Ukukhusela iCawe ngeNkampani yeNkxaso-ntle
Zininzi izithuthi ezingabandakanyeka kwiingozi zengozi. Njengamashishini, iicawa zifuna inshurensi ukuze zikhusele iimpahla zazo kwaye ziqhubeke zikhonza umsebenzi wazo.
Imithombo yoLondolozo
Iicawa ezifuna i-inshorensi zingaba nemithombo emininzi yokuxhaswa. Iicawa ezinkulu kakhulu zinokugcina imali kwiimali-mali ze-inshurensi ngokusebenzisa i-inshuwalense . Amasonto amancinci okanye aphakathi angathengisa ukukhutshwa kwepropati-yintengiso yomntu. Enye inketho kukuthenga i-coverage evela kwi-insured insurer efana ne-Church Mutual kunye noMzalwana woMphakathi. Bobabini abatshintshileyo kunye nabasemagunyagrensi abonelelo banikela ngemveliso eyenzelwe iicawa Abaninzi bathengisa iipolisi zepakethi ezibandakanya iifowuni ezifunayo ezifana nepropati, uxanduva kunye ne-auto.
Ininshurensi yePropati
Zonke iicawa zifuna inshuwalense yendlu. Umgaqo- nkqubo wepropati worhwebo uya kukhusela umbutho wakho ngokuchasene nokulahlekelwa okanye ukulimala kwizakhiwo zeefesti kunye nepropati yakho.
Ipropati yeCawa inokuthi ikhutshwe ngexabiso layo lenkokhelo okanye ixabiso layo lokubuyisela. Yiyiphi inketluphi ibhetele kuxhomekeke kwiminyaka kunye nemeko yesakhiwo sakho. Ubungakanani obusekelwe kwixabiso langempela lemali lingafanelekile kwisakhiwo esiphezulu esingekho imeko. Ungakhethi le nkcazo nje njengendlela yokugcina indleko.
Akuyi kuhlawula iindleko ezipheleleyo zokulungiswa okanye ukufaka indawo yepropati eyonakalisiweyo. Ininzi iicawa kufuneka ziqinisekiswe ngendleko yazo yokubuyisela. Ukuba ukhetha umda owaneleyo, ukuthengwa kweendleko kufuneka uhlinzeke ngemali oyifunayo ukuze wakhe kabusha icawa yakho ukuba iyatshatyalaliswa ngokupheleleyo ngumlilo okanye enye ingozi ye-insured.
Olunye uhlaselo omele ulubhenge ukuthenga yintengiso yomshuwalense . Ihlanganisa iindleko ezongezelelweyo ozenzayo ukulungisa okanye ukuvuselela isakhiwo sakho ukuhlangabezana namakhowudi okwakhiwa kwamanje. Ngaphandle kwesi sikhokelo, icawa yakho inokufaka iindleko ezinkulu zokuvuselela ngaphandle.
Zonke ipropati yakho icawa kufuneka ifakwe phantsi komgaqo-nkqubo wepropati. Ukuqiniseka ukuba akukho nto ikhethiweyo, yenza uluhlu lwazo zonke ipropati enepropati. Uluhlu lwakho lunokubandakanya iiholo, amagumbi okuhlangana, ama-parsonages, kunye namaziko emfundo. Ingabandakanya iindawo zokuhlala ezihlala ngumfundisi okanye amanye amalungu ebandla. Izakhiwo zezenkolo, iiglasi, izibhengezo, iincwadi, imithandazo kunye nezinye iimpahla ezixabisekileyo kufuneka zibhalwe kwaye zidweliswe kwishedyuli eyahlukileyo. Ezi zinto zingabhekiswa nge- inshorensi yobugcisa obuhle .
Iicawa azithinteli ulwaphulo-mthetho. Eminye yezobugqwetha eziqhelekileyo ezenziwa ngamasonto ziqhwabalala, zonakaliswa , zitshatyalaliswa, kunye nokweba kwemali ngabaqeshwa .
Ukugqithisa, ukuchithwa kwempahla, kunye nokutshiswa kweengozi kuhlanganiswe ingozi phantsi kwemigaqo-nkqubo yepropati. Ukukhutshwa kwebaqeshi kubasebenzi bakho baya kukhusela icawa yakho malunga nokubiwa kwemali, ukugcinwa kwemfihlo, kunye nezinye izakhiwo ngabaqeshwa becawa. Abanye abaqinisekisayo baya kwandisa inkcazo yomqeshwa ukubandakanya amavolontiya.
Amasonto amaninzi asebenzisa iikhomputha zokuthenga izinto, ukugcina iakhawunti, nokuthetha nabafundisi. Umgaqo-nkqubo wakho wepropati awukwazi ukubonelela ngokufanelekileyo iikhomputha kunye nedatha yakho . Ukuba ayithethi, qwa lasela ukuthengwa kwedatha ye-elektroniki .
Intshuwalense
Kwixesha elidlulileyo, imibutho yonqulo yayisigxina ekuxhaseni . Akukho mntu onokumangalela icawa ngenxa yokulimala ngenxa yokunganakwa kwecawa. Amaxesha ashintshile, kwaye ininzi yesonto ikhutshwe yizinkundla. Namhlanje, iicawa zingaphantsi kweentlobo ezininzi zeentetho ezichaphazela ishishini-ngenzuzo.
Iicawa zitshatyalaliswa ngokukodwa kwizibophezelo ezibandakanya ukulimala kwabantwana.
UmGaqo woLuntu
Inkonzo yomshuwalense yemfanelo ikhusela icawa ngokubhekiselele kumabango ngamalungu omntu ukwenzela ukulimala komzimba , umonakalo wepropati , kunye nokulimala komntu kunye nokuthengisa . Umgaqo-nkqubo wexanduva lwecawa kufuneka uhlanganise nabasebenzi, amavolontiya, amagosa ecawa, abasebenzi kunye namalungu ecawa njengama-insureds.
Amasonto amaninzi avumela ukuba imibutho engekho ngaphandle isebenzise izakhiwo zonqulo kwiintlanganiso, iiklasi kunye nezinye iinjongo. Ukuba icawa yakho ivumela enye imibutho ukuba isebenzise ipropati ephethe icawa, ngaba bathenge i-inshorensi yemfanelo. Nxininisa ukuba inhlangano nganye inikeze isitifiketi senkokhelo yomshuwalense .
Iimpazamo kunye nokuKhutshwa kweMimiselo
Abafundisi beCawa ababonelela ngcebiso ngokomoya banokubanjelwa ukulimala ngokomzimba okanye kwintlungu kumalungu esonto. Ukukhusela umfundisi wabo, iicawa zidinga i-inshorensi yemfanelo yesikhokelo se-pastor, uhlobo lweephene kunye ne-inshorense yokuchithwa. Ngokufanayo, icawa eyenza ukungcwatywa okanye ukucwina kufuneka ikhusele abasebenzi bayo bamangcwaba ngokuthenga ingcwaba-mboleko yemfanelo yamatyala.
Iicawa kufuneka ziqwalasele nokuthenga abathengi kunye namagosa (iD & O) uxanduva kunye noxanduva lomsebenzi (EPL ). I-inshurensi ye-D ne-O ikhusela abalawuli kunye namagosa ngokubhekiselele kumabango echaza ukuba benza izenzo ezingalunganga ngelixa bekhonza ebhodini lecawa. I-inshurensi ye-EPL ihlanganisa amabango ngabasebenzi abachasene nokucalulwa kunye nezinye izenzo zengqesho.
Ezinye iimbali zeemfanelo zecandelo elifanelekileyo kufuneka libheke ngokuthenga zichazwe ngezantsi.
- UkuShatshazwa ngokwesondo kunye noMzimba . Ikhupha amabango ngokubhekiselele kumnxeba womntu ongekho mthethweni okanye ukuxhaphazwa komntwana omncinci ngumntu okhuselekile. Ingabhalwa ngokwahlukileyo okanye idibene kwipolisi yomthetho jikelele.
- Inzuzo yabasebenzi. Ikhupha isimangalo malunga necawa yakho ephumela kwiziphoso ekulawuleni izibonelelo zabasebenzi. Unokungeniswa kwipolisi yomthetho jikelele.
- U xanduva lwabafundisi . Ukukhusela izenzo ezingalunganga, kuquka ukuhlwaywa komntu, owenzelwa ootitshala bakho nabafundi.
- I-Umbrella Iimfanelo ezifumaneka njengemigaqo eyahlukileyo. Unika imida eyongezelelweyo phezu kwalabo abanikezelwa ngumsebenzi wakho wokuqala kunye nokuziphendulela.
I-Auto Auto
Iicawa zihlala zinezithuthi ezisetyenziselwa ukuqhuba ishishini lebandla. Abanye banikezela isithuthi kumfundisi. Kwiicawa ezininzi, amalungu enkolo aqhuba i-autos zabo egameni lenhlangano. Ngako oko, ezininzi iicawa zifuna umgaqo-nkqubo womgaqo-nkqubo oquka ukukhutshwa kwee -autos ezingenayo .
Ezinye iicawa zineebhasi okanye izithuthi ezizisebenzisayo ukuthutha iisonto. Ezi zithuthi zenza ingozi enkulu. Ukuqinisekisa ukuba zisebenza ngokukhuselekileyo, iibhasi kunye neevane kufuneka zigcinwe kakuhle. Ukukhethwa ngokufanelekileyo komqhubi kunye nokuqeqeshwa kubalulekile. Qaphela ukuba ibhasi okanye i-van ilawulwa ngumgaqo-sipala xa ihamba kwimida yelizwe kwaye yenzelwe ukuthutha abantu abangaphezu kwe-15 (kuquka umqhubi). Ukuba awuqinisekanga ukuba zeziphi iimfuno ezingasetyenziswa kwisithuthi esithile, cela ummeli wakho okanye umthengisi ukuba ancede.
Abasebenzi beMbuyekezo
Iicawa eziqeshe abasebenzi ngokuqhelekileyo zibophelelwe ngumthetho ukuthenga i- inshurensi yembuyekezo yomshuwalense . Le ngxelo iqinisekisa ukuba abasebenzi abalimele emsebenzini baya kufumana izibonelelo abanelungelo phantsi komthetho kaRhulumente.
Kwimihlaba embalwa, iicawa zikhululekile kwiimfuno zokuthenga ukuhlawulelwa kwembuyekezo yabasebenzi . Nangona le ngxelo ingafunwa, icawa kufuneka iqwalasele ukuyithenga ngokuzithandela. Ukuxhaswa kwembuyekezo ngokuzithandela kusebenza njengentambo yokulwa nomthetho. Inika abasebenzi abalimele iingenelo ababeza kufumana ukuba zifunyenwe ngumthetho kaRhulumente. Umqeshwa owamkela loo mivuzo unqatshelwe ukuba afune umqeshi wakhe.
Enye i-inshurensi ekucingayo
- Intshuwalense yezeMpilo - icawa yakho inokufuna ukubonelela nge-inshurensi yempilo njengenzuzo ekutyeleni abefundisi okanye kubasebenzi abasigxina.
- Iibhondi eziqinisekileyo - unokuba unomnqweno wokuba nawaphi na amavolontiya asebenza kunye neengxowa-mali zecawa.
- Ukuhamba kunye nokuSebenziselwa ngamazwe - icawa yakho inokukhonza okanye ukuthumela izithunywa zevangeli ngaphesheya kwaye uya kufuna ukuqwalasela le ngxelo malunga nale mi sebenzi.
Imisebenzi emikhulu
Ingqwalasela yale nqaku icawa ezincinci. Iicawa ezinkulu zinokufuna iimpendulo ezihlukeneyo kwaye zinokuzuza kwiinkalo ezithile zemisebenzi yazo ezizimeleyo. Amabandla amakhulu angasebenzisa izikolo, ukunakekelwa kwamasango, okanye izibonelelo zomhlalaphantsi. Imisebenzi enjalo inkulu inokuzuza ngakumbi kwinkonzo yomthengisi esikhundleni se-arhente njengenye yale misebenzi idinga ukuxhomekeka okukhethekileyo ngokwabo.