Chiitiko chezviitiko chinowanzoshandiswa muvashandisi yemari inishuwarenzi. Inoshandiswa zvakare, kusvika pamwero muduku, kune dzimwe mhando dzehutachivhu hwenishuwarenzi , zvakadai semhosva yepamusoro , mutoro wezvokutengeserana zvemabhizimisi uye mutoro wemhizha .
Nyaya ino inonyanya kushandiswa pakushandiswa kwayo mumagadziro ekubhadhara vashandi .
Chinangwa
Chiitiko chezviitiko chakavakirwa pane pfungwa yokuti vashandi vanofanira kukweretwa muhomwe iyo inonyatsojekesa ngozi dzavo. Zviitiko zvehuwandu hwezvirongwa zvinofananidza vashandi kune vamwe vashandi mune rimwe boka rebazi. Izvi zvinoreva kuti vagadziri vanofananidzwa kune dzimwe dzimba, uye mabheka anoenzaniswa nemamwe mabhekaji. Kurasikirwa kweruzivo rweboka rimwe nerimwe kwakaenzana. Chero rimwe nerimwe kurasikirwa kweruzivo ruzivo runoenzaniswa nehosi yekurasikirwa kwechiitiko. Kubva pakuenzanisa uku, chiitiko chinogadzirisa chinotarirwa kune umwe neumwe mushandi.
Vashandi vanorasikirwa neruzivo rwakanaka kudarika boka rechiyero vanowanzopiwa ruzivo rwechigadziro runenge ruri pasi pe 1.0. Sezvakatsanangurwa pasi apa, shanduko inowanikwa neyo premium. Nokudaro, chigadziri icho chisingapfuuri 1.0 chichaita chikwereti. Vashandi vane ruzivo rwakaipisisa kudarika mavhareji vanowanzopiwa shanduko inopfuura 1.0.
A modifier iyo yakawanda kupfuura 1.0 ichaguma ne debit.
Chiitiko chezviitiko chinopa kukurudzira mari kune vashandisi kuderedza kurasikirwa, zvichida nekushandisa purogiramu yekuchengeteka. Inokurudzirawo vashandirwi kudzoka vashandi vakakuvara kuti vashande nekukurumidza. Kune vashandi vanobhadhara mabhizimisi , ruzivo rwehutano hunoita kuti purogiramu yakawanda inounganidzwe kuti ivhare njodzi dzinopihwa.
Chiitiko chezviitiko chiri kuitwa nevashandi vekugadzirisa mahofisi office. Muna NCCI inotaura, basa iri rinoitwa neCNCI. Mune hutongi hwehurumende uye hutongi hunoti , ruzivo rwezviitiko runoitwa nehupfumi hwehurumende.
Premium Calculation
Kuti unzwisise ruzivo rwehutano, iwe unofanira kutanga uchinzwisisa kuti vashandi vanobhadhara mari yepuraimari vanoverengerwa sei. Zvikomborero zvinotarisirwa nokuwedzera chiyero nguva imwe neimwe $ 100 yebhadharo yevashandi. Somuenzaniso, ngatitii mari yako yebhadharo iine $ 500,000 uye chiyero chiri $ 1. Nhamba yako yekutanga ichave (500,000 / 100) X 1.00 kana $ 5000. Iyi premium inonzi manual premium . Aya mazwi anoratidza kuti hapana chiitiko chinogadzirisa chisati chashandiswa. Apo chiitiko chinogadziriswa chinoshandiswa kune premium manual, chigumisiro chinonzi premium yaive.
Classification System
Pamberi pebhizimusi remari yevashandi ingakonzerwa, bhizinesi rako rinofanira kugoverwa rimwe kana kuti mamwe maitiro . Ngatitii kambani yenyu inoita mabasa ehufundisi kune mamwe mabhizinesi. Vakawanda vevashandi venyu vakagoverwa kuClerical Office Workers. Nhengo yako inoshandisa kunze vatengesi kuti vawane vatengi vatsva.
Chikamu chimwe nechimwe chinopiwa nhamba ine nhamba ina yekureva inonzi ikhodi yekirasi .
Nhamba yeCCCI yeklasi yeClerical Office Workers ndeye 8810. Vashandi vako vekutengesa vakapiwa basa rakasiyana, iro 8742. Mubhadharo wevashandirwi wako uchagoverwa pakati pezvikamu zviviri, uye chiyero chakasiyana chichashandiswa kune mumwe nomumwe.
Experience Rate Calculation
Chiitiko chezviitiko chinowanzobva pamakore matatu emakore anonzi chiitiko nguva . Iyi nguva inowanzobatwa nemakore matatu isati yasvika nguva yako yakapedzisira yapera. Semuenzaniso, funga kuti ikozvino vashandi vekubhadhara mitemo inotangira kubva munaDecember 31, 2015/2016. Chiitiko chinogadzirisa chinoshandiswa pamutemo wenyu wezvino chichaverengwa kubva panguva yaDecember 31, 2011 kusvika musi waDecember 31, 2014. Zvitauriri zvakaitika mugore ra2014 kusvika muna 2015 hazvitarisirwi nokuti vamwe vavo vangave vachiri kuvhura.
Chiitiko chinogadzirisa chinorongwa gore negore. Inowanzo (asi kwete nguva dzose) inobudirira paunotangira zuva rehutano hwako . Zvaunogona kuchinja zvinogona kunge zvisingasviki, zvakakura kudarika, kana zvakaenzana ne "1." A modifier ye "1" zvinoreva kuti kurasikirwa kwako ruzivo rwakawandisa kune boka rako rebazi. Iko ndiko kuti kurasikirwa kwako nhoroondo hakusi nani kana kuti kwakaipisisa kupfuura mamwe mabhizimisi akafanana neako. Bhuku rako remutengo premium richaramba risina kuchinja. Kana kuchinja kwako kwakawandisa kupfuura 1, kurasikirwa kwako kwakaipisisa kwakawanda kudarika zviyero zveboka rako rebazi. A modifier iyo yakakura kupfuura 1 inomiririra kubhadhara sezvo ichawedzera premium yako. Saizvozvowo, kushandura zvishoma kwe1 zvinoreva kurasikirwa kwenhau iyo iri nani kudarika mavhareji. Chigadziriswa chepasi pasi pe1 chichatanga kupera kwekutanga.
Chiitiko chinogadziriswa chinoshandiswa kune bhuku revashandi reparamisi yekubhadhara kuverenga yako premium premium. Pamusangano wega wega, iyo inshurenzi inotora purogiramu yako yepurogiramu nekuwedzera kuwandisa nguva dzebhadharo, iyo yakakamurwa ne100.
Somuenzaniso, fungidzira kuti bhizinesi rako rakarongerwa muzvikamu zviviri. Mubhadharo wegore negore wekutanga wekutanga ndeye $ 300,000 uye chiyero chiri $ 1.25. Nokuda kwechipiri chechipiri, mubhadharo iine $ 100,000 uye chiyero chiri $ 3. Bhuku rako rekutanga premium richave 300,000 / 100 X 1.25 uye 100,000 / 100 X 3.00 ($ 3750 uye $ 3,000) kana $ 6750. Kana ruzivo rwako ruchichinja ndi .90, yako premium premium iri $ 6750 X .90 kana $ 6075. Mamwe masangano anowedzera kubhadhara kana kuongorora iyo inoshandiswa kutsigira hurumende yekuchengetedza mari. Apo kuwedzera uku kuri kushanda, kunowedzerwa kuhomwe yako yepamusoro. Chigumisiro ndicho chikamu chako chekupedzisira.
Chiitiko chekuchinja chinogona kunge chiri mukati kana mukati. Kana iwe uine maitiro mune maviri kana kupfuura NCCI inotaura, NCCI ichakupa mutsetse wekambani. Kana iwe ukashanda mune imwe yenyika NCCI, NCCI ichabudisa gadziriro yeprastate. An intrastate modifier ichagoverwa nehurumende ipi zvayo yakasununguka yaunoshandisa.
Eligibility
Chiitiko chinowanzoitika chinoshanda chete kune mabhizimisi anowirirana nehurumende anodiwa. Mitemo inosiyana kubva kune imwe nyika kuenda kune imwe nyika. Munyika dzakawanda, bhizinesi rakakodzerwa nehuwandu hwemashoko chete kana yakange iri mune bhizimisi kwenguva yakatarwa (yakadai semakore matatu). Makambani matsva haakodzeri. Nyika dzinodawo huwandu huwandu hwenheyo mukati mehuwandu hwemakore. Somuenzaniso, fungidzira kuti mabhizimisi akakodzera kuwana ruzivo rwehutano munharaunda yako kana vakawana imwe yezvinotevera:
- $ 10 000 muhutano hwekubatana kwemakore maviri emakore achangobva kuitika nguva; kana
- muvhareji wepamusoro we $ 5,000 pagore kana ruzivo rwepanguva runopfuura 2 makore
Kana ma-premium yako aiva $ 4500, $ 5500 uye $ 4800 panguva yeizviitiko, iwe unogona kukwanisa kuwana maitiro ezvokutanga maererano nekutanga.
Rating Worksheet
Apo NCCI kana hurumende yehurumende inoburitsa ruzivo rwekuchinja, iyo sangano inopa ruzivo rwehuwandu hwemashoko . Pepa rekunyora rinoratidza kuti yako modifier yakaverengwa sei. Inonyora nhamba dzekodhi dzinoshandiswa uye dzinobhadharwa nemari, mazita ekuverengera uye kurasikirwa kunoshandiswa muhuwandu. Cherechedza kuti kana iwe wakatora kurashikirwa kukuru, chikamu chimwe chekurasikirwa uku chinowanzobatanidzwa mukuverenga kwekuchinja kwako. Kana uchinge wawana kurasikirwa kwishomanana, zvose zverasi iyo inogona kuiswa muhuwandu. Nokudaro, iwe shanduko yako inowanzoshungurudzika kana iwe wakatora mararamiro mashomanana akawanda pane imwe huru.