Ukwahlula kunye nokuHlola
Ngaphantsi komgaqo-nkqubo wokubuyiselwa kwabasebenzi, inkampani yakho ibelwe enye okanye izigaba ezininzi ngokusekelwe kwintlobo yeshishini osebenzayo.
Umzekelo, ukuba usebenzisa ivenkile elithengisa i-hardware kumakhasimende athengisa abathengi, ibhishini lakho linokuhlulwa njenge-store hardware store. I-premium oyihlawulayo yokuxhaswa kwembuyekezo yabasebenzi ixhomekeke kwizigaba ezisetyenzisiweyo, umyinge ohlawulwe ngokuhlelwa ngamnye, kunye nomvuzo ohlawula abasebenzi bakho (umvuzo). I-premium yakho inokuchaphazeleka ngethuba lokuguqula amava , elibonisa amava akho angaphambili amabango.
Phantse kuwo onke amazwe, amaxabiso okuhlawula abasebenzi, ukuhlengahlengiswa , iifomu zomgaqo-nkqubo kunye neminye imiba enxulumene nembuyekezo yemisebenzi ilawulwa liziko leembuyekezo zokusebenza kwabasebenzi baseburhulumenteni. Nangona kunjalo, amaninzi amaninzi anikezela imisebenzi efana nokwenza izinga, uhlalutyo lwamanani kunye nokuphuhliswa kwenkqubo kwinhlangano ebizwa ngokuba yiBhunga leSizwe kwiNkxaso- mali yeNkxaso-mali ( NCCI ). Ezi zizwe zithunyelwa "njenge-NCCI." I-NCCI yinhlangano engenzi nzuzo ephethe ama-insurers.
I-NCCI isebenzisa inkqubo yokulinganisa, iincwadi kunye nemiyalelo ephuhliswe yi-NCCI.
Amanye amazwe ayisebenzisi iinkonzo ze-NCCI. Amazwe afana neCalifornia, iWisconsin kunye neDelaware isebenza ngokuzimela. Ezi zihlakulela imithetho nemirhumo yazo. Iintetho ezine (e-Ohio, eWashington, e-Wyoming naseNyakatho Dakota) zikhetheke ukuba azivumeli i-inshurensi yabucala.
Kulezi zizwe, ezibizwa ngokuba yi- monopolistic states , i-inshorensi kufuneka ikhutshwe yi-inshurensi yelizwe.
Ifom yePolisi yoMgaqo
I-NCCI iphucule umgaqo-nkqubo wokuhlawulela abasebenzi oqhelekileyo osetyenziswa kuzo zonke i-NCCI. Umgaqo-nkqubo usetyenziswa nakwiindawo ezininzi ezizimeleyo ngokunjalo. Ibonelela ezimbini ezibalulekileyo. ISahlulo sokuQala siCwangcisa abasebenzi beMbuyekezo xa iCandelo lesiBili libandakanya uxanduva lwaBasebenzi. Eli nqaku lijolise kwiCandelo lokuqala. AbaCashi boBonelelo boLondolozo bachazwe kwinqaku elithile.
Umvuzo woMvuzo
Ukuxhaswa kwembuyekezo yabasebenzi kunika iingenelo kubasebenzi abalimele kwingqesho. Ukuxhaswa kunikezelwa ngaphandle kwephulo. Okokuthi, umqeshwa olimele akafuneki ukukusola ngenxa yokunganakwa ukuze athole inzuzo. Ukongezelela koko, umqeshwa onobungozi ulungele ukufumana iingeniso nangona ukuba ukunganakwa kwakhe kubangele ukulimala. Ngokomzekelo, cinga ukuba umqeshwa uncedisa ukulimala kwentloko kwisayithi yokwakha. Ingozi mhlawumbi yayigwenywe ukuba umqeshwa wayegqoke ingxowa elukhuni, njengoko wayeyalelwe ukuba enze. Nangona kunjalo, umqeshwa kufuneka abuye afanelekele izibonelelo.
Imithetho yembuyekezo yokusebenza kwabasebenzi baseburhulumenteni inikezela ngoku zilandelayo iintlobo zezibonelelo :
- Ubungcali bonyango : Kuquka ukutyelela ugqirha, ukunakekelwa kwezibhedlele, unyango lwamayeza, unyango lwezonyango nezinye iindlela zonyango.
- Ukukhubazeka : Unika indawo yokutshintshwa kwenkcitho elahlekileyo xa abasebenzi bengakwazi ukusebenza ngenxa yokulimala emsebenzini. Ukukhubazeka kungasesikhashana okanye kusisigxina, kwaye kuyingxenye okanye iyonke.
- Ukubuyiswa kobuchule: Ukuvumela abasebenzi abangakwazi ukubuyela emsebenzini wabo ngaphambi kokuba bafunde isakhono esitsha esekelwe kwamandla abo okwangoku.
- Izinzuzo zokufa : ezichaphazelekayo kumlingane kunye nabantwana abancinci bomsebenzi obulawe emsebenzini.
Nangona iintlobo zeenzuzo zabasebenzi ezifumana ukulimala okunxulumene nomsebenzi zihambelana ngokusuka kwelinye ilizwe ukuya kwelinye, inani leenzuzo ezifumanekayo zingahluka ngokubanzi ukusuka kurhulumente ukuya kwilizwe. Ngaloo ndlela, umthetho weembuyekezo zabasebenzi osebenzayo (welizwe apho indawo zakho zokusebenza zikhona) zifakwe kumgaqo-nkqubo.
Oku kuthetha ukuba imimiselo yomthetho wakho wembuyekezo yomhlaba ibe yinxalenye yengeniso yakho yesikhorensi.
Inxephezelo yabasebenzi ibandakanya ukulimala komzimba ngengozi okanye ukulimala komzimba ngesifo (isifo somsebenzi). Umthetho kaRhulumente uchaza ukuba zeziphi izifo ezisebenzayo. Umzekelo wesifo somsebenzi ngu-asbestosis. Umgaqo-nkqubo ubandakanya ukulimala okubangelwa yingozi ezenzeka ngexesha lomgaqo-nkqubo. Ukuze isifo sifakwe, kufuneka sibangelwe okanye sihlaselwe yimimiselo yengqesho.
Ezingabikho
Imithetho yembuyekezo yomsebenzi ingabonelela ngabasebenzi abalimalayo xa benokulimala ngenxa yento eniyenzayo okanye yehluleka ukwenza. Ngokomzekelo, cinga ukuba unesitolo senyama. UMthetho oYilwayo, omnye wabasebenzi bakho, wakucela kathathu ngenyanga edlulileyo ukuba ubeke umlindi ophukileyo kumatshini wokucoca inyama. Ixesha ngalinye iBill lakhankanya umlindi wamxelela ukuba akhumbule ishishini lakhe aze asebenze. Ngeveki emva kokuba isicelo sakhe sokugqibela iBill isebenzisa umatshini xa inyama ityuntshisa, kwaye uyaphazamisa ngengozi yakhe iminwe yomnatha.
Ngenxa yokuhluleka kwakho ukulungisa umatshini wokucoca, uBill unikezelwa ngokuphindwe kabini izibonelelo zokuhlawulela zabasebenzi ayengayifumana. Umgaqo-nkqubo wempindiselo yabasebenzi awuyi kuhlawula iindleko ezingaphezu kwemfuneko oyimfuneko ukuba uyihlawule njengesigwebo.
Umgaqo-nkqubo wokuhlawulela abasebenzi oqhelekileyo uqulethe iintlobo ezahlukeneyo. Ithi umgcini-mali wakho awuyi kuhlawula nayiphi na inzuzo efunekayo ngenxa yokuba:
- Ukuziphatha kakubi kunye nokuzikhethela okwenziwe nguwe. Umzekelo: Uxelela uBill ukuba kufuneka asebenzise le slicer engenakho umlindi okanye uya kugxothwa.
- Uqaphela ngokuqeshwe umqeshwa ngokuphula umthetho. Umzekelo: Uqesha umqeshwa oneminyaka eyi-14 ngokuphula umthetho ofuna abasebenzi bezitolo zenyama ukuba ubuncinane ezingama-16.
- Ukwahluleka ukuthobela umthetho wezempilo okanye ukhuseleko okanye umgaqo. Umzekelo: Ukwahluleka ukuqinisekisa ukuba abasebenzi basebenzisa umlindi xa beqhuba umatshini wokucoca, ukuphulwa komgangatho we-OSHA wokuGcina iMicrosoftware.
- Ukhupha, ugxininisa okanye ukhethe olunye ulwahlulo kulo naliphi na umsebenzi olwaphula umthetho weembuyekezo zabasebenzi. Umzekelo: UmThetho oYilwayo umlilo ngenxa yokuba wafaka isimangalo sembuyekezo yabasebenzi emva kokuqhawula umunwe wakhe kwi-slicer.
Ukubuyisela kwabanye
Ukuba i-inshurensi yakho ihlawulela inzuzo kumsebenzi owenzakeleyo ngenxa yokunyaniseka komnye umntu, umgcini-mali wakho unelungelo lokufumana ukuxhomekeka kwinqanaba elifanelekileyo. Okokuthi, umgcini wakho womshuwalense unokuphinda aphinde ahlawule imali yentlawulo yakhe yokulahlekelwa kwiqela elibangele ukulimala. Ngokomzekelo, cinga ukuba umqeshwa unqabisa inyama usebenzisa umlindi wesandla kumatshini wokucoca xa iindawo ezikhuselekanga. Ukungasebenzi kusenza umsebenzi aqhubeke nokulimala.
I- insurer yakho yokuhlawula isinxephezelo iya kubhatala inzuzo kumsebenzi ofunwa ngumthetho. Nangona kunjalo, unelungelo lokufakela isitifiketi sembopheleleko yemveliso kunye nomenzi wenkampani yomgudu ngenzame yokubuyisela intlawulo eyenziweyo kumsebenzi. Unyanzelekile phantsi komgaqo-nkqubo ukukhusela ilungelo le-inshurensi ukufumana iintlawulo zayo kumntu okanye kwiziko elijongene nokulimala kwabasebenzi.