ISO Forms
Paunopa hurumende mitemo yakawanda, vazhinji vevambisi vehurumende vanoshandisa mafomu akazara akabudiswa neInsurance Services Office kana "ISO". Chimwe chikonzero chiri nyore.
Kuvandudza mafomu emagadziro ibasa rinopedza nguva iyo vazhinji vatsigiri vehurumende vanosarudza kusazvidzivirira. Chikonzero chechipiri chinotyisa. Apo bhizimisi inodhinda mutauro wayo wega, pane ngozi yokuti dare rinogona kududzira mutauro wakasiyana zvakasiyana newaini yechipuri. Iyo inshurensi inogona kukamanikidzwa kubhadhara izvo zvange zvisingatarisiri kuvhara.
Nemhaka yekuti ISO mafomu emabhadharo anoshandiswa zvakanyanya, mazhinji emutauro wavanenge ato atove akashandurwa nematare. Zvinorehwa zvakave zvakagadzirirwa mamwe mazwi nemitsara. Nokudaro, kubva pamutemo, maOOO angapa zviduku zvishoma kune vatsigiri vehupfumi kupfuura mafomu edzimba.
The CGL
Nheyo yesangano reIO rezvemhosva ndeye Commercial General Liability Coverage Form kana CGL. Iyi fomu inopa zvikamu zvitatu zvakasiyana-siyana:
- Coverage A, Bodily Kukuvara uye Imba Kukuvara Mhosva
- Bhuku B, Munhu Wega uye Kuparidzira Kukuvadza Mutoro
- Coverage C, Zvokurapa Zvokurapa
Ichi chinyorwa chinonyanya kutaura nezveBodily Injury uye Property Damage Liability. Kuzvimirira uye Kuparidzira Kukuvadza Kuzvigadzirisa uye Kubhadharwa Kwechiremba Zvivako zvinotariswa zvakasiyana. Pamusoro pezvinangwa zvechikamu chino, tichafungidzira kuti iwe wakasimba ndiyo iyo inonzi inshurenti pane zvaunotarisirwa kuita.
Insuring Agreement
Kubudiswa kunopiwa neCGL kunotsanangurwa zvakajeka muchibvumirano chekusimudzira.
Icho chinangwa chinovhara chikwereti chako chakasungirwa zviri pamutemo kubhadhara sechikuvadza nekuda kwekukuvara kwemuviri kana kukanganisa kweimba . Iko ndiko kuti, inovhara zvirevo kana kuti zvinosangana nekambani yako nemunhu kana sangano iro rakasimudza kukuvadzwa kwemuviri kana kukanganisa kwemugove semugumisiro wekusagadzikana kwako kwechisimba.
ICGL inopa huwandu hwekuparidzira. Inobatisa kukuvadzwa kwemuviri kana kukanganisa kwemamiriro ezvinhu kunokonzerwa nechiitiko kunze kwekukuvadzwa kana kukuvadzwa kunokonzerwa nekuregererwa . Nokubatanidza A yekushandisa, unofanira kunge uri mutoro wemhosva yekukuvadzwa kana kukuvara. ICGL haifaniri kubhadhara zvikwereti zvaunozviita nokuzvidira.
ICGL inosangana nekukuvara kwemuviri kana kukanganisa kwemamiriro:
- izvo zvinowanikwa panzvimbo yako
- iyo inomuka kubva kumabasa uri kuita, kubva kana kuti kubvisa nzvimbo yako
- izvo zvinobva kubasa rawakapedza
- iyo inomuka kubva kumagetsi ako
Pamatunhu Ako
Kuvhara A inoshanda kune zvirevo zvinobuda kunze kwekukuvara kana kukuvadza kunoitika panzvimbo yako. Heano muenzaniso.
Doris anoshandisa Divine Delights, dhiyo rekutengesa rinotengesa makeke nekiki yakaitwa panzvimbo yacho. Bill, mutengi, anopinda muchitoro uye ari kuenda kunhare apo iye anofamba achiwira pamusoro pechigaro. Bhiri anokuvadza bhiza rake pakuwa. Mwedzi mitatu mushure mengozi iyo inokanda kuda kune Divine Delights.
Zvaanoda zvinoda kubhadharwa mari yake yezvokurapa inofanirwa nekukuvara kwegumbo. Dare rekuchengetedzwa kwebasa rinovhara kudai.
Kuenderera mberi Kushanda
Bhuku A rinoshanda kune zvirevo zvinomuka kunze kwebasa kana basa rauri kuita panzvimbo yako. Semuenzaniso, imwe shopu yemakina yaunayo inoita basa panzvimbo yayo. Mushandi wenyu ari kushandira paanenge achikuvadza achikuvadza mutengi anoshanyira shopu yako. Kana mutengi akakubvunza iwe kana kuti mushandi wekukuvadzwa mumuviri, kudai kunofanira kuvharwa nemutemo wekutengesa kwechitoro chako.
Coverage A inobatanidzawo zviti zvinomuka kunze kwebasa kana kushanda zvakaitwa kubva panzvimbo yako (panzvimbo yebasa). Semuenzaniso, Capital Building yakabhadharwa kuzogadzirisa mukati memadziro edzimba muhofisi yehofisi. Mushandi weGurukota ari kutamira tafura yakaona panzvimbo yebasa apo iye pangozi anonaya.
Ita yakawira pasi, ichivhiringidza matairi akawanda. Kana muridzi wechivako akazoti, "Capital Building" mari inoshandiswa kugadzira zvidhori zvepasi, mutemo wemhosva weChitoro unofanirwa kuvhara sutu.
Yapedzerwa Basa kana Kushanda
Mumuenzaniso wekare, kukanganisa kune pasi kwakaguma nebasa riri mberi. Icho chikonzero, kukanganisa kwakaitika apo Capital Building yaive ichiita mabasa achienderera mberi. Kukuvadzwa kwemuviri kana kukanganisa kweimba kungasimuka kubva pamabasa akapera kana kushanda. Bhizimisi rinogona kupomerwa nekuda kwekukuvadzwa kana kukanganisa kunokonzerwa nebasa rakaipa rakapera.
Ngatitii Capital Building inovaka ganda rechitanhatu chetsoka rakakomberedza imba inonaka kune winery. Panguva yekuvaka, Vashandi veGuta vanokundikana kuisa mabheji akakodzera. Makore maviri mushure mekunge fence yave yapera, inowira, ichikuvadza munhu anotenga. Mutengi anozviti Capital Building yekukuvara mumuviri. Mutungamiri weGeneral anoona nezvekuchengetedzeka kwekuchengetedzwa kwemari inopa mari yekutaura nokuti sangano reGeorge rinosanganisira kugoverwa kwezvigadzirwa-zvakapedzwa .
Mishonga yako
Vamwe vanoti vanomuka kubva mumiti yakashata. Zvinodiwa naMwari (mumuenzaniso wokutanga) zvinotengesa zvinhu zvakabikwa kuvanhu. Ngatitii Mwari anotengesa cherry pies. Stuart inotenga imwe yemapepi uye inoitora kumba. Ari kudya chidimbu chechipiri apo paanotyora zino pahombe ye cherry. Dza reStuart haigoni kugadziriswa kuitira kuti ribve ribviswa uye rishandiswa nekuiswa kwemeno. Stuart inotuma Divine Inofadza mazino emari uye zvinoda kubhadharwa. Zvakare, chirongwa chaMwari cheCGL chinofanira kuvhara kudai. Mhosva dzekukuvadzwa kana kukanganisa kunokonzerwa nemishonga yakashata ndeyekuchengetedzwa pasi pezvigadzirwa-zvakapedzwa basa rokuvhara.
Kudzivirira
Kana mhosva yakaputirwa neChipfupa A yakaiswa pachisimba chako, wako insurer achapa gweta kuti akudzivirire . Zvakavharwa mari zvinosanganisira mari yemavhutisi, mari yematare, madhora emamwe masangano, uye kufarira kunotongwa pamutongo. Zvose izvi zvinopomerwa zvinowanikwa pasi pekuparidzirwa kunonzi Supplementary Payments . Iyo yakafukidzirwa kunze kwemazano emitemo.