Kubaluleka kweNtsholongwane yeNtsholongwane
Inyhuwalense yexanduva ibaluleke xa inkampani yakho isebenzisa iinqanawa ngeenjongo zoshishino. I-inshurensi ibalulekile ukuba iinqanawa ziphethwe yinkampani yakho okanye omnye umntu. Ukuba wena okanye umqeshwa uhlola ikhephe, unokungabonakali ngengozi. Ingozi inokulimaza omnye umntu okanye ukulimaza impahla yomntu. Kwakhona kungonakalisa umonakalo kwisikhephe ngokwayo. Ukuba iqela elenzakalisekile likufaka wena okanye iqumrhu lakho ngokulimala okanye umonakalo, ibango aliyi kuguqulwa ngumgaqo-nkqubo wakho wokuzibophezela ngaphandle kokuba iwele ngaphandle kwendawo yokukhutshwa kwamanzi.
Ukukhutshwa kwamanzi
Ininzi yemigaqo-nkqubo yemfanelo iqulethe ukukhutshwa okubizwa nge-Aircraft, Auto okanye Watercraft. Ukukhutshwa kubandakanywa phantsi koKhuseleko lwe-A, ukuLawulwa koLuntu kunye nokuLawulwa kweMpahla. Kusebenza kwenzakalo yomzimba okanye umonakalo wepropathi ovela kubunini, ukugcinwa okanye ukusebenzisa nayiphi na umbhobho wamanzi oyena (okanye nayiphi na enye inshorensi) eyakho okanye esebenzayo.
Kusebenza nakweyiphi na umbhobho wamanzi oyena (okanye nayiphi na i-insured), uboleke okanye ubeke omnye umntu.
Ukukhishwa kwamanzi kusebenza kumqhubi weekhephe kunye nabani na olawulayo okanye obeka esweni loo mntu. Ngokomzekelo, cinga ukuba inkampani yakho ibamba ipiknikishi yomqeshwa kwi-cruiser cabin.
Ipikiniki yenzeka echibini kufuphi neofisi yakho. UMthetho oyiYilwayo, umongameli wenkampani yakho, uqhubela umkhumbi phakathi kwelabi kunye nokuhlahlela ihange.
Iyure kwipiknikhi umqeshwa ogama lakhe linguMarko unquma ukuthabatha isikhephe. Xa uBill engakhange ukhange, uMarko ukhonjisa ihange. UMthetho oYilwayo awuboni ukuba isikebhe siyahamba emva kwemizuzu elishumi kamva, xa uMarko ezenzakalisa iinqwelo ze-cabin cruiser kwi-boatboat, enokulimaza omnye wabagibeli bayo. Ibhilidi elenzakalisiweyo yenza iYilwayo ngokunyaniseka, ithi loo ngozi yenzekile ngenxa yokuba iBhili ayizange ilandele uMark ngokufanelekileyo. Ngoxa i-suit isekelwe kwiimangalo zokulawulwa kakubi, kungekhona ukunyanzeliswa kwesi sikhephe, kungavunyelwe ukukhutshwa kwamanzi kwimigaqo-mboleko yakho.
Ubungakanani Bunikezelwa Ngaphandle
Ukukhishwa kwamanzi kuqulethe ezintathu. Ezi zithuba zibonelela ngeenkcukacha zeentlobo zamabango ezichazwe ngezantsi.
Izixhobo zamanzi kwiindawo zakho
Umgaqo-nkqubo wesikhundla sakho ubandakanya ukulimala komzimba okanye umonakalo wepropathi ovela kwiinqanawa eziye zaziswa emanzini kwaye zihlala kwindawo yakho. Ngokomzekelo, cinga ukuba i-firm yakho inesithuthuthu esincinci oyisebenzisayo ukuthatha abathengi ngezinye iinkqubo zokuloba. Ngexesha lokuwa neenyanga zasebusika, ugcina ikhefu emva kweofisi yakho.
Ngenye imini, umthengi ufika kwintlanganiso kwaye uzisa unyana wakhe oneminyaka emithandathu ubudala. Wena kunye nomthengi uthetha kwaye akaqapheli ukuba umntwana uye wangena ngaphandle. Inkwenkwe idlala kwisikhephe xa ewa, ephula umlenze. Ukuba umthengi ufuna ukuhlawulwa kwenkampani yakho ngenxa yokulimala kwendodana yakhe, umgaqo-nkqubo wakho wemfanelo kufuneka ubhalele ibango.
Amanzi aManzi
Ininzi yemigaqo-nkqubo inokukhusela ukulimala komzimba okanye umonakalo wepropati ovela kwinto echaphazelekayo ebandakanya umbane ongekho nawuphi na umshishino. Le nkcazo ixhomekeka kwiimeko ezimbini. Okokuqala, umbhobho wamanzi awukwazi ukudlula ubukhulu obuchazwe kumgaqo-nkqubo. Imigaqo-nkqubo emininzi, kubandakanywa nomgaqo-nkqubo we-ISO osemgangathweni, umda wokukhawulela kwiinqanawa eziphantsi kweenyawo ezingama-26 ubude. Nangona kunjalo, abanye abatshutshisi banikezela imigaqo-nkqubo okanye inkxaso eyongezelelweyo yokubambisa iinqanawa ukuya kuma-50 okanye ngaphezulu.
Okwesibini, iimpahla zamanzi ezingezantsi zifakwe kuphela xa zingasetyenziselwa ukuthutha abantu okanye ipropati yerhafu. Ngokomzekelo, ake sithi urenta umkhumbi we-25-foot for the business business kwaye umeme abantu abahlanu ukuba bahambe ngomkhumbi. Ukuhlawula iindleko zokuqeshisa, uhlawula iindwendwe ezili-25. Isikhephe asiyi kugutyungelwa kuba uhlawulisa intlawulo yokuthutha abantu.
Imfanelo yokusebenza
Uninzi lweemigaqo-mbopheleleko uxanduva lokubambisa uxanduva phantsi kwe- khontrakthi eqinisekisiwe yobunini, ukugcinwa okanye ukusebenzisa imishini yamanzi. Ngokomzekelo, ukuba uthe waqashisa isikebhe esinama-25 ukusuka eLes Bateaux. Inkontileka yokuqeshisa iqulethe ukubonelela. Kufuna ukuba uhlawule iqumrhu lokuqeshisa naluphi na ukulimala komzimba okanye umonakalo wepropati owenza ukuba umntu wesithathu. Ukuba ulimaza umntu okanye umonakalo kwipropati yomntu xa usebenza kwisikhephe esiqashisayo, kwaye ilungu elimele lifuna ukubuyiselwa kwi-Les Bateaux, umgaqo-nkqubo kufuneka uhlawule iindleko zokuhlawula inkohlakalo.
Akukho Mphumo woMonakalo kwiBhekile
Isivumelwano sokuqasha imoto singakubamba unembopheleleko kwanoma yintoni umonakalo owenzayo kumanzi okwakhe ngexesha lexesha lesivumelwano sokuqeshisa. Umonakalo onjalo awunakucetyiswa ngumgaqo-nkqubo wecala jikelele. Oku kungenxa yokuba imigaqo-nkqubo yemfanelo ayifaki umonakalo wepropati yakho, urenti okanye uhlale. Kwakhona zibandakanya umonakalo kwipropati ekunyamekeleni, ekugcinweni okanye ekulawuleni .
Ukunikezelwa kwamanzi
Cinga ukuba i-firm yakho inemveliso yamanzi oyisebenzisayo ngezinye iinjongo zoshishino, ezifana nokuzonwabisa kwabaxhasi. Umshuwalense wakho unokufuna ukufaka umbhobho wamanzi kumgaqo wakho wemfanelo ngokukhutshwa kwekhefu. Oku kuvunyelwa kukugubungela umbhobho wamanzi, usebenzise okanye urenti. Ukuba ukuvuma akufumaneki, kuyakufuneka uthenge i-inshorensi yemfanelo yelwandle.