Igatya leSigxina
Imigaqo-nkqubo yamashishini amaninzi iqulethe ukunikezelwa kwesigxina esifana nesifumaneka kwifom yeZakhiwo zeMpahla ye- ISO . Eli gatya lisebenza xa umgcini-mali wakho uhlawule ibango lomonakalo wepropathi okanye ukulahleka kwengeniso efunyenwe ngumgaqo wakho. Umhlathi uthi ukuba unelungelo lokufumana umonakalo komnye umntu, loo malungelo adluliselwa kwi-insurer yakho.
Ngokomzekelo, cinga ukuba uqhuba ishishini elibizwa ngokuba yi-Accounting Accounting. Inkampani yakho ihlawula indawo yeofisi kwisakhiwo esine-Prime Properties. Uqinisekise isiqinisekiso sakho seofisi phantsi komgaqo-nkqubo wepropati.
Inkampani ebizwa ngokuba yiClass Consulting ihlawula iofisi ecaleni kwakho. Ngenye imini kusihlwa umlilo ovalweni kwi-Classic Consulting. Umlilo usasazeka kwiofisi yakho, ukulimaza ii-desk ii-computer. Ngokutsho kwe-Fire Marshall, umlilo wawubangelwa ngumsila wesigarethi esityayo oshiywe kwinqwelo yokukhwabanisa kwi-ofisi ye-Classic.
I-inshurensi yakho yepropati ihlawula umonakalo kwipropati yakho. Emva koko uzama ukubuyisela imali ehlawulwayo ngokubheka i-Classic Consulting yomonakalo wepropati .
Ukuba ubungenayo i-inshurensi yepropati, okanye ukuba i-insurer yakho ingazange ihlawulwe ibango lakho, ubuya kuba nelungelo lokumangalela i-Classic Consulting yomonakalo wepropati.
Ekubeni i-inshurensi yakho ihlawulisa ngokulahlekelwa, ilungelo lakho lokumangalela i-Classic Consulting idluliselwa kwi-insurer yakho.
Ukukhuselwa kwamalungelo eSigxina
Imigaqo-nkqubo yepropati yokuthengisa ifuna ukuba ukhusele amalungelo akho yomshuwalense ukuba anqabise elinye iqela. Awukwazi ukuzikhethela ngokuzithandela elinye iqela le-xanduva okanye ukuphazamisa umgcini-mali unelungelo lokuphinda ibango lakhe.
Iimvume zokuvumela
Isigatshana esisezantsi sogunyaziso sikuvumela ukuba ukhulule amalungelo akho okuhlengahlengiswa ngaphambi kokulahleka . Ngaloo ndlela, ungasayina inkontileka apho uyavuma ukuyeka ilungelo lakho lokumangalela elinye iqela ngenxa yelahleko ezingenzeka kwixesha elizayo.
Isigatshana esisezantsi sogunyaziso sinokuvumela ukuba ukhulule ilungelo lakho lokumangalela elinye iqela emva kokulahleka xa enye inxaxheba yenye yezinto ezilandelayo:
- i-insured phantsi komgaqo-nkqubo wakho
- inkampani onayo okanye yokulawula
- inkampani ephethe okanye ekulawulayo
- ngumqashi wakho
Ngokomzekelo, cinga ukuba inkampani yakho, i-Accounting Accounting, ine-100% ye-Classic Consulting. Kule meko, inkampani yakho inokuyeka ilungelo layo lokumangalela i-Classic Consulting yomonakalo emlilweni kwipropati yakho emva komlilo.
IWundual Waivers
Inkontileka ezininzi ziqukumbela ngokubambisana.
Xa kuhlanganyelwene, amaqela avumelana ukukhupha amalungelo abo ukuba axosane. Ngokuqhelekileyo, ukuxoshwa kusebenza kuphela kwiilahleko ezigqitywe yinshurensi yepropati yoshishino.
Ngokomzekelo, cinga ukuba ishishini lakho, i-Accounting Accurate, isayine ukuqeshisa nomnini-mninikhaya, i-Properties Properties. Uyavuma ukuba i-inshurensi yepropati iya kuba ngumthombo oyintloko wokubuyisela umonakalo kwisakhiwo somnini okanye kwipropati yakho. I-inshurensi yepropati ingaba nomgaqo-nkqubo omnye (ukufaka isakhiwo kunye nepropati yakho) okanye imigaqo-nkqubo ehlukeneyo.
Cinga ukuba wena kunye ne-Prime Properties ngamnye uthengile umgaqo-nkqubo wepropati eyahlukeneyo. Iqeshiso iqulethe ukuxhaswa komthetho. Ngobunye ubusuku umenzi wekhofi ephosakeleyo kwindawo yakho yeofisi ubangela umlilo. Umlilo ubangela u-R10 000 umonakalo kwipropati yakho kunye ne-$ 50,000 kwingozi ekwakheni.
I-insurer yakho ihlawula ibango lakho kunye ne-Prime's insurer lihlawula ibango leNkulumbuso. Umnini-mnini wakho uye waxoshelwa ngamalungelo ayo okusola umonakalo wepropati ehlanganiswe yinshurensi yepropati. Ngaloo ndlela, umgcini-mali womnini-mhlaba unqatshelwe ukuba akufune ukubuyisela inkokhelo eyenziwe kwi-insured.
Unilateral Waivers
Abanye oonxibelelwano baqulethe ukukhishwa kwesigxina (single-side). Xa kuqulethwe kwisiqeshiso, ukuxhaswa komntu ongekho emthethweni kudla ngokuxhamla umninikhaya. Umnini-mhlaba ufuna ukuba umqeshi anqunywe ilungelo lakhe lokumangalela umninikhaya ngenxa yimuphi umonakalo umnini-mhlaba angabangela umnini-mpahla. Nangona kunjalo, umninikhaya unalo ilungelo lokumangalela umqeshi ukuba umonakalo umqeshi ubangele ipropathi yomnini womnini.
Masithi ukuba umqeshi wengozi wonakalisa ipropati yomnini. Umgcini-mali womnini-mboleki uyabuyisela kwakhona umninikhaya ngenxa yokulahlekelwa kwaye emva koko ufuna ukubuyiswa kwentlawulo yokulahlekelwa ngokumangalela umqeshi. Ukuba ungumqeshi, zama ukuphepha ukusayina iqeshiso equlethe ukukhutshwa komntu ongenamalungelo omhlaba.
Projekthi zoKwakha
Iindleko zokuhlengahlengiswa nazo ziqhelekile kwiikontrakthi ezibandakanya iiprojekthi zokwakha. Cinga ukuba abakhi abasebenzayo, inkontileka jikelele, ibonisa isivumelwano kunye ne-Prime Properties ukwakha i-ofisi entsha. Inkontileka iqulethe ukuxhaswa komthetho. Abakhi abasebenzayo baqeshisa zonke ii-subcontractors (zombane, ikhonkrit, umzobo njl njl.) Ezifunekayo kule projekthi. Inkontileka phakathi kwe-Busy kunye ne-subcontractors iqulethe ukudibanisa.
Kwizivumelwano zombini amaqela avumelana ukuba ahlukane namalungelo abo okutshatyalaliswa kwimeko ekulahlekelwa ngayo i-inshurensi yepropati yoshishino. Abakhi abasebenzayo bathengisa umgaqo-nkqubo wokubeka ingozi (uhlobo lomgaqo-nkqubo wepropati) obandakanya iphrojekthi yokwakha. Umgaqo-nkqubo uquka i-Properties Properties, Build Builders kunye nabo bonke abancinci njengama-insureds. Ukuba umlilo (okanye enye ingozi ehlanganisiweyo) ibangela umonakalo kwisakhiwo ngexesha lokwakheka, ilahleko kufuneka ifakwe ngumgaqo-mngcipheko wabakhi. Ukuba i-inshurensi ihlawula ibango, ayiyi kuzama ukubuyisela ukuhlawula ilahleko layo ngokuxhomekeka kwi-Prime Properties, Builders Busy okanye nayiphi na i-subcontractors.