Iinjongo ezijoliswe kwiinkampani zeMediya ezingabhalwa nguCGL
Njengamashishini amaninzi, inkampani yakho mhlawumbi ikhuselekile phantsi komgaqo-nkqubo wentengiso jikelele (CGL).
I-CGL iquka amabango avela kwezinye iinjongo ezithandwayo phantsi kwe- personal injury kunye nokuthengiswa kwezentengiso (ebizwa ngokuba ngu-B). Oku kufaka isicelo kubangqina boshishino lwakho olubangelwa naluphina olubandakanyekayo kwintetho yesichengezelo somntu siqu kunye nentengiso . Kutheni ibhizinisi lingafuna i-inshorensi yemfanelo yomsakazo ukuba iiforti zenzelwe iCGL?
Ubungakanani B hayi kubandakanyeka inkohlakalo, ukunyundela, kunye nezinye iimpazamo xa zenziwa ngamashishini abandakanyekayo kwiintengiso , ukupapasha, ukusasaza, okanye imisebenzi efanayo. Amashishini abandakanyekayo kwimisebenzi enxulumene nezobume bemidiya aziyi kubakho ukukhutshwa kweziphoso ngaphandle kokuba bathenge i-inshorensi yemfanelo yomshuwalense.
Imizekelo yeziBango eziViweyo
Nayi imimiselo ye-inshorensi yemfanelo yenkampani yomshuwalense yenzelwe ukukhupha:
- Ikhampani yokuvelisa i-movie ilandelwa ukuphulwa kwe-copyright ngumshicileli womculo obiza ukuba inkampani yokuvelisa isebenzisa ingoma kwi-movie ngaphandle kokufumana ilayisenisi kumshicileli.
- Iphephandaba le-intanethi lipapasha ukuhlaziywa kakubi kwe cafe yendawo. Umbhali uphikisa ukuba indawo yokutyela ayiphumelelanga ukuhlolwa kokutsha kwezempilo ngenxa ye-rat infestation. Umnini-cafe ubeka iphephandaba kunye nomlobi ukuba athethelele, ephikisana nokuba izigxeko ziyamanga kwaye zenze ukuba i-cafe ilahlekelwe ngabathengi.
- Umgcini wezentengiselwano ube ngumhlobo wezopolitiko wesifazane ngenjongo yokufumana "ukungcola" kwibhlogi ezayo. Ulopolitiko akazi ukuba ummeli wegama lomsebenzi kwaye wabelane ngolwazi oluzimeleyo. Umgcini wombhali ubonisa ulwazi kwiblogi kwiwebhusayithi yakhe, kwaye i-politician iyammangalela ngokungena ngasese.
- Iifrimu ezinqabileyo zincinci i-film emele i-logo esebenzisa i logo equlethwe iileta ezimbini ze-Fs ezidibeneyo. Umncintiswano uqala ukusebenzisa i logo equlethe i-Fs. I-sues ye-Fantastic ikhuphisana nomthengi wokuphula umthetho.
Umthombo weMidiya
Ubunikazi besikhundla seMediya luhlobo lweephutha kunye ne-inshorensi yokuchithwa ezithengwa ngabapapashi, abasabalalisi, ii-arhente zentengiso, ababhali kunye namanye amabhizinisi adala okanye anikezela umxholo. Ngokuqhelekileyo kubhaliwe kwimigaqo -nkqubo eyenziwa ngamabango , kodwa iifom ezenzekayo ziyafumaneka. I-inshorensi yemboleko yeMedia ihlala iqukwa kumgaqo-nkqubo we- cyber .
Ininzi yemigaqo-nkqubo yemigaqo- mboleko ijongene neendlela ezichaziweyo, oku kuthetha ukuba zibandakanya iintlobo zeendlela ezichazwe kumgaqo-nkqubo. Iipolisi zihluka ngokubanzi, kwaye iziganeko ezigqutywe ngumgaqo-nkqubo onokuthi zingabhekiswa ngenye. Ezinye iinkqubo zibandakanya amaninzi amaninzi ngelixa ezinye zimboza ezimbalwa.
Nazi ezinye zeziganeko ezivame ukugqithwa phantsi komgaqo-nkqubo wezopolitiko:
- I-Libel, ukunyundela, ukuhlambalaza , ukuchithwa kwemveliso, kunye neentengiso zezorhwebo
- Ukuhlasela okuyimfihlo: Ixesha elidibeneyo elibandakanya amacala amane ahlukeneyo: ukungena kwi-seclusion, ukusetyenziswa kakubi kwegama okanye ukufana, ukudalulwa koluntu kwimiba yabucala, kunye nokukhanya okungekho
- Ukunganaki ngokunyanisekileyo ukuxinezeleka kwengqondo, ukuthukuthela okanye ukuziphatha kakubi
- Ukuphulwa komthetho okanye ukuhluthwa kwegama lokuthengisa, isiqubulo, igama lohwebo, ingubo yokuhweba, uphawu lweenkonzo, okanye igama lenkonzo
- Ukuphulwa kwelungelo lokungabonakali, ukunyanzelisa, okanye ukusetyenziswa kakubi kweengcamango
- Ukuboshwa kwamanga, ukuvalelwa okanye ukuvalelwa entolongweni , ukusetyenziswa kakubi kweenkqubo, okanye ukutshutshisa okubi
- Ukungena ngokungalunganga okanye ukukhutshwa, ukugqithiswa, okanye ukungena kwelungelo lokuhlala ngasese
LoKhuselo kunye neNkundla yokuBala
Phantse yonke imigaqo-nkqubo yemfanelo yemidiya ibandakanya ukukhuselwa kokukhusela. Oku kuthetha ukuba bafihla indleko zokuphenya, ukukhusela , nokulungisa amabango afakwe kwi-insured party.
Eminye imigaqo-nkqubo ikhusela iindleko zokukhusela ngaphandle komda kanti ezinye ziquka ezo ndleko ngaphakathi komda. Iindleko zokukhusela ibango leemali zamabango zingabininzi, kwaye iindleko zongeza ngokukhawuleza. Qinisekisa ukuba uthenge umda ofanelekileyo we-inshurensi. Oku kubaluleke ngakumbi ukuba umda wakho uya kuncitshiswa ngeendleko zokukhusela.
Uninzi lwemigaqo-nkqubo yemfanelo yeendaba ziquka ukubonelelwa kwemvume-yokulungiswa kwempahla, echaza ukuba umgcini-mali uya kuhlawula ibango ngaphandle kwemvume yakho. Ngelishwa, eli thuba lilandelwa rhoqo "ligatya lesinyundo."
"Igatya lesinyundo" libeka isohlwayo xa ungafuni ukuvuma ukuhlawulelwa ngokuvumelanayo kunye ne-inshurensi kunye nommangali. Isigatshana esichaza ngesando sichaza ukuba xa wenqaba ukufumana isigqibo esicetywayo ngu-inshurensi, imali leyo umgcini-mali uya kuhlawula ngayo ibango liya kuncitshiswa. Ngokomzekelo, i-inshurensi ayinakho ukuhlawula ngaphezu kwexabiso lokuhlaliswa okuhlongozwayo kunye nepesenti (njengama-50 ekhulwini) yomonakalo kunye neendleko zebango ezidlulileyo kwisixa-mali sokuhlaziywa.
Imida kunye neDeductible
Imigaqo-nkqubo yemfanelo yemidiya ihlala ine- deductible (okanye ukugcinwa ) okusebenzayo kwibango ngalinye. I-deductible ibonisa inani omele ulihlawule ngalo. Ingabandakanya zombini umonakalo kunye neendleko zamabango.
Imigaqo-nkqubo eninzi yemimiselo yeendaba ijongene nemida emibini: "ibango ngalinye" kunye nomyinge opheleleyo. "Imali nganye" ngumlinganiselo wenkxaso-mboleko iya kuhlawula ibango elinye okanye iqela lamabango ahlobene. Umda wecala liyona nto ininzi umshwalense uya kuhlawula onke amabango awenziwe ngexesha lepolisi.
Ezingabikho
Nazi ezinye iimboniselo ezivame ukubonakala kwimigaqo-nkqubo yemfanelo. Lona alukho uluhlu olupheleleyo.
- ZoLwaphulo . Nangona izenzo zezobugebengu zivaliwe ngaphandle, umgcini-mali wakho unokukukhusela ngokuchasene nesityholo sobulungisa uze ufunyaniswe netyala yijaji okanye ijaji, okanye uyavuma ukuba ulwaphulo-mthetho.
- Ukulimala komzimba okanye ukuPhathwa kweMpahla . Umntu ongabandakanyeka unokufaka isicelo kwiimangalo ezichazela ukuxinezeleka kwengqondo ezibangelwa ngongoma.
- Ixabiso lokuQinisekisa, ukuxhatshazwa, ukuThatyathwa kweMatyala Imigaqo-nkqubo eninzi ayifaki ukuphulwa kwe-anti-trust, anti-racketeering, kunye nemithetho yemfihlo.
- Ukuphulwa kwePentent .
- Ukuphulwa kweKontrakthi . Imigaqo-nkqubo emininzi ibandakanya ukungavumelani kwesivumelwano sobumfihlo owenziwe nomthombo.
- Izenzo zokuSebenza. Ayithathi ibango lokucalulwa, ukuxhatshazwa kunye nezinye iindlela zokuqesha
Ezinye iiMfuneko ezibalulekileyo
Xa uthengisa umgaqo-nkqubo wemfanelo yemidiya, kukho amanyathelo ambalwa okufuneka uwaqwalasele. Okokuqala, qiniseka ukuba inkcazo "yokulahleka" okanye "umonakalo" kumgaqo-nkqubo uquka umonakalo wokugweba. Okwesibini, khangela umgaqo-nkqubo oqulethe isigaba sokubuyisela. Eli gatya lithetha ukuba wena (okhuselekile) unengqiqo yodwa ukugqiba ukuba uyayilungisa okanye uyibuyise umxholo osele usasazwa.
Okwesithathu, ininzi yemigaqo-nkqubo yemithwalo yemimiselo inciphisa ukukhawulelwa kwiitrop ezivela kwiintlobo ezithile zemisebenzi. Ezi zingachazwa kwigama elichazwe njenge "imisebenzi yemidiya." Imizekelo yemisebenzi ehlanganisiweyo ibandakanya ukuqokelela, ukudala, ukupapasha okanye ukusasazwa komxholo. Xa ukhetha umgaqo-nkqubo, qiniseka ukuba umgaqo-nkqubo uphawula imisebenzi yenkampani yakho.
Ekugqibeleni, abavakalisi okanye abahanjisi abanomxholo bangabethwa ngumyalelo oyalela ukuba bayeke ukupapasha okanye ukuhambisa uhlobo oluthile lomxholo. Ezinye iinkqubo zifihla indleko zokuthobela umyalelo.