Inonzi Bhizimisi
Uyo anonzi inshuwarheni ndiye munhu kana sangano rakanyorwa mumashoko ekuzivisa. Iyo inonzi anishuwarenzi inogona kunge iri sangano, kubatana, kungova pamba chete kana chimwe chimiro chechikwata.
Kuenzaniswa nemamwe mapurisa akachengeteka, uyo anonzi inshuwarheni akapiwa nzvimbo yakawandisa yehupfumi pasi pemutemo. Mitemo yakawanda inoreva kune anonzi inshuwarisi sezvaunoita .
Mamwe mabhizimisi maduku akabatanidzwa nekambani imwe bedzi. Semuenzaniso, Smith Manufacturing Inc. ishamwari yega yega ine yevashanu vemuSmith. Smith Manufacturing Inc. ndiro zita repamutemo rebhizimisi. Nokudaro, sangano rakarongerwa seyita anonzi inshurenzi pamutoro mukuru wekambani, mutengesi wemabhizimisi, nemamerare emitemo .
Multiple Anonzi Insureds
Mamwe mabhizimusi ane zvinyorwa zvinopfuura rimwe chete. Vazhinji vatsigiri vehutori vanozoverenga zvinhu zvakasiyana-siyana pamutemo mumwechete kana imwe yega inobata chido chevanhu vakawanda (inenge 51% yevhudzi) kune vamwe. Somuenzaniso, fungidzira kuti vadzidzisi veSmith Manufacturing Inc. vanogadzira kambani yechipiri inonzi Smith Sales Inc. Chinangwa choga cha Smith Smith ndechekutengesa zvinhu zvakagadzirwa naSmith Manufacturing.
Nemhaka yokuti makambani maviri ane huwandu hwehuwandu hwavo, vanogona kuva inshumo pasi pemhosva imwechete, motokari, uye maamburera.
Inonzi Imiti Yakavimbiswa
Mitemo yakawanda uye mitemo yemotokari inokonzera zvisungo zvakananga kune avo vanonzi vashandi. Semuenzaniso, mitemo yemagariro evanhu inowanzodikanwa kuti utaure zvirevo kana zviitiko kune insurer yako .
Saizvozvowo, mutemo wepamutemo wekutengeserana motokari unoti iwe unofanira kuzivisa mapurisa kana motokari yakabiwa.
Mitemo yemitemo inowanzotaurira zvakananga kumunhu anonzi anishuwarenzi , zvinoreva kuti chikamu chinoratidzwa pakutanga mumashoko ekuzivisa (kana mutemo unosanganisira anopfuura mumwe anonzi inshuwarisi). Mune ISO mutemo wekodzero, semuenzaniso, wekutanga anonzi inshuwarheni anodikanwa kuchengeta zvinyorwa zvemashoko iyo inshurenzi inoda kuverenga premium. Wekutanga anonzi inshuwaridzi anofanira kupa ruzivo urwu chero nguva iyo bhizimisi irikumbira.
Insured
Izwi rinotsigirwa ishoko rechiito rinoshandiswa kurondedzera chero munhu kana sangano rinokodzera kubhadhara pasi pehutungamiri. Munhu anonzi inshuwarisi ndeye inshuwarisi.
Yakawanda mitemo yemitemo inowanzovhara vamwe mapato se insureds. Mienzaniso vashandi, vanobatana, uye vakuru vakuru . Vanhu ava vanochengetedza zvese apo vari kuita basa ravo kune avo vanonzi inshuwarisi. Semuenzaniso, vashandi vanoita insureds chete pavanenge vachiita mabasa avo sevashandi vebhizimisi vanodanwa pamutemo. Havasi insureds pavanoita mabasa ega ega-ye-clock. Saizvozvowo, vashandi vehukama hwakatumidzwa pamusoro pehutano ndivo vanochengetedza chete kana vachiita sevashandisi vesangano iroro.
Havasi insureds nokuda kwezviito zvavanoita kunze kwebasa ravo semudiwa.
Zvemabhizimisi emitemo yezvekutengeserana inopawo zvakananga kugoverwa kwezvikwereti zvakasiyana siyana Somuenzaniso, huwandu hwematongerwo enyika hunoendesa kuvhara kwemotokari kune avo vanobvumidza kushandiswa kwemotokari yakavharwa iyo inowanikwa kana inobhadharwa nevanonzi bhizinesi.
Kuwedzera Inshu
Izwi rinowedzera inshushi rinoreva chikamu chakange chakawedzerwa kune chinangwa chekubhadhara sehutsigiti, kazhinji kuburikidza nekubvumirwa . Kuti zvikwanisire kugoverwa seyezve inshuwarisi, munhu kana sangano rinofanira kuva neukama hwebhizimisi nemunhu anonzi inshuwarheni. Uyezve, iyo inonzi mabhizinesi mabhizimisi mabasa anofanira kuisa pangozi yekutongwa kwechitatu kune imwe nyika iyo.
Semuenzaniso, fungidzira kuti Busy Builders, mukonzi mukuru, akashanda Perfect Piping, muchengeti wemapuranga, kuti aise migwagwa yemvura mune imwe nhandare yekutambira iri kuvaka.
A Perfect Piping mushandi angangodaro akanganisa njodzi panzvimbo yebasa, achikuvadza mumwe wechitatu. Munhu akakuvara angapomera vose vanogadzira mapuranga uye Buildy Busy kuti vakuvadze mumuviri. Nekudaro, chibvumirano pakati peHoty uye Perfect Piping chinoda mukondi wemapuranga kuti aise Bhuku rakafanana nehumwe bhuturo pasi pePerfect Piping's general responsibility policy.
Zvimwe zvipo zvinotsigirwa nehupfumi zvinopa zvishoma kudzivirirwa. Coverage inosungirirwa kune chivako, basa, kana mabasa ayo ari ekukurukurirana kwebhizimisi pakati pehuwandisi hwehupfumi uye uyo anonzi anishuwarenzi. Semuenzaniso, kontrakta huru inowanzovharwa chete nekuda kwezvikonzero zvinokonzerwa nemabasa asina hanya anoitwa naiye anonzi insured (subcontractor) paanenge achiita basa kumusangano mukuru. Kuti ifukidzwe, zvinodaro zvinofanira kunge zvinosanganisira kusaremekedza pane chikamu chemunhu anonzi inshuwarisi.