Umngcipheko wee-Lawsuits
Iinkampani ezininzi zibandakanya ubudlelwane bezoshishino namanye amafemu. Ngeli xesha ulwalamano olunokubaluleka lunokuba luncedo, luye ludale umngcipheko wezogwetho.
Enye inkampani inokuthi ibangele ingozi ngokulimaza umntu wesithathu. Iqela elenzakalisiweyo liphinde limangalele elinye okanye zombini iinkampani ngokulimala. Nazi ezinye izibonelo:
- I-Regal Realty i-Apex Apartments, indawo yokuhlala. Regal ukuqesha i-Prime Painting, ikontrakta yokupenda, ukupenda ingaphandle yinkimbinkimbi. Umsebenzi weNkulumbuso uhlambulula ukupenda kwipende xa ephosa ngepayipi kwibhakethi yepeyinti. Ipeyinti iyaphala, ibangela umlilo. Umqeshi wendlu efuphiweyo uyalimala ngumsi. Ubeka i-Premier to Painting kunye neRegal Realty ngenxa yokulimala komzimba .
- I-Foodancy Fancy isebenza kwivenkile kwisitolo sokuthengisa i-rents kwi-Buildings, Inc. ULisa uyothengisa esitolo xa i-tile ye-plail iwela entloko. ULisa walimala kwaye uvalela kokubili iiFancy Foods kunye neZakhiwo zeNkxaso-ntlawulo Inc..
- Izixhobo ezifanelekileyo zihambisa amafriji akhiqizwa ngeMveliso eSebenzi yaseKhaya. Umthengisi onokubonakalayo ubonakalisa umgangatho wefriji kumthengi xa iphaneli igxotha emnyango wangaphambili. USteve, umthengi, wenzakele ngepaneli ehambahambayo. Uyabambisana nabathengisi (i-App Able Appliance) kunye neMveliso eSebenzayo yasekhaya yokulimala komzimba.
Kule mizekelo ingentla, ukunganakwa okwenziwa yinkampani enye kuye kwabangela ingozi eyabangela ibango kwenye. Regal Realty, Buildings, Inc. kunye nezixhobo ezinokuzikhusela ziyakwazi ukuzikhusela ngokumalunga namabango ngokufuna ukukhutshwa njenge-insured eyongezelelweyo phantsi komgaqo-nkqubo wecala lomnye umntu.
Ukongezwa kweeNkxaso zeeNkxaso
Ukongezwa kwenkxaso-mali eyongezelelweyo ngokuqhelekileyo kunikezelwa ngokuvuma . Ezinye izimvume zizodwa. Bawugubungela umntu okanye inkampani efakwe kwisigqibo kuphela. Abanye banikezela ngephepha lokulala. Bawagubungela nabani na odibana nencazelo yee- insured ezongezelelweyo kwi-endorsement.
Uninzi olongezelelweyo oluqinisekisiwe lokubambisa i-insured lubonelelwe ukufihla iintlobo ezithile zeqela. Ngokomzekelo, ezinye zenzelwe i- landlords, ngelixa ezinye zibandakanya urhulumente okanye urhulumente wengingqi okhupha ilayisenisi okanye imvume. Kanti ezinye zijoliswe ekugubungeleni abanikazi beeprojekthi okanye iinkontrakthi eziqhelekileyo apho abanikazi bepolisi benza umsebenzi.
Abanye abatshutshisi basebenzise ukuvunyelwa okongezelelweyo okuqinisekisiwe okubanjwe yi- ISO . Abanye basebenzisa izibonelelo abaye bazihlakulela zona. Ngaloo ndlela, ukuvunyelwa kungahlukahluka. Ukubambisana okubini kunokubambisa abanikazi bezindlu njengabongezelelekileyo ama-insureds, kodwa omnye unokubonelela ngokubanzi kunomnye.
Naliphina i-coverage enikezelwa yinkampani yakho phantsi kwesongezelelo esongezelelweyo se-insured kufuneka ifake isicelo esisiseko . Okokuthi, ukuba ibango lifakwe kuwe elikhutshwe yi-endorsement, umgcini-mali we-policyholder kufanele ahlawule kuqala. Akufuneki ukuba uthembele kwipolisi yakho yokuzibophelela ekubambeni ibango ngaphandle kwaye ize kubekho ukukhutshwa kwe-insured yakho eyongezelelweyo.
Ezinye iinjongo zomthetho ziqulethe amagama agqubuthela ngokuzenzekelayo amaqela athile, njengabanikazi bezindlu okanye iikontraki, njengee-insureds ezongezelelweyo. Xa eli gama lifakiwe kumgaqo-nkqubo, akukho mvume efunekayo ukugubungela loo maqela.
Izivumelwano
Njengamashishini amaninzi, iqumrhu lakho lingaba nalo ubudlelwane bezoshishino kunye nenye inkampani. Ngokomzekelo, usenokuba uqeshwe ikontraka ukwenza umsebenzi, uqeshe isakhiwo kumqeshi, okanye utyatshiswe umatshini kumthengi. Ngenxa yokuba ubudlelwane obunjalo bungabangela ukugwetywa kwe-firm firm, kufuneka ufune enye inkampani ukuba igubungele ishishini lakho njengenye i-insured.
Imfuno yenkxaso-mali eyongezelelweyo kufuneka ichazwe ngokucacileyo kwisivumelwano sakho. Oku kubalulekile ngezizathu ezibini. Okokuqala, isivumelwano siza kubonelela ngokubhaliweyo kweminye imbopheleleko yenkampani kuwe.
Okwesibini, ezinye ezongezelelweyo zegama eliqinisekisiwe libonelela ngokukhawuleza kuphela xa i-insured status ifunwa yintrakthi ebhaliweyo . Xa eli gama lifakiwe kwi-endorsement, i-firm firm yakho ingenakunikwa inqaku elongezelelweyo le-insured ngaphandle kokuba isivumelwano sifuna oko.
Olunye ulwalamano lwezoshishino lunokufuna ukuba uqine ukuqinisa enye inkampani njengesiqinisekiso esongezelelweyo. Qiniseka ukuba ufunde isivumelwano ngokucokisekileyo ukuze uqonde uxanduva lwakho. Inkontileka akufanele ikwazi ukufikelela ngokubanzi kwi-insured kwinqanaba elongezelelweyo kunokuba lunikwe ngumgaqo-nkqubo. Kufuneka ujonge kwakhona imida kwipolisi yakho ukuqinisekisa ukuba anele. Ukuba ibango lifakwe kuwe kunye ne-insured eyongezelelweyo, nayiphina imonakalo ehlolwayo malunga ne-insured eyongezelelweyo inokunciphisa imida ekhoyo kwi-firm firm.
Ubungqina bomshuwalense
Ukuba iqela lakho liqeshe ikontraka elizimeleyo , qiniseka ukuqinisekisa ukuba ikhontrakthi uthenge i-inshorensi yemfanelo. Unxininise ukuba ikhontrakthi inikezele ubungqina benkxaso-mali ngesimo sesitifiketi se-inshorensi yemfanelo . Shayela i- arhente okanye umthengisi (okanye i-insurers ) efakwe kwisiqinisekiso sokuqinisekisa ukuba imigaqo-nkqubo ikhona.
Ukuba isivumelwano sakho sidinga ukuba enye inkampani ikugubungele njenge-insured eyongezelelweyo, funa ikopi yenkxaso yokuqinisekisa eyongezelelweyo. Buza i-arhente yakho okanye umthengisi ukuba ahlolisise ukuvunyelwa ukuqinisekisa ukuba ihlangabezana neemfuno ezichazwe kwisivumelwano sakho. Cela ummeli wakho ukuba ahlaziye kwakhona imvume.
Intsholongwane Yakho Yemfanelo
Ukuba iqumrhu lakho lihlanganiswe phantsi komgaqo-nkqubo wenkampani enye njengesiqinisekiso esongezelelweyo, ngaba unako ukuyeka i- inshorensi yemfanelo ? Impendulo ayikho! Ukuvunyelwa akukhathalani nomgaqo-nkqubo wokumisela. Ngokubanzi ihlanganisa i-insured eyongezelelweyo kuphela ngokumalunga nesakhiwo, iphrojekthi, imveliso, izixhobo njl njl. Echazwe ngokuvuma. Ayigqubuthele eyongezelelweyo inshorensi nayiphi na enye imisebenzi.
Njengoko ungezelelweyo, unikwe iibango ezivela kumntu ogqityiweyo wokunganakwa okanye ukunyaniseka okwenziwe ngokubambisana nawe kunye negama eliqinisekisiwe. Ubungqina obongezelelweyo obunikwe i-insured bungenakho ukubonelela ngokubhengezwa kweebango ezibanjelwe ukunganakwa kwakho kuphela. Ukukhusela inkampani yakho ngokumalunga namabango anjalo, kufuneka uthenge umgaqo-nkqubo.
Inqaku elihlelwe nguMarianne Bonner