Ngubani ofihliweyo phantsi koMgaqo-nkqubo waMfanelo?

Uninzi lwamashishini athengi umgaqo-nkqubo wokumisela ukukhusela inkampani kwiimangalo zenkampani yesithathu. Umgaqo-nkqubo ojongene nokunyanzelisa umgaqo-nkqubo uhlanganisa amabango oshishino oludweliswe kwiimpapasho. Ikwabandakanya amabango kunye namanye amaqela ahlukeneyo achazwe kwicandelo elinesihloko esithi Who Who Insured.

Ubani Umshurensi?

Imigaqo-nkqubo yamatyala amaninzi ahlinzeka ngokukhawulelana okulinganayo (okanye ebanzi kunaleyo) umgaqo-nkqubo we- ISO wokuthengisa uxanduva jikelele (CGL).

Ingqungquthela yayo, eli lilandelayo lichaza ukuba i- insured term ithetha umntu okanye umbutho ofanelekileyo phantsi kweCandelo II, ngubani oNgciniwe. Icandelo II lichaza iindidi ezimbini ze-insureds:

• Umntu obizwa ngokuba ngumshuwalense , oku kuthetha ukuba iqela elidweliswe kwiimemezelo zomgaqo-nkqubo
• I-insureds ezizenzekelayo, ezithetha abantu kunye neenkampani ezifihlakeleyo ngokuzenzekelayo ngenxa yokuba zinobudlelwane bezoshishino kunye negama elibizwa ngokuba yi-insured

Zibizwa ngokuba yi-Insureds

Umntu obizwa ngokuba ngumshuwalense ngumbutho osemthethweni odweliswe kwiimpapasho. Ingaba ngumntu (yedwa umnini-mhlaba), ubambiswano, iqumrhu, okanye olunye uhlobo lweziko.

UmGaqo oBanzi

Ezibizwa ngokuba yi-insureds zinikezelwa ngokubanzi ngokubanzi phantsi komgaqo-nkqubo. Zihlanganiswe malunga nantoni na into eyenziwa yoshishino, ngokulandela imigqaliselo yomgaqo-nkqubo kunye nezibonelelo. Ngokomzekelo, i-ABC Inc isebenze ikhonkco elincinci leentlawu. Inkampani iqinisekisa imisebenzi yayo yokuthengisa ngaphantsi komgaqo-nkqubo weCGL.

I-ABC Inc. inquma ukudibanisa ibhiziniselwano layo ukuze ithenge indawo yokuvelisa efuphi neendawo zayo zokugcina. I-ABC ifuna ukugcina ulwalamano oluhle kunye ne- insurer yalo yemfanelo ngoko ikwazisa inkampani ngaphambi kokuba ithenge.

Khawuthethe ukuba i-ABC ithenga indawo entsha ngaphandle kokuxelela umgcini-mali.

Ingaba indawo yokuvelisa iya kubalwa phantsi komgaqo-nkqubo we-ABC's CGL? Impendulo nguyebo. Umgaqo we-CGL awukhawulelanga ummandla kwindawo ethile okanye uhlobo lweshishini. I-ABC yi-insured ebizwa ngokuba yi-insured ukwenzela ukuba isiseko sayo esitsha sihlanganiswe ngokuzenzekelayo ngumgaqo-nkqubo.

Umntu obizwa ngokuba ngumshurensi uhlanganiswe ngamabango aphakanyiswayo ngenxa yokunyaniseka okwenziwa ngumntu osebenza egameni lakhe. Ngaloo ndlela, iqumrhu elibhekiselwe kumgaqo-nkqubo lugqitywa ngamabango ngamalungu omntu ngenxa yokulimala okubangelwa ukunganyaniseki kwabasebenzi beenkampani.

Kwangathi ingaquka amaQumrhu amaninzi

Umgaqo-mboleko ungabandakanya ezimbini okanye ngaphezulu ezibizwa ngokuba ngama-insureds ukuba umntu ofanayo okanye iqumrhu linalo inzala enkulu kubo bonke. Ngokomzekelo, i-Sweets Unlimited yinkampani eyenza kwaye ihambisa ii-candies. Iiskese ezingenamkhawulo zine-100% yesibonelelo esibizwa ngokuthi i-Toothsome Treats, esisebenza kwivenkile yokuthengisa i-candy. Amacandelo amabini anobunini obuqhelekileyo ngoko bobabini bangabhaniswa njengegama elibizwa ngokuba yi-insureds kumgaqo-mfanelo omnye.

Umntu angabhalwa kwipolisi yemfanelo ukuba yena okanye ungumnikazi wedwa. Umntu angabhalwa ngokubambisana kunye nenkampani ukuba umntu unayo ubuncinane ama-51% enkampani. Ngokomzekelo, uJane Jones ungumnini-mnikazi wedwa weJones Marketing Inc.

Ngenxa yoko, uluhlu lomgaqo-nkqubo lwenkampani uluhlu uJohn Jones Inc. kunye noJane Jones, umntu, njengoko kuthiwa ngu-insureds.

Imibutho elitsha

Ukuba umntu ogunyazisiweyo ogqityiweyo ufumana okanye enze enye intlangano ngexesha lepolisi, umbutho omtsha ngokuzenzekelayo ufaneleke njengegama eliqinisekisiwe. Nangona kunjalo, ukuxhaswa okunikezelwa kwinkampani entsha yesikhashana. Iphelile iintsuku ezingama-90 ukususela kumhla umbutho omtsha ofunyenweyo okanye owenziwe okanye ekupheleni kwenkqubo yenkqubo, nokuba yiyiphi into eza kuqala. Kukwaxhomekeka kwezi meko zilandelayo, zonke ezo zifanele zanelisekile:

• Wena (inkampani egqitywe ngomgaqo-nkqubo) i-51% okanye ngaphezulu kwintlangano entsha;
• Umbutho omtsha awuyiyo intsebenziswano ebambiseneyo, inkampani ejongene nokunyaniseka okanye ubambiswano; kwaye

• Akukho phepha lokubambisana elikhoyo kumbutho omtsha.

Ngokomzekelo, cinga ukuba i-ABC Inc. (ityhethi yokuthengisa i-shoe ekhankanywe ngasentla) idala inkxaso-mali entsha, XYZ, Inc., ukwenza izicathulo. I-ABC inayo i-100% ye-XYZ. Kucinga ukuba i-XYZ Inc. ayinaso esinye isabelo sokubambisa, siya kugqitywa phantsi komgaqo-nkqubo we-ABC wenkcitho ngeentsuku ezingama-90 ukususela kumhla we-XYZ wadalwa.

Ukuba inkampani yakho ifumana okanye ifake iqumrhu elitsha, kufuneka uxelele umshwalense wakho ngokukhawuleza. Umshuwalense wakho uya kwengeza intsha entsha kwipolisi yakho. Ingakuhlawula i-premium eyongezelelweyo ukuze kuqinisekiswe inkampani entsha.

I-Insureds ezenzekelayo

Umgaqo-nkqubo weCGL uquka ngokuzenzekelayo, njenge-insureds, abantu okanye iinkampani ezidweliswe ngezantsi. La maphathi ahlanganiswe ngokuzenzekelayo kuba banxulumene nezoshishino kunye negama elibizwa ngokuba ngumshishini.

1. Umlingane womntu ogqitywe ngomgaqo-nkqubo. Ukuba iBill Bill ihlelwe njengomnini-mnikazi wedwa kumgaqo-mfanelo yakhe, iqabane likaBill lihlanganiswa ngokuzenzekelayo njengesiqinisekiso.
2. Abalingani bentsebenziswano, okanye amalungu omsebenzi odibeneyo, aboniswe kumgaqo-nkqubo. Ngokomzekelo, cinga ukuba "uBenson noJenson, intsebenziswano" ibonakala kwiingxelo. Ngenxa yokuba u-insured ogunyazisiweyo ubambiswano, iqabane lamanye amaqabane (uBob Benson noJill Jenson) ngokuzimeleyo bafaneleke njenge-insured.
3. Amalungu kunye nabaphathi beenkampani ezithintekayo (LLC) ezibhalwe kumgaqo-nkqubo
4. Abalawuli, amagosa alawulayo, kunye nabanini-zimpahla benkampani ebizwa ngokuba ngumgaqo-nkqubo
5. Iiprasti ze-trust ethe zibhalwe kumgaqo-nkqubo
6. Abasebenzi bomntu okanye iqumrhu elidweliswe kwiimpapasho. Amagosa amagosa agqitywe ngokubambisana nabalawuli nabagcini-zimpahla. Ngaloo ndlela, ababheki njengabasebenzi. Kuyafana kunjalo namalungu kunye nabaphathi be-LLC.
7. Umntu okanye iqumrhu elibizwa ngokuba ngumphathi we-insured's real estate . Umzekelo, i-Prime Properties Inc. inezakhiwo ezininzi zorhwebo. Ukuba ulawulo oluqingqiweyo lwe-Ace Management lokulawula iipropati, i-Ace ngokuzenzekelayo i-insured phantsi komgaqo-mboleko weNkulumbuso.
8. Umlondolozi wexeshana kwipropati yakho xa usweleka (ukuba ungumnikazi wedwa). Ngokomzekelo, cinga ukuba unesakhiwo sendawo yokuhlala. Ufa kwaye intombi yakho ilawula okwesikhashana isakhiwo. Ukhuselekile ngokumalunga nawaphi na amabango aphuma kwisakhiwo sezindlu ngelixa ephantsi kolawulo lwakhe.
9. Ummeli wakho wezomthetho xa usenokufa (ukuba ungumnikazi wedwa). Ukuba ukhethe umntu ukuba abe ngummeli wakho osemthethweni emva kokufa, lowo mntu okanye iqumrhu likhuselwe ngogunyazi.

Amaqela achazwe ngasentla aqinisekisa kuphela ngelixa eqhuba imisebenzi yawo egameni le-insured. Ngamanye amazwi, abasebenzi baqinisekisa kuphela ngelixa beqhuba imisebenzi yabo kumqeshi efakwe kwiimpapasho. Ngokufanayo, abalawuli baqinisekisa kuphela xa besenza njengabalawuli begama elibizwa ngokuba yi-insured corporation.

Ama-insureds afihliweyo ngokuVunywa

Ngaphandle kwegama elibizwa ngokuba yi-insureds kunye ne-insureds ngokuzenzekelayo, amaqela angeziwe angabhekiswa phantsi komgaqo-mboleko ngenkqubo yokuvuma . Kwiimeko ezininzi, i- insured eyongezelelweyo ifakiwe ukuzalisekisa imfuno yesivumelwano. Ngokomzekelo, cinga ukuba i-AAA Accounting ihlawula i-ofisi ye-ofisi kwi-Buildings Best. Uqeshiso lwe-AAA lufuna ukuba lubandakanye umninikhaya njengenqwelo-mali eyongezelelweyo phantsi komgaqo-nkqubo we-AAA. Ukuze anelise imimiselo yesivumelwano, i- AAA inshurensi yongezelela ukugunyazwa kwipolisi ye-AAA. Ukwamukelwa kuhlanganisa Isakhiwo esona siGqwesileyo njengesiqinisekiso esongezelelweyo.