Abaqeqeshi bezentengiselwano bathanda abacwangcisi, oogqirha kunye nabacebisi bekhomputha bazibamba njengengcali kwintsimi yabo.
Aba bantu kulindeleke ukuba bahlangabezane nemigangatho yenkathalo eqhubayo kwishishini labo. Imigangatho iyahluka ngochwepheshe. Kwimashishini amaninzi, abaqeqeshi balindeleke ukuba benze njengomntu onengqiqo kwimo efana nezemfundo ezifanayo kunye namava.
Cishe nayiphi na ishishini elenza inkonzo okanye linika iingcebiso ngokutshintshela umrhumo inokuthi ikwazi ukunyanzeliswa. Nasi umzekelo.
Isibonelo se-E & O Isimo
UPetros uqobo lwePerlessless Programming, inkampani encinane enika iinkonzo zeprogram zeekhompyutha kumashishini. Intsapho ivelisa iinkqubo zesoftware ezilungiselelwe ngamnye umthengi. Inkampani ikhushulwa yimbopheleleko phantsi komgaqo-nkqubo we- ISO jikelele . Iintanga ezingenasiphelo azikho iimpazamo kunye nokukhutshwa komsebenzi.
Phantse kunyaka owedlule, i-Peerless Programming yaqeshwa ukwenza ulawulo lwezinto zokulandelela kunye neenkqubo zokulandelela iHarry's Hardware, ikhonkco elincinci lezitolo ze-hardware.
Intsapho yayidala inkqubo kwaye ifakeka kwiivenkile. Umsebenzi wagqitywa ezintandathu kwinyanga edlulileyo. Ngoku uHarry's Hardware iye yamangalela ngokuqinisekileyo kukaPeter. Icala libiza ukuba inkqubo yekhompyutheni yenziwe yinto engasebenzisekiyo kuba izele izibugs. Kwakhona kuthethwa ukuba iNtsapho engaphelelanga yahluleka ukuvavanya ngokufanelekileyo inkqubo kunye nokuba ukunganakwa kwayo kwindleko kumawaka kaRarry amawaka eedola emsebenzini.
UHarry ufuna i-$ 100,000 kwiimbuyekezo ezihlawulelwayo .
Umgwebo kaHarry awunakwenzeka ukuba ugqitywe phantsi komgaqo-nkqubo we-Peerless Programming. Esinye into, ukuxhatshazwa kukaHarry kuyingozi yokulahlekelwa yimali. Inkampani ayifuneki umonakalo wokulimala komzimba , umonakalo wepropati okanye ukulimala komntu kunye nokuthengisa . Ngaphezu koko, ukulimala akubangelwa yinto ebonakalayo njengoko eli gama lichazwe kumgaqo-nkqubo. Ngaphandle kwenkcazo yomgwebo phantsi komgaqo-nkqubo wokuzibophelela ngokubanzi kwaye akukho mpazamo kunye nokukhutshwa komsebenzi wokungabikho komsebenzi, I-Peerless iya kubanjelwa ukuhlawula umonakalo okanye ukulungiswa kwipokoth. Kuya kubakho ukuhlawula nayiphi na iindleko zomthetho ezenzayo.
Iintlobo ze-E & O Policies
Iinkqubo ezininzi ze-E & O zilungelelaniswe kwiintlobo ezithile zeengcali. Ngokomzekelo, abakhi bezobugcisa kunye neenjini ze-E & O zijoliswe kwiingcali zoyilo. Ngokufanayo, amagqwetha enkqubo yobungcali yenzelwe amagqwetha, kunye nemigaqo-nkqubo yokunyanga kwamazinyo ejoliswe kumazinyo. Ukuba ifom ekhethekileyo yoshishino ayifumaneki, umshwalense angakunika i-E & O yokunika ingxelo ngokusebenzisa umgaqo-nkqubo wezopolitiko. Ifom ye-E & O engeyona i-E-O idla ngokuphindaphinda isetyenziselwa ukuqinisekisa abaqeqeshi "abangewona bendabuko" njengabacebisi, abameli beehambo kunye nabaphathi bezakhiwo.
Iimpawu eziqhelekileyo ze-E & O Policies
Iifom ze-E & O ezingabonakaliyo zihambelanisiwe, ngoko zihluka ukusuka kolunye uhlobo ukuya kwelinye, kwaye zivela kwi-insurer enye ukuya elandelayo. Nangona kunjalo, imigaqo-nkqubo inempawu ezininzi eziqhelekileyo.
Izibango ezenziweyo
Iipoliso ezininzi kunye nemigaqo yokuchithwa yenziwe ngamabango , oku kuthetha ukuba zibandakanya amabango awenziwe ngexesha lomgaqo-nkqubo. Ukuba ibango liyakutyalwa, kufuneka lenziwe ngokumalunga ne-insured ngexesha le-polisi.
Eminye imida yemida yokukhawulelwa kumabango ezenziwe kwaye zichazwe ngexesha lomgaqo-nkqubo. Oku kuthetha ukuba amabango ahlawuliswa kuphela xa ayenziwe ngokuchasene ne-insured kwaye abikelwe kumxhasi-mali ngelixesha lomgaqo-nkqubo.
Imigaqo-nkqubo emininzi ye-E & O icacisa umhla wokuhlaziya. Ukuba usuku lokubuyela emva luhlelwe kwiimemezelo zakho zomgaqo-nkqubo, umgaqo-nkqubo wakho ubandakanya amabango ngenxa yezenzo, iimpazamo okanye ukushiya okwenziwe ngomhla okanye emva kwaloo mhla.
Izibango ezibangelwa yimpazamo okanye ukushiya okwenziweyo ngaphambi kokuba umhla wokuhlaziya ungagqithwanga. Umhla wokubuyela emva kufuneka ube ngumhla wokuqalisa komgaqo-nkqubo wokuqala we-E & O owenziwe ngamabango. Kufuneka lihlale lilinganayo ngexesha ngalinye umgaqo-nkqubo wakho uhlaziywa.
Isiqinisekiso sokuqinisekisa
Umgaqo-nkqubo wakho unikezela uchazwe kwisivumelwano sokuqinisekisa . Esi sigatshana siqala ngokuthi "Siya kuhlawula." Isivumelwano esiqinisekisayo sisitatimende esichaza oko umgcini-mali othembisa ukukwenza ngokutshintshela i-premium. I-E & O yesivumelwano sokuqinisekisa isiqinisekiso sithetha into enje:
"Siya kuhlawula egameni lelahleko eliqinisekisiweyo ukuba umntu okhuselekile uya kuhlawuliswa ngokusemthethweni ukuba ahlawule nayiphi na ibango lokuqala elenziwe ngexesha lepolisi elivela kwisenzo esingalunganga."
Oku kuthetha ukuba i-inshurensi iya kuhlawula umonakalo okanye uhlawulelo olufunekayo ukuhlawula ngenxa yesibango esekelwe kwisenzo esingalunganga. Amagama athi "hlawula egameni" kuthetha ukuba umshwalima wakho uya kuhlawula le ndleko ngaphezu kokubuyisela.
Ixesha elibi eliqhelekileyo lithetha isenzo sokungahoxisi, isiphene okanye ukungaphumeleli okusolakala ukuba wenzayo xa wenza okanye ungaphumeleli ukwenza iinkonzo zengcali. Iinkonzo zobugcisa zingachazwa kwiingcaciso zomgaqo - nkqubo . Ngenye indlela, uhlobo lweenkonzo ezihlanganisiweyo lungachazwa kwiimpapasho. Umzekelo "iinkonzo zokubonisana ngeekhompyutha." Inkcazo yeenkonzo ezinokubaluleka kubalulekile kuba ikhetha iintlobo zemisebenzi efunyenwe ngumgaqo-nkqubo. Qinisekisa ukuba inkcazelo ibonisa ngokuchanekileyo iinkonzo zakho ezibonelela.
Khuselo
Esinye seziganeko ezibalulekileyo ezibandakanyeka kumgaqo-nkqubo we-E & O kukukhuselwa kwezokukhusela . Umgaqo-nkqubo kufuneka uchaze ukuba i-inshurensi iya kukukhusela amabango. Ukuba ukhuseleko alufihliwe, uya kubambelela ukuhlawula iindleko zokukhusela ngaphandle kwipokoth yakho. Ngokuxhomekeke kumgaqo-nkqubo, iindleko zokukhusela zingabhekiswa ngaphakathi okanye ngaphandle komda. Iindleko zokukhusela ibango zingabininzi. Ngaloo ndlela, umgaqo-nkqubo ojongene nokukhusela ngaphandle kwemida unikeza ukhuseleko olungcono.
Ezingabikho
Njengazo zonke iinkqubo ze-inshorensi , iifom ze-E & O ziqulethe izizathu. Nazi ezinye iimboniselo ezifumaneka kwiinkqubo ze-E & O.
- Imonakalo yokukhawuleza
- Ukungathembeki, izenzo zobuqhetseba okanye izenzo zobugebengu ezenziwa nguwe okanye omnye umshishino
- Izenzo ezingalunganga owaziwayo phambi komhla wokuqalisa komgaqo-nkqubo
- Izenzo ezingalunganga okanye amabango owakuboniswe phantsi komgaqo-nkqubo wangaphambili
- Ukulimala komzimba okanye umonakalo wepropati
- Iimbopheleleko zithathwa phantsi kwesivumelwano
- Iingxabano zemali
- Inzuzo oyizuzile ngokungekho mthethweni
- Ukungaphumeleli ukugcina i-inshorensi
- Ulwahlulo olusekelwe kubuhlanga, ngesondo, umbala, inkolo, njl njl.
- Ngco liseko
Lona alukho uluhlu olupheleleyo. Umgaqo-nkqubo wakho unokubandakanya izibonelelo ezingaphezulu.
Imida kunye nokugcinwa
Iimigaqo-nkqubo ezininzi ze-E & O ziqulethe umda ngamnye kunye nomda opheleleyo. Umda ngamnye unokufaka isicelo kwibango ngalinye okanye kwisenzo ngasinye esingalunganga. Imelela ininzi i-inshurensi iya kuhlawula umonakalo okanye iindawo zokuhlala ezivela kubango elinye okanye isenzo esingalunganga. Umda wecala liyona nto ininzi i-inshurensi iya kuhlawula yonke imonakalo okanye iindawo zokuhlala ezivela kuzo zonke izibango ezenziwe ngexesha lepolisi. Ukuba iindleko zokukhusela zixhomekeke kwimida, umda ngamnye kunye nemigangatho yemigangatho iya kuquka neendleko zokukhusela.
Ezinye iinkqubo ze-E & O ziquka ukugcinwa , uhlobo lokutsalwa. Ukugcinwa yimalini omele uyihlawule ephaketheni ngalinye kwibango. Ngokuxhomekeke kumgaqo-nkqubo, ukugcinwa kungafaka isicelo kumonakalo kuphela okanye kumonakalo kunye neendleko zamabango.