Iifom ze-ISO
Xa kukhutshwa imigaqo-nkqubo yemfanelo jikelele, abaninzi batshorensi basebenzisa iifom eziqhelekileyo ezipapashwe yi- Ofisi yeeNkonzo ze-Inshorensi okanye "ISO". Esinye isizathu sikulungele.
Ukuphuhlisa iifomu zomgaqo-nkqubo ngumsebenzi osisigxina owenziwa ngabaninzi bomshuwalense ukukhetha ukuphepha. Isizathu sesibini sisengozini. Xa umgcini-inshurensi uphakamisa ulwimi lwalo oluthile, kukho umngcipheko ukuba inkundla inokuyichaza ulwimi ngokuhlukileyo kunokuba i-insurer ejoliswe kuyo. Umshurensi unokunyanzeliswa ukuba ahlawule amabango awazange acwangcise ukuyifaka.
Ngenxa yokuba iifom ze-ISO zamatyala zisetyenziswe ngokubanzi, ezininzi zeelwimi eziqulethe zivele ziguqulelwe ziinkundla. Iintsingiselo zenziwe ngamagama athile kunye nemibinzana. Ngaloo ndlela, ngokwemeko yomthetho, iifom ze-ISO zingabonisa ingozi emincinci kubagcini-bhorensi kunefom yeefayili.
CGL
Isiseko somgaqo-nkqubo we-ISO wemfanelo yiFom General General Accountability Form okanye iCGL. Le fomu inikezela ngezibonelelo ezintathu ezihlukeneyo:
- Umgangatho A, ukuLawulwa kweBhodi kunye nokuLawulwa kwePropati
- Ubungakanani B, Ubuntu kunye noKhuseleko lokuLawulwa kweNtengiso
- Ubungakanani B, iiNtlawulo zonyango
Eli nqaku lijolise kwiXanduva lokuLawulwa kweBhodi kunye nokuLawulwa kweMpahla. Ubuntu kunye noKhuseleko lokuLawulwa kweNtlawulo kunye neentlawulo zeNtlawulo zonyango zijongene ngokwahlukileyo. Ngeenjongo zeli nqaku, siya kuthatha ukuba inkampani yakho iqeshwe nge- insured kwipolisi yakho yemfanelo.
Isiqinisekiso sokuqinisekisa
I-coverage enikezelwa yi-CGL ichazwe ngokubanzi kwisivumelwano sokuqinisekisa.
Umgaqo-nkqubo uphawula ubungqina bakho ngokusemthethweni ukuba uhlawule njengemonakalo ngenxa yokulimala komzimba okanye umonakalo wepropati . Oko kukuthi, ihlanganisa amabango okanye i-suit against nenkampani yakho ngumntu okanye inhlangano eye yabangela ukulimala komzimba okanye umonakalo wepropathi ngenxa yesigxina sokwenza kwakho.
I-CGL inikezela ngokubanzi ngokubanzi. Iquka ukulimala komzimba okanye umonakalo wepropati obangelwa yinto ngaphandle kokulimala okanye umonakalo onqandelwe ukukhutshwa . Ukuze uMyinge A usebenzise isicelo, kufuneka ube noxanduva lokusemthethweni ngokulimala okanye umonakalo. I-CGL ayiyi kuhlawula iintlawulo ozenza ngokuzithandela.
I-CGL ibandakanya ukulimala komzimba okanye umonakalo wepropati:
- ezenzeka kwindawo yakho
- ezivela kwimisebenzi oyenzayo, okanye ukhupha kwindawo yakho
- ezivela emsebenzini owugqibileyo
- ezivela kwimveliso yakho
Kwiindawo Zakho
Umlinganiselo A usebenza kwiimangalo ezivela kwingozi okanye umonakalo owenzeka kwindawo yakho. Nasi umzekelo.
UDoris usebenza ngeeNkcazo zikaThixo, isitolo sekhofi esithengisa amaqebelengwane kunye nekiki ezenziwe kwindawo. UMthetho oYilwayo, umthengi, ungena kwisitoreji kwaye uya ekhompyutheni xa ehamba aze awele phezu kwesihlalo. UBill uyalimaza idolo lakhe ekuwa. Kwiinyanga ezintathu emva kwengozi wafake ibango kwi-Divine Distlights.
Ibango lakhe lifuna ukuhlawulwa kweendleko zakhe zonyango ezinxulumene nokulimala kwamadolo. Umgaqo-mboleko weevenkile uphawula ibango.
Ukuqhuba okuqhubekayo
Umlinganiselo A usebenza kwiimangalo ezivela emsebenzini okanye kwimisebenzi oyenzayo kwindawo yakho. Umzekelo, isitolo somatshini osebenzayo senza umsebenzi kwindawo yaso. Umqeshwa wakho usebenzisa i-lathe xa ephumele umonakalo umthengi u tyelele ivenkile yakho. Ukuba ngaba umthengi ubeka wena okanye umqeshwa ngenxa yengozi yomzimba, ibango kufuneka lifunyenwe ngumgaqo-mboleko wentengiso yakho.
Umgangatho A uquka amabango aphuma kumsebenzi okanye imisebenzi eyenziwa ngaphandle kwendawo yakho (kwindawo yomsebenzi). Ngokomzekelo, i-Capital Building iye yaqeshwa ukuhlaziya uphondo lwangaphakathi kwisakhiwo seofisi. Umqeshwa oyiNtloko uhambisa isithebhile wabona kwindawo yomsebenzi xa ehlaselwa ngengozi.
Ibona liwa phantsi, lonakalise iileyile eziliqela. Ukuba umnikazi wezakhiwo kamva uxanduva lweZakhiwo zoPhuhliso lweendleko zokulungisa ii-tile zomgangatho, umgaqo-nkqubo wezobambiso ze-Capital kufuneka uhlawule i-suit.
Ukugqitywa koMsebenzi okanye iMisebenzi
Kwimzekelo yangaphambili, umonakalo emgangathweni ube ngumphumo womsebenzi oqhubekayo. Okokuthi, umonakalo wenzeka ngelixa i-Capital Building yayenza imisebenzi eqhubekayo. Ukulimala komzimba okanye umonakalo wepropati kungavela kumsebenzi ogqityiweyo okanye ukusebenza. Ibhizinisi lingatyala ngenxa yokulimala okanye umonakalo obangelwa ngumsebenzi ongenasiphelo.
Masithi ukuba iCapital Building yakha ucingo lwesango elisibhozo ejikeleze igumbi lokuhlwaya kwi-winery. Ngethuba lokwakha inkqubo, abasebenzi bezakhono abahluleki ukufaka amanyathelo afanelekileyo. Kwiminyaka emibini emva kokuba ucingo lugqityiwe, lulimaza umthengi we-winery. Umthengi uthatha iNgxowa-mali yoLwakhiwo ngokulimala komzimba. Imali-mboleko yemali-mboleko ngokubanzi ihlawula ibango ngenxa yokuba umgaqo-nkqubo wenkxaso-mali uquka ukuhanjiswa kwemveliso-epheleleyo imisebenzi .
Zakho Imveliso
Amanye amabango avela kwimveliso ephosakeleyo. Iziqhamo Zingcwele (kumzekelo wokuqala) zithengisa impahla ebhakiweyo kuluntu. Masithi uMoya uthengisa ii-pie ze-cherry. U-Stuart uthengisa enye yee-pie aze athathe ekhaya. Udla isiqwengqwana sepayi xa ephula idyo kwi-pitry cherry. Izinyo zeStuart azikwazi ukulungiswa ukuze zisuswe kwaye zitshintshwe ngokufakelwa kwamazinyo. I-Stuart ithumela iLizwi likaThixo eliqhayisa amazinyo kunye neemfuno zokubuyiselwa. Kwakhona, Umgaqo-nkqubo we-Divine's CGL kufuneka uhlawule ibango. Amabango ngenxa yokulimala okanye umonakalo obangelwa yimveliso ephosakeleyo i-insured phantsi kweemveliso-ezigqityiweyo zengxelo.
Khuselo
Ukuba umgwebo ogqitywe yi-Average A ifakwe kwi-firm firm yakho, umgcini-mali wakho uza kunika igqwetha ukuba likukhusele . Iindleko ezifihliweyo zibandakanya iifizi zommeli, iindleko zeenkundla, iiproyum kwiibhondi ezithile, kunye nomdla osetyenziswe kwisigwebo. Zonke ezi ntlawulo zifakwe phantsi kwe-coverage ebizwa ngeeNtlawulo ezongezelelweyo . Zihlanganiswe ngaphezu kwimiqathango yomgaqo-nkqubo.