Ukuphazamiseka komsebenzi kunokubangela ukulimala emzimbeni okanye kwipropati yakho kwindawo yakho. Inokunyanzela ukuba ishishini lakho livale, lidale ukuba lilahlekelwe yimali engenayo okanye lenze iindleko ezingaphezulu. Unokukhusela ishishini lakho kwiintlobo zelahleko ngokuthenga i-inshorensi yokuphazanyiswa komsebenzi.
Ukulimala Kwenyama kwiZakhiwo
Enye yemingcipheko yokuqhawulwa kwezinto ezisetyenziswayo ngumonakalo emzimbeni kwipropati ene-shishini. Umzekelo olandelayo ubonisa indlela oku kwenzeka ngayo.
UTracy uphethe izitolo ezine zokuthengisa ezithengiswayo ezibizwa ngokuthi i-Toothsome Treats. Iivenkile zithengisa amaqebelengwane amnandi kunye nekiki, zonke ezilungiselelwe kwindawo yokuvelisa inkampani.
Ngenye imini, umbane unonakalisa isithuba esiphethwe ngumbane wendawo, i-Endurance Electric. I-substation ifumane iikhilomitha ezininzi ukusuka kwisixhobo sokuvelisa i-Toothsome Treats. Isakhiwo sishiya amandla kwiintsuku ezintathu. Iinqebengwane kunye nekiki ezenziwe kwimveliso xa kuqhutywe umkhosi.
Amaqanda, ubisi kunye nezinye izithako eziluhlaza ezigcinwe kwiifriji zilahleka ngenxa yokulahleka. Kuzo zonke, ukunyangwa kwamazinyo kuhlaselwa i $ 25,000 ngenxa yokulahleka.
UTracy uhambisa ibango kwi-inshorensi yokuphatha i-inshurensi yepropati . Utshitshiswa xa efumana ileta evela kumxhasi wakhe ophika ibango.
I-inshurensi icacisa iinkonzo zokuncedisa ukukhutshwa komgaqo- nkqubo wepropati waseToothsome Treats njengesizathu sokuba ibango lingafihliwe.
Iinkonzo zoNcedo
Nangona iipolisi zepropati ziyahluka, ezininzi ziqulethe ukukhutshwa kweenkonzo zokuncedisa ezifunyenweyo kwifom ye- ISO Special Causes of Loss ifomu. Oku kubandakanywa kukuphelisa umyinge wokulahleka okanye umonakalo obangelwa ukungaphumeleli kwamandla, ukunxibelelana, amanzi okanye enye inkonzo enikezelwayo kwindawo echazwe kuyo. "Ukungaphumeleli kwenkonzo yokubonelela" kubandakanya naluphi na ukungabikho kwamandla okwaneleyo kunye nokunciphisa ukunikezelwa (njengowomdaka).
Umgaqo- nkqubo wepropati wentengiso awubandakanyi iinkonzo zesevisi zobungakanani ezibangelwa ukungaphumeleli okuvela kwindawo yakho . Okokuthi, ukuvalwa komkhosi kungabandakanywa xa kubangelwa ukungaphumeleli kwezixhobo ezingekho kwindawo yakho. Ukugqithwa kwe-Toothsome Treats kuvela kwisiqendu esivela kwipropati yeebhaki.
Kwixesha elidlulileyo, umgaqo-nkqubo we-ISO awuzange ungabandakanyi iziphene ezibangelwa ukusilela kwezinto ezivela kwindawo yakho. Nangona kunjalo, iinkonzo zokuncedisa ngaphandle kwe-ISO nkqubo zandisiwe ngo-2007. Ngoku zibandakanya ukungaphumeleli okuvela okanye kukhutshwe indawo yakho ukuba zibandakanya izixhobo ezisetyenziselwa ukubonelela ngombane (okanye enye inkonzo yesevisi) ukusuka kumthombo ongaphandle.
Abaninzi bango-bhorensi abaqulunqa imigaqo-nkqubo yabo yokubambisa idibeneyo badibanise ukukhutshwa kwandiswe kwiikontraki zabo .
Nantsi umzekelo wendlela ulwimi olwandisiweyo lunokusebenza ngayo. Masithi umbane uhlasela i-transformer efumaneka ngaphandle kwendawo yokuvelisa i-Toothsome Treats. I-transformer ifumaneka kwipropati yeebhaki, kungekhona kwipropati ye-Endurance Electric. I-transformer isetyenziswe ngumbonelelo wokubonelela amandla kwisixhobo sokuvelisa ibhaki. Umbane ubonakalisa i-transformer, kubangela ukuphuma kwamandla kwisiza. Ukuba umonakalo ubangela ukulimala kwipropati yakwaToothsome, umonakalo uya kubandakanywa.
Ingaxhomeki kwiMandla oPhezulu
Ukukhutshwa kokuphazamiseka komsebenzi okufunyenweyo kumgaqo-nkqubo we-ISO awufaki ukukhutshwa kwamandla okubangelwa kwisiganeko esifanayo esabangela ukuhluleka kwamandla.
Umzekelo, umbane ubonakalisa isiteshini sokutshintsha, kubangela ukuhluleka kwamandla kunye nokunyuka kwamandla kwipropati yakho. Ukuba amandla angaphezulu awonakalisa isicatshulwa, umonakalo uya kubandakanywa. Bobabini ukunyuka kwamandla kunye nokungaphumeleli kwamandla kubangelwe kwisiganeko esifanayo, oko kukuthi isiteleka sombane.
Ukukhupha Ukulahleka Okuqhubekayo Ngengozi Efihliweyo
Ekugqibeleni, ukukhutshwa kweenkonzo zoncedo kubandakanyekile. Ubungakanani bunikezelwa umonakalo ngengozi ehlanganisiweyo ephumela ekuqhubeni kwamandla okanye ukungaphumeleli komsebenzi. Ngokomzekelo, ukuba umbane okanye ukulahleka kombane kubangela umlilo, umgaqo-nkqubo uza kubhawula ilahleko ezayo okanye umonakalo kwipropati ekhutshwe ngumlilo. Ilahleko ihlanganiswe ngenxa yokuba umlilo uyingozi.
Inkonzo yoNcedo
Unokubuyisela ininzi kwenkcazo engabandakanywa yinkonzo yokuncedisa. I-ISO inikezela ukunikezelwa kweenkonzo ezimbini eziqhelekileyo. Omnye ubandakanya umonakalo othe ngqo ngenkathi enye inika i-element element (ingeniso yezorhwebo kunye neendleko ezongezelelweyo). Ungathenga enye yezi zinto okanye zombini.
Ukuvunyelwa ngalunye kukuvumela ukuba ukhethe uhlobo lwepropati eyisebenzisayo ofuna ukuyifaka. Okukhethwa kukho kubandakanya isakhiwo esisetyenziselwa ukubonelela:
- IiNkonzo zamanzi. Kuquka izikhululo zokupompa kunye namanzi
- Iinkonzo zoNxibelelwano . Kuthetha isakhiwo esisetyenziselwa ukubonelela ngefowuni, i-radiyo, i-microwave, okanye iinkonzo zethelevishini. Kubandakanywa imigca yokudlulisa umyalezo, iikhowudi ze-coaxial, kunye ne-microwaves relays (ngaphandle kweesatelliti). Imizila yokudlulisela phambili ingafakwa okanye ifakwe ngaphandle.
- IiNkonzo zamandla. Kuthetha umbane, igesi kunye nomoya. Kuquka i-utility eyenza izityalo, ukutshintsha izitishi, izitishi, izitshintshi, kunye nemigqaliselo yokudlulisela. Unokukhetha ukufaka okanye ukukhuphela imigca yokudlulisela phambili.
UkuLawulwa kweNgcaciso
Ukuphazamiseka ngqo komonakalo kubandakanya ukulahlekelwa okanye ukulimala kwipropati ekhutshwe ngenxa yokuphazamiseka kwinkonzo yesevisi kwindawo yakho. Ukulahleka okanye umonakalo ozakugqitywa, ukuphazanyiswa kufuneka kubangelwe ukulahlekelwa ngumzimba okanye umonakalo ngumngcipheko ogqityiweyo kwipropati yomsebenzi oyisebenzisayo ukukhupha.
Ngaphantsi komonakalo ochanekileyo wonikezelo, unokukhetha uncedo lweenkonzo zomsebenzi wonke okanye inxalenye yepropati yakho. Ngokomzekelo, i-Toothsome Treats ingathengela ukukhutshwa kokunikezelwa kwamandla okuphazamiseka kwezinto kuphela. Ukunikezelwa kweenkonzo zenkonzo kuncike kumda oboniswe kwisiqinisekiso. Lo mda uyingxenye (kungekhona ngaphezu koku) umda oboniswe kumgaqo wepropati ehlanganisiweyo. Ukuba akukho mkhawulo ovela kwi-endorsement, i-service cover coverage ibandakanywe kumda osebenzayo kwipropati ehlanganisiweyo.
Qaphela ukuba ukuphazamiseka kokusebenza kokuphazamiseka komsebenzi akufaki ukulahleka okanye ukulimala kwedatha yekhompyutha . Ukulimala kwedatha yekhompyutheni kunokungeniswa ngomshuwalense phantsi komngcipheko we- cyber okanye umgaqo-nkqubo wokusebenza kwedatha .
Ixesha lokuQinisekisa kweElement
Ukuba umgaqo-nkqubo wepropati wakho worhwebo uquka inzuzo yezoshishino (ekwabizwa ngokuba yintlupheko yoshishino) okanye i- couverture yeendleko ezongezelelweyo , unako ukwandisa ukuba ukukhutshwa kwenkonzo kubandakanye ukuphazamiseka kwenkonzo. Ukunikezelwa kweenkonzo zenkxaso yexesha lenkxaso kubandakanya ukunqunyulwa kwemisebenzi kwindawo yakho kubangelwa ukuphazamiseka kwintsebenzo yenkonzo kwindawo yakho. Ukuphazamiseka kufuneka kubangelwe ukulahlekelwa ngumzimba okanye umonakalo ngengozi ejongene nayo kwipropati oyikhethile ukukhupha (amanzi, unxibelelwano okanye uncedo lweenkonzo zamandla).