Umzekelo
Amashishini akhula kwaye atshintsha ixesha. Xa ishishini landa, lifuna ipropati entsha. Nasi umzekelo:
UDenise uqobo lweeNqabileyo zikaThixo, ishishini lokubhaka. Iziqhamo zikaThixo zisebenza kwisakhiwo esincinci iDenise sithenge iminyaka emithandathu edlulileyo. UDenise ufuna ukwandisa ishishini lakhe, kodwa indawo yakhe yangoku ncinane kakhulu. Iziqhamo zikaThixo zidinga indawo eyongezelelweyo, ngoko uDenise uthenge isakhiwo esilandelayo. Uceba ukusebenzisa indawo yakhe yangoku ngenjongo yokuvelisa. UDenise uceba ukwahlula isakhiwo esitsha zibe ngamacandelo amabini. Omnye uya kubeka i-cafe encinane kwaye enye iya kuba nevenkile yokuthengisa.
Isakhiwo esikhoyo sesibhakabhaka siphepha ngaphantsi komgaqo-nkqubo wepropati. UDenise uyazi ukuba umgaqo-nkqubo ubandakanya isakhiwo sangoku kunye neziqulatho zayo. Ingaba umgaqo-nkqubo uzakufihla ngokuzenzekelayo isakhiwo afumanayo ngexesha lepolisi?
Ipropati entsha okanye eyakhiweyo
Uninzi lwemigaqo-nkqubo yepropati ifaka i-coverage ebizwa ngokuba yipropati entsha okanye eyakhiweyo.
Esi sikhokelo sivame ukunikezelwa njengokwandiswa kweZakhiwo zakho ezikhoyo kunye ne / okanye iBusiness Personal Property coverage. Oko kukuthi, ukuba umgaqo-nkqubo usuvele udibanise isakhiwo, unako ukwandisa isibonelelo sakho soKwakha ukufihla isakhiwo osifumanayo ngexesha lomgaqo-nkqubo. Ngokufanayo, ukuba umgaqo-nkqubo wakho ubandakanya i-Business Personal Properties, unako ukwandisa ukuba uncedo lokubandakanya ipropati yakho oyifumanayo ngexesha lepolisi.
Imigaqo yePropati ayichazi igama lokufumana . Ngokuqinisekileyo, ipropathi oyifumanayo ifaka ipropathi oyithengayo, irente, uzuze okanye ufumane ngezinye iindlela (njengesipho).
Ukukhutshwa okubonelelwe kwipropati esanda kuzuza kukukhusela okwethutyana. Le ngxelo iphela emva kokuba uqhagamshelane ne-inshurensi yakho ukuba ube nepropati entsha yongezwe kumgaqo-nkqubo wakho.
Izakhiwo ezitsha
Iinkqubo ezininzi zepropati zorhwebo ziquka ngokuzenzekelayo ezi ntlobo zakhiwo:
- Isakhiwo esitsha ekwakhiweni Isakhiwo esitsha esakhiwa siqheleke kuphela xa sifumaneka kwindawo esichazwe kwiimpapasho. Ngokomzekelo, cinga ukuba iDenise ayithengi isakhiwo esilandelayo. Kunoko, wakhela isakhiwo esitsha kwixabiso elifanayo nesakhiwo sakhe esele sikhona. Ekubeni isakhiwo esitsha sifumaneke kwindawo efanayo kunye nomdala, kufuneka ihlanganiswe ngokuzenzekelayo.
- Isakhiwo osifumana kwindawo eyahlukileyo Isakhiwo osifumanayo kwindawo ngaphandle kokuchazwe kwimibiko singabhekiswa, kuxhomekeke kwindlela esetyenziswa ngayo. Ngaphantsi kwemigaqo-nkqubo yepropati, isakhiwo kufuneka sisetyenziswe njengendawo yokugcina okanye injongo efanayo neyakhe isakhiwo esele sikhona. Ngaphandle koko, isakhiwo asiyi kufaneleka ukufumana ingxelo njengempahla entsha okanye eyakhiwe ipropati.
Iipropati zoLuntu eziPhezulu ezitsha
Ngaphantsi komgaqo-nkqubo wepropati, unokwandisa i-coverage yakho ekhoyo ekhoyo kwi-Business Personal Properties ukukhupha ipropati:
- Kwindawo esanda kufunyanwa Ngomzekelo, uthenge isakhiwo esitsha sineebhloko ezimbini ukusuka kwisakhiwo sakho esele sikhona. Umgaqo-nkqubo uzakufaka ngokuzenzekelayo isakhiwo somntu esisakhiwo esitsha. Oku kubandakanya ipropati yakho oyifumanayo emva komhla wokuqalisa komgaqo-nkqubo.
- Ndiyakhe isakhiwo esitsha kwindawo yakho ekhoyo Ukuba unquma ukwengeza isakhiwo esitsha kwindawo yakho ekhoyo, umgaqo-nkqubo uza kubhaqa ipropati yakho yoshishino ekhoyo kwisakhiwo esitsha. Oku kubandakanya ipropati yakho oyifumene ukususela kumhla wokuqalisa komgaqo-nkqubo.
- Endaweni yakho ekhoyo Umgaqo-nkqubo uhlawula isakhiwo esitsha somsebenzi waso kwindawo echazwe kuyo. Umzekelo, uthengela ifenitshala entsha yeofisi yesakhiwo sakho esele sikhona.
Ixesha kunye noLungiso lwexabiso
Ngaphantsi kwemigaqo-nkqubo yepropati ethile, isandiso esitsha esineNdawo eFuthiweyo okanye esakhiweyo sinikwa kuphela xa uzalise i- inshurensi ethile ukuxabisa iimfuno. Ezi mfuneko zingabandakanya ipesenti ye- coinsurance ye-80% okanye i-inshorensi ebhaliweyo kwixabiso lokunika ingxelo.
Ngaphantsi kwemigaqo-nkqubo yepropati, iNgcaciso entsha okanye eyakhiweyo yePropati yePropati iyaxhomekeka kwixesha lokunciphisa ixesha. Ngokuqhelekileyo, loo propati ifakwe kuphela xa ubika ingxelo yokufumana i- insurer yakho kwinani elichaziweyo leentsuku. Kufuneka uhlawule nayiphi na i-premium eyongezelelweyo iindleko zomshuwalense ukuze uqinisekise ipropati entsha. Ngaphandle koko, ipropati ayiyi kuhlanganiswa.
Ixesha lokubhengezwa kwepropati elitsha lithengiswa ukusuka kumgaqo-nkqubo ukuya kwenye. Eli xesha lingaba lincinane kangangeentsuku ezingama-30 okanye ezili-180 iintsuku. Ubuninzi buphela emva kokuba inani elichaziweyo leentsuku lidlulile ekubeni ufumene ipropati okanye uqale ukuyakha.
Imida efunekayo
Ingxelo yokubonelela ngepropati esanda kuzuza ayikho i- inshorensi eyongezelelweyo. Kunoko, kunyuselwa kweZakhiwo zakho kunye / okanye iBusiness Personal Property coverage. Esi sandiso ngokuqhelekileyo sithobela imida ekhethekileyo. Ezi zihlala zivela kwi-$ 250,000 ukuya kwii-1 yezigidi zezakhiwo ezakhiwa ngokutsha kunye ne-$ 100,000 ukuya kuma-500,000 kwi-propati.
Cinga ukuba umgaqo-nkqubo wakho unikezela umyinge wama-250,000 umda wezakhiwo ezisandul 'ukufumana. Nangona umgaqo-nkqubo uquka umda we-1 million weZakhiwo, naluphi na isakhiwo esakhiweyo okanye esakhiweyo siya kuthotyelwa kwisiqingatha se-250,000 samawaka uze uxelele isakhiwo esitsha kunye nexabiso layo kwi-insurer yakho. Emva kokuba uxelele umshwalense wakho, uya kwandisa isakhiwo kwipolisi yakho. Esi sakhiwo siya kuhlanganiswa kumda kumgaqo-nkqubo wakho.
Xa ubika ipropati esanda kuzuza kwi-insurer yakho, khumbula ukwandisa izakhiwo zakho okanye umda wePropati wePropati, naluphi na osebenzayo. Ngokomzekelo, ukuba ifenitsha yakho entsha ifanele i-$ 500,000, unokufuna ukwandisa iPropati yakho yomntu (okanye umda wengubo ye-blanket ) ngo-$ 500,000.
Izakhiwo Ngaphantsi
Njengoko kuphawuliwe ngasentla, ukongezwa okunikezelwa kwiPropati eTshaywayo okanye eyakhiwe ngokutsha kusebenza kwisakhiwo ekwakhiwa kwendawo echazwe kuyo. Le ngxelo ijoliswe njenge-stopgap kuphela kwaye ayifanele isetyenziswe ukugubungela iphrojekthi yokwakha.
Masithi ukuba uDenise unquma ukwakha isakhiwo esitsha kwiqela lakhe elikhoyo kunokuba athenge isakhiwo esilandelayo. Ngaphambi kokuba kuqalwa ukwakhiwa, uDenise (okanye ikontrakta jikelele aqeshiweyo) kufuneka athenge i- coverage kubakhi bengozi . Le nkcazo yenzelwe ukukhusela iiprojekthi zokwakha. Umgaqo-mngcipheko wokwakha ubonakalisa umonakalo kwipropati ekwakhiwa ingaba ungumnikazi weprojekthi, umcwangcisi jikelele okanye nayiphi na inkontileka echaphazelekayo kule projekthi.