Ubungakanani Emva koShishino oluyeka ukusebenza
Ngubani Oyifunayo?
Kufuneka ucinge ngokuthenga iimveliso eziyekiweyo kunye nomsebenzi womshuwalense ogqityiweyo ukuba inkampani yakho iphuma kwishishini, kwaye yenza umkhiqizo okanye wenze umsebenzi kwabanye. Imveliso yakho yenkampani ivelisa ingahlala kwindawo yemarike emva kokuba iqumrhu lakho liyekile ukusebenza. Ngokufanayo, umsebenzi owugqibileyo unakho iminyaka emininzi emva kokuwugqiba. Iimpazamo kwimveliso yakho okanye umsebenzi ogqityiweyo ungalimaza umntu emva kokuba inkampani yakho iphume shishini. Ukuba iqela elenzakele lifakela isigwebo malunga nawe, i-suit ayiyi kugqitywa yimigaqo-nkqubo yemfanelo yenkampani yangaphambili.
Iimpawu zeNkqubo zokuPhepha aziyi kuGubungela ukuLawiswa kwexesha elizayo
Kutheni kungekhona iipolisi zakho zangaphambili ezikhusela ukulimala okwenzeka emva kokuba ishishini lakho liyeke? Inkcitho yomshuwalense jikelele ngokuqhelekileyo ibhaliwe kwimigqaliselo yenzeke. Ihlanganisa amabango okanye ifanelekile ngokubhekiselele kwingozi yomzimba okanye umonakalo wepropati owenzeka ngexesha lomgaqo-nkqubo.
Ayifuni ibango elibhekiselele kwingozi okanye umonakalo owenzeka emva kokuba umgaqo-nkqubo usuphelile. Cinga ngomzekelo olandelayo:
UFrank unesitampu seFancy, inkampani eyenza iifenitshala zasekhaya. UFrank unquma ukuhlala phantsi, kwaye inkampani yakhe iphelile ukusebenza ngomhla wama-31 kuDisemba, 2018. Umgaqo-nkqubo we-Fancy Furniture jikelele uphelelwa ngumhla ngaloo mhla.
Ngomhla ka-Juni 1, 2019, uFrank uyaziswa ngetyala. USteve, ummangali, uthenge ietafile kwisitolo sokuthengisa ngoJanuwari ka-2019. Itafile yenziwe ngeFancy Furniture. Ngomhla ka-1 kuMatshi, ngo-2019, itheyibhile yawa, yalimaza uSteve. USteve ufuna i $ 50,000 kwiimbuyekezo ezihlawulwayo. Umgaqo-nkqubo we-Fancy's general responsibility will not cover the claim of Steve ngenxa yokulimala kwakhe emva kokuba umgaqo-nkqubo usuphelile.
Ukugqitywa koMsebenzi okanye iMisebenzi
Izigwegwe ziyakwazi ukuvela emsebenzini oqinileyo ogqityiweyo ngaphambi kokuba uphume kwi shishini. Umzekelo, uMike uneMasonry Miraculous, i-maonaryry contracting company. Ummangaliso uqeshiweyo ngu-A-1 Apartments ukuze akhe udonga. Ummangaliso ugqiba udonga ngo-Oktobha ka-2018. UMike uthabathe umhlalaphantsi kwaye utshabalalise ukuzinzisa kwakhe ngoMatshi ka-31, 2018. Umgaqo-nkqubo wokuxanduva owenzela ukuqina kukaMike kuphele ngaloo mhla.
Ngo-Matshi ka-2019, udonga luye lwaye lwalimaza uJane, indlu yokuhlala. UJane uphawula uMike, umninimzi woMangaliso, ngenxa yokulimala komzimba. UJane uthi udonga luye lwawa ngenxa yesimangaliso sokusebenza. UMike akanakho ukukhutshwa kwebango ngaphantsi komgaqo-nkqubo wexesha elikufutshane lomgaqo-nkqubo. Ukulimala kukaJane kwenzeka emva kokuba umgaqo-nkqubo usweleke.
Iimveliso eziChiweyo okanye uMsebenzi wokuPhucula
Ukuba ucinga ngokuvala i shishini lakho, kufuneka uxoxe ngeemveliso eziyekiweyo kunye nokusebenza kwenkampani kunye ne-inshurensi yakho okanye umthengisi ngaphambi kokuba inkampani yakho iphele imisebenzi.
Olu bhengezo lufana nemveliso yenkampani yomshuwalense ogqityiweyo ehlinzekwe phantsi komgaqo-nkqubo wokuzibophelela. Iquka amabango okulimala komzimba okanye umonakalo wepropati ovela kwimveliso yakho okanye umsebenzi ogqityiweyo ukuba ukulimala okanye umonakalo kwenzeka ngexesha lepolisi.
Iimveliso ezinqatshelwe okanye i-inshurensi yomsebenzi ayifaki indawo yoshishino yenkampani okanye imisebenzi eqhubekayo. Akujoliswe ukumboza inkampani esesoshishino.
Amaqela amaninzi ayenzile imithetho ebizwa ngokuba yimimiselo yokuphumula, ekhusela iikontraki zokwakha ezichasene nezigwebo. Le mithetho ngokuqhelekileyo ibhawula iinqwelo emva kwexesha elithile lidlulileyo, njengeminyaka elishumi emva kokuba isakhiwo sigqityiwe. Xa ikhontrakthi yokwakha iphuma kwishishini, umninimzi uya kufuna ukukhutshwa kwemisebenzi kuphela ngexesha leempahla ezivunyelwe ngumthetho kaRhulumente.
Ukuba uyinkontilaki yokwakha, cela ummeli wakho ukuba achaze indlela umthetho usebenza ngayo kwimeko yakho.
Ezinye izizathu zokuthenga umlinganiselo
Unokudinga iimveliso eziyekiweyo kunye nokugqitywa kwemisebenzi xa uthengisa ibhishini lakho, kwaye umthengi akayi kuthatha uxanduva kuyo nayiphi na inzakalo ebangelwa yimveliso edayiswa ngaphambi komhla wokuthengisa. Ngokomzekelo, uthengisa ishishini lakho ngo-Disemba 31, ngo-2018. Njengemeko yentengiso, kufuneka uthathe uxanduva lwaluphi na ukulimala okwenzeka emva kwaloo mhla ukuba kubangelwa yimveliso oyithengisayo ngaphambi kokuthengiswa.
Unokufuna kwakhona iimveliso eziyekiweyo kunye nokugqitywa kwemisebenzi ekugqityiweyo ukuba uphinde uhlaziye ishishini lakho kwintlobo enye yequmrhu elisemthethweni kwelinye. Ngokomzekelo, cinga ukuba utshintshile ukusuka kubambiswano (uJohn Smith noBill Smith) kwinkampani (Smith Inc.). Umgaqo okhankanya u-Smith Inc. njengokuba igama eliqinisekisiwe liza kubakho iibango ngokubambisana. Ubambiswano luya kufuna ukuthenga iimveliso eziyekekileyo kunye nemisebenzi yomshuwalense ogqityiweyo ukukhusela amaqabane avela kwiimangalo ezivela kwiingozi ezenzeka emva kokulungiswa kwakhona.
Iindleko ze-Inshorensi
Xa ishishini liyeka ukusebenza, umngcipheko wamabango amaconsi. Lo mngcipheko uyaqhubeka nokuhla ngonyaka. Ngenxa yesi sizathu, iindleko zeemveliso eziyekiweyo kunye nokusebenza kwekharityhulam kuwela ixesha. I-premium ngokuqhelekileyo ipesenti yemali ehlawulwe ishishini eliqhubekayo. Ipesenteji iyancipha ukusuka kwiphondo elilodwa ukuya kwelinye elilandelayo.
Ngokomzekelo, cinga ukuba iimveliso-ezizalisiweyo zeprojekthi yenkampani ye-premium yenkampani eqhubekayo njengakho i $ 30,000. Ngomnyaka wokuqala weemveliso eziyekiweyo kunye nokusebenza kwesikhokelo, i-insurer yakho ingahlawula, ithi ama-25 eepesenti ezingama-30,000 okanye i-$ 7,500. I-premium yonyaka olandelayo ingaba ngama-20 ekhulwini.
Akunjalo Ngokufanayo
Musa ukudibanisa iimveliso eziyekiweyo kunye nokusebenza kwenkcazo ngexesha elide lokunika ingxelo (ERP). Ngokuqhelekileyo kuthiwa "umsila", i-ERP ibonelelo elitholakala kwimigaqo-nkqubo eninzi eyenziwa ngamabango. Inikeza ixesha elongezelelweyo lokubika amabango. Iimveliso eziyekekileyo kunye nokusebenza ngokukhawuleza kusetyenziswa ngokuqhelekileyo kwisithuba, ngoko ke ukusila komsila akufanelekanga.
Inqaku elihlelwe nguMarianne Bonner