Nenzira Dzakagadzirisa Kurwisa Media Makambani Asina Kuvharwa neCGL
Kufanana nemabhizinesi mazhinji, kambani yako ingangove yakachengetwa pasi pezvokutengeserana mutoro mukuru (CGL) mutemo.
A CGL inosanganisira zvikwereti zvinobva kune dzimwe nzira dzinofungidzirwa pasi pehupfumi hwehutano hwevanhu pachavo uye hwekuparidzira (inonzi Bhuku B). Izvi zvinoshandiswa pamitemo inopesana nebhizimisi rako rinobva kune chero mhosva iyo inowanikwa mukutsanangurwa kwehuga nehuwandu hwekuparidzira . Sei bhizimisi raigona kuda inshuwarisi yemhosva yema media kana maitiro echinangwa akavharwa neCGL?
Bhuku B rinonyanya kusabatanidza chirevo, kuchera, uye zvimwe zvikanganiso zvakasiyana kana zvikaitwa nemabhizimisi anobatanidzwa mukushambadzira , kudhinda, kuparidzira, kana zvimwe zvakafanana. Mabhizimisi anoshanda mumitambo yakabatanidzwa nevanhau haazovi nekutaridzirwa kwezvivi zvakadaro kunze kwekuti vatenge inshuwarheni yemhosva yehutano.
Mienzaniso Yezvakawanikwa Zvakaitwa
Heano mienzaniso yehutano yveshuwarisi yemhosva inofanirwa kuvhara:
- Imwe kambani yekubudisa mafirimu inosungirirwa nokuda kwekodzero yekuvhiringidzwa nemuparidzi wemimhanzi anotaura kuti kambani yekugadzira yakashandisa rwiyo mufirimu risina kuwana reisensi kubva kumuparidzi.
- Imwe nyanzvi yepaIndaneti inoparidzira kusarudzo kwakaipa kwekafa. Munyori anokakavadzana kuti resitorendi yakakundikana kudarika kuongororwa kwehutano huchangobva kuitika nekuda kwekaku kupera. Mutengi weCafe anotonga pepanhau uye munyori wezvokupomera, achikakavadzana kuti izvo zvinopomerwa zvenhema uye zvakakonzera cafe kurasikirwa nevatengi.
- Mucheri munyori wechekuita neshamwari yezvematongerwe enyika nokuda kwekuwana "tsvina" yebhuku rinotevera. Mutori wenyika haazive nezvekuda kwemunyori uye anogovera ruzivo rwomunhu oga. Uyu munyori wenyaya anobudisa ruzivo mu blog pane webhusaiti yake, uye vezvematongerwo enyika vanomubvunza kuti apinde muvanze.
- Fantastic Firimu ibhuku duku rakasununguka rekubudisa firimu rinoshandisa ikirango ine mavara maviri eFs anowirirana. Mupikisano anotanga kushandisa ikirango iyo inewo kuwirirana Fs. Fantastic sues mupikisano wekutengeserana kwekodzero.
Media Liability Coverage
Mutoro wezvakavanzika kuvharidzirwa rudzi rwekukanganisa uye kusasirwa kweinishuwarenzi yakatengwa nevaparidzi, vatashambadziri, masangano ezvitambo, vanyori, uye mamwe mabhizimisi anogadzira kana kupa zvinyorwa. Inowanzonyorwa pamitemo inopomerwa , asi zvimwe zviitiko zvinowanika. Inishuwarenzi yemhosva yemaMedia inowanzobatanidzwa mumutemo wekunyorwa kwebhiyo .
Vazhinji vezvematongerwo emitemo vane mitemo yakavhara zvinyorwa zvakatsanangurwa, zvinoreva kuti vanofukidza mhando dzematare akanyorwa mumutemo. Mitemo inowirirana zvakasiyana, uye maitiro akafukidzirwa nehurongwa humwe haufaniri kuvharwa nomumwe. Mimwe mitemo inobata maitiro akawanda asi vamwe vanofukidza zvishoma.
Heano mamwe ematauriro anowanzowanikwa pasi pehutano hwemitambo:
- Libel, kuchera, kupandukira , kusagadzirwa kwechigadzirwa, uye kutengeserana
- Kuvhiringidzwa kwehupombwe: izwi rimwechete rinosanganisira maitiro mana akaparadzana: kunyanya kuvharwa, kusashandiswa kwezita kana kufanana, kubudiswa kwepachena kwezvokwadi, uye chiedza chenhema
- Hazvina hanya nekunyengera kudzvinyirira kushungurudzika mupfungwa, kutsamwa kana kusazvibata
- Kupesana kana kubudiswa kwekutengeserana, shanduro, zita rekutengeserana, rekushongedza, basa rekucherechedza, kana zita rebasa
- Kushandurwa kwekodzero, kuvhiringidza, kana kushandisa zvisina kunaka pfungwa
- Kusungwa kwenhema, kusungwa kana kuiswa mujeri , kushungurudzwa kwehurongwa, kana kushungurudzwa kwakaipa
- Kupinda kunonyangadza kana kubviswa, kudarika, kana kupinda kwekodzero yekugara pamba
Kudzivirira uye Claim Settlement
Zvinenge zvese mitemo yemitemo inosanganisira mitemo yekudzivirira. Izvi zvinoreva kuti vanovhara mari yekutsvaga, kudzivirira , uye kugadzirisa zvikwereti zvakaiswa kune anishuwarenzi.
Mimwe mitemo inodzivirira kuchengetedza inodhura kunze kwekamuro uye dzimwe dzinosanganisira iyo mari mukati memuganhu. Mutengo wekudzivirira mhaka yemhosva yevhidhiyo inogona kuva yakakura, uye mari inowedzera nokukurumidza. Iva nechokwadi chekutenga muganhu wakakwana we inshuwarisi. Izvi zvinonyanya kukosha kana muganhu wenyu uchatapudzwa nemari yekudzivirira.
Mitemo yakawanda yemitemo inosungirirwa inosanganisira kubvumidza-ku-kugadzirisa zvinhu, izvo zvinoreva kuti inshuwarisi haichagadziri mvumo kunze kwemvumo yako. Zvinosuruvarisa, urongwa uhwu hunowanzoteverwa ne "nyundo yenyundo."
A "hammer clause" inopa chirango kana iwe ukaramba kubvumirana nekugadzirisa zvinogamuchirwa nemubhizimisi uye muchengeti. Chinyorwa chinowanzoitwa nyundo chinotaura kuti kana iwe ukaramba kubvuma kugadziriswa kunoitwa nemubhizimisi, mari iyo mubhadhadziro achabhadhara mari yacho ichaderedzwa. Semuenzaniso, iyo inshurensi haigone kubhadharisa kudarika chikamu chekugadziriswa kwakasarudzwa pamwe nezana (asi 50%) yekukuvadza uye kubhadhara mari iyo inopfuura chikamu chekugadzirisa.
Limits uye Deductible
Mitemo yemhosva yeMedia inowanzo ine deductible (kana kuchengetedza ) iyo inoshandiswa kune imwe neimwe kudai. Iyo deductible inomiririra mari yaunofanira kubhadhara kunze kwehomwe. Inogona kusanganisira zvose zvinokuvadza uye kuda mari.
Mitemo yakawanda yemitambo inosanganisira mitemo miviri: a "pamutemo" chidimbu uye chikamu chakawandisa. Izvo "chirevo chekuda" muganhu ndiyo ndiyo inonyanya kubhadhara mubhadhadziro kune imwe chete kudai kana kuti boka rezvirevo zvine chokuita. Muganhu wepakati ndiyo ndiyo inonyanya kubhadhara mubhadhadzi wezvose zvinenge zvaitwa munguva yehurongwa.
Exclusions
Heano zvimwe zvikonzero izvo zvinowanzoonekwa mumitemo yemitemo. Iri haisi rondedzero yakakwana.
- Criminal Acts . Kunyange zvazvo zviito zvemhosva zvinowanzobviswa, mubhadhari wako anogona kukudzivirira pamhosva yepamhosva kusvikira iwe uine mhosva nemutongi kana juri, kana iwe unobvuma mhosva yacho.
- Bodily Injury or Property Damage . Chimwe chinhu chinogona kushandiswa kune zvirevo zvinoreva kushungurudzika kwepfungwa zvinokonzerwa nekukanganisa kwakavharwa.
- Mutengo Wekugadzirisa, Kuchengetedza, Chekuchengetedzwa Kwematongerwo Enyika Mitemo yakawanda inosanganisa kukanganisa kwezvokurwisa, kuvhiringidza, nekuchengetedza mitemo.
- Pentent Infringement .
- Kuputsa Kwechibvumirano . Mitemo yakawanda inosanganisira kunze kwekuputsa kwechibvumirano chekuvanzika chawakaita nechabva.
- Basa Rokuita. Kunosanganisira zvirevo zvekusarura, kushungurudzwa, uye mamwe mabasa emabasa
Zvimwe Zvimwe Zviitiko Zvinokosha
Paunenge uchitsvaga mutemo wezvokuita zvemitambo, kune zvimwe zvishoma zvingasarudzwa zvaunofanira kufunga. Chokutanga, iva nechokwadi chokuti tsanangudzo ye "kurasikirwa" kana kuti "kukanganisa" mumutemo inosanganisira kukanganisa kurangwa. Chechipiri, tarisa hurumende ine chirevo chekudzorera. Iri gwaro rinowanzoreva kuti iwe (iyo inshuwarisi) une kungwara chete kusarudza kana kururamisa kana kubvisa zvinyorwa zvatove zvagoverwa.
Chechitatu, mitemo yakawanda yemitambo inoparadzanisa kuparidzira kune zvinyorwa zvinobva kune mamwe marudzi emabasa. Izvi zvingave zvichitsanangurwa mumutauro wakatsanangurwa se "mitambo yezvigadzirwa." Mienzaniso yezvinhu zvakafukidzwa zvinowanzobatanidza kuunganidza, kusika, kudhinda, kana kuparadzira kwehupenyu. Paunosarudza purogiramu, iva nechokwadi chekuti mutemo unobatanidza zvinhu zvekambani yako.
Pakupedzisira, vaparidzi vehurukuro kana vaparidzi vangave vachirohwa nemirairo yavakarayira kuti varege kubudisa kana kugovera rumwe rudzi rwehutano. Mimwe mitemo inobata mari yekuteerera nemirairo.