Muenzaniso
Bhizimisi riri kuuya paPete's Plumbing Supplies. Vatengesi yakawedzera zvakanyanya gore rapera kuti Pete aifanira kuunganidza vaviri vatungamiriri venyaya. Pete akakurudzirawo Jane, anoshanda kwenguva yakareba, kune imwe nzvimbo yekutungamira. Pete anofadzwa nevashanduri vanochinja uye anofunga kuti vashandi vake vakafanana.
Nokudaro, anoshamiswa paanoshumirwa nemhosva yekusarurwa kwebasa.
Susie, muchengeti, akashanda paPete semumiriri wekambani kwemakore akawanda. Susie anotaura kuti ari nani anokwanisa kupfuura Jane kuitira nzvimbo yekuchengetedza. Susie anotaura kuti apo Pete akasarudza Jane kuti akurudzire, akasarura Susie kubva pakuberekwa kwake (Susie akanga ane pamuviri mugore rapera). Susie anorayira madhora makumi mana emadhora makumi maviri nemakumi mashanu ekubhadharisa musiyano pakati pemari yake yezvino uye kubatsirwa, uye avo vaakagamuchira dai akatsigirwa.
General Liability Coverage
Bhizimisi raPete rinochengetwa kuti rive mutoro mukuru pasi pemutemo wakapiwa neThe Reliable Insurance Company. Pete akaverenga sarudzo asi haagoni kuwana chero zvingabviswa maererano nekusarura. Anogumisa kuti kudai kunofanira kuvharwa uye kuendesa kuKavimbika. Pete akavhiringidzika apo inshurenzi inoramba kuratidzira. Sei kubvunzwa kusati kwafukidzwa?
Pane zvikonzero zviviri zvinoita kuti kuda kwaSusie kusati kwavharwa. Chokutanga, mutongo waSusie uri kutsvaga kukanganisa kwekurasikirwa kwezvemari sekubhadhara shure, kurasikirwa kwemari yeramangwana uye kurasika. Kuti ifukidzwe pasi pemutemo mukuru wekutonga, kudai kunofanira kutsvaga kukanganisa kwekukuvara kwemuviri, kukanganisa kwepfuma kana kuti munhu wega uye yekuparadzira kukuvara .
Sezvo kutongwa kwaSusie kusati kwamboreva chero rudzi rwekuvhiringidzika, sutu haina kubvongerwa.
Zvimwe zvinokonzera kusarura zvakapiwa nevashandi kutsvaga zvinokonzera kushushikana kwepfungwa, kukuvadza mupfungwa, kushushikana mupfungwa uye mamwe marudzi ekukuvara mupfungwa. Kunyange zvazvo mamwe maitirwo emitemo akavhara vamwe kukuvadzwa kwepfungwa kuburikidza neshoko ravo rekukuvara mumuviri , izvi zvinokuvadza zvinowanzovharwa chete kana zvikakonzerwa nekukuvara mumuviri. Zvinotonyanya kukosha, kumhan'ara kwomuviri kunowirwa nevashandirwi nevashandi havakwanisi pasi pehutano hwemhosva kuburikidza nevatori vemhosva yekuregererwa .
Pane chikonzero chechipiri nei kuda kwaSusie kusina kuvharwa. Zvose zvinokonzerwa nemitemo inobatanidza kukuvara kana kukanganisa kunokonzerwa nechiitiko (chiitiko chinowanzoitika). Rusarura rukuru runodaro runobva pamabasa echiito anoitwa nevashandi. Sezvo zvisingabvi pamatambudziko, zvirevo zvakadaro hazvifukidzwi nemutemo. Muchiitiko chinotevera, sutu yaSusie inobva pane zvakaitwa naPete (kukurudzira Jane pane Susie). Zviito zvake zvaiva nemaune, kwete pakarepo.
Kusarura kusingawaniki
Izvo zvinowanikwa muhuwandu hwehutano hwematongerwe enyika hazvibvise zvakananga zvikonzero zvinobva pakusarura. Kunyange zvakadaro, vazhinji ve-inshuwarisi vanobatanidza kusununguka kwakasiyana kwekunamatira .
Kusarura kunowanzosarudzwa sechikamu chebasa rekuita basa rekuregererwa . Vatsigiri vakawanda vanoshandisa chirongwa cheIO chekugadzirisa chinokonzera kugadziriswa kwekusarura uye mamwe mabasa ekugadzirisa pasi peBoddi Injury uye Imba Kuipa Kwemhosva uye Kuzvimirira uye Kuparidzira Kukuvadza Kuvharwa kwezvikwereti. Vamwe vatsigiri vekugadzirira vakagadzirira kubvumirana kwavo pachavo.
Kusarura Kusingaenderani Nebasa
Mabhizimisi maduku anogona kutongerwa kusarurwa nevamwe vanhu kunze kwevashandi. Mienzaniso ndivo vatengi, vatengesi, vatengesi nevamwe vashandi vebhizimisi.
Somuenzaniso, fungidzira kuti uyo anotarisira mutengi wePete's Plumbing Supplies anokumbira musangano nemumiririri wekutengesa kambani. David, imwe yekutengesa kwaPete, inofamba kuenda kuhofisi yevatengi kune musangano wekutengesa.
Dhavhidha ane rusarura rwemunhu oga kune boka revanhu iro mutengi wacho ari. Mushure mekudaidza mutengi rudzi rwemhuri, David anomuudza kuti "Pete haana kuita bhizimisi nevanhu vakaita saiye". Mushure mokunge musikana anogamuchira Pete's Plumbing Supplies nokuda kwechisarura.
Kusarura Chinyorwa Pasi Pamuviri Pfungwa
Nharaunda yemamwe marudzi echisarudzo inowanikwa pasi pemamwe maambura emitemo . Kana kusarura kuri kuvharwa, kunosanganisira pasi peBhuna neKushambadzira Kupa Mhosva, kwete Bodily Injury uye Property Damage Liability. Uyezve, kupararira kunowanzoshanda kune kusarura izvo zvisingawirirani nebasa.
Vamwe vanoti mitemo inorambidza inshuwarisi inosanganisira zviito zvekusarura. Nokudaro, amburera inogona kutaura kuti inosanganisira kusarura chete kusvika pamwero iyo inshuwarisi inobvumirwa nemutemo.
Kunze kwekusarura, mamwe mabasa kana kukuvadzwa angave akafukidzwa nemurazi kuburikidza netsanangudzo yega yega uye yekuparadzira kukuvara . Mienzaniso inorwadza mupfungwa, kukuvara mupfungwa, kunyadziswa uye kushamiswa.
Basa Rokuita Inosungirirwa Nehutano
Zvikwereti zvinobva pakusarura uye mamwe maitiro emabasa ndeyekuchengetedzwa pasi pebasa rekuita basa (EPL) . Chinhu chiduku cheEPL chinyorwa (zvinowanzoita $ 10 000) chinosanganiswa mune dzimwe mapurogiramu emapurisa anotengeswa kumabhizimisi maduku. Kana hurongwa hwako husingatauri kugoverwa kweEPL, yako insurer angapa iko kuburikidza nekubvumirana kana mutemo wakasiyana.