Vachigadzira uye Sellers
Kana kambani yako ichigadzira kana kutengesa chigadzirwa, yako yakasimba inogona kunge iri nyaya yezvakagadzirwa zvemhosva. Zvinoreva kuti mumwe munhu anogona kukupa mhosva pamusoro pako achitaura kuti chigadzirwa chawakagadzira kana kutengeswa chakakosha, zvichikonzera kukuvadza kune chikamu ichocho kana kukuvadza imba yake.
Somuenzaniso, fungidzira kuti iwe une dzimba dzeChi Chic, kambani inogadzira zvigaro zve ergonomic. Kambani yenyu ichangobva kupomerwa nemutengi anonzi Chuck. Chuck anotaura kuti akanga agere pachigaro chaChi Chic chaakatenga apo zvisingatarisirwi zvakatsika kumashure. Iye anotaura kuti chigaro chakaremara chakamuita kuti awire ndokusimbisa kukuvara kwemukoko. Chuck iri kutsvaga $ 25,000 mukukuvara.
Vashambadziri uye Vanopihwa Basa
Zvichida kusimba kwako hakuiti kana kutengesa chigadzirwa asi kunoshanda kune mumwe munhu. Muchiitiko ichi, kambani yako inogona kunge iri nyaya yekupedzwa kwemabasa. Ndiko kuti, mumwe munhu anogona kutaura kuti basa rako rakapera rakakanganisika uye kuti basa rako rakakanganisika rakamukuvadza iye kana kuparadza pfuma yake. Heano muenzaniso:
Capital Concrete inoita konkrete basa kune makambani makuru uye vatengesi vemari. Guta rakapedzeredzwa nemutengi, Prime Properties. Gore rakapera Prime Properties yakashandira Capital Concrete pakuvaka nzira yakakwirira pane imwe imba yepamusoro yakakwirira.
Nzira yacho yakabatanidza garaji rekupaka kumusuo wepamukova. Mwedzi miviri mushure mekunge Capital Concrete yapera basa raive rakagumburwa. Ivhu rakaputsika rakakonzerwa nepatio yemabwe uye dzimwe nzvimbo dzinodhura. Prime Properties inoda $ 30,000 kubva kuGeneral Concrete kuti ivhare mamiriro ezvinhu.
Kusagadzikana, Chero Chiremera kana Breach yeWaranti
Zvimwe zvinosanganisira zvinoshandiswa nemiti kana mabasa akapera zvakabva pakuregeredza . Zvimwe zvinokonzerwa nemhosva yakasimba kana kuputsa kwechirango. Kana chikwereti chakasimba chinoshanda, iwe unogona kutongerwa mhosva kunyange kana muchengeti asingagoni kuratidza kuti wakanga usina hanya. Mukuputsa kwechirango chekugadziriswa, munhu anenge ataura zvinowanzoreva kuti wakaputsa waranti (chivimbiso) chawakaita panguva yekutengeswa.
Somuenzaniso, Tom anoshanda kune mutengesi anotengesa Chic Chairs. Tom ari kuedza kutengesa chigaro kuna Bill. Anoudza Bill kuti chigaro cheChi Chic chinogona kumira mazana mapaundi. Chaizvoizvo, nzou inogona kugara pane imwe chete, uye yaisazoputsa. Bill, uyo anorema makirogiramu 295, anotenga chigaro chinobva pachigadziro chaTom. Bill anotora chigaro kumba uye ageremo. Chigaro chinogumburwa, ichikuvadza Bill. Bill anoona shandisi yekuchengetedza zvigadzirwa zvekukuvara kwemuviri , zvichireva kuputsa kwechirango.
Products-Completed Operation Coverage
Zvikwereti zvinokonzerwa nemitambo yako kana basa rakapedzwa rinovharwa pasi pehutano hwako hwemhosva. Chikamu chezvikwereti zvakadaro chinosanganisira pasi peBholy Injury uye Property Damage Liability. Iyo yekupedzisira ndiyo yakasarudzwa neChitanhatu A pasi peSO standard yepamusoro yepamutemo fomu fomu (CGL), iyo iyo mitemo yakawanda inowanikwa.
Mhosva dzinotangira kubva mumikhiqizo yako kana mabasa akapera anovharwa kunze kwekuti ivo vasina kunyatsosarudzwa nekubvumirwa .
ICGL haifaniri kubvunza zvose kana sutu inosanganisira chigadzirwa chako kana basa rakapedzwa. Nokuda kwekuti kudai kwakafukidzirwa, zvose zvinotevera zvinofanira kugutsikana:
- Mhosva yacho inofanira kureva kukuvara kwemuviri kana kukanganisa kwemuviri. Kana pasina kukuvara kwemuviri kana kukanganisa kwezvinhu kwakaitika, kudai hakukwanisi kuvharwa.
- Murevereri anofanira kutsigira kuti kukuvadzwa kwemuviri kana kukanganisa kweimba kwakabuda kubva pane zvawakagadzirwa kana basa rakapedzwa. Mune mamwe mazwi, panofanira kuva nekubatana kwakananga pakati pekusava nemuviri wako kana basa uye kukuvara kana kukuvara.
- Kukuvara kwemuviri kana kukanganisa kwemaimba kunofanira kuitika kunze kwezvivako zvaunenge uine kana kuti zvikwereti. Inofanirawo kuitika kana chigadzirwa chacho chisisati chiri mune yako chaiyo kana kana mushure mekunge basa rako rapera.
Kunyange zvazvo kudai kusingasviki nemitemo iri pamusoro apa haisi yezvigadzirwa-zvakapedzwa mabasa, zvinogona kunge zvakaputirwa nemutemo wako. Somuenzaniso, ngatiti iwe uri kupa vamwe vashanyi kuratidzwa kweChi Chic Chairs factory. Mushanyi akakuvara kana agere pachigaro chisina kukwana. Mushanyi anoda kubhadhara. Kutaura kwacho kuchave kwakafukidzwa pasi peBholy Injury uye Property Damage Liability. Zvisinei, kukuvara kwakaitika panzvimbo yako kuitira kuti kudai kuve kwakafukidzwa semhosva yemhosva yeimba, kwete chikwata chemhosva chekushandisa.
Saizvozvowo, fungidzira kuti Capital Concrete iri mukugadzirwa kwekugadzira nzira yakakwirira apo sangano rakapedzana-rakapera rinoputsika. Kuparara kwePirate Properties 'statuary uye patio yematombo kunogona kuvharwa neChitamende Concrete yemhosva yepamusoro pasi peChitanhatu A. Zvisinei; kukanganisa kwakavapo kubva kuCentre Concrete yekuenderera mberi kwemabasa, kwete mabasa ayo akapera.
Mitemo Yemiganhu
Zvikwereti zvinotangira kubva mumakambani ako kana basa rakapedzerwa zvinowirirwa kune zvose Zvikamu Zvese Zvakaitika uye Zvimwe-zvakapedzisira Kushandiswa Kwemiganhu yegwaro mumutemo wako. Zvose zvikwereti ndiyo inonyanya kukoshesa mubhadhadziro pasi pehutano hwako hwekukuvadza kana kugadziriswa kunobva pane zvigadzirwa zvako uye / kana mabasa akapera.
Exclusions
Kana chigadzirwa chako kana basa rakapera risina kukanganisa kana kwete izvo zvawakapikira, mutemo wako wemhosva haufaniri kuvhara mari yekugadzirisa kana kuidzorera zvakare. Izvi zvinotevera zvitatu zvinoita kuti izvi zvionekwe. Iko iri mune chikamu che "exclusions" pasi peBhuku A.
Kukuvadza KweMitambo Yako
Mutemo wako wekutarisira hauna kuvhara zvikwereti zvichienderana nekukuvadza kune chigadzirwa chako kana chikamu chemugadziri wako. Kuti kudai kwakafukidzirwa, inofanira kusanganisira kukanganisa kune imwe nzvimbo kunze kwekugadzirwa kwako . Somuenzaniso, fungidzira kuti mutengi anotenga chigaro chakagadzirwa neChi Chic Chairs kubva kune mutengesi. Muteereri ndiye anokanda chirevo pamusoro peChi Chic Chairs, achitaura kuti chigaro chaakatenga chakanga chavhunika paakazvitora kubva mubhokisi. Nemhaka yokuti hapana imwe nzvimbo kunze kwechigadzirwa yakanganisa, kudai hakukwanisi kuvharwa pasi pemutemo weChi Chic.
Kukuvadza Kwebasa Rako
Saizvozvowo, hurongwa hwako hahuzofukidzira zvirevo zvekuvhiringidza pfuma kumabasa ako akapera. Mune yekutanga Capital Concrete muenzaniso, nzira yakakwirira yakawirwa pashure pokunge Guta rapedza. Ngatitii Prime Properties yakasunungura Capital Concrete nokuda kwekukuvara kwemigwagwa chete. Nzira yacho yakanga iri basa raMuguta rakapedzwa; saka, kudai hakukwanisi kuvharwa pasi peGwaro reChito reKeti yeCheta. Kana Prime Properties ichitsvaga mubhadharo wekuparara kune imwe nzvimbo (kufanana nechigarire uye patio) iyo yakakanganiswa nemigwagwa yakakoromoka, izvo zvinokuvadza zvingavigwa.
Kukanganisa Kumabasa Ako kuregererwa kunosanganisa basa rinowanikwa nevanodzidza pasi. Izvi zvakagadzirirwa kuchengetedza makonkoniti kubva kune zvikwereti zvinokonzerwa nebasa rakakundikana rinowanikwa nevanodzidza pasi. Kana Capital Concrete yakabhadhara subcontractor, Crazy Concrete, kuvaka gwagwa, uye Guta rakapomerwa nekuda kwebasa re Crazy Concrete, izvo zvingangove zvakaputirwa.
Kukuvadza kwe "Matambudziko" Imba
Kuregererwa uku kunogona kuvhiringidza. Zvinonyanya, hazviregi kukanganisa kweimba isina kukwana kana kusingagumi nokuti ine chikanganiso chako chakakosha kana basa rakakundikana . Zvinhu zvakadai zvinogona kudzorerwa kushandiswa nekubvisa basa rako risina kukwana kana chigadzirwa. Semuenzaniso, Capital Concrete yakabhadharwa nekambani yekugadzirisa kuvaka zvivakwa zvekrete zvechivako chitsva. Zvimwe makontrakta akavaka zvakasara zvechivako. Zvinosuruvarisa, Capital inoshandiswa rudzi rwakashata rwekrete, uye nheyo dzakaputsika. Chivako zvino hachigoneki. Kana muridzi wekuvaka achida kuti kugadziriswa kweKuvakwa kweKuvakwa nheyo, Capital's liability insurer haigoni kubhadhara mari yekugadzirisa.
Kwete Nhamba yeZviridzo zveMitambo
Pakupedzisira, kana iwe ukamanikidzwa kubvisa chinhu chakashata kubva pamusika, hurongwa hwako hahwuchengeti mari yekuyeuka. Iwe unogona kuisa zvakasimba pakurwisana nezvimwe zvezvinhu izvi zvinotenga nokutenga Limited Product Kubhadhara Imari Coverage.