Inkcitho yomshuwalense wePropati
Ingxelo yomonakalo ngokukhawuleza yintoni abantu abaninzi bacinga ngayo xa beva amagama "inshuwalense yepropati." Njengoko igama layo libonisa, umyalelo womshuwalense wonakalo ukhokelela ukulahlekelwa okanye ukulimala kwipropati yomzimba ngokubangela ilahleko.
Uninzi lwamashishini aluncedo lokufumana umonakalo ngokukhawuleza ngokuthenga umgaqo-nkqubo wepropati . Oku kulandela ukulahlekelwa okanye ukulimala kwipropati enepropati efana nezakhiwo, umatshini wokuvelisa, izixhobo zokusebenza, ifenitshala kunye nesitokisi. Ikwabonelela ngenye indlela yokulahleka okanye ukulimala kwipropati yomnye umntu osebenza yinkampani kwishishini layo. Umzekelo umatshini wokukopisha oqeshwe kwivenkile yokubonelela ngeofisi.
Abaninzi batshorensi bakhupha imigaqo-nkqubo yepropati yezentengiso zisebenzisa iifom eziqhelekileyo zeSO Abanye basebenzisa iifom abaye bazihlakulela ngokwabo. Kukho nawuphi na, imigaqo-nkqubo yepropati iguquguqukayo. Imiqulu ingeniswa, isuswe okanye ishintshwe njengoko kuyimfuneko ngokubambisana.
Ukuthengiswa kwepropati yorhwebo kunokuba kunikwe umgaqo-nkqubo ohlukeneyo okanye udibaniselwano nezinye iifowuni, njengesixanduva esipheleleyo , phantsi komgaqo-nkqubo wephakheji . Ingathengwa kwakhona ngaphantsi komgaqo-nkqubo wabanini-shishini (BOP), umgaqo-nkqubo wemiba elungiselelwe amashishini amancinci.
Element Coverings
Olunye udidi lwe-inshurensi yepropati yorhwebo luneenkcukacha zexesha. Ngaphantsi kwexesha iifayili zomsebenzi, ilahleko zibophelelwe ubude bexesha elithathayo ukulungiswa kwepropati ewonakalisiweyo. Ukulahlekelwa kukukhula njengoko ixesha elifunekayo lokwenza ukulungiswa kwanda. Nantsi imimiselo ye-inshuwalense yelungu lexesha:
- Umvuzo Wentengiso . Ukuxhamla ingeniso inkampani yakho ilahlekelwa xa ishishini lakho linyanzeliswa ukuba livaliwe ngenxa yomonakalo kwipropati engokwenyama ebangelwa yingozi
- Umlinganiselo woNycitho. Ukuhlawula iindleko ozenzayo ukukhusela okanye ukunciphisa ukuvalwa kwebhizinisi lakho emva kokuba ipropati yakho iqhubekele ukulahlekelwa ngumzimba
- Umyinge weNzala. Ukukhupha ilahleko yezemali oyigcinayo xa uqeshiso lwakho lukhanselwa ngenxa yokulahlekelwa okanye ukulimala kwipropati kwindawo yakho
Iimpawu zengxelo zexesha zivame ukubhalwa ngokubambisana nomshuwalense owenzayo. Naliphina leencwadi ezichazwe ngasentla zingeniswa kwipolisi yepropati yoshishino.
Inshorensi ye-Inland Marine
Ipropati yoshishino kunye ne-BOP nkqubo ijolise ukukhupha impahla ephantsi kwendawo yakho. Le migaqo-nkqubo inika inkxaso encinane kwipropati ekhona kwenye indawo. Sekunjalo, amashishini amaninzi anokusebenzisa izixhobo abasebenzisa kwindawo engekho kwindawo. Ngokomzekelo, uninzi lwemithi ezinqumlayo iinkampani ezinamanqanaba, i-saws, i-chippers, kunye nezinye izixhobo ezithutha kwiindawo zabaxumi. Ngokufanayo, ezininzi iinkampani zokwakha zinemishini efana ne-bulldozers, i-loaders, kunye ne-scrapers abayisebenzisayo kumaziko emisebenzi.
Intsimbi yomshuwalense we-Inland yenzelwe ukufihla izixhobo, umatshini okanye enye impahla ehambisa umhlaba.
Ngenxa yokuba iipolisi zomhlaba zasemanzini zikhupha ipropathi ekhutshweyo, zidla ngokubhekwa njengezinto zokuhamba. I-inshurensi yase-Inland yomshuwalense ihlukile kwi-inshorensi yolwandle yasemanzini, ehlanganisa iinqanawa kunye nempahla ehamba kwiindawo eziphezulu.
Kukho iintlobo ezininzi zokungena kwezilwandle zasemanzini. Ezinye zichazwe ngezantsi. Uninzi lweziganeko zengxowanxu lwezilwandle zingongezwa kwipropati yezorhwebo okanye ipakethi yephakheji ngefom ehlukile okanye imvume.
- UbuGcisa boBugcisa. Ilahleka ukulahleka okanye umonakalo kwisigcawu, imizobo, imifanekiso, kunye neminye imisebenzi ebalulekileyo yobugcisa obunxweme
- Umbane weCandelo lokuPhathwa kweeNkampani zilahleka okanye ziwonakalise izixhobo, umatshini, okanye ezinye izixhobo ezisetyenziswayo okanye ezisetyenziswe ngabakontrakthi
- Iingxelo ezifumanekayo. Ukhusela ishishini lakho malunga nelahleko ezibangelwa ukungakwazi kwakho ukuqokelela imali ehlawulwa ngabathengi ngenxa yemonakalo kwiirekhodi ezifunyenweyo zeakhawunti.
- UkuPhumelela kweeNdawo. Ukulahlekelwa yilahleko okanye umonakalo kwimpahla ezithunyelwa kumhlaba ngaphakathi eUnited States. Uninzi lwempahla ejongene nemigaqo-nkqubo ye-transit ye-transit ithunyelwa ngotya, iloli, okanye ukudibanisa ezimbini.
- Ukufakwa koMbane . Ukukhusela umonakalo kwipropati (njengesikeyile) oceba ukufaka kwindawo yomthengi. Ubungakanani obusebenzayo ngelixa ipropati ihamba okanye isuka kwindawo yomsebenzi, kwaye ngelixa lilindele ukufakwa kwindawo yomthengi.
- Umboniso weMiboniso. Ukukhusela umonakalo kwipropati eboniswa kwintengiso okanye umboniso. Ikwajonganisa ipropati ngelixa lihamba okanye livela kwindawo yomboniso.
- Inkqubo ye-Electronic Data Processing (EDP). Ukhusela ibhiziniselwano lakho kwilahleko okanye umonakalo kwiikhompyutheni, idatha okanye imidiya yokugcina . Inkcazo ye-EDP ibalulekile ukuba inkampani yakho ixhomeke kakhulu kwiikhomputha ukwenza imisebenzi yayo yemihla ngemihla.
Umshurensi Wengozi
Iinkqubo zePropati kunye ne-BOP zenzelwe ukugqitywa izakhiwo ezizalisiweyo. Banikela ngoncedo oluncinci okanye olungabikho kwizakhiwo ezintsha ezakhiwayo. Ukuze uqiniseke izakhiwo ekwakheni ukwakhiwa, kuya kufuneka uthenge i-inshorensi yengozi yabakhi.
Umngcipheko wabakhiwa luhlobo lwe-inshorensi yaselwandle. Ngokungafani neentlobo ezininzi zokungena kwezilwandle zasemaphandleni, kunjalo, ingozi yabakhi ibhalwa ngokwayo. Umgaqo-mngcipheko wokwakha umgaqo-nkqubo uqala xa kuqalwa ukwakhiwa kwaye uphela xa iprojekthi igqityiwe. Umgaqo-nkqubo uvame ukuthengwa ngumbonisi jikelele okanye umnikazi weprojekthi. Ikhusela onke amaqela abandakanyekayo kwiprojekthi ekuchaseni umonakalo emzimbeni kwipropati ekhushulwa yingozi. Amaqela ase-Insured aquka umnikazi, ikontrakta jikelele kunye nabo bonke abathungathelanisi.
Intsholongwane yoNyango
Ubusela buyingozi ephantsi komgaqo-nkqubo wepropati. Nangona kunjalo, ininzi imigaqo-nkqubo ayibandakanyi ubusela obubenziwa ngabasebenzi . Kwakhona kubandakanyeka ukulahleka okanye ukulimala kwimali okanye ukugcinwa kweemali ngokubakho naziphi na izizathu. Ukuzikhusela ngokwabaphangi ezenziwa ngabasebenzi okanye ilahleko ezibandakanya imali kunye namasheya, amashishini angathenga i-inshorensi yolwaphulo-mthetho. Ulwaphulo-mthetho luhlobo lomshuwalense wepropati.
Iinshorensi yobugebengu ingabhalwa yedwa okanye yongezwe kwipolisi yomgaqo. Zininzi iintlobo zolwaphulo-mthetho. Nazi ezinye izibonelo:
- Umvuzo woBasebenzi. Ukhusela amashishini ngokulwa nobusela, imali, kunye nezinye izinto eziphathekayo ngabasebenzi
- Umgangatho woKhuseleko lwekhompyutha. Ikhusela ishishini malunga nokubiwa kwepropathi ngelala owenza ubugebengu usebenzisa ikhompyutha
- Imali kunye noKhuseleko lweMpahla. Ukukhupha imali yokulahlekelwa kwemali kunye nokubambisa ukuba ukulahleka kwenzeka ngaphakathi kwendawo yakho okanye kwiziko lebhanki, okanye ngaphandle kwendawo yakho