General Liability Mitemo
Zvose zvinowanzotarisana nemitemo yakafanana (kana isingafananidzi) kuIO fomu yemhosva yepamusoro yepamutemo (CGL).
ICGL inoreva ndima inoparidzirwa mune zvibvumirano zvekusimudzira pasi peChipiri A uye B. Pasi peKutika A, inotaura kuti kukuvadzwa kwemuviri kana kukanganisa kwepfuma kunongowanikwa chete kana kunokonzerwa nechiitiko chinowanikwa munharaunda inoshandiswa. Saizvozvowo, Bhuku B rinotaura kuti kukuvara kwevanhu pachavo uye kushambadzira kunovharwa bedzi kana kuchikonzerwa nemhosva inoparidzirwa munharaunda inoshandiswa. Nokudaro, hapana kugoverwa kunowanikwa pasi pemutemo wekutaura kunozoitika chero zviitiko chero chipi zvacho kana mhosva inenge isina kuitika munharaunda inoshandiswa.
Meaning of Coverage Territory
Tsanangudzo yenharaunda yekuparidzira muCGL ine zvikamu zvitatu:
IUnited States of America (kusanganisira nharaunda dzayo uye zvinhu), Puerto Rico neCanada CGL inonyanya kuitirwa kugadzirisa zvikonzero zvinokonzerwa nezviitiko zvinowanzoitika muUnited States. Nezvishoma zvishoma (zvakataurwa pasi apa), hazvirevi zvemhosva dzinobva kune ngozi dzinowanikwa kune dzimwe nyika.
Mvura yepasi rose kana nzvimbo yekudenga kana kukuvadzwa kana kukanganisa kunoitika apo munhu kana pfuma iri kufamba pakati peU.SA, Puerto Rico neCanada Iri gwaro rinonyatsoratidzwa nemuenzaniso. Ngatitii mushandi wenyu ari pamba rebhizimisi. Paaifamba nendege kubva kuNew York kuenda kuPuerto Rico, mushandi wacho anokanganisa nhumbi yomumwe mutakuri.
Panguva iyo kukanganisa kunoitika, ndege iri kubhururuka munzvimbo dzepasi pose. Kana muridzi wezvinhu zvakakanganiswa akashingai mushandi kana kuti yakasimba kuti uwane pangozi yemugove, kudai kunogona kuvharwa nehutano hwako.
Kwose kupi munyika, kune imwe nyika kunze kweU.SA, Canada nePuerto Rico Kugoverwa kwenyika yose kune kukwana kune zvitatu zvezvikwereti. Inoshanda chete kune kukuvara kana kukuvara kunobva kubva:
- Chigadzirwa chawakaita kana kutengeswa muU.SA, Puerto Rico kana Canada. Somuenzaniso, kambani yako inogadzira shangu muUnited States uye inotumira kunze kuEurope. Mumwe mutengi muGermany anotenga chigadzirwa chako uye ozoisa mutero wezvakagadzirwa pamutemo pakurwisana newe. Anotaura kuti chitsitsinho chikabva kune rimwe shangu, zvichiita kuti awire uye anotsigira kukanganisa musoro kwakakomba.
- Nzira yebhizimisi yenguva pfupi yakagadzirwa newe kana imwe inshurenzi Somuenzaniso, uri kushanyira muteresi pahofisi yake muItaly. Iwe unokanda fodya mukati mezvipfeko uye unotangisa kutanga moto muhofisi. Muteereri anokumbira firm yako kuti uwane pangozi yeimba.
- Kukanganisa kwomunhu oga uye kuparidzira kunoitwa kuburikidza neInternet kana dzimwe nzira dzekukurukurirana kwekombiyuta Somuenzaniso, iwe unyorera chikwata chechigadzirwa chako pawebsite yekambani yako. Mukukwikwidza muSpain anokukumbira iwe kuti utaure nhema . Murevereri anotaura kuti chirevo chako chakanyomba kambani yake, uye inotsvaka $ 50,000 mukukuvara.
Cherechedza kuti tsanangudzo yenharaunda yekuparidzira muIOO CGL inogadzirisa kugoverwa kune zviyero zvinounzwa USA, Puerto Rico kana Canada. Izvi zvinoreva kuti zvipfeko zvinounzwa kune dzimwe nyika (kunze kweCanada) hazvisati zvavharwa . Mune zviitiko zvinotaurwa pamusoro apa, zvipfeko nemunhu anotakura ndege, mutengesi weGermany muchengeti, mutengi weItaly, uye mupikisidzi weSpain aizonyorwa chete kana akauyiswa USA, Puerto Rico kana Canada.
Commercial Auto
Iko inonzi ISO yekutengeserana kwehurumende yemitemo inotsanangura ndima inoshandiswa mumamiriro emitemo . Inotaura kuti njodzi uye kurasikirwa zvakaputirwa chete kana zvikaitika muUnited States of America (kusanganisira nzvimbo dzayo uye zvinhu), Puerto Rico neCanada.
Mutemo unobhadhara zvishoma kubhadhara mari yekubhadhara kwemotokari yakabhadirwa kunze kweSUS pasina mutyairi.
Kuti ifukidzwe, motokari inofanirwa kunge inofambisa motokari dzemotokari (kwete magori) ayo akabhadhara, akabhadhara, akabhadhara kana akweretwa kwemazuva makumi matatu anotevera. Kuti chero chikonzero chipi nechipi kana kuti chifukidzo chifukidzwe, chinofanira kuendeswa kuU.SA, nharaunda dzayo kana pfuma, Puerto Rico kana Canada.
Commercial Properties
Pasi pemazinga eSO commercial commercial policy, kurasikirwa kana kukanganisa kunoputirwa chete kana zvichiitika munharaunda inoshandiswa . Izwi iri rinotsanangurwa seUnited States of America (kusanganisira nzvimbo dzayo uye zvinhu), Puerto Rico neCanada.
Vashandi Vemari
Mutemo weNCCI mushandi wekubhadhara mari haubatsiri nzvimbo inotaridzirwa . Chikamu Chekutanga chebumbiro (Vanobhadhara Vashandi) rinosanganisira mitemo yehurumende iyo yakavhara nzvimbo dzebasa iripo. Mitemo iyi inotarisa kuti kuvhara kunoshanda sei. Vashandi vanobhadhara inishuwarenzi inonyanya kugadzirirwa kuvhara kukuvadzwa kunowanikwa munzvimbo dzinoshandiswa vashandi. Kunyange zvakadaro, vazhinji vanoti hurumende inopa hurumende yevashandi vakakuvara kunze kwekugara kwavo kwemba kana panguva yekufamba kwenguva kwenguva pfupi yekufamba .
Chikamu Chechipiri chemurairo, Employers Liability Inishuwarenzi , inosanganisa kuora kwomuviri kunowanikwa kunze kweUnited States of America, nharaunda dzayo kana zvinhu, uye Canada. Kuregererwa hakuiti kune mumwe mugari kana kuti anogara kwenguva duku kunze kwenyika idzi, ati, pane rwendo rwemabhizimisi kwenguva pfupi. Hapana zvipfeko zvakafukidzwa pasi peChikamu Chepiri kunze kwekuti zvichisvitswa muU.SA, nzvimbo dzayo kana zvinhu, kana kuti Canada.
Zvitemo neNo Definition
Mimwe mitemo yakanyarara sokuti kunoparidzirwa kupi. Kusavapo kwenzvimbo yakatsanangurwa inoshandiswa inowanzosvika mumambura ekutengeserana . Mutemo usingatauri ndima inoshandiswa inowanzofungidzirwa kushandiswa munyika yose.