Umzekelo
Ushishino luya kuPetle's Plumbing Supplies. Ukuthengisa kwandile kakhulu kunyaka odlulileyo ukuba uPete waqeshwe abaphathi ababini beakhawunti. UPete naye wakhuthaza uJane, umqeshwa omdala, kwindawo entsha yokulawula. UPete uyavuyiswa ngabaguqulwa ngabasebenzi kwaye ucinga ukuba abasebenzi bakhe banjalo.
Ngaloo ndlela, uyamangalisa xa ekhonjwe ngetyala lokucaluleka komsebenzi.
USusie, ummangali, usebenze kuPete njengommeli we-akhawunti iminyaka emininzi. U-Susie uthi ufaneleke ngakumbi kunoJane kwisithuba sokulawula. USusie uthi u-Pete wakhetha uJane ukukhuthazwa, wamkhethela uSusie ngokusekelwe kwakhe (uSusie ukhulelwe ngonyaka odlulileyo). USusie ufune i-40,000 yeeRhafu ngokuhlawulela ukungafani phakathi kokuhlawula kunye neenzuzo zakhe zangoku, kunye nabo bayeza kufumana xa bekhutshwe.
UmGaqo woLuntu
Ibhizinisi likaPete liqinisekisiwe ukuba lihlawulwe ngokubanzi phantsi komgaqo - nkqubo okhutshwe yiNkampani ye-Inthanethi ethembekileyo. U-Pete ufunde umgaqo-nkqubo kodwa akakwazi ukufumana nayiphi na i- exclusions enxulumene nocalucalulo. Uya kugqiba ukuba ibango kufuneka lifakwe kwaye lidlulisele kwi-Reliable. U-Pete uyaxhalaka xa umgcini-inshurensi enqaba ukukhawuleza. Kutheni ibango lingenalo?
Kukho izizathu ezibini ezibangela ukuba ibango likaSusie lingagutywanga. Okokuqala, icala likaSusie lifuna ukulimala ngokwelahleko lwezoqoqosho njengemali yokuhlawula emva, ukulahlekelwa kwimivuzo ezayo kunye nokulahlekelwa kwezibonelelo. Ukugqitywa phantsi komgaqo-nkqubo wokuzibophelela, ibango kufuneka lifune umonakalo wokulimala komzimba, umonakalo wepropati okanye ukulimala komntu kunye nokuthengisa .
Ekubeni umgwebo kaSusie awutyhilo nawuphi na uhlobo lokulimala, i-suit ayifakwe.
Ezinye izicatshulwa ezichazwe ngabasebenzi zifuna ukulimala kwengqondo, ukulimala kwengqondo, ukuxinezeleka kwengqondo kunye nezinye iintlobo zokulimala kwengqondo. Ngelixa ezinye iinjongo zemfanelo zithintela ukulimala kwengqondo ngokuchazwa kwentsholongwane yomzimba , le nzakala ibhekiswe kuphela xa ibangelwa yingozi. Okubaluleke ngakumbi, izibango zokulimala komzimba ngabaqeshi zingabandakanywa phantsi komgaqo-nkqubo wokuxanduva ngokukhutshwa kwabaxanduva .
Kukho isizathu sesibini sokuba ibango likaSusie lingafihliwe. Imigaqo-nkqubo yamatyala ngokubanzi yenzakalo yengozi okanye umonakalo obangelwa kukuvela (umcimbi osengozini). Uninzi lwamabango obandlululo luvela kwizenzo zamabango ezenziwa ngabakwabaqeshi. Ekubeni kungabikho ngenxa yeengozi, amabango anjalo awafihliwe ngumgaqo-nkqubo. Kwimeko ekhankanywe ngasentla, isambulelo sikaSusie sisekelwe kwizenzo zikaPete (ukukhuthaza uJane esikhundleni seSusie). Izenzo zakhe zazingenjongo, kungekhona ngengozi.
Ulwahlulo
Ifom yomgaqo-nkqubo oqhelekileyo wemfanelo-nkqubo ayibandakanyi ngokuthe ngqo amangalo avela kucalucalulo. Nangona kunjalo, abaninzi batshorensi badibanisa ukuxhaswa okungafaniyo .
Ulwahlulo oluqhelekileyo lukhutshwa ngaphandle nje njengenxalenye yengqesho yokunyanzelwa kwemfanelo . Abaninzi bango-inshorensi basebenzisa ukuvunyelwa kwe- ISO esemgangathweni okuphelisa ukukhutshwa kwecalulo kunye nezinye iinkqubo zengqesho phantsi koBume bokuKhutshwa koBungozi kunye noPhulo lweMpahla kunye nokuPhathwa kweeNkcazo zokuLawulwa kweeNgcaciso. Abanye abaqinisekisayo baye baqulunqa zabo izibonelelo zokuzimela ngaphandle.
Ulwahlulo oluchasene neNgqesho
Amashishini amancinci angatyala ngokunyanzelwa ngabantu abangaphandle kwabasebenzi. Imizekelo yabaxhasi, abathengisi, iikontraka kunye namanye amaqabane ebhizinisi.
Ngokomzekelo, cinga ukuba umthengi we-Pete's Plumbing Supplies ucela intlanganiso kunye nommeli weentengiso. UDavid, u-Pete uthengisa i-reps, waya kwiofisi yomthengi kwiintlanganiso zokuthengisa.
UDavid unobandlululo ngokumelene neentlanga eziza kuba ngumthengi. Emva kokubiza umthengi ubuhlanga buhlanga, uDavid uthi kuye "UPete akenzi ishishini nabantu abanjengawe". Umthengi kamva uxanduva lweePlumbing Supplies zokubandlululwa kobuhlanga.
Umbandela woLwaphulo ngaphantsi kweeNgxowa-mali
Ukubaluleka kweentlobo ezithile zocalucalulo ziyafumaneka phantsi kweminye imigaqo-yorhwebo yeesambulela . Ukuba ukucaluleka kuhlanganiswe, kufakwa phantsi kweNkcitho yoLuntu kunye noThengiso, kungekhona ukuLawulwa kweBhodi kunye nokuLawulwa kweMpahla. Ngaphezu koko, ukuhanjiswa ngokubanzi kusebenza kuphela kucalucalulo olungahambelani nomsebenzi.
Eminye imimiselo yomgaqo-nkqubo iyalela ukuba i-inshorensi ibandakanya izenzo ezichasayo. Ngaloo ndlela, i-ambulula inokuthi ibandakanya ulwaphulo-mthetho kuphela kwimeko enjalo yomshuwalense evunyelwe ngumthetho.
Ngaphandle kokucalucalulo, ezinye izenzo okanye ukulimala kunokugqitywa yi-sambulela ngokusebenzisa inkcazo yobungozi bomntu kunye nentengiso . Imizekelo ingxaki yokugula, ukulimala kwengqondo, ukuthotywa kunye nokutshitshiswa.
I-Practice Practices Imability Coverage
Amabango avela kubandlululo kunye nezinye iinkqubo zengqesho ziqinisekisiwe phantsi koxanduva lomsebenzi (EPL) . Isixa esincinci se-EPL (ngokuqhelekileyo malunga ne-$ 10,000) sifakwe kwiipolisi ezithile zepakethi ezithengiswa kumashishini amancinci. Ukuba umgaqo-nkqubo awubandakanyi igalelo le-EPL, umgcini wakho womshuwalense unokunikezela ngokuvuma okanye umgaqo ohlukeneyo.