Iintlobo ze-Intshumo-shishini Yoshishino Unokufuna

Ngaba ishishini lakho lifihliwe ngokungalindelekanga?

Akukho nto ebomini eqinisekile kwaye oku kuquka izinto ezinokuchaphazela imisebenzi yakho yezoshishino. Iintlekele zemvelo, izivunguvungu kunye nobutshaba yimiba enokuthi ingonakalisa ubomi bakho bobugcisa. Thatha ixesha lokwenza i- inshorensi ye-inshorensi kwaye qinisekisa ukuba into engalindelekanga ayigcini ishishini lakho kumathrekhi alo. Kukho iintlobo ezisisiseko ze- inshorensi yoshishino ebalulekileyo kwimisebenzi yakho kuquka:

• Ininshurensi yepropati : Umgaqo-nkqubo we-inshurensi yepropati ihlawula umonakalo kwipropati yakho yepropathi ngenxa yokulahlekelwa. Umgaqo-nkqubo awugcini nje kuphela ukukhusela indawo yakho yezoshishino kodwa kwakhona okuqulethwe kuyo kufaka ifenitshala yeofisi, iikhomputha, i-inventory yakho yezoshishino kunye nezinye izinto ezibalulekileyo kwimisebenzi yezoshishino. Ininzi ye-inshorensi yepropati inikezela ngeendleko zokukhusela ishishini lakho ngaphandle komonakalo emva kwelahleko enjengomlilo (kubandakanye nezinto ezinjengokutshatyalaliswa kwenkunkuma) kunye nemali efunekayo ukuze uqhubeke nokusebenza kwishishini lakho kude kube nomonakalo olahlekelwa yilahleko.
• Inkokheli Yomshuwalense : Njengomnini-shishini, unokumangalelwa ngabanye ngenxa yomonakalo obangelwa ukunganakwa kweenkonzo zakho zezoshishino ezonakalisa abanye njengemveliso ephosakeleyo. Inkonzo yomshuwalense ihlawula umonakalo wakho kunye neendleko zomthetho ukuba ulandelwa kwimida yakho yomgaqo-nkqubo. Umgaqo-nkqubo wakho wokuzibophelela uya kuhlawula imali yezonyango zabanye abonakaliswe yishishini lakho.

• Intsholongwane ye-Auto Auto : Naliphi na isithuthi osisebenzisayo ekusebenziseni ishishini lakho kufuneka sifakwe kwipolisi yakho yokuthengisa. Ininzi yemigaqo-nkqubo yomshuwalense yemoto ayikhethi iinqwelo ezisetyenziselwa injongo yezoshishino Umgaqo-nkqubo wakho wentengiso uzakuhlawula ukulimala komzimba okanye umonakalo wepropati kwabanye obangelwa ukusebenza kwesithuthi sakho kwisithuthi sakho kwimida yakho. Unokwenza umgaqo-nkqubo we-inshurensi yemoto yoshishino ukwenzela ukufanelana neemfuno zakho ezithile ezifana nokuhlawula ukutshintsha isithuthi esibandakanyekile engozini.

• Inkonzo Yomshuwalense Wembuyekezo Inxephezelo : ezininzi zifuna abaqashi ukuba bathathe i-inshurensi yembuyekezo yomshuwalense Abanikazi bezentengiselwano zaseTexas abafunwa ukuba baphathe imbuyekezo yabasebenzi. Imfuno yabaqeshi abaneenombolo ezifunekayo zabasebenzi (ezi zigaba ukusuka kwiintathu ukuya kwiihlanu kuxhomekeke kwimeko ehlala kuyo). Umgaqo-nkqubo wokuhlawulela abasebenzi uya kuhlawula unyango lwezempilo kwaye ulahlekelwe ngumvuzo wabasebenzi abalimele emsebenzini. Ingxelo yokuhlawula ihlawula umonakalo kungakhathaliseki ukuba ubani ophosakeleyo kwingozi. Ukuba umqeshwa uyafa, umgaqo-nkqubo uza kuhlawulela inzuzo yembuyekezo kwintsapho yomqeshwa. Ukuba unomashishini omncinci, ungeke uvumeleke ngokomthetho ukuba uthwale i-inshurensi yembuyekezo ye-inshurensi, kuxhomekeke kwimeko ohlala kuyo. Nangona kunjalo, nangona ungafunwa ngokomthetho ukwenza njalo, ukuqhuba le ngxelo ingaba yinto efanelekileyo ukuba Qinisekisa ukuba ukhuselwe kwisigxina somthetho xa umqeshwa enzakele emsebenzini.
• I-Error kunye ne-Omission (i-E & O) / Inkonzo Yobshuwarensi : Ukuba ibhizinisi lakho libandakanya kwiinkonzo zobungcali kuquka nokunika iingcebiso ngeengcali, ukwenza iingcebiso, ukuyila imikhiqizo, njl. unyanzelekile ukuba ulandelelwe ukuba unika iingcebiso eziphosakeleyo okanye wenze iziphakamiso ezingalunganga ezibangele abanye ububi. Iiposiso kunye nokuchithwa komgaqo-nkqubo kuya kukukhusela kulezi mpazamo kwisigwebo kwaye uhlawule iindleko zomthetho ukuya kumda wemigaqo-nkqubo.

Ukongeza kwezi ntlobo ezisiseko ze-inshorensi yoshishino, kukho ezinye iintlobo ze-inshorensi yoshishino ongayimfuneko. Unyaka omtsha lixesha elihle lokuhlaziya i-inshorensi yakho kodwa naliphi na ixesha wenza utshintsho olukhulu lobunini okanye imisebenzi, kufuneka uhlaziye ingxelo yakho nge-inshorensi. Nazi iindlela ezimbalwa ze-inshurensi yoshishino ongayimfuneko kodwa ungenayo:

1. Ulwaphulo-mthetho Inshshurensi: Ulwaphulo-mshoni Inkokhelo yinto esiva ngayo nangakumbi malunga nale mihla. Kungenzeka, phambi kokuhlaselwa kobugandaganda ngo-9/11, awuzange uve nge-inshorensi yobundlobongela. Le ngxelo yomshuwalense okhusela imisebenzi yakho yezoshishino ngokubhekiselele kwilahleko ezibangelwa kwimisebenzi yamaphekula.
2. I-inshurensi yokuThengiswa kweTanki engaphantsi komhlaba: Iitanki zokugcina phantsi komhlaba zihlobo oluthile lomngcipheko wabanini-shishini. Ukuvuza okungaphantsi kwezinto ezinobungozi kunokubangela ukuba uhlawule amawaka amawaka eedola. I-insanki ye-tank yobuncwane engaphantsi komhlaba ingakusindisa kwiinkcitho zemali xa itanki lakho elingaphantsi komhlaba liqala ukuvuza. Kuya kuhlawula izinto ezifana nokuhlanjululwa kwendawo kunye neendleko zokuxanduva xa ukuvuza kudala umonakalo kwabanye okanye kwipropati yabo.

1. Ubume beNgcoliseko kunye ne-Inshyulo yendalo : Umgaqo-nkqubo wokuzibophelela jikelele kwi-shishini lakho unokuthi ungaqulethe ukungabikho kokungcola kwaye ukushiye ungakhuselekanga nxamnye nelahleko ezinxulumene nokungcola. Abanikazi bamashishini kufuneka bavavanye iimfuno zabo ze-inshorensi zokuxhatshazwa komngcoliseko kunye nezinye iintlobo zentengiso yomshuwalense. Inyhuwalense yemfanelo yongcoliseko yintengiso ebalulekileyo kwiikontraka ezizimeleyo. Ukucocwa kwenkunkuma yendalo kungakhokelela iindleko zeerandi. Ngokuxhomekeke kulohlobo lwezoshishino onalo, uhlobo lokungcoliseka komfaki-mali olufunekayo luya kuhluka.
2. Iinjineli kunye nabacebisi nge-E & O Ininshurensi: Iiinjini kunye nabacebisi abanokujamelana neematyala zomthetho ngenxa yeenkonzo abanika zona. Oku kubandakanya umonakalo obangelwa ziikontraka ozisebenzisayo xa uphumelela iinkonzo zoshishino zakho. Lo mgaqo-nkqubo ukhusela ukuba ngaba nayiphi na yezi kontrakthi ayinaki kwaye yonakalisa abanye. Abanye abathengi bafuna iikontraki ukuba zibe neInjiniya kunye nabacebisi nge-E & O nshurensi ngaphambi kokuba baqeshe.
3. Intshutshiso Yoshishino Lokuphazanyiswa: I-inshurensi yokuPhazamiseka kwezeShishini, eyaziwa njengeNkampani yomshuwalense yeNgeniso yeNkxaso-mali ifumaneka njengendlela yokuvumela kwi-Policy Owners Policy (BOP), iPolisi yePakethi yezoThengiso (CPP) okanye umgaqo-nkqubo wepropati. Ukuba kufuneka unqande ukusebenza kwezoshishino ngenxa yoluhlobo lweentlekele okanye isiganeko esingalindelekanga esibangela ukulimala kwipropati yakho yeshishini, le ntlawulo ihlawula iindleko zokusebenza kuze kube yilapho unokwenza ukulungiswa okufunekayo kwaye uqale ukusebenza kwezoshishino kwakhona.
4. Ukuthuthwa kweeNkcitho zeNtsholongwane yeeNkunkuma eziMngcipheko (i-HAZMAT): i- inshurensi yeHAZMAT ihlanganisa ukuthuthwa kwezinto eziyingozi ngeloli, ukuloliwe, isikebhe okanye iinqwelo-moya. Lo mgaqo uphepha uxanduva lokulayisha / ukukhulula imithwalo yempahla, ukuhanjiswa kwe-transit, ukucoceka kwendawo kunye nokuhlambuluka okuqhubekayo okubangelwa ukuhlaselwa kwezixhobo ezinobungozi. Iinshurensi yeHAZMAT ngumthetho osemthethweni wezinto ezinobungozi bezinto eziphathekayo.
5. I-Insurance Breach Intsholongwane : Akungabazeki ukuba uvile iindaba eziphazamisayo malunga nendlela abaduni bekwazi ngayo ukufikelela kwingcaciso yabucala yabasebenzi bekampani okanye abathengi. Ukuba inkampani yakho igcina lolu hlobo lwengcaciso eyimfihlo kwikhompyutheni okanye iseva, uxanduva lokusemthethweni ukukhusela le nkcazelo. I-inshurensi ye-Breach ye-Data ikhusela abanikazi boshishino kwiimbopheleleko ezisemthethweni ezibangelwa kulolu hlobo lokuphulaphula, nokuba ulwazi lugqityiwe ngekhompyutha okanye ngezinye iindlela ezifana nefayile yephepha.
6. Abakhokeli kunye namaGosa e-Intshumo : Abalawuli kunye namaGosa Umgaqo-nkqubo we-Inshisi ukhusela wena njengomlawuli okanye igosa leenkampani ukuba izenzo zakho zichaphazela kakubi inzuzo yenkampani okanye ukuba inkampani ilandelwa ngenxa yezenzo zakho. Umgaqo-nkqubo uza kuhlawula umonakalo wezomthetho kunye neerhafu.
7. Uxanduva lwezeNgqesho: Ukuba ngaba nabani na bakho kwabasebenzi bakho bafake ibango elichasene nawe ngokucalulwa kuquka ubudala, ubuhlanga, ukukhubazeka, ukucalulwa ngokwesondo, ukupheliswa okungafanelekanga okanye olunye uhlobo lokucalula; olu khuselo lukhusela le ntlobo yeebango eziphathelene nomsebenzi.
8. Ukuxhatshazwa okugqithisileyo: Umgaqo-nkqubo wokuThatyalaliswa okweNdleko, okanye umgaqo-nkqubo wokunyuka kwemfanelo, unika ukhuselo olongezelelweyo kwisiganeko esiyingozi njengomonakalo obangelwe kwi shishini lakho. Ukuba umoya wavutha ophahleni lwakho kunye nabathengi babenobungozi; ukuba iindleko zigqithise imingcele yomgaqo-nkqubo wakho, yilapho umgaqo-nkqubo wakho wokuxhatshazwa kwemali uza kuthatha iindleko ezongeziweyo. Lo mgaqo ufana nomgaqo-mboniso.

Ukuba wacinga ukuba umdla wakho uphelelwe ngumshuwalense wepropathi okanye uxanduva kuphela, unokuba uphazamisekile. Musa ukulinda uze ulahlekelwe yintlupheko yokucinga ngokuthenga i-inshorensi efanelekileyo yoshishino. Ezi azinjalo kuphela iintlobo ze-inshorensi yoshishino ongayimfuneko. Cwangcisa ukubonisana nomsebenzi we-inshorensi yoshishino ukuba uhlaziye i-inshorensi yakho yoshishino lwe-inshorensi kwaye uqinisekise ukuba i-asethi yezoshishino zakho ikhuselwe kwiziganeko ezingalindelekanga.