Ndiani Akafukidzirwa Pasi Panoita Mutemo Wangu?

Mazhinji emabhizimusi anotenga mutemo mukuru wekuchengetedza kambani kubva kune zvikwereti zvechitatu. Mutemo wekwanisi wepamutemo unosanganisira zvipikiso zvinopesana nebhizimisi zvakanyorwa mumashoko ekuzivisa. Inowedzerawo zvinopikisana nemamwe mapato akasiyana-siyana anotsanangurwa mune chikamu chinzi Who Is an Insured.

Ndiani Anobhadhara?

Yakawanda mitemo yemitemo yakawanda inopa kugoverwa kwakaenzana ne (kana kupararira kupfuura) inonzi ISO yemabhizimisi edzimhosva (CGL) yemutemo.

Izvo zvinyorwa zvayo, iyo yekupedzisira inoti izwi rinotsigirwa rinoreva munhu kana sangano rinokodzera sezviri pasi peChikamu II, Ndiani Anishuwarenzi. Chikamu II chinorondedzera zvikamu zviviri zve insureds:

• Iyo inonzi anishuwarenzi , inoreva kuti bato rinowanikwa mumashoko ekuzivisa
• Insureds inoshandiswa, inoreva vanhu nemakambani ayo akavharwa kamwe chete nokuti vane ukama hwebhizimisi nemunhu anonzi insured

Inonzi Insureds

Uyo anonzi inshuwarheni ndiye sangano repamutemo rakanyorwa pane kuzivisa. Inogona kunge iri munhu (yega proprietor), kubatana, sangano, kana chimwe chimiro chechikwata.

Afforded Broad Coverage

Anonzi insureds anopiwa ruzivo rwakapararira pasi pemutemo. Iyo yakafukidzwa nokuda kwebasa chero ripi zvaro rebhizimisi ravanoita, zvichienderana nemitemo yezvigadziriswa uye zvisarudzo . Semuenzaniso, ABC Inc. inoshandisa kamba kaduku keshefu. Iyo kambani inochengetedza mabasa ayo ekutengesa pasi peCGL mutemo.

ABC Inc. inosarudza kusiyanisa mabhizimisi ayo kuitira kuti inotenga nzvimbo yekugadzira iri pedyo nechitoro chacho. ABC inoda kuchengetedza hukama hwakanaka nehutano hwemutori wechipatimendi saka inozivisa kambani isati yaita kuwanikwa.

Iye zvino fungidzira kuti ABC inotenga nzvimbo itsva iyo isina kuudza iyo inshuwarisi.

Ko nzvimbo yekugadzira ichave yakafukidzwa pasi peAcC's CGL mutemo here? Mhinduro ndeyekuti hongu. Icho chirongwa cheCGL hachirevi kuparidzira kune imwe nzvimbo kana rudzi rwebhizimisi. ABC ndiyo iyo inonzi inshurensi saka nzvimbo yayo itsva inowanikwa zvakananga nemutemo.

Mumwe anonzi inshuwarheni akafukidzirwa kune zviti izvo zvinobuda kunze kwezvakagadziriswa zvinokonzerwa nekuregererwa kunoitwa nemumwe munhu anoshanda panzvimbo yayo. Nokudaro, ikambani yakatumidzwa pamusoro pehutano inovharidzirwa kune zvirevo zvevanhu vatatu nokuda kwekukuvadzwa kunokonzerwa nokuregererwa kwevashandi vekambani .

Inogona Kubatanidza Mazvikamu Akawanda

Mutemo wekutakura unogona kusanganisira maviri kana kupfuura anonzi insureds kana munhu mumwe chete kana sangano iri rine chido chikuru kune vose. Semuenzaniso, Sweets Unlimited isangano rinoita uye rinoparadzira candies. Sweets Unlimited ane 100% yemamwe mabhizimusi anonzi Toothsome Treats, anoshanda nekutengesa mabhiji ezvitoro. Iyo masangano maviri ane huwandu hwehutano kuitira kuti zvose zvinyorwe sezita rokuti insureds pamutemo umwechete wemhosva.

Mumwe munhu angave akarongerwa pamutemo wepamutemo kana iye kana iye ari oga weimba. Mumwe munhu anogonawo kuverengerwa pamwe chete nekambani kana munhu wacho ane zvayo 51% yekambani. Semuenzaniso, Jane Jones ndiye mugove wega we Jones Marketing Inc.

Nokudaro, mutemo wekambani yekambani inonzi Jane Jones Inc. naJane Jones, munhu wacho, sainzi anonzi insureds.

Zvinyorwa Zvitsva Zvinozivikanwa

Kana iyo inonzi anishuwarenzi inowana kana kuumba imwe sangano munguva yemitemo, sangano idzva rinotsvaga rinoita seanonzi inshuwarisi. Zvisinei, kugoverwa kunopiwa kune kambani itsva ndeyechinguva. Inoguma mazuva makumi mana kubva pazuva iro sangano idzva rawanikwa kana kuti rakagadzirwa kana kuguma kwepurogiramu, chero ipi zvayo inouya pakutanga. Izvo zvinowiriranawo nemamiriro ezvinhu anotevera, ose ayo anofanira kugutsikana:

• Iwe (kambani inodanwa pamusoro pemutemo) ine 51% kana kupfuura imwe sangano idzva;
• Sangano idzva harisi kubatana kwakabatanidzwa, kambani yekodzero yekambani kana kubatana; and

• Hapana humwe hutoro hunotarisirwa huripo kune sangano idzva.

Somuenzaniso, fungidzira kuti ABC Inc. (chikwata chechishambadziro chinotengeswa pamusoro apa) inogadzira chitsva chinoshandiswa zvachose, XYZ, Inc., kugadzira shangu. ABC inayo 100% yeXYZ. Kufunga kuti XYZ Inc. haina chimwe chekuvharidzirwa kwemhosva, ichafukidzwa pasi pehutano hwebato reAbc kwemazuva 90 kubva pazuva XYZ yakasikwa.

Kana kambani yako ichiwana kana kuumba sangano idzva, iwe unofanira kuzivisa yako inshuwarisi nokukurumidza. Muchengetedzi wako achawedzera sangano idzva kumutemo wako. Iyo inogona kukubhadhara iwe premium yepamusoro kuti uchengetedze kambani itsva.

Automatic Insureds

A CGL mutemo unowanzobatanidza, se insureds, vanhu kana masangano akanyorwa pasi apa. Aya mapato anowanzovharwa nokuti ane ukama hwebhizimisi nemunhu anonzi insured.

1. Mudzimai weumwe munhu anonzi ane purogiramu. Kana Bill Mvura yakarongerwa semunhu wega wega pamutemo wake, mudzimai waBill anobva avharwa sehutsigiti.
2. Sangano rekushandira pamwe, kana nhengo dzekubatana pamwe, dzakanyorwa pamutemo. Somuenzaniso, fungidzira kuti "Benson naJenson, kubatana" kunoonekwa mune kuzivisa. Nokuti uyo anonzi inshuwarheni ishamwari, mumwe nomumwe wevamwe (Bob Benson naJill Jenson) vanozvipira sevhisi.
3. Nhengo uye vatungamiri vekambani ine chikwereti chekodzero (LLC) yakanyorwa pamutemo
4. Vatungamiriri, vakuru vakuru, uye vanochengetedza sangano rinodanwa pamutemo
5. Vatariri vee trust vanotarirwa pamutemo
6. Vashandi vemunhu wacho kana sangano rakarongwa mumashoko ekuzivisa. Vatungamiri vehutungamiri vanofukidzwa pamwe chete nevatungamiriri nevatengi. Nokudaro, havasi ivo vanofunga kuti vashandi. Izvozvowo ndezvemapoka uye vatungamiri ve LLC.
7. Munhu kana nhengo iyo iyo inonzi yainzi insured's real estate manager . Somuenzaniso, Prime Properties Inc. ine zvivako zvakawanda zvemabhizimisi. Kana Prime Marires Ace Management kutarisira nzvimbo, Ace inongova inshupiti pasi pehutungamiri hwehutungamiri hweHurumende.
8. Muchengetedzei kwenguva pfupi wepfuma yenyu muchiitiko chekufa kwenyu (kana iwe muridzi wega wega). Somuenzaniso, fungidzira kuti iwe pachako uri chivako cheimba. Iwe unofa uye mwanasikana wako anongotora nguva yekudzora chivakwa. Ndiye inshumo ine ruremekedzo kune zvipi nezvipi zvinomuka kunze kwechivakwa chemba apo iri pasi pekutonga kwake.
9. Mumiririri wenyu wepamutemo pamusangano wekufa kwako (kana iwe uri weimba chete). Kana iwe wakasarudza mumwe munhu kuti ashumire semumiriri wako wepamutemo mushure mokufa kwako, munhu iyeye kana sangano iri inshuwarisi.

Mapato anotsanangurwa pamusoro apa anonyora chete paanenge achiita mabasa avo nokuda kweainzi anishuwarenzi. Mune mamwe mazwi, vashandi vanoita insured chete pavanenge vachiita mabasa avo kumushandirwo akanyorwa mumashoko ekuzivisa. Saizvozvowo, vatungamiri vese vanochengetedza zvese apo vachiita sevatungamiri vezita rinonzi insured corporation.

Insureds Yakapiwa Nokusimbiswa

Kunze kwezita rokuti insureds uye insureds yakazvimirira, mamwe mapato angave akafukidzwa pasi pehutano hwepamutemo kuburikidza nekubvumirana . Muzviitiko zvakawanda, imwezve inshuwarheni inosanganiswa kuzadzisa chibvumirano chinodiwa. Somuenzaniso, fungidzira kuti AAA Accounting inotora nzvimbo yehofisi kubva kune Build Buildings. AAA's rental requires that it include the landlord as an additional insured under the AAA's liability policy. Kuti agutse zvinyorwa zvesangano, bhizimisi reAAA rinowedzera kubvumirana nemutemo weAAA. Kubvumirana kunosanganisira Best Building sewezve inshuwarisi.