Kubatsirwa uye Kukanganisika
Izvo zvinoreva ISO BOP ine mapeji ekuzivisa, fomu yeBOP, inowanzo mamiriro ezvinhu , uye imwe kana zvimwe zvinotsigirwa .
Iyo nhepfenyuro inopa mbiri mbiri dzakakosha kumabhizimisi maduku: kugoverwa uye mutengo. BOP inopa huwandu hwekupararira kwepamusoro yakaderera. Chikamu chemuzinda chinosanganisira zvikamu zvakaita sebhizimisi mari iyo isingabatanidzi zviri nyore pasi pemaitiro evhudziro rezvematongerwo emari. Chikamu chemhosva chinopa maitiro akafanana ehupfumi sezvinoenderana nesangano reIO rezvemabhizimisi evanhu vose (CGL).
Kunyange zvazvo BOP inogona kuchinjwa kana kuwedzerwa nekuwedzerwa kwezvibvumirano, haisi sekushandura sezvinoenderana nepurogiramu yemapato. IIOO BOP inosanganisira zvivako uye zvikwereti zvese zvinotarisirwa. Muenzaniso wepakati unogona kusanganisira zvekutengeserana pfuma, mutoro wevanhu vose, mutengesi wemabhizimisi, inland marine, kuparwa kwemhosva, uye mhizha dzehupfumi hwepamusoro . Zvimwe zvizhinji zvinotsigirwa zviripo zvekugadzirisa purogiramu yakawanda kupfuura BOP.
Vamwe bhizimisi vachawedzera dare rezvemhizha kana basa rekuita mutoro weBOP.
Kana uri kutengesa BOP uye unoda zvidzidzo izvi, tsvaga inshuwarisi iyo inosanganisira iyo mumutemo.
Eligibility
Kuti zvikwanise kugoverwa pasi peBOP, mabhizimisi maduku anofanira kusangana nezvimwe zvinoda. Izvi zvinowanzosiyana kubva kune mumwe mubhadhari kune imwe. Mhando dzakawanda dzebhizimisi dzinokodzera BOP.
Mienzaniso ndiyo mahotera uye motels, mabhizinesi ekugadzira, mabhii ezinyorwa, mabhizimisi ezvokutengesa, mabhendi, uye nyama vese vanotengesa. Zvokudya zvinokurumidza kudya, maresitorendi, mabhukwa e-sandwich nezvimwe zvikamu zviduku zvekudya zvinowanzokodzera kana vachiita zvishoma zvokubika. Zvikwangwani zviduku zvinopinda mukuvakwa kwekugara, kuveza, kuomeswa kwemvura kana basa rekugadzirisa zvinhu zvinokodzerwawo neBOP.
BOP inogona kushandiswa kuchengetedza dzimba, maigara makondomu, mahofisi ehofisi, nedzimwe zvivako zvinoshandiswa kutengesa, kutengesa, kushanda, kana kugadzirisa zvinangwa. Zvisinei, zvivakwa hazvikwanisi kudarika zviyero zvishoma zvemasimba. Somuenzaniso, zvivako zvehofisi hazvikwanisi kuva zviduku kupfuura nhanhatu nhatu kana 100 000 makumbo mana. Saizvozvowo, zvivako zvinoshandiswa zve mercantile, wholesale, processing, kana kushanda zvisingakwanisi kudarika makumi matatu nezviuru makumi matatu.
Mamwe mabhizimisi haakodzeri BOP nekuda kwehukuru hwavo kana maitiro emabasa avo. Mienzaniso inzvimbo dzakakwirira-dzakasimuka, vanogadzira, vatengesi vemotokari, mabhizimisi ekugadzira motokari, miti inogadziriswa, mabhangi, mabhiji, magaraji echitoro, uye masitere.
Commercial Property Coverage
Chikamu chemuzinda wepurogiramu yakatarwa yeBOP yakafanana zvikuru neIO commercial commercial policy. Inobatanidza mienzaniso inotevera yeimba:
- Zvivakwa zviri panzvimbo yakarondedzerwa mune kuzivisa, kusanganisira mitambo nemichina inogadzirirwa zvachose
- Bhizimisi pfuma yako iri muzvivako zvakafukidzwa
- Vashanduri vanovandudzwa uye zviri nani
- Pfuma yevamwe vanhu
- Kuvaka girazi rine iwe kana kuti uri muchengeti kana iwe uri muridzi weimba
BOP inosangana nekurasikirwa kana kukanganisa chero dambudziko risina kunyatsorongedzerwa muchikamu chisingawaniki chemurairo. Izvo zvakagadzirwa muBOP zvakafanana kune izvo zvakawanikwa mu "panjodzi dzose" purogiramu yemiti.
Zvimwe Zvinyorwa
Rimwe ruzivo rweBOP nderekuti rinosanganisira zvinongororwa zvinyorwa zvinowanzowedzerwa nekubvumirwa pasi pechirongwa chepamutemo cheimba. Mimwe mienzaniso yakanyorwa pasi apa. Zvizhinji zvezvikamu izvi zvakabatanidzwa pamwero wakadzika. Zvimwe zviviri ndezvipi zvebhizimisi uye mari inowedzera.
Hapana mitsara chaiyo inoshandiswa kune idzi zvinyorwa. Iyo mitemo inobata kurasikirwa kwemari inotsigirwa uye / kana mari yakawedzerwa inowanikwa mukati memwedzi gumi nemaviri akatevedzana mushure mezuva rokurasika kwenyama.
- Bhizimusi Kuwana Mari
- Zvimwe Zvimwe Zvinodhura
- Civil Authority Coverage
- Mapeji anokosha
- Accounts Receivable Coverage
- Electronic Data
- Zvitsva Zvakawanikwa Pfuma
- Kukanganiswa kweKombiyuta
- Fungi (Mold)
General Liability Coverage
Kufanana neIOO CGL, BOP inosanganisira zvikwereti zviviri zvebato rezvemhosva: Bodily Injury uye Property Damage Liability uye Bhuku uye Kuparidzira Kukuvadza Mutoro . BOP inopa zvikamu zvose zviri pasi pechibvumirano chimwe chekusimbisa. Izvo zvinokonzerwa zvisingawaniki muBOP zvakakosha zvakafanana nezvakawanikwa muCGL. Kufanana neCGL, BOP inopa humwe huwandu hwekuvharidzira kuburikidza nemamwe kunze kwekutsvaga. Mienzaniso inosungirwa mhosva , kugadzirisa zvinodhaka zvinodhaka , uye kukanganisa kuvakwa nzvimbo .
BOP inosanganisira Medical Payment Coverage , iyo inobhadhara mari yekurapa inowanikwa nevanhu vakakuvadzwa nemhaka yebasa renyu rebhizimisi. Kurapa Kwechiremba Coverage inobhadhara chikwereti kune avo vakakuvadzwa musingabvumirwi mhosva.
Chibvumirano Chokutengeserana
Mamwe mabhizimusi angada kuwedzera mitemo yepamusoro kune iyo inopiwa neBOP. Nenzira inofadza, vazhinji vezvekumutsigira vanopa maambura ekutengeserana anogona kunyorwa pamwe neBOP.