Abaqeshi UkuLawulwa kweMfanelo
Masithi umqeshwa wakho walimala emsebenzini kwaye ubeka inkampani yakho ngenxa yokulimala komzimba . Ingaba i-suit izakukhutshwa phantsi komgaqo-nkqubo wakho wokuzibophezela ? Impendulo ngokuqhelekileyo ayikho. Umgaqo -A womgaqo-nkqubo uqulethe ukukhutshwa okusebenzayo kwiimpahla ezifanelekileyo zabasebenzi. Ukukhutshwa oku kubizwa ngokuba yi-exclusion responsibility . Ukukhutshwa kusebenza kwiintlobo ezimbini zeempahla:
- Naliphi na isitifiketi esichazela ukulimala komzimba kumqeshwa wakho, ukuba ukulimala kwenzeka ngexesha lokuqeshwa kwabasebenzi. Ngokomzekelo, uJack, umqeshwa wakho, ulimele emsebenzini. Uthenge umgaqo-nkqubo wokuhlawulela abasebenzi njengoko kufunwa ngumthetho. Nangona kunjalo, uJack ulahla inzuzo yeembuyekezo zeemisebenzi kwaye uyakukukhathaza ngokulimala komzimba.
- Naliphi na isityholo esichazela ukulimala komzimba kwintsapho ethile yomntu olimele ngenxa yokulimala komqeshwa. Ngokomzekelo, umfazi kaJack uyakunxusa ngenxa yokulimala komzimba. Uthi ukhulise i-migraine ikhanda ngenxa yokunyamekela umyeni wakhe olimele.
Nangona zikhutshwe ngepolisi yakho yemfanelo, izikhwama zabasebenzi zigqitywa phantsi koqwebo lwabaqeshi . Le nkcazo ifakiwe kumgaqo-nkqubo wokubuyisela abasebenzi phantsi kweCandelo lesiBili.
Ukungabikho kweMfanelo ebanjwe phantsi kweNkontileka
Ukungabikho kwemfanelo kwabaqeshi kwipolisi yakho yemfanelo iqulethe enye ibalulekileyo ebalulekileyo.
Ukuxothwa akusebenzi kwizakala zomzimba kumqeshwa wakho xa uthatha uxanduva lolo lwakhiwo phantsi kwesivumelwano. Ukulungiselela ukufaka isicelo, isivumelwano kufuneka sifumaneke njengesivumelwano-mali esiqinisekisiwe , njengoko eli gama lichazwe kumgaqo-nkqubo wakho. Ngamanye amagama, ukuba uthatha uxanduva lokulimala kwabasebenzi phantsi kwekhontrakthi ehambelana nenkcazo yesivumelwano esiqinisekisiwe , kufuneka ukhuselwe kuzo zonke izikhwama ezivela kuloo nxeba. Umzekelo olandelayo ubonisa indlela ikhefu isebenza ngayo.
Umzekelo
I-Classic Construction yikontrakta jikelele. I-Classic iye yaqashwa ngumnikazi wesakhiwo ukulungisa isakhiwo sezindlu. I-Classic Construction iqesha i-subcontractor, i-Pronto Painting, ukupenda ingaphandle yesakhiwo.
Abaqeshwa bePrainting Painting bangalimala ngelixa besetyenziselwa kwisakhiwo sezindlu. Ininzi yemithetho yembuyekezo yomsebenzi karhulumente evimbela abasebenzi ukuba bahluphe umqeshi wabo nje ngokuba umqeshi uye wabonelela ngenkonzo yokuhlawula imali. (Le mithetho iqulethe ezinye izinto , oko kutheni imigaqo-nkqubo yembuyekezo yabasebenzi ibandakanya ukukhutshwa komsebenzi wabasebenzi.)
Imithetho yembuyekezo yokusebenza ayinakuyithintela abasebenzi abalimele ukuba bangamangaleli umntu ngaphandle komqeshi. Ukwakhiwa kwe-Classic akufuni ukuboshwa ngabasebenzi abalimele bePrato Painting.
Ngaloo ndlela, iClassic ibandakanya isiqendu somvuzo kwisivumelwano. Eli gatya lifuna i-Pronto Painting ukuba ithathe uxanduva malunga naziphi na izimangalo ezichasene neClass Construction ezithe zavela kukulimala kwabasebenzi baka-Pronto, ukuba ukulimala kwenzeka ngelixa i-Pronto isebenza kwiprojekthi yezindlu. Ngamanye amagama, ukuba uMsebenzi woBuchule ulandelwa ngumqeshwa olimele we-Pronto Painting, i-Pronto (okanye umgcini-mali wayo) kufuneka akhokhe zonke iindleko ezihambelana namabango.
Cinga ukuba uJim, umqeshwa we-Pronto Painting, udweba udonga lwesakhiwo sezindlu xa ewela i-scaffold. UJim uyalimaza. Uqokelela iintlawulo zeembuyekezo zezabasebenzi aze aqeshe igqwetha. Igqwetha linceda uJim ufake ibango lokulimala komzimba kwiClass Construction. UJim ufuna imali enkulu. Uphikisana ukuba uLwakhiwo lweClassic lufanelekile ngenxa yokulimala kwakhe ngenxa yokuba aluphumelelanga ukubonelela indawo yokusebenzela ephephile.
Xa i-Classic Construction ithola isigwebo sikaJim, iyaqaphela isivumelwano sembuyekezo kwisivumelwano se-Pronto esisayinwe. Ekubeni i-Pronto Painting ithathwa uxanduva lweebango ezifana neBill, i-Classic ithumela ibango kwi-Pronto Painting.
I-Pronto Ukudweba phambili phambili kwibango layo. Isivumelwano esiphakathi kwe-Pronto Painting kunye neClassic Building sidibana nencazelo yesivumelwano esiqinisekisiwe phantsi komgaqo-mboleko we-contractor. Inkontileka ihlanganiswe ngenxa yesivumelwano esivumelekileyo (inkokhelo yesibambiso ) apho i-Pronto Painting ithathwa njengexanduva lokulimala komzimba kubasebenzi baka-Pronto egameni lomcwangcisi jikelele.
Umqeshi welizwe eliBini
Kulo mzekelo ukhankanywe ngasentla, i-Pronto Painting (okanye i-insurers) ihlawulise ukulimala kukaJim kabini. I-insto ye- insurer yempindiselo yabasebenzi besikhorensi ehlawulelwe izibonelelo zokuhlawula izibonelelo zabasebenzi ezinikwe uJim. I-insto ye-insto ye-insurer ihlawulwe iindleko ezihambelana nokugwetywa kukaJim malunga neClass Construction. La mabini mabango avela kwenzakalo efanayo.
Kwamanye amazwe uJim uya kufuneka ukuba abuyisele i-insurer yenkokhelo yembuyekezo xa umonakalo owamkela kwisigwebo sakhe sagqithisa isixa sembuyekezo yezibonelelo zabasebenzi. Ngokomzekelo, cinga ukuba uJim wathola i-$ 100,000 kwiingeniso zempindiselo zabasebenzi kunye ne-$ 200,000 kwimonakalo (okanye ukuhlaliswa). Amanye amazwe aya kufuna ukuba uJim ahlawule i-insurer ye-compensation insurer eyi-100,000 eyi-$ 000.
Eyongezelelweyo i-Insured
Ekugqibeleni, abanikazi bepropati, iikontraka kunye namanye amaqela aqeshe abambathisi abathandwayo abathandi ukuthembela kuphela kwisivumelwano sokubakhusela amacala okusesikweni ngabasebenzi be-subcontractor. Baza kufuna kwakhona ukuqinisekisiwe okongezelelweyo okuqinisekisiwe kumgaqo-mfanelo we-subcontractor.
Ngokomzekelo woKwakha woBuchule, iClass yayiya kufuna i-Pronto Painting ukuba ifake umgaqo-nkqubo we-Classic kwi-Pronto njenge- insured eyongezelelweyo . Njengesiqinisekiso ngaphantsi komgaqo-nkqubo ka-Pronto, iClass yayiya kubanjelwa i-Jim's suit. Ukungabikho kwemfanelo kwabaqeshi kumgaqo-nkqubo akuyi kusebenza kwiClassic ngoba uJim akayena umqeshwa weClass Construction.