Ziziphi ii-Abenzi Bashishini Amele bazi Nge-Intshuwalense yeNtlawulo
Ngubani ofuna iIninshurensi yeNtlawulo yeNtlawulo?
Kungenzeka ukuba wenza njalo, njengoko siphila kwiindawo ezixelisayo.
Ii-premiums zonyaka zivela kwi-$ 750 ukuya kwii-2,000 zamawaka ngokuxhomekeke kumgca wakho wezoshishino kunye neemfuno zokukhawuleza. Ngokuqinisekileyo kuninzi kakhulu kunamawaka, ukuba kungabikho izigidi, zeerandi ongadinga ukuchitha ukulwa necala lakho enkundleni.
Inkonzo yomshuwalense kawonkewonke inokuthengwa yodwa, kodwa ingafakwa njengenxalenye yoMgaqo -nkqubo weNkampani yeBhizinisi (i-BOP) ephethe i-inshorensi yemfanelo kunye nepropati kumgaqo omnye. Ukuba unayo i-BOP, jonga ukuba ubone ukuba imithwalo yakho yomyinge yomyinge. Unokufumanisa ukuba iphantsi, apho ungadinga ukukhutshwa okongezelelweyo ngepolisi eyahlukileyo.
Ingaba i-LLC ifuna Inyuniti Yobunzima Yesekhaya?
Wena, njengomnini-shishini, unokubanjelwa uxanduva ("uxanduva") kwizinto ozenzayo ngenkathi uqhuba umsebenzi ngenxa yenkampani yakho ejongene nemfanelo. Umzekelo, i-LLC yakho ayiyi kukukhusela ukuba:
- Ulimaza umntu
- Wena ngokuqinisekileyo uqinisekisa umboleko weshishini okanye ityala
- Awukwazi ukulawula iirhafu zeshishini ngokuchanekileyo
- Usebenze ngendlela engacinangalelwa okanye engekho mthethweni
- Kunokuba uphathise inkampani yakho njengeshishini elihlukeneyo loshishino, udibanisa ishishini kunye neakhawunti okanye iindleko
Iintlobo ze-Intshumo yoTywala
Kukho iintlobo ezininzi ze-inshorensi yemfanelo yoshishino.
Funda kabanzi malunga noku kulandelayo:
Inkonzo Yomshuwalense Jikelele: Le fom ye-inshorensi yemfanelo yoshishino yinkampani enkulu yokukhusela ukukhusela ibhizinisi lakho ukusuka: amabango okulimala, umonakalo wepropati kunye namabango okuthengisa. Injhorensi yemfanelo kawonkewonke eyaziwa ngokuba yi-General General Accountability (CGL) ingaba yedwa uhlobo lwe-inshorensi yemfanelo yoshishino oyifunayo kuxhomekeke kwimeko yakho yezoshishino.
Njengokuba kukho iinjongo ezininzi ze-inshorensi, umgaqo-nkqubo uza kubeka umlinganiselo wemali ephezulu yenkampani yomshuwalense iya kuhlawula ibango lebango. Ngoko, ukuba ishishini lakho elincinci lihlawuliswa ngama-$ 250,000 kwiindleko zonyango ezinxulumene nokulimala okubangelwa yengozi yomsebenzi, kunye ne-$ 100,000 eyongezelelweyo kwimirhumo yomthetho, kodwa iifowuni zakho zokukhawuleza zihamba nge $ 300,000, ngoko unembopheleleko yokuhlawula u-$ 50,000. Qinisekisa ukuba ubala ukukhutshwa kwakho kwaye ukhethe umyalezo ozakukhusela.
Ininshurensi yeNtlawulo yeNkcazo: Abanini-shishini abanikezela ngeenkonzo baya kufuneka baqwalasele ukuba ne-inshorensi yemfanelo yecandelo elibizwa ngokuba yi "mpazamo kunye nokushiya" Olu khuselo lukhusela ishishini lakho ngokuchasene neziphene, iimpazamo, ukunganaki nokushiya. Ngokuxhomekeke kwintsebenzo yakho, okanye inkontileka yomntu ngamnye, inokuba yimfuneko esemthethweni ukuba ithwale loo mgaqo-nkqubo.
Oogqirha badinga ukukhutshwa ukusetyenziswa kwiindawo ezithile. Abacebisi bezekhnoloji bahlala befuna ukuhanjiswa kwindlela yokusebenza yontrakhontrakta.
Umshuwalense weNtlawulo yeMveliso : Amashishini amancinci athengisa okanye iimveliso zokhuseleko kufuneka akhuseleke xa umntu enokulimala ngenxa yokusebenzisa le mveliso. Isixa sokubhengezwa kunye nenqanaba lomngcipheko kuxhomekeke kwindlela yoshishino lwakho. Umthengisi weempahla zecrapbook kuzoba nemngcipheko ophantsi kunokuba ngumakhi wesitofu somthi.