Abaninzi bango-inshorensi ababonelela ngeenkonzo zobugebengu basebenzisa iifom ze- ISO zezophulo- mthetho.
Abanye baye baphuhlisa iifom zabo zobugebengu. Iifom zoluhlu lwabango-inshurensi zivame ukuphucula iifom ze-ISO.
Ukukhawuleza Ukungafunyaniswa
Uninzi lwabaqeshi bemisebenzi lufumaneka emva nje kokuba luvele. Umqeshwa wakho uphumelela kwiofisi yakho ngokuhlwa ngobusuku obunye ngokutshaya i window yangaphandle. Umqeshwa ke utheba ikhompyutha. Xa ufika kwiofisi yakho kusasa kusasa ujonga igalazi ephukileyo kunye nekhompyutheni ekhoyo.
Olunye ulwaphulo-mthetho alufumanekanga kude kube lude emva kokuba lwenzekile. Ngokomzekelo, umqeshwa uhlawula imali evela kwenkampani yakho malunga neenyanga ezisibhozo. Awufumani ilahleko kude kube ngumnyaka emva kokushiya umsebenzi wakho. Umqeshwa wakwazi ukufihla izenzo zakhe kuba wayeyazi kakuhle ukulawula kwangaphakathi kwenkampani yakho (okanye ukungabi nako).
Ukulahleka Okusondeleneyo nokuTholakele
Imigaqo-mthetho yoluphulo-mthetho inokufaka isicelo nokuba kukho ukufumanisa okanye ukulahlekelwa .
Umgaqo-nkqubo olahlekileyo ulahlekelwa ngumgaqo- nkqubo wokunyaniseka . Iquka ukulahleka okubangelwa yinto eyenzekayo ngexesha lepolisi. Ubuqhopho obwenzeka ngaphambi kokuba umgaqo-nkqubo uqalise okanye emva kokuba uphelelwe yisikhathi awunakutyalwa.
Umgaqo wokufumanisa ufana nomgaqo - mboleko owenziwe ngamabango . Iquka ukulahleka okubangelwa yinto eyenzekayo nanini na ukuba ilahleko ifunyenwe ngexesha lepolisi.
Abaqeshi bafanele bacinge kabini ngaphambi kokuba batshintshe ukusuka ekufumaneni kwifomu egcinwe yilahleko. Ukuba ilahleko yenzeka ngexesha lomgaqo-nkqubo wokufumanisa kodwa ifunyanwe ngexesha lokulahlekelwa komgaqo-nkqubo, ilahleko ayiyi kuhlanganiswa.
Utyalo lwabaqeshwa
Ukukhutshwa kwebaqashi abasebenzi kubandakanya ukulahlekelwa okanye ukulimala kwemali, ukukhuseleka okanye enye impahla ephumela ekubanjeni okwenziwa ngumqeshwa. Umgangatho uyasebenza nokuba awukwazi ukuchonga umqeshwa othile owenze ubusela. Ukongezelela, ilahleko iyakutyalwa ukuba umqeshwa owenza ubusela kuphela okanye ahlangane nabanye abantu.
Ngenjongo yomqeshwa ukunganyaniseki, "ukweba" kubandakanya ukuchithwa. Elinye ipropati lithetha ipropati ngaphandle kwemali okanye i-securities. Nangona kunjalo, ezinye ipropati azibandakanyi idatha yekhompyutha okanye iinkqubo zekhompyutha.
Nayi imimiselo yelahleko eziya kubanjelwa phantsi kwe-inshorensi yokungathembeki:
- Umphathi wempahla kwindawo yokutyela enkulu udla izinto zokutya ezixabisekileyo. Ufihla ubuqhopho ngokukhupha iirekhodi zeencwadi.
- Umsebenzi wokuthengisa uthengisa umthengisi ongathembekanga. Umthengisi wempahla yakhe i-invoyisi aze ahlule iintlawulo ezongezelelweyo kunye nomqeshwa.
- Umqeshwa ohlawula umrhumo osebenzayo kwi- check check . Uguqula ukuhlawulelwa egameni labasebenzi abambini, ukwandisa imali ehlawulwa ngamanani ambalwa nganye ngeveki. Abasebenzi abasebenzisana nabo bahlula imali eyongezelelweyo kunye nabasebenzi bokuhlawula.
Ukulahleka Akufihliwe
Uninzi lwemigaqo-nkqubo yokungathembeki iqulethe i- exclusions echazwe ngezantsi. Ezinye izibhengezo zingafaka isicelo.
- IZenzo ngeeNqununu ukweba okwenziwa nguwe okanye amaqabane akho, abalawuli okanye abamele (ngaphandle komqeshwa). Abanikazi beenkampani kunye neenqununu (njengabalawuli) abaqeshwa. Ngaloo ndlela, ubuqhopho obenzelwe ngabo abuhlanganiswa.
- Iindleko Zomthetho Imirhumo okanye iindleko ezihambelana naluphina isenzo somthetho, njengesigwebo
- Ubungozi bokungabikho Ukunqongophala kwe-inventory ukuba ubungqina belahleko busekelwe kuphela kwi-inventory okanye inzuzo kunye nokulahleka ukubala. Nangona kunjalo, ilahleko iyakucetyiswa ukuba unako ukubonelela ubungqina obuhlukeneyo bokulahleka. Umzekelo uyividiyo yomqeshwa eyeba i-inventory.
- Ukurhweba Ukulahleka Ukulahlekelwa ngenxa yokurhweba (ngenxa yezigqibo ezincinci zotyalo-mali njl.
- Ukulahleka okungaqondakaliyo Ukulahleka kwengeniso onokuyifumana ngokutyalomali imali, ukukhuseleka okanye enye impahla ukuba ukulahleka kungenziwanga.
- Ukulahlekelwa kweReciption Receipt ngenxa yokukhwabanisa okubandakanya i-receipt yokufumana. I-receipt yerejista yincwadi eqinisekisa ukuba umnini-propati unesihloko sayo.
Ezinye izinto ezibalulekileyo
Imigaqo-mthetho yoluphulo-mthetho iquka imibandela ekhethekileyo engayifumanekanga kwezinye iindidi zemigaqo Ezinye zazo zichazwe ngezantsi.
Ukukhanselwa koMsebenzi womntu ongathembekiyo
Eli lungiselelo liyakhusela ngokukhawuleza ukukhutshwa komsebenzi nawuphi na umsebenzi owenze isenzo esingathembekiyo emva kokuba uyazi. Okokuthi, xa ufumanisa ukuba umqeshwa uthathile into ethile, awufihlakele nayiphi na ubuqhopho obusenziwa ngumqeshwa.
Ixesha lokuFumana
Imigaqo-nkqubo yokufumanisa iquka ngokuzenzekelayo ixesha elide leentsuku ezingama-60 ukufumana ukulahleka . Oku kuthetha ukuba umgaqo-nkqubo uhlawula ilahleko ezenzeka ngaphambi kokuba umgaqo-nkqubo wakho uphele ukuba zifunyanwe kwiintsuku ezingama-60 zokuqala emva kokuphela. Ukuba ilahleko iqhutywe yiplani yesibonelelo somqeshwa esichazwe kumgaqo-nkqubo, ixesha lokufumanisa lonyaka.
Umgaqo-nkqubo olahlekileyo uqulethe ixesha lokufumanisa elisebenzayo xa ipolisi yakho ichithwa. Umgaqo-nkqubo ubandakanya ukulahleka owawugcinwe ngaphambi kokuba umgaqo-nkqubo unqatshelwe, kodwa kuphela xa ufumanisa ilahleko phakathi komnyaka owodwa wosuku lokukhansela. Ixesha lokufumanisa liphela xa ubeka umgaqo-nkqubo okhansekileyo kunye nomgaqo-nkqubo olwaphulo-mthetho.
Inkcazelo yoMqeshwa
Inkcazo yomqeshwa wexesha ide kakhulu. Kubandakanya umntu ongokwemvelo ophakathi kwesevisi okanye obenenkonzo yakho kwiintsuku ezingama-30 zokugqibela. Umntu wendalo ngumntu (kungekho nkampani).
Nentsingiselo Yokwenzeka
Umda phantsi komgaqo-nkqubo wezophulo-mthetho usebenza kwisiganeko ngasinye. Ngokubhekiselele kumsebenzi wokuba utywala, eli gama lithetha isenzo esisodwa ngumqeshwa okanye zonke izenzo (kubandakanywa uluhlu lwezenzo) ezenziwa ngumqeshwa ofanayo. Ngaloo ndlela, izenzo ezimbini zokugwenxa ezenziwa ngumqeshwa omnye ziza kubakho isenzo esisodwa, kungekhona iziganeko ezimbini ezihlukeneyo.
Bondelity Bond
Enye indlela yomsebenzi wokuba utywala phantsi komgaqo-nkqubo woluphulo-mthetho ngumanyano wokuthembeka . Ubungqina bokunyaniseka bunika uhlobo olufanayo lokubhengezwa njengowomshwalense we-inshorensi ochazwe ngasentla. Nangona kunjalo, isibophelelo sokunyaniseka siquka imibutho emithathu: i-obligee (wena, iqumrhu elikhuselekile), inqununu (umqeshwa unamathele) kunye nokuqinisekiswa (inkampani enika ukhuseleko). Ukukhutshwa kwebaqeshi kwabasebenzi ababonelelwa phantsi komgaqo-nkqubo we- inshorensi kubandakanya amaqela amabini kuphela, wena kunye ne -insurer .