Umsebenzi woKhusela phantsi kweCGL
Amashishini amaninzi amancinci ayazikhusela ngokuchasene nezigwebo ezinxulumene nentetho ngokuthenga umgaqo-nkqubo wokuzibophelela .
Imigaqo-nkqubo yamatyala amaninzi isekelwe kwifom ye- ISO Commercial General Liability Form (CGL). I-CGL inikezela ezimbini iintlobo zenkxaso-mboleko yecala lesithathu: Umgangatho A, ukuLawulwa kweBhodi kunye nokuLawulwa kweMpahla kunye nokuPhathwa kweB, Ubuntu kunye noKhuseleko lweNtengiso . Ngalunye lwezi zibonelelo ziquka umsebenzi wokukhusela.
Umlinganiselo A usebenza kumonakalo onyanzelekile ngokusemthethweni ukuhlawula ngenxa yokulimala komzimba okanye umonakalo wepropto obangelwa yinto . Isivumelwano esiqinisekisayo sicacisa ngokucacileyo inyanzeleki yokukhusela. Ithi umshwalense unelungelo kunye nomsebenzi wokukukhusela (okanye nayiphi na i-insured) nayiphi na i-suit efuna ukulimala ngokulimala komzimba okanye umonakalo wepropati.
Ubungakanani B busebenza kwiimpahla ezifuna ukulimala ngenxa yengozi yomuntu siqu kunye nokukhangisa okubangelwa yicala elikhuselekile. Umshuwalense unelungelo kunye nomsebenzi wokukukhusela nantoni na ukufuna loo monakalo.
Qaphela ukuba umshuwalense akabophezelekanga ukukukhusela kuzo zonke izicelo. Akukho mfanelo yokukhusela wena okanye nawuphi na umfaki-nkonzo onokubangela umonakalo wokulimala komzimba, umonakalo wepropati okanye ubungozi bomntu siqu kunye nentengiso engagqitywanga ngumgaqo-nkqubo.
Injongo yokuKhusela iCandelo eliSebenzayo lokuMisela
Njengoko kuchazwe ngaphambili, umgcini-mali wakho unembopheleleko emibini phantsi komgaqo-mfanelo: ukuhlawulela nokukhusela.
Umbopheko wokubophelela ukukhusela wena uhlukile kumsebenzi wokuhlawulela. Okokuthi, umshwalense kufuneka akuhlawulele (uhlawule umonakalo okanye iindawo zokuhlala) kwaye kufuneka unikeze ukukhusela kumacala okugweba ahlanganiswe ngumgaqo-nkqubo.
Ngokomzekelo, cinga ukuba unayo isitolo se-hardware. UMthetho oYilwayo, umthengi, wenzakaliswe kakubi xa kukho intonga yepeyinti ewela kuye evela eshedlufini. Yilwayo iifayile zetyala malunga nenkampani yakho. I-suit yakhe ibanga ukuba ukulimala komzimba ayenzileyo kwindawo yakho kubangelwa yingozi (ukuwa kwamathangi okupenda) obangelwa ukunganakwa kwakho. UMthetho oYilwayo uye wafaka ifowuni efuna umonakalo wokulimala komzimba okanye umonakalo wepropati obangelwa yinto . Kucinga ukuba ukulimala kwakhe kwenzeka ngelixa umgaqo-nkqubo wakho wokuzibophezela wawusebenza (kwaye oko kwenzekayo kwintsimi yokubhengezwa ), umgcini wakho womshuwalense kufuneka akukhusele ngokuchasene noBill.
Cinga ukuba uBill ufuna i-$ 50,000 kwimonakalo. Ingaba wakho umshuwalense unokukhawuleza athumele uBill isheke kwi $ 50,000 kwaye uvale ifayile yayo? Impendulo ayikho. Umshuwalense wakho kufuneka enze uphando olupheleleyo lwebango. Kumele izalisekise uxanduva lwayo lokukukhusela de kube umonakalo okanye uhlawulelo luhlawulwe.
I-inshurensi ilungelo lokulawula ukhuseleko lwakho
Umgaqo-mboleko wenkonzo unikezela umgcini-mali umthwalo kunye nelungelo lokukukhusela.
Ngenxa yokuba unelungelo lokukukhusela, umkhushurensi ulawula ukukhusela kwakho. Iyanquma isicwangciso siphi isicwangciso sokukhusela kunye nesiphi isigqwetha esiza kubelwa kwimeko yakho. Umgcini wakho womshuwalense ugqibe kwakhona ukuba anike ummangali umhlala-phantsi okanye aqhubeke nesilingo.
Kwimodeli yesitoreji se-hardware ekhankanywe ngasentla, cinga ukuba umntakwabo wakho (Tom) ungummeli. Uxelela umgcini wakho womshuwalense ukuba ufuna uTom ukuba aphathe ukhuselo lwakho kwaye ukuba uTom uzakuthumela i-inshurensi ibhaso kwiinkonzo zakhe xa isisombululo siphendululwe. Ngaba i-insurer yakho iyavumelana nalo lungiselelo? Hayi! Umshuwalense wakho akayi kukuyeka ukulawula ukukhusela kwakho komnye umntu.
Khawuthethe ukuba uTom ukholelwa ukuba uBill uyalimaza ukulimala kwakhe kwaye ufake ifowuni yamanga. UTom unxusa ukuba ulwe nebango kunokuba ulungise. Umshuwalense wakho ufuna ukuhlawula iindawo ezincinane zokukhusela iindleko zokuphikisana nesazisi.
Ngaba unokumisa i-inshurensi yakho ekuhlaleni ibango? Impendulo ayikho. Umshuwalense wakho unokulawula ukukhusela kwakho kwaye unokuhlawula ibango ngaphandle kwemvume yakho.
Iindleko zoKhuselo azixhomekeke kwimida
Ngaphantsi kwemigaqo-nkqubo enoxanduva jikelele, iindleko ze-inshurensi ezithintelayo ukukhusela ukuba zikhutshwe njengeeNtlawulo ezongezelelweyo . Ezi ndleko azikho phantsi kwemida yomgaqo-nkqubo. Kwezinye iimeko, umrhumo wakho umrhorensi ohlawula ukukhusela kuwe kumgwebo ungadlulela kwisixa esihlawula kumonakalo okanye ukuhlawula. Ezinye izimangalo zenza iindleko zokukhusela kuphela.
Umsebenzi oBanzi woKhusela
Umsebenzi we-inshurensi wokukhusela ubanzi ngaphezu komsebenzi wayo wokuhlawulela. Ngokuqhelekileyo, i-insurer yakho kufuneka inikezele ukukhusela ukuba izibango kwisikhalazo zifunyenwe nesivumelwano sokuqinisekisa kwipolisi. Umshuwalense kufuneka akukhusele nangona ukholelwa ukuba ibango alinakukhutshwa ngenxa yokukhutshwa okanye ezinye izibonelelo zomgaqo-nkqubo. Kufuneka iqhubeke nokubonelela ukukhusela kude ikwazi ukubonisa ukuba ibango alinakukhutshwa.
Ngokomzekelo, cinga ukuba uqeshe umqeshwa ogama linguSandy. Umnxeba unobungozi emsebenzini kwaye uzimisele ukuba uqine ukulimala komzimba. Ufuna imali engama-50,000 kwiimali ezihlawulelwayo . Uyithumela ibango likaSandy yakho yomshuwalense. Umgcini wakho womshuwalense ukholelwa ukuba uSandy unelungelo lokuba ngumqeshwa kwaye ngenxa yoko, ibango lakhe alinakunyulwa nge-" abaxanduva lwabaqeshi " ngaphandle kwenkqubo yakho. Uthi uSandy akayena umqeshwa kodwa unkontileka ozimeleyo , ngoko ukukhutshwa akusebenzi. Umshuwalense wakho kufuneka aqhubeke ekukhusela uze umcimbi weSandy usombululwe. Ukuba inkundla inquma ukuba uSandy ungumqeshwa, umgcini wakho womshuwalense angeke ahlawule nayiphi na umonakalo. Nangona kunjalo, kuya kufuneka uhlawule ukhuseleko lwakho.
Isigwebo esicacisayo okanye ukuLondolozwa kwamalungelo
Xa wena kunye ne-inshurensi yakho ingavumelani nenye into enomgaqo-nkqubo wakho womshuwalense , wena okanye wakho umshwalense unokucela isigwebo esichazayo . Isigwebo sokugweba sisigqibo enkundleni malunga nomba wengxabano. Isigqibo senkundla sibophelela wena kunye nomshuwalense. Wena okanye wakho umshwalense unokufuna isigwebo sokuvakalisa ukuba uthe, awuvumelani nokuba umshwalense unomsebenzi wokukukhusela.
Kubabatshizi-mboleko, enye indlela eya kumgwebo wokuvakalisa ukubhalwa kwamalungelo . Ileta ithunyelwa ngumgcini-mali kumnini-nkqubo. Ukugcinwa kwamalungelo ngokuqhelekileyo kuchaza ukuba umgcini-mali uya kukhusela ibango kodwa ukuba unelungelo lokukhanyela ukukhutshwa kwazo zonke okanye inxalenye yebango esikhathini esizayo. Ukuba ufumana unobumba lwamagama obhaliso, incwadi ye-declination mayilandele ngokukhawuleza.