Ziziphi iingozi?
Uhlaselo lwesigebengu lunokuchaphazela ishishini lakho ngeendlela ezininzi.
- Ukulimala kwePropati Ukuhlaselwa kungabangela umonakalo emzimbeni kwizakhiwo, iziqulatho zokwakha, izithuthi kunye nezinye izinto eziphantsi kweshishini lakho.
- Ukulahlekelwa kweNgeniso kunye neZindleko ezongezelelweyo Ukuhlaselwa kungonakalisa indawo yenkampani yakho, ukuphoqele ukuvala kuze kube yilapho ukulungiswa kugqityiwe. Ukuvalwa kungabangela ukuba ishishini lakho lilahlekelwe yimali eninzi yengeniso. Nangona inkampani yakho ingakwazi ukuqhubeka isebenza kwindawo yesikhashana, kuya kuba neendleko ezongezelelweyo zokuhamba nokuqeshisa. Nangona ipropati yakho yenkampani ingonakaliswe, ingahle ilahlekelwe ngumvuzo xa amagunya karhulumente avimba ukufikelela kwi shishini lakho.
- Ukulimala kwabasebenzi Ukuhlaselwa kwabakhohlisi kudla ngokubandakanya ukusetyenziswa kweebhomu okanye ezinye izixhobo zokutshabalalisa. Oku kunokubangela ukulimala kakhulu kwabasebenzi bakho.
- Ama-lawsuits Amaxhoba ezenzo zamaphekula angayifaka i-third-party lawsuits against businesses. Ngokomzekelo, ixhoba linokuthi ukuhluleka kwenkampani yakho ukukhusela ngokwaneleyo indawo yalo kushiywe abathengi abasengozini ekuhlaselweni.
Abashurensi kufuneka banikeze uMgangatho woBugcisa
Ipropati yezoshishino kunye nabanini-mboleko baxhomekeke kumthetho wesigqeba obizwa ngokuba ngu-Terrorism Risk Insurance Act (TRIA).
Umthetho udluliselwe ngo-2002. Udinga uxanduva lwezorhwebo kunye ne-inshorensi yepropati ukunikezela ngogqirha kubasebenzi babo. Ukuba umgcini-mgaqo-nkqubo unqabile ukukhawulelwa, umgcini-mali unokuthi unamathisele ukungabikho kobugqugquzela kumgaqo-nkqubo.
I-TRIA ayisebenzisi kwimoto yorhwebo , uxanduva lwezakhono (ngaphandle koxanduva lwabalawuli kunye namagosa ), imbuyekezo yabasebenzi, ukugqithisa kunye nokusela, ubomi kunye nempilo, okanye iinshorensi zomntu ngamnye.
Abaqinisekisi bavinjelwe ukuba bangabandakanyi ugubungela phantsi kweentlobo zemigaqo-nkqubo . Ngaloo ndlela, abasebenzi abalimele emsebenzini ngenxa yokuhlaselwa kwamagorha baya kufumana izibonelelo phantsi komgaqo-nkqubo wokuhlawulela abasebenzi . Ngokufanayo, umonakalo kwi-auto-owned car by a terrorist attack kufanele ifakwe ngumgaqo-nkqubo wakho wokuthengisa, ucinga ukuba isithuthi sihlaselwe ngumonakalo womzimba .
Umgangatho weZenzo eziQinisekisiweyo kuphela
I-TRIA yenze indlela yokwabelana ngokulahlekelwa phakathi kwekarhulumente karhulumente kunye nabanini-bhankanyi bentengiso. Urhulumente wavuma ukwabelana ngelahleko ezigqithisileyo. Ukutshintshiselana, abaqinisekisi bavuma ukwenza ulwabiwo-mthetho lufumaneka. Isivumelwano sisebenza kuphela kwizenzo zobungqina bogqirha . Eli gama lichazwe kumthetho. Ukuze ufaneleke njengomsebenzi oqinisekisiweyo, isenzo segebengu kufuneka sihlangabezane nazo zonke ezi zilandelayo:
- nokuba yinto enobudlova okanye isenzo esiyingozi kwimpilo yabantu, impahla okanye izibonelelo
- zenziwe ngumntu omnye okanye ngaphezulu kumzamo wokubambisa abantu base-US, okanye ukuchaphazela umgaqo-nkqubo okanye ukuziphatha koburhulumente base-US ngokunyanzelisa
- kubangele umonakalo ngaphakathi eUnited States (okanye ngaphandle kwelizwe kwiinqanawa zase-US okanye kwiimishini zase-US)
- kubangela ipropati kunye nokulahleka kwezinto ezilahlekileyo ngaphezu kweerandi ezigidi ezingama-5
- ziqinisekiswe ngamagosa athile aseburhulumenteni base-US
I-TRIA ayifuni i-inshurensi ukuba igubungele izenzo zogqirha ezingahambelani neemfuno ezikhankanywe ngasentla. Kwimashishini yomshuwalense, izenzo ezingafanelekanga njengezenzo eziqinisekisiweyo zingathathwa ngokuthi "ezinye izenzo" okanye "izenzo ezingezozingqiniswanga" zobugrogasi.
Ubungqina boBugcisa bokuPhumelela
Abanikazi bamashishini amancinci ngokuqhelekileyo bafumana ukukhutshwa kobugqugqolo ngokugqitywa kwongezwe kwipropati okanye umgaqo-nkqubo. Abanye abaqinisekisayo basebenzisa ukukhushulwa kobugqugquzelwa yi- ISO . Abanye basebenzisa iimvume zabo zokuthengisa.
Ukuvunyelwa kobugqirha ngokubanzi kukukhawulelana nokunika ingxelo kwizenzo eziqinisekisiweyo. Ukuba isigebengu sonakalisa ipropati yenkampani yakho kwaye isenzo siqinisekisiwe, umonakalo kufuneka ufunyanwe ngokuqinisekiswa kwakho kobugorha.
Enye indlela yokwalukelwa kobugorha ngumgaqo-nkqubo wobugorha omeleyo.
Le nkcazo iyafumaneka kuphela kwiinkampani ezinkulu nakwizinga eliphakathi. Iquka ilahleko ezibangelwa ziigorha nokuba ingaqinisekiswa. Umgaqo-mgaqo-nkqubo ungasigxina izenzo ezenziwe ngaphandle kwe-US
Ukungabikho kunye nokulinganiselwa
Ubuninzi bokubhengezwa kwezobugogasi ezisetyenziselwa ipropati yoshishino kunye nabanimbopheleleko besikhokelo ziqulethe. Ukuchithwa okuqhelekileyo kusebenza kwiimpawu ezibandakanya ukusetyenziswa kwezinto zenyukliya, i-biological, chemical, okanye i-radiological materials. Ukukhutshwa kwale nto kuya kuphelisa ukukhutshwa kwengozi okanye umonakalo obangelwa yimisebe ekhishwe "ibhotile engcolileyo".
Olunye ukukhutshwa okufunyenwe kwintsebenzo yesigebengu lusebenza kwizenzo ezingaqinisekisiweyo. Kwimihlaba emininzi, izenzo ezingaqinisekisiweyo zingabandakanywa kuphela xa zenza ilahleko ezilahlekileyo. Ngokomzekelo, isenzo esingagunyazisiweyo singabandakanywa phantsi komgaqo-nkqubo wokumisela kuphela xa kubangela ukufa okanye ukulimala emzimbeni kubantu abangamashumi amahlanu okanye ngaphezulu. Ngaphantsi komgaqo-nkqubo wepropati, isenzo esingagunyazisiweyo singabandakanywa kuphela xa kubangela ngaphezulu kweerandi ezingama-25 kumonakalo wepropati.
I-TRIA ayifuni ilahleko ezibangelwa yimfazwe. Uninzi lweemfanelo kunye nemigaqo-nkqubo yepropati sele ikhuphe le ngxaki. Ukuba ugqirha luhlanganiswe phantsi kwepropati okanye umgaqo-nkqubo, imfazwe isabandakanywa.
Ukulimala komlilo okuqhubekayo
Xa iziglogwi zithintela iiplani ezimbini kwi-World Trade Center ngo-2001, i-jet fuel kwiindiza ezitshisa umlilo omkhulu. Imililo yabangela insimbi kwiTwin Towers ukuba iphumelele, kwaye izakhiwo zawa.
Kwamanye amazwe (okubizwa ngokuba ngumgaqo-nkqubo womlilo osemgangathweni), ii-inshurensi zepropati zifunwa ukufihla umonakalo womlilo osukela kwisenzo sogorha. Umonakalo ochaphazelekayo womlilo kufuneka ugqitywe nangona ugqirha ungabandakanywa phantsi komgaqo-nkqubo. Ngaloo ndlela, ukuba ipropati ekhutshiweyo iyindawo yomgaqo-nkqubo womlilo, kwaye umgaqo-nkqubo ungabandakanyi ugqirha, ukukhutshwa kufuneka kuqulethe i-exception ngenxa yokulahleka okubangelwa ngumlilo.
Ngomgaqo-nkqubo womlilo uthi, ukufunwa kwelahleko elandelayo kusebenza kuphela ekulahlekelweni komlilo. Abafaki-zincwadi abafaki ukufunyaniswa ngenzuzo yezoshishino okanye ukulahlekelwa kweendleko ezongezelelweyo ezibangelwa ngumlilo obangelwa ngumsebenzi wesigebengu. Ukuba awuqinisekanga ukuba ishishini lakho lisebenza kwi-standard state policy policy, cela i- arhente yakho okanye umthengisi ukuba acaciswe.
Ulwaphulo-mthetho
I-TRIA idinga ukuba abatshutshisi bafake iinkcukacha ezithile malunga nomthetho kwiipropati kunye nemigaqo-nkqubo.
- Ilungelo lokuthenga umlinganiselo : Abanini-mithetho banelungelo lokuthenga ukukhutshwa kwezenzo eziqinisekisiweyo zobutyikityi ngaphantsi kwemigaqo-nkqubo nepropati.
- Cap Cap on Loss: Ngaphantsi kwe-TRIA, ukulahlekelwa kwe-insured kufakwe kwi-$ 100 yezigidigidi. Ukuba isenzo esiqinisekisiweyo senze i-$ 100 yezigidigidi kwilahleko ezikhuselekile kwaye i-insurer yakho idibene ne-deductible yayo, akukho shishini lakho okanye i-federal government iya kuhlawula nayiphi na ilahleko.
- Ulwaphulo-mali lwenkokhelo: Ukuba umgcini wakho we-inshurensi uye wakuhlawula i-premium ukufihla izenzo ezinobungqina obutyikityhi, inani lemali-mali kufuneka lichazwe kumgaqo-nkqubo.
- Ukuthatha inxaxheba kaRhulumente: Urhulumente wephondo uza kwabelana ngelahleko kunye ne-insurer yakho xa umgcini wakho we-inshurensi ehlawule ukugcinwa kwayo.
Ngaba Ufanele Uthenge Umkhuhlane Wokhuseleko?
Ngaba ufanele ucinge ukuthengwa kobugqugquzela? Impendulo ixhomekeke kwimeko kunye nendawo yoshishino lakho. Nazi ezinye izinto ozicingayo malunga:
- Uhlobo loshishino: Amashishini kumashishini athile anokuba nomngcipheko omkhulu kunabo bonke abachaphazelekayo. Amashishini anjalo afaka urhulumente, umkhosi, amandla (ioli, igesi, umbane), amachiza, amaphephandaba (amaphephandaba, amaphephanjl njl.), Ukuthutha (kubandakanywa ii-airports kunye neenkqubo zokuhamba), ukuzizonwabisa kunye nokwamkela izihambi.
- Indawo yoShishino: Izigulane zivame ukujolisa kwiindawo ezinabantu abaninzi okanye ezithintela inani elikhulu leendwendwe.
- Izidingo zokuqeshisa: Abanye abanikazi bezindlu bafuna abaqeshi babo ukuba bathenge ukukhuselwa kobugqugquzela. Khangela imiqathango yeshishini lakho lokuqeshisa.
- Ukuhlaselwa Akunakuqinisekiswa: Inyaniso yokuba ukuhlaselwa kwamaphekula kunemiphumo emibi ayiqinisekisi ukuba kuya kuqinisekiswa. Ukuhlaselwa kuka-2013 kwiBoston Marathon kwabulala abantu abathathu balimala ngaphezu kwe-160. Ukuhlaselwa kwavelisa ubuncinane umonakalo wepropati ye-160 kunye namabango okufumana imali. Sekunjalo, ukuhlaselwa akuzange kuqinisekiswe.
- Inkqubo yokuQinisekisa: Urhulumente uya kufuna ixesha lokuqokelela idatha yokulahleka ukuze aqinisekise ukuba ingaba i-$ 5 million ye-threshold blocking. Oku kungathatha inyanga okanye iminyaka.
- Iindleko zoMgca: Ukugqithiswa kobuphekula kubanzi kuxabisa phakathi kwe-$ 19 kunye ne-$ 49 kuzo zonke izigidi zeerandi zenani le-insured, ngokutsho kweNkcazelo ye-Insurance Information. Oku ngokuqhelekileyo kufikelela kuma-3 ukuya kuma-5 ekhulwini kwi-premium yomshuwalense wepropati.