Ikhusela iZenzo zeNtlalo
Umshuwalense wotywala wotywala unamabango anxulumene notywala obangelwa ukusetyenziswa kwezidakwa ezinxilisayo. Kuhloselwe ukukhupha amabango avela kwiintlalo zentlalo ezifana nepikiniki yenkampani okanye iqela leKrisimesi. Cinga ngomzekelo olandelayo.
Usuku lwentwasahlobo efudumele kunye nabasebenzi beeNkonzo zentlawulo zeTrusty baqokelele ipikiniki epaki kufuphi ne-Trusty ofisi. I-nkampani inike ukutya okugcobileyo kunye neemeko eziliqela zewayini ukubhiyozela ukuphela kwexesha lerhafu. Imithendeleko iye yaqhubeka ngeeyure eziliqela kwaye iqala ukuphefumula. UTom, umqeshwa weNkonzo yeRhafu yeTrusty, uziva ephosakele kwaye unquma ixesha lokuba ahambe. Ucoca ibhotile yewayini aze ahambe emotweni yakhe.
UTom u malunga nekhaya eliqhelekileyo xa eqhuba ngengozi umqondiso wokuma. Imoto yakhe iyandisa inqwelo eqhutywe ngumphathi-shishini wasekhaya uSam. USam unobungozi engozini kwaye ucela iNkonzo yeRhafu yeTrusty.
I-suit yakhe igxininisa ukuba abaphathi beenkampani babenganaki ngenxa yokuba babenxilise uTom emva kokubonakala benxile. Ngaphezu koko, abazange bamthintele uTom ukuba aqhube nangona ayenayo ngokucacileyo. USam ufuna i $ 50,000 kwiimbuyekezo ezihlawulwayo . Iinkonzo zentlawulo yeTrusty ziqinisekisiwe ngaphantsi komgaqo-nkqubo ojongene nokunyaniseka okubandakanya i-$ 1 yezigidi umlinganiselo ngamnye wokuba khona.
Umgaqo-mboleko weTrusty uza kufikelela kumgwebo kaSam? Impendulo nguyebo.
Ubume beTywala
Umgca wokhuseleko lotywala ubandakanywe phantsi koMgangatho A wefom ye- ISO jikelele yokubambisa (CGL). Umlinganiselo A usebenza kumonakalo okhuselayo ngenxa yengozi yomzimba okanye umonakalo wepropati . Le ngxelo iqulethe ukungabikho kotywala. Ukukhutshwa kuphelisa umonakalo wokulimala komzimba okanye umonakalo wepropati apho nayiphi na i-insured ingaba noxanduva ukuba wenza ntoni na oku kulandelayo:
- Kwabangela okanye kwanegalelo ekuxilweni komntu
- Ukunxiliswa kotywala kotywala kumntu ongaphantsi komthetho wokuphuza ngokomthetho okanye "ngaphantsi kwefuthe"
- Uphule umthetho, umgaqo okanye umgaqo ophathelene nokuthengiswa, isipho, ukusasazwa okanye ukusetyenziswa kotywala
Ukukhutshwa kwamatyala okutywala kusetyenziswa kuphela xa i-insured inomsebenzi wokuvelisa, ukusabalalisa, ukuthengisa, ukukhonza okanye ukubonelela iziyobisi ezinxilisayo. Kujoliswe kumashishini afana ne-wineries, u-taverns, imivalo, kunye neebhiya, ezisebenza ngokubalulekileyo ziquka ukuvelisa, ukuthengisa okanye ukusela utywala.
Umyinge wokuPhumela ngaphandle
Iinkampani ezingekho kwishishini lokwenza, ukuthengisa okanye ukukhonza utywala zikhululekile ekukhutshweni kotywala.
Amashishini anjalo afakwe amabango avela ekusebenzeni kotywala kwindawo yentlalo. Ukugqithiswa okunikezelwa ngaphandle kwelokukhutshwa kwiselo yotywala kuthiwa ngumntu ojongene noxanduva lotywala .
Ngomzekelo woNcedo lweRhafu yeTrusty, uTom waba nefuthe emsebenzini wentlalo oxhaswe ngumqeshi wakhe waza walimala umntu wesithathu (Sam). Iinkonzo zentlawulo yeTrusty akukho kwishishini lokusebenzisa utywala. Ngaloo ndlela, ibango likaSam malunga neTrusty kufuneka liwele ngaphandle kwelokunyanzeliswa kotywala. Ibango kufuneka likhutshwe ngumgaqo-nkqubo we-Trusty jikelele.
Ngenxa yokuba umrhumo wokubakhotywala utywala ngokuzenzekelayo ufakwe kwi-Bodily Injury and Property Damage Liability Couverture, naluphi na umonakalo okanye iindawo zokuhlala ezihlawulela iimali ezichaphazela utywala ziya kunciphisa umcimbi ngamnye kunye nemida epheleleyo ngokubanzi kumgaqo-nkqubo.
Nangona kunjalo, iindleko zeenkundla, iimali zomthetho kunye nezinye iindleko zenkampani yomshuwalense efuna ukukhusela i-insured ayiyi kunciphisa le mida.
I-BYOB Amalungiselelo
Ukukhutshwa koxanduva lokutywala utywala kwi-CGL eqhelekileyo idibanisa i-BYOB (fakela iibhotile zakho) amalungiselelo. Ukukhishwa kwamagama kuthetha ukuba inkampani yakho ayiqwalaselwanga ngokuzenzekelayo "kwishishini lotywala" ukuba uvumela umntu ukuba athathe utswala kotywala kwindawo yakho ukuba adle khona. Oku kuyinyaniso nokuba ingahlawulwanga umrhumo okanye ilayisenisi iyadingeka kwimisebenzi ye-BYOB.
Ngokomzekelo, cinga ukuba inkampani yakho ixhasa iphathi yamaholide kubasebenzi kwiofisi yakho. Nangona unganikezeli nayiphi na utywala kwindawo, uvumela abasebenzi bakho ukuba bazise. UMthetho oYilwayo, umqeshwa wakho, uletha ibhotile ye-bourbon kwiqela. UMthetho oYilwayo uhlambulukileyo kwaye uphonsa kwiqabane lomnye umqeshwa, ukumlimaza. Ukuba iqabane elenzakalisiweyo lithatha ishishini lakho ngenxa yokunganakwa, umgaqo-nkqubo wecandelo lakho loxanduva lilonke kufuneka lifake i-suit. Inkampani yakho ayibonakali "kwishishini lotywala" esekelwe kwinto yokuba uvumele umntu ukuba athathe utywala kwindawo yakho.
Rhu lumente okanye kwiNkcazo yeNgingqi
Imikhosi yezenhlalakahle ixhomekeke kumacala omntu ngamalungu omntu ngenxa yokonakaliswa kwala maqela aqhubeka ngenxa yokunganakwa kwemikhosi, umonakalo phantsi komthetho oqhelekileyo. Imikhosi yezeNtlalo nayo inokuhlawuliswa okanye ifakwe entolongweni xa iphula umthetho wesizwe okanye utywala. Amagunya amaninzi afake imithetho eyanqabela imikhosi yezenhlalakahle ekusebenzeni utywala ukuya kwabantwana. Eminye imithetho isebenza kwiselo yotywala kubantu abakhulileyo abadakiwe. Ukuze ufunde yintoni imithetho yomncedisi woluntu esebenzayo kwimeko okanye kwindawo yakho, cela ummeli wakho we- inshurensi okanye ugqwetha.
YoTywala iMboleko
Ekugqibeleni, iinkampani ezisemashishini ekuveliseni, ukukhonza okanye ukuthengisa iziyobisi ezingenakunxila abanakho ukufumana izibango ezinxulumene notywala phantsi kweCGL. Ngenxa yeso sizathu, amashishini anjalo adinga ukuthengiswa kwezotywala . Olu khuselo lukhusela iibha, iindawo zokutyela , iivenkile kunye namashishini afana nxamnye namabango okulimala okubangelwa ngabaxhasi abaxhasiweyo.
Ukubonelelwa ngezoTywala kunokubonelelwa ngokukhawuleza okanye kwisiseko esenziwe ngamabango . Iimigaqo-nkqubo ezenziwe ngamabango zihlala zithengwa kodwa zibandakanya amabango awenziwe ngexesha lolawulo kuphela. Umgaqo-nkqubo wokutywala utywala awuyi kuthatha indawo yomgaqo-nkqubo wakho wemfanelo. Ukuba unomnini-shishino olunxulumene notywala, ufuna iimbophelelo zombini.