Kuparadzaniswa kweEngureds clause kunonyanya kukosha apo rimwe bhizimisi rinosangana nerimwe.
Nokudaro, pane dzimwe nguva inonzi inonzi musungwa mutsara wenyaya (kana kuputika masaga). Mune mamwe mazano, chidimbu chinowanikwa pasi pekutaura Kusagadzikana kweVatano panzvimbo pekuparadzaniswa kweInisureds.
Iri kupi?
Kuparadzaniswa kweChitureds clause inowanzowanika mumatongerwo enyika . Mune marongerwo ezvematongerwo ezvematongerwo ezvematongerwo ezvematengesi , asi, inowanikwa muChechi yeDzidziso pasi peshoko re inshuwarisi .
Kuparadzaniswa kweChitureds clause kazhinji inoumbwa nezvikamu zviviri. Chikamu chekutanga chinoshanda kune anonzi insureds anonzi.
1. Ita Pakati Panozivikanwa Mazita Okutsigira
Chikamu chekutanga chekuparadzanisa kweEnsureds clause chinoshanda kune mazita e insureds . Aya ndiwo mapato akabatanidzwa muzvikamu zvekuzivisa nezvehutano hwako. Iyo ndima inovimbisa kuti mutemo unoshanda zvakasiyana kune umwe neumwe anonzi inshuwarisi. Izvi zvinoreva, kana vaviri vanonzi insureds vanopomerwa, mumwe nomumwe achafukidzwa sekuti ndiyo chete inoratidzwa pamutemo.
Kuparadzaniswa kweEssureds clause ine zvinyorwa zviviri zvinokosha.
Kutanga, hazvirevi kumiganhu ye inshuwarisi. Izvi zvinoreva kuti miganhu haina kushandiswa zvakasiyana kune umwe neumwe bhizimisi. Somuenzaniso, fungidzira kuti vaviri vanonzi insureds vanopesana kuti vakuvara mumuviri vakatsigira pane imwe chete. Zvose zvinokanganisa iyo inshuwarisi inobhadhara panzvimbo yevaviri mapato ichave pasi peChiitiko Chega Chechiitiko.
Chechipiri, chirevo chisingashandisi kune mamwe mabasa akapiwa kune wekutanga anonzi inshuwarisi , zvinoreva kuti munhu kana sangano rakarongerwa kutanga mumashoko ekuzivisa. Wekutanga anonzi inshurenzi ane zvimwe zvido, zvakadai sebasa rekubhadhara miriyamu. Kuparadzanisa kweAssureds clause hakuwedzeri mabasa aya kune mamwe anonzi insureds.
Exclusions Applied Separately
Kuparadzaniswa kweEngureds clause kunovimbisa kuti mitemo inosarudzwa ichashandiswa kune mumwe nomumwe anonzi inshuwarisi. Iyi kupatsanurwa kwekuparidzira kunonyanya kukosha apo mumwe anonzi anishuwasi anotonga mumwe. Izvi ndezvokuti zvimwe zvingabvumirwa mumutemo zvinoshanda kwauri , zvinoreva kuti anonzi anishuwarenzi (s). Kana kusina kwekuparadzanisa kweEnsureds clause, zvisiri izvo zvinoshanda kune mumwe anonzi bhizinesi zvinogona kushandiswa kune rimwe. Heano muenzaniso.
Muenzaniso
Bill Jones nemukoma wake, Bob, vari vagovani vemakambani maviri, Jones Creamery uye Jones Manufacturing. Jones Creamery ane chikafu ice cream store. Jones Manufacturing inogadzira zvakanakisisa zvekiki cream. Makambani aya akabvumirana kuti zvose ice cream yakagadzirwa naJohn Manufacturing ichatengeswa pa Jones Creamery's store. Uyezve, iyo creamery inotengesa ice cream yakaitwa naJones Manufacturing chete.
Makambani maviri aya anonzi insureds pane rimwechete rezvemhosva .
Jones Creamery anoshandisa ice cream yayo muhombe iyo inotora muchitoro chekutengesa. Jones Manufacturing inoshanda kunze kwechivako chayo chaicho chiri kumashure kwechiteshi chekutengesa. Zvose zvinotengeswa nemakambani maviri ndeye inshupu pasi pesimba rimwechete rezvematengesi . Mabhizimisi maviri aya anonzi ma insureds pasi pehutano hwemhosva.
Mangwanani acho humwe usiku, mutariri anoshandira naJones Manufacturing ari kugadzirira kushambidza firiji pasi. Haana kuziva kuti bleach uye ammonia inopisa kana ichibatanidzwa, uye inodurura imwe yega yega mubheka. Iye zvino anotungamira panze kuti adzore tsvina. Maminitsi mashomanana gare gare chisanganiswa chinoputika. Hapana munhu anokuvadzwa asi chikamu chechivako chemafekitari chakaparadzwa. Nzvimbo yekutengesa haina kukuvara.
Jones Manufacturing inomanikidzwa kuvhara kwemwedzi mina kusvikira chivakwa ichigadziriswa. Jones Creamery inorambidzwa nechibvumirano chekushandisa vamwe vatengesi, saka shamba inofanira kupfigira kwemwedzi mina zvakare. Iko kukanganisa kwefekitari kwakafukidzirwa nefirms 'purojeti yemiti. Zvinosuruvarisa, mutemo hauna kusanganisira kubhadhara mari yebhizimisi .
Mwedzi gumi nemasere mushure mekuputika, Jones Creamery anozviti Jones Manufacturing nekuda kwekurasikirwa kwekushandiswa. (Pasi pemutemo wekutadza, kurasikirwa kwekushandisa kwezvinhu zvinooneka izvo zvisina kukuvadzwa zvinokodzera kuti pfuma isakanganise .) Mhosva inopikisa kuti Jones Manufacturing inokodzera kurasikirwa naJones Creamery yemari. Iyo inotaura kuti kuputika, izvo zvakazopedzisira zvidzivirira kamurikaya kubva pakushanda ice cream store, chaive chigumisiro chekushaya hanya kwevaki.
Kuparara kwePfuma Kuregererwa
Maitiro mazhinji emitemo ane kusabatwa (pasi peBodily Injury and Property Damage Liability) ye "kukanganisa pfuma yaunayo, kubhadhara, kana kutora." Kuregererwa uku kwakagadzirirwa kupedza kubhadharwa kwezvikwereti zvinofanira kuve zvakachengetwa pasi pekutengeserana kwemahofisi emitemo. Kuregererwa kunoshanda kwauri (uyo anonzi insured).
Jones Manufacturing yakasungirirwa naJones Creamery nokuda kwekuparara kwepfuma (kurasikirwa kwekushandisa) kuchitoro chezvitoro. Jones Creamery anotora nzvimbo iyo iyo ndiyo nyaya yezvakataurwa. Vose Jones Creamery uye Jones Manufacturing vanofanirwa newe .
Kana iyo chirongwa chisina kushanda zvakasiyana kune umwe neumwe anonzi inshuwarisi, nzvimbo yekukuvadza kuregererwa inotaurwa pamusoro apa inogona kubvisa kugoverwa kwemhosva yaJones Manufacturing. Nenzira yakanaka, kubviswa kwacho kunofungidzirwa zvakasiyana kune mumwe nomumwe anonzi inshuwarisi. Apo iyo pfuma inokuvadza (kurasikirwa kwekushandiswa) yakaitika, Jones Manufacturing haana kuva nega kana kuti aine pfuma (ice cream store) iyo ndiyo nheyo yemhosva. Nokudaro, kubviswa hakushandisi, uye kudavira kwayo pamusoro pemuiti kunofanira kuvharwa.
2. Inosungirirana Pakati Pezvikwereti
Ndima mbiri yekuparadzaniswa kweEndureds inoshandiswa kugadzirisa pakati pe insureds. Inotaura kuti mutemo unoshanda zvakasiyana kune umwe neumwe bhizinesi iyo ndiyo nyaya yekutaura kana sutu. Iri urongwa rinovimbisa kuti kana Inshuwarhu A inobhadhara Inshuwaridhi B, mutemo uchashanda kune Bhizinesi B sekuti Inishuwarenti A yakanga isipo.
Sei Kuparadzaniswa kweEngureds clause kunokosha? Zvimwe zvezvibvumirano mumutemo zvinotaura nezve "inshuwarisi". "Inishuwarenzi" inowanzoreva inshuwarisi iri kutsvaga kubhadhara kudai kana sutu. Ngatitii Inishuwarenzi A inobhadhara Bhizinesi B yekukuvara kwemuviri . Kana iyo hurongwa isingashandisi zvakasiyana neB, zvisarudzo zvakakosha kune A zvinogona kushandawo kune B.
Muenzaniso
Mishonga yakawanda pakati pe insureds inosanganisira imwe inshuwarisi yakatsigira mumwe anonzi inshuwarisi. Somuenzaniso, fungidzira kuti muridzi wepaimba anonzi Paramount Properties anoshandira Pete's Painting kuti ape purofisi yehofisi Paramount pachake. Chibvumirano pakati peParamount Properties nePete's Painting chinoda Pete kuti avhare Paramount seyezve inshumo pasi pemutoro wePete.
Pete's Painting inotanga kushanda purojekiti. Rimwe zuva, Jeff, mushandi waPete, ari kuisa danho pachivako pedyo nehwindo. Nenguva isipi, hwindo rewindo rinowira pachivako ndokurova Jeff mumusoro. Jeff anosimudzira kukuvadzwa kwepamusoro uye anotora zvinyorwa pasi pePete's Painting's workers compensation policy. Mushure mokunge vatanha vashandi mari yekubhadhara, Jeff akafanirwa mhosva pamusoro peParamount Properties. Sutu yake inotaura kuti firati yewindo haina kubatanidzwa kuchivako chacho. Paramount aiziva izvi izvi zvisati zvaitika asi akange asingakwanisi kumhan'arira Jeff nezvekukuvadza.
Paramount Properties inopindura nekuisa mhosva kune Pete's Painting. Paramount inotaura kuti yakaudza Pete's Painting pamusoro pekudzivirira window window. Pete's Painting yakanga isina hanya mukusazivisa Jeff yehutano saka Pete ndiye ane mhosva yekukuvara kwaJeff.
Vashandi Vanokanganisa Kuvhiringidzwa
Mumuenzaniso uri pamusoro apa, Pete's Painting yakambomanirirwa neParamount Properties nekuda kwekukuvadza kwakaitika kumushandi waPete. Kana Pete atumira sutu kune chikwereti chekuchengetedza, inshurenzi inogona kuramba kuparidzirwa kubva kune vashandi kuregererwa kwebato mumutemo. Kuregererwa uku kunopedza kugoverwa kwekukuvadzwa kwemuviri kunobata basa kune mushandi we inshuwarisi. Kukuvadza kwakagadzikana kwebasa hakubvumirwi nokuti kunofanirwa kuvharwa pasi pebasa rekubhadhara vashandi.
Paramount ingowedzera inshupiti pasi pemutoro wePete. Kana Paramount iri kutsvaga kupomerwa mhosva yaJeff pasi pemitemo yaPete, ivo vachengeti vane mhosva yekuregererwa vachaendeswa kuParamount pamwe chete here?
Nokuda kwekuparadzaniswa kweInisureni kupa, mutemo (kusanganisira kubviswa kwevashandi) kunoshanda zvakasiyana kune umwe neumwe bhizinesi. Paramount Properties haasi muJeff wavanoshandira kuitira kuti vashandi vatarisirwa kubviswa havafaniri kushanda kwairi. Sutu yeParamount inofanira kuvharwa.
Mienzaniso Usasashandisa Sega
Kuparadzaniswa kweUkuchengetedzwa kwekuchengetedzwa hakuiti kumutemo wemiganhu . Kana vaviri insureds vachikanganirana semugumisiro wenjodzi, zvose zvinokanganisa (kana zvigaro) zvakapiwa kune vese insureds zvichange zvichizviisa pasi peChiitiko Chega Chechiitiko . Miganhu haishandisi yakasiyana kune umwe neumwe bhizimisi.
Cross Suits Exclusions
Pakupedzisira, mamwe mimwe mitemo uye amambura ane zvinyorwa zvinopedza kubhadhara zvipfeko nemumwe munhu akachengetedzwa kune mumwe. Iyi "inshurensi yakaenzana nehutsigiti" inosanganiswa inosiyana. Zvimwe zvinoshanda chete kune zvipfeko pakati pezita rokuti insureds. Zvimwe zvinoshandiswa kune zvipfeko pakati peyese insureds. Zvinyorwa zvine izvi zvingabvumirwa zvinofanira kudziviswa.