Iingxowa-mali zoLimo
Uninzi lwemigaqo-nkqubo yepropati , kubandakanywa nomgaqo-nkqubo we- ISO , unikezela ngokukhawuleza ngokukhawuleza kwipropati yomntu onomnye umntu. Ipropati yedwa yenziwe. Akukho mali yokusetyenziswa kwipropati yangempela (izakhiwo) ezinikwe ngumntu ngaphandle kwegama elibizwa ngokuba yi-insured .
Eli nqaku liza kucacisa ukuba ipropati engenazo ilawulwa phantsi komgaqo-nkqubo we-ISO. Ininzi yemigaqo-nkqubo yipropati ebhalwe yi- insurers inikezela ngokukhawuleza okulinganayo, okanye ebanzi kunefomu ye-ISO.
Ifom ye-ISO iquka iindidi ezimbini zepropati eyomnye umntu:
- Ukuqeshiswa kweePropati zomntu: Le yipropati oye yaqeshisa kwaye kufuneka uqiniseke phantsi kwemiqathango yoqeshiso.
- Ipropathi yabanye: Lo ngumhlaba ongeyena oqeshwe ngumntu othile. Eli candelo libandakanya kunye nepropati eqeshweyo ekungekho mfuneko yokuqinisekisa.
Ukuqeshiswa kwePropati yomntu
Njengamashishini amaninzi, inkampani yakho inokuqeshisa ipropati ukuyisebenzisa kwimisebenzi yakho yemihla ngemihla.
Imizekelo yinkampani yokukopisha, ifenitshala yeofisi kunye nezixhobo zokwakha. Kwezinye iimeko, umnini-propati unokufuna ukuba uqinisekise isohlwayo malunga nokulahlekelwa ngumzimba okanye umonakalo.
Ngokomzekelo, ukuba kuthengisa iikhompyutyana ezimbini zekhompyutha yakho. Unoxanduva phantsi kokuqeshiswa kwanoma yiphina ilahleko okanye umonakalo oomatshini abazinzileyo ngexesha lokuqeshisa.
Iqeshiso ifuna ukuba uqinisekise ukuba ngabapopi phantsi komgaqo-propati wokungena kwengozi yexabiso lawo lokubuyisela.
Ukuqeshiswa kwepropati yomntu onyanzelekileyo ukuba uqiniseke ukuba uqinisekiswe ngokuzenzekelayo njengePropati yakho yePropati yoMntu. Le propati ifakwe phantsi komda osebenzayo kwi-BPP yakho. Ukuba umgaqo-nkqubo wakho wepropati uthetha, tshilela umyinge we-$ 100,000 umda we-BPP, loo mda uya kusebenza koku koku koku:
- ipropati yakho yeshishini lakho
- ukuqeshisa ipropati yomntu onyanzelekile ukuba uqiniseke phantsi kwemiqathango yoqeshiso
Ukuba ipropati eqeshweyo ilahlekile okanye yonakaliswe, ilahleko iya kubalwa ngendlela efanayo nokulahlekelwa kwipropati yakho. Okokuthi, ilahleko ezibandakanya ipropati yomntu oqeshweyo izakuxabiswa ngokusekelwe kwiindleko zokutshintsha okanye ixabiso langempela lemali, nayiphi na indlela yokulinganisa isebenza kwi-BPP yakho.
Ukuba uqeshe impahla kwi shishini lakho, qiniseka ukuba ufunde ngokuqinileyo ukuqeshisa. Ikhonterikethi inokubamba inoxanduva lomonakalo olungagqitywanga ngumgaqo-nkqubo wakho wepropati. Ngokomzekelo, ukuqeshisa kungathi unomthwalo wokulahlekelwa okanye ukulimala "nayiphi na into ebangela ukuba".
Iipropati zabanye
Umgaqo-nkqubo we-ISO uquka isigaba sesibini sepropati engekhoyo eyayibizwa ngokuba yiPropathi yabanye.
Eli candelo liquka kokubili oku kulandelayo:
- ipropati eyomnye umntu kodwa ingekho phantsi kweqeshiso. Umzekelo ngumshini wekopi obolekelwe kwishishini elisemnyango.
- isakhiwo oqeshisayo kodwa akudingeki ukuba uqinisekise. Umzekelo ifenitshala yeofisi uqeshe kodwa akudingeki ukuba uqiniseke phantsi kwemiqathango yoqeshiso.
Ngokungafani nepropati yomntu, ipropati yabanye ayifakwanga ngokubambisana nepropati yakho. Kunoko, iiPropati zabanye zididi oluhlukeneyo lwePropati eViweyo. Ikhutshwe kuphela xa umda ohlukeneyo we-inshorensi ubhalwe kwipolisi yakho yePropati yabanye. Ukuba akukho mkhawulo ubonakala, umgaqo-nkqubo wakho unokubonelela ngeyona nkcazo yePropati yabanye. Umgaqo-nkqubo we-ISO oqhelekileyo uquka umda ophantsi kakhulu (i-$ 2,500) yomhlaba onjalo.
Lo mda awukho yomshuwalense eyongezelelweyo, kodwa uhlanganiswe nomda oboniswe kwipolisi yakho yePropati yakho yePropati.
Ngokungafani nomhlaba oqeshwe, iPropati yabanye ixabiswa ngokusekelwe kwixabiso langempela lemali. Nangona uthenge intengo yokubuyisela indleko kwi-BPP yakho, ixabiso lePropati yabanye liya kubalwa ngokwexabiso langempela lemali (kungekhona ixabiso layo lokubuyisela). Unokuthenga ukuthengwa kweendleko zokubuyisela iiPropati zabanye kwi-premium eyongezelelweyo.
Ufuna umda ohlukileyo
Ukuba usebenzisa ipropati edibana nenkcazo yePropati yabanye, umgaqo-nkqubo uza kufaka umda ohlukeneyo wale propati. Oku kubaluleke ngakumbi ukuba ipropati oyisebenzisayo ingaba yindleko yokulungisa okanye yokubuyisela. Cinga ngomzekelo olandelayo.
UMarko ungumnikazi weMarathon Machining, inkampani ekulungisa nokubuyisela izixhobo zokusebenza zetsimbi. Umqeshi weMarathon ulungisa isalathisi esinoLarry's Lathing xa edala umlilo. Umatshini utshatyalaliswe. Ngokukhawuleza uMarko ufunda ukuba i-lathe yindlela ephezulu ye-line eya kubiza i-$ 75,000 ukuze ithathe indawo. Ivenkile yomatshini kaMarko iqinisekisiwe phantsi komgaqo-nkqubo wepropati. Izimemezelo zomgaqo-nkqubo zibonisa umda weeRhafu zabanye abantu. Nangona uMarko uthenge ukuthengwa kweendleko zeeMpahla zabanye, umgaqo-nkqubo uya kuhlawula kuphela okwesithathu (i-$ 25,000) yokulahleka kwe-$ 75,000.
Izibonelelo ezingekho kwiindawo
Iipolisi zepropati zorhwebo zenzelwe ukuhlawulela indawo kwiindawo ezijoliswe kuyo. Uninzi lubonelela kuphela inani elincinci lokubhengezwa kwipropati engaphandle kwendawo yakho. Umgaqo-nkqubo we-ISO ubandakanya ipropati esesakhiwo kwisakhiwo (okanye ngaphakathi kweenyawo ezili-100) kwindawo echazwe kwiimpapasho. Inika i-$ 10,000 kuphela kwi-Off-Premises Property. Umda usebenza kwipropati yakho okanye omnye umntu (nokuba uyaqeshisa okanye awukho) ngexesha:
- okwethutyana kwindawo ongeyena, uqeshe okanye usebenze
- kwindawo yokugcina indawo eqeshwe nguwe
- kwindawo efanelekileyo, urhwebo okanye umboniso
Ukuba usebenzisa ezinye izakhiwo zabantu ngaphandle kwendawo yakho, unokufuna ukuthenga i-inshurensi eyongezelelweyo. Umshuwalense wakho unokufuna ukwandisa umda kwipolisi yakho ye-Off Off-Premises.
Inshshurensi yeMpahla eHiweyo
Amanye amashishini aqeshisa okanye aboleke impahla ukuze asebenzise ngaphandle kwendawo yawo. Nazi ezinye izibonelo:
- Ikontrakta yokwakha inika i-bulldozer ukusebenzisa kwiprojekthi yokwakha.
- Iikhompyutheni eziqhotyoshelweyo zokurhoxisa iikhomputha zeekhomputha zokusetyenziswa kwiprogram yoqeqesho lwangaphandle.
- Iqumrhu lokwakha izakhiwo zentlalontle kubaxhasi kwindawo yokuqeshisa ngaphandle kwendawo yayo. Iqumrhu lihlobisa isikhala ngemifanekiso ebolekwa kubaculi.
Isebe elihlukile le-inshurensi yepropati, ebizwa ngokuba yi-inshore marine inshurensi, yenzelwe ukukhupha impahla ehambayo. Kukho ezininzi iintlobo ze-inshorensi yolwandle yasemanzini, kwaye nganye ihloselwe ukumboza uhlobo oluthile lwepropati. Iinkqubo ezininzi zamanzi zasemaphandleni zihamba ngokukhawuleza ipropati yomntu ngaphandle kwe-insured.
Kule mizekelo ingentla, ikhontrakta inokuqinisekisa i-bulldozer eqeshwayo phantsi komgaqo-nkqubo weekhontrakthi . I-firm firm ingagcina iikhompyutheni eziqashiweyo phantsi komgaqo-nkqubo wokusetyenziswa kwedatha . Ukuqinisekisa ubugcisa obuboleweyo, iqumrhu lokwakha liyakwazi ukuthenga ubugcisa bobugcisa obuhle .
Ukuba ishishini lakho lisetyenziselwe ukuqeshisa, ukuqeshisa okanye ukuboleka ipropati ngaphandle kwendawo yakho, unokufuna i-inshurensi yaselwandle. Buza ummeli wakho we- inshurensi okanye umthengisi naluphi uhlobo lwe-inshurensi oluza kulungelelana neemfuno zakho.
Ingafihliwe yiMigaqo yoLuntu
Izigwegwe ezivela kumonakalo kwipropati yabanye abantu ozisebenzisayo kwi-shishini lakho akunakwenzeka ukuba zikhutshwe ngumgaqo-mboleko wakho. Kwimodeli yokuCwangcisa iMarathon echazwe ngasentla, cinga ukuba umshwalense weMarathon uhlawula iRarry's Lathing $ 25,000 (umda wePropati yabanye) ngomonakalo we-lathe. ULarry's Lathing sues iMarathon Ukuchonga i-$ 50,000 eseleyo ukuba ithathe indawo yendawo.
I-Marathon Ukupakisha kuyabhawulwa yimbopheleleko phantsi komgaqo-nkqubo we-ISO jikelele . Ukuba iMarathon ihambisa ibango kwi-insurer yayo, umgcini-mali uya kukhanyela ukukhawuleza. Iimigaqo-nkqubo zokuzibophelela zingabandakanyi umonakalo wepropati kwipropati yakho kwi-insured care, custody okanye control. Ingqungquthela yayiseMarathon xa kuvela umlilo. Ngaloo ndlela, umonakalo owenziwe kwi-lathe wawuya kuba phantsi kokungabikho .