokomzimba. Ukulimala kubhekiswe kuphela xa kubangelwa enye yeendlela eziyisixhenxe zecala ezichazwe kwingcaciso yomntu kunye nokulimala kwintengiso . Iimpazamo ezifihliweyo zibandakanya izenzo ezinjengobungqingili , ukunyundela kunye nokuboshwa kwamanga . Ezi zenzo zizenzekelayo, ezithetha izenzo ezenzelwe ukuba zenze ukulimala okungenakuzenzela.
Ubungakanani B buquka ezinye iintyala ozenzayo kwiinkqubo zokubhengeza ishishini lakho . Ngokomzekelo, libandakanya amabango ngamanye amafemu okuchaza ukuba uchithekile imveliso yazo kwisibhengezo sakho.
Umvuzo woNyango
Ngokungafani neeNgcaciso ze-A kunye no-B, umGaqo-mali wokuThuthwa kwezoNyango (uMgangatho C) awufihla ukugwetywa komntu wesithathu. Kunoko, iquka iindleko zonyango ezenziwa ngabantu abalimele kwindawo yakho okanye kwindawo yomsebenzi ongaphandle. Ezi ndleko zikhutshwe kungakhathaliseki ukuba ziphoso. Okokuthi, amaqela alimele akufuneki ukuba angqina ukuba unesibopho sokulimala kwabo ukufumana intlawulo phantsi komgaqo-nkqubo wakho.
Ukuhlawulwa kweentlawulo zezoNyango kuhloswe ukukhusela izigwebo ngabathengi abalimala kunye nabanye abathathu. Umda onikezelweyo udla ngokuphantsi, njengama-$ 10,000.
Iingxowa-mali zoLhwebo
I- ambulula yezorhwebo ngumhlobo wemigaqo-mboleko eyenza imisebenzi emibini. Okokuqala, isebenza njengesigxina esiphezulu, sinika imida engaphezulu. Imida kwi-umbrella yakho isebenza emva kwemida kumgaqo-nkqubo wakho wokuzibophelela. Okwesibini, i-umbrella inika ingxelo ebanzi ngaphezu kweenkqubo zakho ezisemthethweni. Oko kukuthi, kubandakanya imiba engafikelelwa yimigaqo-nkqubo yakho ephambili.
I-umbrella ikhusela inkampani yakho ngokubhekiselele kwilahleko ezinkulu ezinokuthi ziphazamise ukuqina kwakho. Umzekelo, umntwana uncedisa ukulimala kwentloko emva kokuwa esitolo sakho. Uchitha iiveki ezimbalwa kwisibhedlele ngononophelo olunzulu. Abazali bakhe bamangalela inkampani yakho ngenxa yokulimala komzimba, kwaye ibango lihlawulelwe i-$ 1.5 yezigidi. Imali yokuhlawula idlula i-$ 1 yezigidi nganye Umda ngamnye Umlinganiselo kwipolisi yakho yemfanelo jikelele. Xa kungabikho i-sambule, inkampani yakho iya kubakho i-$ 500,000 yokulahlekelwa kwelahleko.
Phantse yonke imigaqo-mambula isebenze ngaphezu kweyona mgaqo-nkqubo oyimfuneko. Ukuba inkampani yakho inesiqinisekiso sokuthengisa umthwalo okanye uxanduva lwabaqeshi , i-ambulera yakho kufuneka idibanise loo miqulu. Ezinye iibrale ziquka ukugcinwa kwe-insured (SIR). I-SIR isebenza ngokucacileyo kumabango ahlanganiswe yi-umbrella kodwa ayinakutyhulwa yinshurensi.
Xa uthengisa i-ambulera , qhubeka ukhumbula ukuba imigaqo-nkqubo iyahluka ngokubanzi. Abanye banikezela ngokubanzi kunabanye. Abanye bangabandakanyi iifayili, ezinjengeemfanelo zotywala , ezibandakanyiweyo kumgaqo wakho oyintloko. Ukuba ufuna uncedo ekuchazeni ulwimi lomgaqo-nkqubo, cela i- arhente yakho okanye umthengisi ukuba uncede.
Iimpazamo kunye nokuLawula
Njengoko igama layo lisikisela, iiphosoji kunye ne-inshorensi yemfanelo yomshuwalense iquka amabango aphuma kwizenzo ezinganamthetho, iimpazamo okanye ukushiya okwenziwa ngumsebenzi ngexesha lokubonelela ngeenkonzo kwabanye. Iimpazamo kunye nokuchithwa (i-E & O) ityala libizwa nangokuthi uxanduva lomsebenzi.
I-inshurensi ye-E & O ihlanganisa amabango afuna umvuzo ngenxa yokulahlekelwa kwemali kunobungozi bomzimba okanye umonakalo wepropati. Nayiphi na inkampani enika iingcebiso okanye yenza inkonzo kufuneka iqwalasele le ngxelo. Imizekelo iifemu zenkcazo, iinkampani zokubonisana, iifayili zobunjineli, iifemu zokwakha, kunye neenkampani zokuyila iwebhusayithi. Iimigaqo-nkqubo ze-E & O zihlala zifaka isicelo kwisiseko esenziwe ngamabango .
Uninzi lwe-E & O batshutshisi banikezela imigaqo-nkqubo eyenzelwe iintlobo ezithile zamashishini. Ngokomzekelo, i-firm firm ingathengisa i-E & O yinshorensi. Ubunjineli okanye ifayili yendawo yokwakha iyakwazi ukuthenga izakhiwo kunye neenjineli ze-E & O. Udokotela angathenga oogqirha bezengcali (okanye unyango lonyango). Abanye abatyhurensi nabo banikezela "i-catchall coverage" ebizwa ngokuba yi-inshurensi yemfanelo ye-inshurensi yemfanelo. Le ngxelo ingasetyenziselwa ukuqinisekisa ezininzi iintlobo zamashishini anobungozi bokuzibandakanya.
YoLawulo lweNtsholongwane
Iinkampani ezininzi zithenga iqela le-E & O efihlakeleyo edlalwa ngokuba yintengiso yomshuwalense. Eli candelo liquka oku kulandelayo:
- Abalawuli kunye namaGosa (i-D & O) uxanduva : Ukwazisa amabango kumagosa ebambisene okanye abaqondisi (ukuba abazange bahlawulelwe yinkampani) ngenxa yeeposiso okanye ukushiya abakwenzayo xa beqhuba imisebenzi yabo egameni lenkampani. Kwakhona, iquka amabango malunga nenkampani ephakanyiswayo yimbopheleleko yayo yokuziphatha kwezenzo zabalawuli kunye namagosa. Iinkqubo ezikhethekileyo ziyafumaneka kwiintlobo ezithile zamashishini. Ngokomzekelo, iinkampani ezizimeleyo zingathenga inkampani yangasese ye-D & O.
- Iingqesho zoLuntu : Ukuqulunqa amabango anxulumene nomsebenzi afakwe ngabasebenzi abathintela izenzo ezifana nokucalulwa, ukupheliswa okungafanelekanga kunye nokuxhatshazwa.
- Uxanduva lwe-Fiduciary: Ukwazisa amabango ngokubhekisele kwizicwangciso zamancedo ezibonelelo zabasebenzi ngenxa yeeposiso okanye ukushiya okwenzayo ngexesha lolawulo lwezicwangciso ezinjalo.