Yiyiphi i-inshurensi eyenziwa ngabanikeli be-freelancers ngempela?
Nazi ezinye izizathu onokufuna ukuthwala i-inshurensi, kunye neentlobo ezahlukeneyo ze-inshurensi ukuba zikhangele.
Inkonzo Yomshuwalense Wentlawulo ("Iimpazamo kunye neNkxaso-mali yeNkxaso-mali") kwi-Freelancers
Olu hlobo lomshuwalense lubizwa ngokuba yi -inshorensi yemfanelo yecandelo le-inshurensi okanye i- inshorensi ye -indemnity insurance, kwaye ikukhusela ngokuchaswa ngabaxhasi okanye ngabaxhasi bexesha elide bathi unobhala okanye umkhiqizo owenziwe ngandlela-thile ngenxa yephutha okanye ukungaphumeleli ngengozi.
Olu hlobo lweempahla luya kufakwa kwinkqubo yenkundla yenkundla kwaye inokukuhlawula imali eninzi. Kuyacaca ukuba oku akuyi kubandakanya iimeko ezaza kugqiba enkundleni yezobugebengu! Yinshorensi efana ne-inshurensi yokungasebenzi yonyango ukuba oogqirha bayabamba; yinshurensi ekwagubungelayo kwaye iyanqanda uxanduva lwakho ngelixa usenkonzweni yokwenza umsebenzi wakho. Olu luhlobo lwe-inshorensi edlalwa rhoqo ngabacebisi kunye nakwiikontraki ezizimeleyo.
Intsholongwane ye-Intshurensi yabaxhasi
Le nto "isonga kunye nokuwa" yinshurensi. Oko kukuthi, yi-inshorensi ebandakanya wena ukuba ulimele kwindawo yakho. Ezinye iziganeko ziquka ukubethwa kweenja, njl. Ngokucacileyo, ukuba awunayo abaxhasi okanye abathungatheli bavakashele indlu yakho, oku kungenakukhupha. Nangona kunjalo, ukuthengwa kwee-inshorensi kunye kunye kunokukhokelela ekuphuhliseni okukhulu, kwaye uya kufuna ukukwazi ukumemela abantu endlwini yakho kwiphini, ngoko ke unike le inshurensi ukubukeka kwesibini.
I-Intshurensi yaseKhaya yabaxhasi
Ukuba ubhala kwiofisi yasekhaya, qwalasela ukujonga ngegosa lakho le-inshurensi yasekhaya. Kufuneka uqinisekise ukuba i-inshurensi yakho yasekhaya ifaka iofisi yakho yasekhaya kunye nezinto ngaphakathi kwayo. Ndikhangele iipttops ezimbini kunye nomshicileli oza kundibiza i-$ 5000 ukuba ibuyisele endaweni yawo okanye ilahlekelwe ngumphangi.
Ngoku, ndicinga ukuba zigqutywe phantsi kwe-inshurensi yabanini ekhaya, kodwa awukwazi ukuba ungakhangeli. Kuthekani ukuba i-inshurensi yakho idinga umgibeli okanye ipolisi ehlukile? Ngeke ufune ukufumana loo nto njengoko uhlaziya kwisiganeko esibuhlungu.
Iziqulatho ze-Innshurensi kubaFikeli bamaFreeli
Iziqulatho ze-inshurensi zifana nale ingentla, kodwa ngokukhawuleza zihlanganisa izinto kwiofisi yakho (njengama-laptops apha ngasentla).
Umshuwalense woMbane kwi-Freelancers
Ngaba usebenzisa isithuthi sakho ukutyelela abathengi, ukuya kwiintlanganiso okanye ukwenza imisebenzi yokuthengisa? Hlola kunye ne-inshente yemoto yomshuwalense ukuba uqinisekise ukuba le ntsebenzo ihlanganiswe phantsi kwe-inshurensi yezithuthi.
I-inshurensi yokuphazamiseka kwezoshishino kuma-Freelancers
Olu hlobo lomshuwalense luqinisekisa ukuba unemali engenayo eqhubekayo imisebenzi yakho yezoshishino iphazamisekile ngolu hlobo lwentlekele yendalo. Izilungiso ziyahluka, kodwa zinokusindisa ezininzi iintlungu.
I-inshurensi yokukhubazeka kubaxhasi
Abafaki-nxaxheba abafihlakeleyo ngabaqeshi njengaye wonke umhlaba osebenzayo. Ubhujimali obakhubazekileyo buqinisekisa ukuba uya kuhlala ufumana ingeniso xa usenzakele okanye ulimele kwaye awukwazi ukubhala. Ndafumana amanyathelo amnandi kunye nentlawulo ephantsi kwenyanga yomshuwalense wokukhubazeka kwi-Union Freelancers Union.
Inshshurensi yezeMpilo kuma-Freelancers (kunye ne-Intshurensi kazwelonke
Ukuxubha kwiinkcukacha zeminshurensi yezempilo kubahlali be-freelancers apha, kunye noMthetho ononophelo loNcedo kunye nendlela ochaphazela ngayo ama-freelancers.
I-inshurensi yamazinyo kuma-Freelancers
Ndifumene iinketho zokugaya amazinyo kwiwebhusayithi ye-Freelance Union, nayo. Kwakhona, zibonakala zibiza. Ekufuneni kwinshurensi yezempilo yokuzimela, ezi zixhobo zamanzi kunye nababoneleli zinokuba luncedo ekufumaneni inshuwalense yamazinyo.
I-inshurensi yoBomi kubaxhamli
I-Freelance Union ithi ixabiso lakho, kwaye ndiqinisekile ukuba intsapho yakho ivakalelwa ngendlela efanayo! Ubshuwarensi bomiqinisekisile ukuba ukufa kwakho akusiyo umthwalo ongenakunzima kwintsapho yakho, kwaye ubabonelela umyinge wemali engenayo ukubuyisela eyakho. I-Union inamanani athile afikelelekayo.
I-Assurance Media kubaFikeli
Ndaqala ukufunda nge-inshurensi yamabhaso kwiBasetyhini ngokuBhala. Kwakhona kuthiwa yi "inshorensi yemithombo yeendaba". Le nqaku ichaza njengesikhuselo ekuchaseni kunye neengxaki zesigxina, ngokuqinisekileyo kubonakala kuyimfuneko kulo mhla kunye nobudala bokulinganisela kunye nokuphonononga wonke umntu kwi-intanethi.
Iphawula ukuba, nangona ungekho ngokupheleleyo kwaye ungenacala ngokupheleleyo kwintlawulo leyo, iirhafu zomthetho ezinxulumene nokulwa neentlawulo ezinjalo ziyingcali zeenkwenkwezi, kodwa zigqutywe yi-inshurensi. Uvakala ngathi uphumelele kum.
I-inshurensi yoNgezelelweyo yabaFundeli
Ubonise iimveliso ze-AFLAC, kunjalo? Emva kokucoca i-website ye-AFLAC, ndiqaphele ukuba le migaqo-nkqubo (ngenxa yeendleko ezichanekileyo ezifana nokubolekwa kwemali, iindleko) zithengiswa kubantu ngabanye, ngoko ke kunengqiqo yokuba ziyafumaneka kubaxhasi bee-freelancers. Zive ukhululekile ukugubungela i-website yabo-bafumana ubomi, amazinyo kunye ne-inshorensi enkulu yokugula.
Ukuzifihla ngoku kunceda ukuphepha izinto ezininzi emva koko! Hlola iimfuno zakho kwaye wenze umsebenzi wesikolo sakho, kwaye uya kugqiba ngezoshishino kunye nokuzifihlakela kwakho okulungileyo.