Khusela Abantu Bakho Bangenzi-nzuzo, Imali, Nezinto
Ngoxa kungekho zimbini ezingenzi-nzuzo zifana kwaye akusiyo yonke into engenzi nzuzo iyakudinga i-inshurensi enye, kukho iintlobo ezininzi ze-inshorensi ezinokungaqwalaselanga.
Ukubandakanya udidi lwe-inshorensi kunye nokuhamba kwenkqubo yokubhala phantsi kukuxinzeleleke ngokwaneleyo.
Ezi nkcazelo zilandelayo ziza kukunika isihloko sokuqala nesigama sokwenza izigqibo ezinolwazi.
Abalawuli kunye namaGosa / iNkqubo yokuSebenza kwiNtsholongwane
I-D ne-O yiyona nkcazo eninzi inzuzo ibuza malunga nokuqala. Abalawuli abaphezulu kunye neenkokheli zebhodi ngamanye amaxesha bacinga ukuba iD & O yi-catch-all coverage ukukhusela inkokheli kuyo nayiphi na inkundla.
Enyanisweni, i-D & O (eyokuthi, kwihlabathi elingenzi nzuzo, ngokuqhelekileyo ifikeleleke kunye nemithwalo yemisebenzi yengqesho ) ininzi yenkxaso-mboleko yokulawula. Ikhusela ibhodi kunye neenkokheli kunye nentlangano ngokuchasene nezigwebo ezenzelwe 'izenzo ezingalunganga.'
Imigaqo-nkqubo ichaza 'izenzo ezingalunganga' ngokuhlukileyo, kodwa, okokuqala, isenzo esingalunganga sisiphulo seqela lobunkokeli okanye ukunyanzeliswa kwezibophelelo ze- trust . Inkqubo yoqeshiso yengqesho izisa inqaku le-EEOC (i-US Equal Employment Opportunity Commission) okanye ezinye izibango ezibandakanya ukuhlukunyezwa ngokwesini kunye nokuziphatha okubandlulula.
Imigaqo-nkqubo ye-D & O iyahlukahluka yinkampani. Uya kufuna ukuhlaziywa ukuqinisekisa ukuba umgaqo-nkqubo wenza oko ufuna ukuba wenze. Xa ungathandabuzeki, yenza umgca wenkcazo yenqubomgomo yomThetho ongalunganga kunye nohlu lwazo olungabonwayo. Ukuba ubona ukungabikho okwenza ube neentloni, cela ummeli wakho ukuba ufumaniswe njani ukukhutshwa ngaphandle kweD & O yeenkampani ezahlukeneyo okanye uhlobo oluthile lwenqubomgomo.
Intsholongwane Yobunjineli
Iinkampani zihlala ziquka iintlobo ezintathu zokubhengezwa kwiphakheji yokuzibophelela ngokubanzi. Ukwenza izinto zilula kwiingeniso, ininzi yabanikezeli bomshuwalense ziquka oku kulandelayo kwisiphakamiso se-inshorensi yemfanelo:
- Jikelele
- Uxanduva lwezakhono
- Ukusetyenziswa kakubi kunye nokuxhatshazwa
Umthwalo-jikelele ngumgaqo-nkqubo ojongana nokulimala komzimba okanye izibango zomonakalo wepropati. Uxanduva oluqhelekileyo luquka ukukhuseliswa kwamabango okwenzakala kunye neentengiso, ezifana nokuphulwa kwe-copyright.
Ukuba ufuna ukurenta indawo, fumana isivumelwano, ufumane inkxaso-mali, ube nesiganeko esikhethekileyo, okanye usebenze ngokubambisana nomnye umbutho, uya kucelwa ukuba unikwe ubungqina bomshuwalense jikelele.
Ubuxanduva bezobugcisa bunxulumene nombutho kwiinkonzo ezinokuthi ziqwalaselwe njengobungcali kwimvelo, nokuba uqesha abaqeqeshi abanelayisensi okanye cha. Ukuba unengcebiso, imfundo, izakhono zobomi, ukululekwa, okanye ukuphathwa kwecala kwimeko yonke, ngoko uxanduva lokuqeqeshelwa.
Ukuxhatshazwa kunye noxanduva lokuxhatshazwa kwenzelwa ukukhusela kwaye, ukuba kuyimfuneko, kubanga imali yokuhlawula izigwebo ezibandakanya ukusetyenziswa kakubi kunye neziganeko zokuxhatshazwa. Ezi zibango zingaba ngumphumo wesityholo esivela kumxhasi malunga nomqeshwa, umvolontiya okanye isenzo sokusetyenziswa kakubi.
Kananjalo kungabangela ukunyamekela okubangelwa ngumthengi okanye ukusetyenziswa kakubi komfundi okanye isiganeko sokuxhatshazwa.
Ezi zibango zihlala zingabandakanywa ngokucacileyo kwimigaqo-nkqubo yemfanelo kunye neyengcali. Ukuba ukhonza ulutsha, abadala, abakhubazekileyo, okanye ngenye indlela bahlawuliswa ngokunceda abantu abahlelelekileyo, kufuneka uqwalasele le ngxelo.
Abasebenzi beMbuyekezo okanye iNgcshurensi yengozi
Ezi zibaluleka zibalulekile kuba zijongene nokulimala kwimpahla yakho yabantu - abasebenzi bakho kunye nabasebenzi bokuzithandela. Abasebenzi baqulunqa imithetho ihluka ngokubanzi ngurhulumente. Wena, njengomqeshi, kufuneka uphando ngemithetho yakho yomgaqo-nkqubo ukuze uqinisekise oko kuyimfuneko
Inxephezelo yabasebenzi ihlawula iindleko zonyango, ukukhubazeka kunye nokufa kwabasebenzi abalimele. I-inshurensi yengozi yomshuwalense ihlawula ukulimala kancinci kumavavolontiya abanikela ngexesha labo nobuchule kwiziko lakho.
Ukulimala kwamavolontiya kungabhekiswa kumgaqo-mgaqo-jikelele wokunyaniseka (ngaphandle kokuba kukho ukukhutshwa kwevolontiya eyongezelelweyo). Sekunjalo, umgaqo-nkqubo wengozi wokuzithandela unokukunceda ukukhusela amava akho amabango amaninzi ngokubamba amavavolonti amancinci.
Uxanduva oluqhelekileyo aluyi kubonelela ngengozi kubasebenzi.
Ininshurensi yePropati
Uninzi oluncinci olungenzi-nzuzo alinalo kakhulu kwipropati yeshishini. Oko kwathiwa, ezinye zezona zibango ezibi kakhulu ndizibonayo zihlobene nepropathi: iipayipi ziyaqhaqhafisa eofisi, isivunguvungu, umlilo, isichotho somonakalo, ukweba, nokuchithwa kwempahla. Ukuba unayo nayipropati ebalulekileyo kwintlangano yakho, nceda ugcine ingqalelo yomshuwalense yendawo.
Insurance Insurance
Nangona i-nonprofit yakho ingenayo isithuthi, qwa lasela ukubandakanya abasebenzi abaqashiweyo / abangabanikazi. Ukuba unayo imoto, ufuna umgaqo-nkqubo wentengiso.
Umthwalo ongekho-mali ongekho-mali unikezela ukukhuselwa kwemfanelo kwintlangano xa umntu usebenzisa isithuthi sakhe kwimisebenzi enxulumene nokungenzi nzuzo: ukuqhuba izinto, ukuthutha abathengi, njl njl.
Njengoko sonke sisazi, i-inshurensi yemoto mhlawumbi iyona nto isetyenziselwa kakhulu i-inshorensi. Izingozi ze-Auto zenzeka ngexesha lonke. Cinga ngeendlela ozikhethayo xa uthetha kwi-arhente yakho.
Ukungathembeki kwabasebenzi
Kwakhona kwaziwa ngokuba ulwaphulaphulo-mthetho okanye ulwaphulo-mthetho, ukunyaniseka kwabasebenzi kunceda ukufaka imali endaweni ebiwe ngumqeshwa. Inkontileka ezininzi zikamasipala okanye izibonelelo zeziseko zifuna ukungenzi inzuzo ukuba le nkonzo ifumaneke. Ngokuqhelekileyo, olu hlobo lobuqhetseba luqhutyelwa ixesha elide kwaye, xa lufumene, lubangele ukungathembeki phakathi kwezinto ezingenzi nzuzo kunye noluntu.
Ukuxhaswa ngokwayo kuthatha indawo yokutshintsha imali ebiwe. Kodwa okubaluleke ngakumbi, imigaqo-nkqubo yokulawulwa kwengozi omele uyibeke kuyo ukufumana ukukhuselwa kuya kunceda ukukhusela kwisiganeko esenzekayo.
Uxanduva lweCyber
Le nkcazo ifumana ezininzi izibhengezo ezi ntsuku kunye neenkcukacha ezininzi zokurhweba kwedatha. Iingeniso-nzuzo ziyakwazi ukufumana ubusela be-cyber lula. Iinkonzo ezingenzi nzuzo zentlalo zinomngcipheko omkhulu kunokuba ziyazi.
Idatha yomnikeli, idatha yedatha, idatha yabaxumi bemfihlo, kunye nokunye okunokufikelela kwiinkonzo zekhompyutheni ezingenzi-nzuzo, ii-desktops kunye nee-laptops. Sinezibango apho abasebenzi bezentlalo banakho iiptops zabo ezibiwe. Luhlobo luni lwazi olunokuba isela lingayifumana xa lithatha i-laptop yakho? Ukugqithisa kwakhona kudibanisa ukukhutshwa kwamaphepha ephepha.
Ukuzikhusela: Ulwazi olukule ndawo lukhokelo, iingcamango, kunye noncedo kuphela. Xa ungathandabuzeki, soloko ufuna isiluleko sezomthetho okanye uncedo oluvela kwi-State, Federal, okanye kwi-Rural resources resources.