Ininzi yemigaqo-nkqubo yemfanelo ethengwe ngabanikazi bamashishini amancinci yimigaqo-nkqubo.
Iminye impazamo yeeposiso okanye ukuchithwa , okusebenza ngokusekelwe kumabango anziweyo. Eli nqaku liza kuchaza ukungafani okubalulekileyo phakathi kwemigaqo-nkqubo eyenziwa ngamabango. Ngeenjongo zokubonisa, iya kuqhathanisa inguqu ye- ISO yomgaqo-mboleko jikelele kunye nomzala wakhe owenziwe ngamabango.
Isiganeko CGL
Ininzi yemigaqo-nkqubo yemfanelo yezo shishino ibhaliwe kwi-version ye-ISO ye-General General Accountability Form (CGL) okanye kwifom efana nayo. Le fomu ihlanganisa umonakalo owe ( obizwa nge-insured ) okanye nayiphi na enye inshorensi ebophezelekile ngokomthetho ukuhlawula ngenxa yokulimala komzimba okanye umonakalo wepropati . Ukuba ibango liyakutyalwa, ukulimala komzimba okanye umonakalo wepropathi kufuneka:
- kubangelwa yinto eyenzekayo kwintsimi yokufikelela
- kwenzeka ngexesha lomgaqo-nkqubo; kwaye
- ingaziwa kwi-insured ngaphambi kokuba umgaqo-nkqubo uqale
Qaphela ukuba ibango ligqitywe yi-CGL kuphela xa ukulimala okanye umonakalo kwenzeka ngexesha lomgaqo-nkqubo.
Umgaqo-nkqubo awucacise ukuba kwenzeka ntoni (ingozi). Ngaloo ndlela, kwenzeka ukuba kwenzeke ngaphambi okanye ngexesha lemigaqo-nkqubo, ngokukhawuleza ukuba ukulimala okanye ukulimala kubangelwa ngexesha lepolisi.
I-CGL isetyenziswe ngokuphathelele ixesha lokubango. Amabango angenziwa ngexesha lomgaqo-nkqubo okanye nayiphi na ixesha emva koko.
Inzuzo ephambili yomgaqo-nkqubo ovela kuyo ihlanganisa amabango afakwe iminyaka emininzi emva kokuba umgaqo-nkqubo usuphelile.
I-CGL eyenziwe ngamabango
I-ISO inikeza inguqulo eyenziwe ngamabango e-ISO CGL echazwe ngasentla. Kwimiba emininzi, i-CGL eyenziwa ngamabango ifana nomlingani wayo ovela kuyo. Izibhengezo , umda, iinkcazo , kunye " namagumbi aqinisekisiwe " kwiifom ezimbini zifana kakhulu.
Ekubonweni kokuqala, izivumelwano zokuqinisekisa kwiifom ezimbini zibonakala zifana. Njenge-CGL eyenzekayo, ifomu eyenziwe ngamabango ihlanganisa umonakalo okhuselwe ngumshwalense ukuba ahlawule ngenxa yokulimala komzimba okanye umonakalo wepropati. Ukugqitywa, ngaphezu koko, ukulimala komzimba okanye umonakalo wepropathi kufuneka kubangelwe yinto eyenzekayo kwintsimi yommandla. Nangona kunjalo, ifomu eyenziwa ngamabango iqulethe imibandela emibini engabonakaliyo kwifom yesimo:
- Ibango lokulimala kufuneka lenziwe kuqala malunga naso nasiphi na isiqinisekiso nakwixesha lepolisi okanye nayiphi na ixesha elongezelelweyo lokubika.
- Ukulimala komzimba okanye umonakalo wepropathi kufuneka kwenzeke ngomhla okanye emva koMhla wokuPhumla, ukuba omnye uboniswa kwiiNkulumkiso, kodwa kungekhona emva kwexesha lomgaqo-nkqubo.
Iimpawu zeMigaqo-nkqubo eyenziwa ngamabango
Iziqendu ezikhankanywe ngasentla zibonakalisa iimpawu ezibalulekileyo zomgaqo-nkqubo owenziwe ngamabango.
Okokuqala, umda womgaqo-nkqubo usetyenziso lwemali yokuqala eyenziwe ngexesha lepolisi. Ibango "lenziwe" ngomhla owe (okanye wakho umshwalense ) ufumana kuqala okanye uyibhale. Ibango elenziwe ngaphambi komhla wokuqalisa umgaqo okanye emva komhla wokuphelelwa yisikhathi awufihla.
Okwesibini, umgaqo-nkqubo owenziwe ngamabango ungaba nomhla wokubuyela emva . Xa kuhlaziywe usuku lokubuyisela, akukho banikezelo olunikezelwa ngamabango ngenxa yeziganeko ezenzeka ngaphambi kwaloo mhla. Umhla wokubuyisela umhla wokuqala umhla wokuqala ukulimala okanye umonakalo kwaye ungagcinwa phantsi komgaqo-nkqubo. Ngokomzekelo, ukuba unesiqinisekiso ngaphantsi komgaqo-nkqubo owenziwe ngamabango onomhla wokubuyela emva kukaJanuwari 1, 2016. Umgaqo wakho wangoku usebenza ukususela ngoJanuwari 1, 2017 ukuya kuJanuwari 1, 2018. Ngomhla ka-3 Matshi, 2017, ufumana ibango ukulimala okwagcinwa ngoDisemba 15, 2015.
Kungenxa yokuba ukulimala kwenzeka ngaphambi komhla wokuhlaziya, ibango alinakukhutshwa.
Umhla wokubuyisela umva ngokuqhelekileyo ngumhla wokuqalisa komgaqo-nkqubo wokuqala owenziwe ngamabango. Lo mhla kufuneka uhlale ufana njalo ngexesha lakho lokubhengezwa kweebango lihlaziywa. Akufanele kuqhutywe phambili (kushukunyiswe phezulu) njengoko oku kuya kunciphisa ukukhutshwa kwakho. Xa uthengisa ukukhutshwa kwamabango, zama ukuphepha ukuthenga umgaqo-nkqubo oquka usuku lokubuya. Abaninzi batshorensi banikela ngemigaqo-nkqubo engenayo eli lungiselelo.
Iimfuneko zokuBika ingxelo
Yonke imigaqo-nkqubo eyenziwa ngamabango ichaza ukuba amabango makwenziwe ngexesha lepolisi. Imigaqo-nkqubo emininzi (kubandakanywa ne-CGL eyenziwa nge-ISO) ayichazi ixesha lokubika amabango. Kunoko, bathetha nje ukuba amabango kufuneka anikwe ingxelo ngokukhawuleza ngokukhawuleza (okanye ngokukhawuleza kunokwenzeka). Le migaqo-nkqubo iyaziwa njengemigaqo - nkqubo eyenziwa yinyaniso.
Eminye imigaqo-nkqubo iyanqanda ngakumbi, idinga ukuba amabango ayenziwe kwaye axelelwe kumgcini-mali ngethuba lomgaqo-nkqubo. Le migaqo-nkqubo ibizwa ngokuba yimigaqo-nkqubo eyenziwa ngamabango . Umgaqo-nkqubo ochanekileyo owenziwe ngamabango ulungeleka osebenzayo kwisiseko esenziwe ngokubango-mali, njengoko okokuqala kunika ingxelo enkulu.
Imigaqo-Benzi eyenziwe kuMgaqo-nkqubo
Iiphene zenzeke xa usuqulela kumgaqo-nkqubo owenziwe ngamabango kumgaqo wokuvela. Umzekelo olandelayo ubonisa ukuba kutheni oku kuyinyani.
Cinga ukuba unesiqinisekiso ngaphantsi komgaqo-nkqubo owenziwe ngamabango. Umgaqo-nkqubo wakho uqala ngoJanuwari 1, 2017 kwaye uphela ngoJanuwari 1, 2018. Xa umgaqo-nkqubo wakho uphela, ukhetha ukuwuhlaziya phantsi komgaqo-nkqubo osukeleyo. Umgaqo-nkqubo wakho owenzekayo ususela ngoJanuwari 1, 2018 ukuya kuJanuwari 1, 2019.
NgoDisemba 15, ngo-2017, uEd, umthengi wakho, u tyelela iofisi yakho xa ehamba kwaye ewela kwisiqwenga sokutya. U-E uyalimaza umva. Ngomhla we-15 kuMatshi, ngo-2018, uyaziswa ukuba u-Ed uye wafaka isigwebo malunga nenkampani yakho. Uthi unyanzelekile ngenxa yokulimala kwakhe ngenxa yokuba awuzange ugcine kakuhle iphepathi. UJim ufuna i $ 50,000 kwiimbuyekezo ezihlawuliswayo . Ibango alikhawulelwanga phantsi komgaqo-nkqubo owenziwe ngamabango ngenxa yokuba yenziwa emva kokuba umgaqo-nkqubo uphele. Ibango alikhawulelwanga phantsi komgaqo-nkqubo wakho wokuvela okanye, kuba u-Ed akabi nakwenzeka ngexesha lelo mgaqo-nkqubo.
Ukongezwa kwexesha lokuBika
Umngcipheko wokubhengezwa ukhankanywe apha ngasentla unokuphetshwa ukuba uthenge ixesha lokunika ingxelo . Ixesha elibiweyo lokunika ingxelo okanye i-ERP lwandisa ixesha apho amabango angenziwa kunye / okanye ingxelo kwi-insurer. Ayinakwandisa umgaqo wakho. Ibango ligqitywe yi-ERP kuphela xa libangelwa kukulimala (okanye esinye isiganeko esikhankanywe) esenzeka ngaphambi kokuba umgaqo-nkqubo wakho uphelelwe.
Imigaqo-nkqubo eninzi eyenziwa ngamabango inika i-ERP ngokuzenzekelayo ukuba i-insurer yakho ikhansela okanye ayiyivuselela umgaqo-nkqubo wakho, iyifake indawo yomgaqo-nkqubo, okanye ukuqhubela phambili umhla wokubuya. I-ERP ngokuzenzekelayo isebenza ixesha elifutshane, njengeentsuku ezingama-60.
Izizathu zokuthenga iMibango eyenziweyo
Imigaqo-nkqubo eyenziwa ngamabango inemivuzo , ngoko ke amashishini abathengayo ngaphandle kokuzikhethela kunokukhetha. Ezinye iifayili, ezinjengeemfanelo zengqesho , ziyafumaneka kuphela phantsi kwemigaqo-nkqubo eyenziwa ngamabango. Ezinye iifayili, njengemfanelo yemfanelo yabasebenzi , inokufumaneka kuyo nayiphi na ifom yefom, kodwa i-version of occurrence ingabiza kakhulu. Ngenxa yokuba iifom ezenziwe ngamabango zinika inkxaso engaphantsi, zihlala zithengile kuneefom zenzeke.