Isizathu sokuPhucula
Ngokuqhelekileyo, ishishini libonelela nge-insured coverage ngenxa yokuba kunyanzelekile ukwenza njalo phantsi kwesivumelwano. Umzekelo, abakhi abasebenzayo baqesha i-Easy Electric ukuba ifake i-wiring kwisakhiwo esisebenzayo.
Umnikazi we-Easy Electric ubonisa isivumelwano sezakhiwo esenza ukuba lula ukuqinisekisa abaQenzi abasebenzayo njenge-insured eyongezelelweyo phantsi komgaqo-nkqubo we-Easy's general responsibility .
Ngokufanayo, i-Classic Consulting iqeshisa imoto esuka kuLarry's Leasing, inkampani yokuqashisa ngemoto. Uqeshiso lubonisa ukuba i-Classic Consulting kufuneka ifake iLarry's Leasing njengenqwelo-mali eyongezelelweyo phantsi komgaqo-nkqubo we-auto .
Ukufaneleka
Ukufumana ukukhutshwa njenge-insured eyongezelelweyo phantsi komgaqo-nkqubo we-inshorensi yomnye umntu, umntu okanye iqumrhu kufuneka lihlangabezane neemfuno ezithile. Iimfuno ziyahlukahluka ngohlobo lwentengiso.
UmGaqo woLuntu
Ukongezwa nje nge- insured eyongezelelweyo phantsi komgaqo-mfanelo, umntu okanye iqumrhu kufuneka lihlangabezane neemfuno ezimbini. Okokuqala, kufuneka abe nobudlelwane bezoshishino kunye nomnini-mgaqo-nkqubo ( ogqityiweyo onikwe i-insured ). Ubudlelwane obuninzi bezoshishino budala isidingo sokongeza i-insured coverage. Nazi ezinye zazo:
- Umqeshi kunye nomqashi
- I-kontraki jikelele kunye nekhontraki
- Umnini wepropati kunye nekhontrakthi jikelele
- Umnini-permit permit holder
- Umthengisi kunye nomenzi womveliso
Okwesibini, umntu okanye iqumrhu elifuna ukukhawulelwa kufuneka lijongene nomngcipheko wecala ukuba umphathi-nkqubo wenza ngokunganyaniseki ngexesha loshishino lwazo.
Ngokomzekelo, cinga ukuba uqeshisa indawo yeofisi kwindlu yomnini-shishini. Umthengi wakho unokuhamba kwaye angene kwi-ofisi yakho. Ukuba umthengi uyalimala, unokumangalela wena kunye nomnini-mnini wakho ngokulimala komzimba . I-suit yakhe inokuthi ufanelekile ngenxa yokulimala kwakhe ngenxa yokuba wayesazi ukuba umyinge ukhululekile kodwa wahluleka ukumxwayisa ngengozi. Ingangenzela ukuba umninikhaya unyanzelekile ngenxa yokuba ayikwazanga ukugcina isakhiwo ngokufanelekileyo.
Abanikazi bempahla bayazi ukuba bajongwa njengengxowa "ejulile" ngabangabangozicelo abanokulimala kwiindawo ezithathwe ngabaqeshi. Ngaloo ndlela, ukuqeshisa kwakho kuya kufuna ukuba uquke umninikhaya wakho njengenqwelo-mali eyongezelelweyo phantsi komgaqo-nkqubo wakho wemfanelo.
Umthombo woKhuseleko
Iimfuno zokubhengezwa kwee-insured ezongezelelweyo phantsi kwe- inshorensi yemfanelo yemoto zifana nezo zinto ezisebenza kumthwalo jikelele. Umntu okanye iqumrhu elifuna ukukhutshwa kufuneka libe noxanduva lwezoshishino kunye negama eliqinisekisiwe (umgcini-nkqubo). Kwakhona kufuneka ajongane nomngcipheko wezobango-mithathu zecala ngenxa yokunganakwa okwenziwa ngumntu ogunyazisiweyo.
Ngokomzekelo, uPaul unempahla yeNdunankulu, inkampani enayo kunye neyeshishini yezorhwebo.
Inkampani kaPawulos iqeshe i-Luxury Landscaping ukutshala i-shrubbery entsha kwenye yeepropati. UPawulos uyazi ukuba abanini bezakhiwo abaqhelekanga ngenxa yezenzo zokungathembeki ezenziwe ngabakontraki abazimeleyo. Nangona kunjalo, uyazi ukuba lo mgaqo unalo.
Iimpembelelo zeNdunankulu zingabanjwa ngokunyanisekileyo ngenxa yokulimala okuxhaswa ngumntu wesithathu kwingozi yemoto eyenziwa ngumqeshwa we-Luxury Landscaping. INkulumbuso ingaba noxanduva xa, yithi, ingozi yenzekile ngelixa umqeshwa onomhlaba eqhuba i-errand egameni likaPawulos. Ukukhusela inkampani yakhe, uPawulos uqinisekisa ukuba i-Luxury Landscaping ithenge ukuthengiswa kwembopheleleko yemoto phantsi komgaqo-nkqubo wokuthengisa umgangatho ophantsi.
Ukuba iimpahla zeNdunankulu zilandelwa ngumntu wesithathu ngenxa yengozi eqhutywe ngengozi yengozi eyenziwa ngumqeshwa we-Luxury Landscaping, iNkulumbuso kufuneka ikhutshwe ngokuzenzekelayo kwi-suit phantsi komgaqo-nkqubo wezopolitiko womhlaba.
Akukho mvume efunekayo. Oku kungenxa yokuba umgaqo-nkqubo uqulethe umhlathi omnibus phantsi kwecandelo elinesihloko esithi Who Is An Insured. Isigatshana sibhekiselele nabani na onokuthi abe nexhoba lokuziphatha kwegama eliqinisekisiwe.
Ininshurensi yePropati
Ukuze ufaneleke njengesiqinisekiso ngaphantsi komgaqo-nkqubo wepropati yomnye umntu, umntu okanye iqumrhu kufuneka linomdla ongenakunqwenela kwipropati ehlanganiswe ngumgaqo-nkqubo. Ngokomzekelo, cinga ukuba uqhuba ishishini kwisakhiwo oqeshisayo ukusuka kwiiNkulumbuso iimpahla. Ukuqeshisa kufuna ukuba (umqeshi) uqinisekise isohlwayo phantsi komgaqo-nkqubo wepropati . Ngenxa yokuba iNkulumbuso inesakhiwo, sinomdla ongenakukhuseleka kuyo. Ngaloo ndlela, ukuqeshisa kwakho kufuna ukuba ubhale uluhlu lweeNkulumbuso njengeziqinisekiso ezongezelelweyo phantsi komgaqo-nkqubo wakho.
Ubume boMgangatho
I-coverage enikezelwa kwii-insureds ezongezelelekileyo idla ngokukhawuleza ngendlela ethile. Imida esetyenziswayo ingachazwa ngokuvuma okanye kumgaqo ngokwawo.
I-insured eyongezelelweyo ivame ukufakwa phantsi komgaqo-nkqubo wokunyanzela kuphela ngenxa yeebango ezivela kwimisebenzi ethile okanye imisebenzi eyenziwe egameni layo ngumnini-nkqubo. Ngokomzekelo, ikhontraktha jikelele ukhuselekile phantsi komgaqo-nkqubo we-subcontractor kuphela kwiimangalo ezivela emsebenzini owenziwe ngu-subcontractor egameni likontrakta jikelele. Ngokufanayo, umnini-propati ngokubanzi uhlanganiswe phantsi komgaqo-mboleko weqeshiso kuphela kumabango avela kumqeshi ukusetyenziswa kwesakhiwo esiqashisayo.
Ngaphantsi komgaqo-nkqubo wepropati, i-insured eyongezelelweyo ihlanganiswe kuphela nesithakazelo sayo esiqinisekileyo kwisiqephu esithile sepropati. Iimpawu zeNkulumbuso (kwimimiselo yangaphambili) ihlanganiswe phantsi komgaqo-nkqubo wakho wepropati ngenjongo yobunini bayo kwisakhiwo. Akusikho i-insured ngokumalunga nanoma yiphina ipropati ebhekiswe ngumgaqo-nkqubo, njengokuqulathwe kuwe.
Inqaku elihlelwe nguMarianne Bonner