Yiyiphi i-Insured eyongezelelweyo?
I- insured eyongezelelweyo yinkampani ehlanganiswe phantsi komgaqo-nkqubo wakho wemfanelo ngenxa yokuba unxulumene nezoshishino kunye nawe, kwaye olo dlelwane lenza ukuba yena angenelele ekugwebeni.
Izenzo ozithathayo, okanye ukuhluleka ukuthatha, ngelixa uqhuba ibhizinisi lakho lingavelisa amabango kuye.
Ngokomzekelo, uJim ungumnikazi we-Optimum Organics, inkampani eyenza isichumisi se-organic fertilizer. IBhete inobunikazi bendawo yokutya ebizwa ngokuba yiBountiful Blooms. I-Beth's firm is a distributor of Optimum Organics 'fertilizer. UBeth uyazi ukuba isichumiso esithengisayo singalimaza umthengi okanye ukulimaza impahla yomthengi. Ukukhusela yakhe inkampani kwiimangalo zeemveliso , iBheth idinga ukuba uJim aqinisekise ukuba inkampani yakhe ityala. I-Bloom eninzi i-insured eyongezelelweyo phantsi kwe-Optimum Organ 'general responsibility policy.
Ukuvunyelwa Kwangadingeka
Ezinye iinjongo zomgaqo-nkqubo ziquka iilwimi ezithintela ngokuzenzekelayo amaqela athile, njengabanikazi bezindlu, njengee-insureds ezongezelelweyo. Ukuba umgaqo-nkqubo awubandakanyi olu lwimi, i-insureds eyongezelelweyo ingafakwa kwipolisi yakho ngokuvuma . Uhlobo lwesigunyaziso sakho esisetyenziselwa ngumshuwalense luya kuxhomekeka kubuhlobo phakathi kwakho kunye ne-insured eyongezelelweyo.
Ukuba i-insured eyongezelelweyo ngumnini-mnini-mhlaba wakho, umgcini-mali uya kuthi asebenzise i-endorsement egubungela abancinci bendawo . Ukuba i-insured eyongezelelweyo ngumthengisi othengisa umkhiqizo wakho, umkhushurensi uza kusebenzisa ukuthengiswa kwabathengisi .
Ulwimi lokuBamkela luchaza uMyinge
Ubungakanani bokubhengezwa kwenkxaso-mali eyongezelelweyo phantsi komgaqo-nkqubo yakho kuxhomekeke kwilwimi equlethwe ukuvuma.
Abaninzi batshorensi basebenzisa ukuvunyelwa okungekho mthethweni okuqinisekisiwe okunikezelwa yi- ISO . Abanye bazidala zabo iziqinisekiso. Kukho nawuphi na umzekelo, ukuvuma kuya kunqanda ukukhawulwa kwamabango avela kwimisebenzi yezoshishino kunye okanye kwi-insured eyongezelelweyo. Okokuthi, ukuvuma kuya kunciphisa umgca wokubhengezwa kwiimangalo ezivela kwipropati oyiqeshisayo, umveliso oyithengisayo, okanye umsebenzi owenzayo.
Umzekelo
Cinga ukuba ungumnini weeNkonzo zeRhafu eziThusayo. Usanda kusayina isivumelwano sokuqeshisa indawo kwisakhiwo soshishino. Inkontileka idinga ukuba ungeze umninikhaya wakho omtsha, izakhiwo ze-Inc, kumgaqo-nkqubo wakho wokuzibophezela njengesiqinisekiso esongezelelweyo. Izakhiwo zifuna ukuqinisekisa ukuba ziya kugutyungwa phantsi komgaqo-nkqubo wakho xa ulimaza umntu ngengozi okanye umonakalo kwipropati yomntu ngelixa usebenzisa indawo yakho yokuqashisa, kwaye izakhiwo zithathwa njengesiphumo.
I-inshurensi yakho iphakamisa i-endorsement yokongeza ii-Buildings Inc. kumgaqo-nkqubo wakho. Ngenxa yokuba izakhiwo ngumnini-mnini-mhlaba, umda wokunika inkxaso wokubhengezwa kwiimangalo ezichasene nezakhiwo ze-Buildings Inc. ezivela ngaphandle kobunini, ukugcinwa okanye ukusetyenziswa kwendawo yesakhiwo esiqeshwe kuwe. Izakhiwo Inc. i-insured kuphela kwisakhono sayo njengomnini wezindlu.
Kungoku unyaka omnye kamva kwaye uBill, umthengi wakho, uhambele iofisi yakho. Uhambo lwaBill kwaye luwela kwisiqwenga sokudonga kwindonga-nodonga, ukuphula umlenze wakhe. UBill emva koko ufunda ukuba ingxaki yephepiti ikhona ngeenyanga. Ukwazisa izakhiwo zengxaki kodwa umnini-mhlaba wakho akazange afike kuyo ukuze alungise. Awuzange uthathe amanyathelo, afana nokugubungela i-taptile ephathekayo enefenitshala yefenitshala, ukukhusela umntu ukuba angabikho. Yilwayo iifayile zetyala elifuna umonakalo wokulimala komzimba. Amagama afanelekileyo kunye nawe kunye nezakhiwo ze-Buildings Inc. njengabagwebi.
Ngenxa yokuba ingozi yavela ekusebenziseni kwakho indawo echanekileyo yeofisi, umgaqo-nkqubo wakho wemfanelo kufuneka ubhalele ibango. Njengesiqinisekiso ngaphantsi komgaqo-nkqubo wakho, iiZakhiwo zeNkampani kufuneka zifakwe kwi-share share of the damaged award to Bill. I-insurer yakho kufuneka ihlawule iindleko zokukhusela izakhiwo; ezi ndleko akufanele zinciphise umda wakho womgaqo-nkqubo.
Izakhiwo Inc. unelungelo lokufihla ixesha elide njengoko lizalisekisa imisebenzi eyenziwe kuma-insureds phantsi komgaqo-nkqubo wakho. Ngokomzekelo, iiZakhiwo zeNkampani kufuneka zisebenzisane ne-insurer yakho xa iphanda ibango leBill.
Ukwabelana ngemida yakho yeMigaqo
Kubalulekile ukuqonda ukuba iiZakhiwo zeNkampani kunye nayiphi na enye inshorensi eyongezelelweyo equkethwe kwipolisi yakho iza kubelana nemida ebekelwe yona phantsi komgaqo-nkqubo wakho . Cinga ukuba umgwebo weBill ukhokelela kuma-25,000 ama-dollar kumonakalo, kwaye inkundla inyanzela wena kunye neZakhiwo zihlawula i-$ 12,500. I $ 25,000 kwimonakalo iya kuxhomekeka kumlinganiselo "wokuvela nganye" . Kuya kuyanciphisa umda wakho "jikelele." Lo mda umele inani leminshurensi elisele lihlawule umonakalo ngenxa yengozi okanye umonakalo owenzeka ngexesha lakho lomgaqo-nkqubo.
Ukunyanzeliswa kwemvume
Kwiminyaka yakutshanje, izithintelo ezintsha zongezwe kwiimvume ezongezelelweyo ze-insured. Uninzi lweemvume luyeke umda wokubhengezwa kwiimangalo ezithintela ukulimala okanye umonakalo obangelwa ngokupheleleyo okanye ngenxalenye ngezenzo okanye ukushiywa kwegama eliqinisekisiwe. Akukho nkonzo yokubonelelwa kwenzelwe imisebenzi eyenzelwe kuphela kwi-insured eyongezelelweyo.
Ngokomzekelo, cinga ukuba i-Buildings Inc. iqesha i-Peerless Piping, ikontrakta yamanzi, ukufaka iipayipi ezintsha zokuhambisa amanzi ngaphandle kweofisi ze-Buildings Inc.. Izakhiwo zifuna i-Peerless Piping ukuqinisekisa ii-Buildings Inc. njenge-insured eyongezelelweyo phantsi kwe-Peerless 'mfanelo yenkqubo. Umshurensi ongenamalungu angenayo ungeze i-insured eyongezelelweyo yokubhengezwa kwi-Peerless 'policy responsibility. Ukuvunyelwa kuqulethe umqobo okhankanywe ngasentla. Ngenxa yesithintelo, izakhiwo zityalwa kuphela xa ibango liphumela kwinto ethile eyenziwa yi-Peerless Plumbing, okanye kwinto ethile yokuziCoca kunye neZakhiwo ezenzileyo. Ukuba izakhiwo zithatyathwa into ethile ezakhiweyo zakhiwo kuphela, ibango aliyi kuguqulwa. Lo mda kudlalwa ngokubhekiselele ekukhutshweni kokunganaki . Akubandakanyi ukubhengezwa kokunyaniseka okubanjelwe kuphela kwi-insured eyongezelelweyo.
Ekugqibeleni, ukuqinisekiswa okongezelelweyo okuqinisekisiwe okubandakanya iI Buildings Inc. phantsi komgaqo-mboleko we-Peerless Plumbing uqulethe umqobo. Ibeka umda wokubhengezwa kwizenzo okanye ukushiya okwenziwe kwindlela yokuqhubeka kweekonkontrakthi zokuqhubela phambili kwiZakhiwo. Ukuba iiZakhiwo zeNkampani zihlawuliswa ngenxa yengozi eyenzeka emva kokuba i- Peerless iqedile umsebenzi wokuphalaza, izakhiwo aziyi kuhlanganiswa phantsi kwe-insured eyongezelelweyo u kuvunywa.