Kuzviisa Mutsara
Nzvimbo dzakawanda dzekutengeserana pfuma dzine zvinyorwa zvinenge zvakafanana nezvo zvakawanikwa muIO Property Property form. Iri gwaro rinoshanda kana bhizimisi yako yakabhadhara kuda kwekumba kwepfuma kana kurasikirwa kwemari yakafukidzwa nemutemo wako. Icho chinyorwa chinotaura kuti kana iwe une kodzero yekuwana mhirizhonga kubva kune umwe munhu, kodzero idzodzo dzinotamirwa kune yako inshuwarisi.
Somuenzaniso, fungidzira kuti iwe unoshanda bhizinesi rinonzi Accurate Accounting. Kambani yako inotora nzvimbo yehofisi muimba ine Prime Properties. Iwe wakachengetedza zvinyorwa zvehofisi yako pasi pekutengesa purogiramu yemari.
Imwe kambani inonzi Classic Consulting inobhadhara hofisi iri pedyo newe. Mamwe manheru moto unopera muhofisi yeClass Consulting. Moto unopararira kuhofisi yako, zvinokuvadza madhikiki akawanda nemakombiyuta. Maererano neMe Marshall moto, moto wakabatwa nekutura fodya yakasara yakasara mumarara inogona kuhofisi yeklasi.
Nhare yako yehupfumi inopa mari yekukuvara kweimba yako. Iko zvino inoedza kudzorera mari iyo yakabhadhara nekutsvaga Classic Consulting yekuparara kwepfuma .
Kudai usina iwe inshuwarisi yemugovera, kana kana wako inshuwarisi asina kubhadhara mari yako, iwe ungadai wakave nekodzero yokupomera Classic Consulting yekukuvara kwepfuma.
Sezvo mubhadhari wako akakubhadhara iwe kurasikirwa, kodzero yako yekupomera Classic Consulting inotumirwa kune yako inshuwarisi.
Kudzivirirwa Kwekodzero Dzakaderedzwa
Maitiro emabhizimisi emitemo anoda kuti iwe udzivirire kodzero dzako dze inshuwarisi dzekuisa pasi kune imwe sangano. Iwe haugoni kuzvipira zvachose chimwe chikamu chemhosva kana kuti zvimwe zvinopesana nemubhizimisi wekodzero yekuita zvinopesana nesangano iroro.
Akabvumirwa Waivers
Izwi rechirevo chechikamu chekuisa pasi rinokubvumira kuti udzikinure kodzero dzako dzekudzikinurwa musati warasa kurasikirwa . Nokudaro, iwe unogona kusayina chibvumirano chaunobvumirana nacho kuti usiye kodzero yako yekupomera imwe sangano nekuda kwerasikirwa inogona kuitika munguva yemberi.
Izvo zvidimbu zvechikamu chechikamu chechipiri chinokubvumira iwe kuti usarudze kodzero yako yekupomera mumwe mushure mushure mekurasikirwa kunoitika kana imwe chikamu chiri chimwe chezvinotevera:
- bhizimisi pasi pemutemo wenyu
- kambani yaunayo kana kutonga
- kambani inokuchengeta kana kuti inokudzora iwe
- muridzi wako
Somuenzaniso, fungidzira kuti kambani yako, Accounting Accounting, ine 100% yeClass Consulting. Muchiitiko ichi, kambani yako inogona kuve nekodzero yekupomera Classic Consulting kuitira kukuvadzwa kwemoto kune yako pfuma mushure mokunge moto wapera.
Mutual Waivers
Zvibvumirano zvakawanda zvine kuburitswa pamwe chete kwechikamu chechikamu.
Mukubvumirana pamwe chete, mapato anobvumirana kusiya kodzero dzavo dzekupopotedzana. Kazhinji, kuregererwa kunoshanda chete kune kurasikirwa kunowanikwa nekutengesa pfuma inshuwarisi.
Somuenzaniso, fungidzira kuti bhizinesi rako, Accounting Accounting, rakasaina chibharo neimba yako, Prime Properties. Unobvumirana kuti inshuwarisi yemugove ichashanda semusimboti wekugadzirisa kukanganisa kweimba yeimba yeimba kana kuti pfuma yako. Inishuwarenzi yeimba inogona kuva nemitemo imwechete (inopfeka chivako uye pfuma yako) kana mazano maviri akasiyana.
Ngatiti iwe uye Prime Properties mumwe nomumwe wakatenga imwe purogiramu yemiti. Iyo yekodhi inosanganisira kuregererwa kwechikamu chechipiri. Usiku humwe musakoshi anokonzera kofi muhofisi yako nzvimbo inokonzera moto. Moto unokonzera $ 10 000 mukukuvadza pfuma yako yega uye $ 50,000 mukukuvadzwa kwechivako.
Muchengeti wako wekubhadhara anopa mari yako uye Prime's insurer inopa Prime claim. Muridzi weimba yako akasiya kodzero dzayo dzokukupomera mhosva yepfuma inoputirwa neimba inshuwarisi. Nokudaro, muridzi weimba inobhadharwa kubva pakushusha kuti iwe uwanezve mari yawakagadzirirwa kune inshuwarisi.
Unilateral Waivers
Mamwe mahofisi ane ane unilateral (one-side) waiver of subrogation. Kana iri mubhadharo, unilateral waiver kazhinji inobatsira muridzi wemba. Muridzi weimba anoda kuti muridzi wekodzero ave nekodzero yekupomera muridzi weimba chero ipi zvayo inokuvadza iyo mwene weimba angakonzera pamba yeimba. Zvisinei, muridzi wemba anochengetedza kodzero yayo yekusunungura muridzi wekugadzirisa zvinokonzerwa neimba inokonzera muridzi weimba.
Ngatitii muridzi wepakuvadza anokanganisa imba yeimba. Muridzi wemuridzi weimba inotsigira muridzi weimba yekurasikirwa uye anotsvaka kutsvaga kwekurasikirwa kwekurasikirwa nekutsvaga mutariri. Kana iwe uri muridzi wega, edza kudzivisa kusayina chibharo chinosanganisira unilateral waiver ye subrogation.
Mazano Okuvaka
Waivers of subrogation zvakare inowanzo muzvibvumirano zvine chokuita nemabasa ekuvaka. Ngatitii Buildy Builders, mukonzi mukuru, anoratidza chibvumirano neHarare Properties kuvaka imwe nzvimbo yehofisi yakawanda. Chibvumirano chacho chine kuburitswa kwechikamu chechipiri. Vashandi vanovhura vanoshandira zvose zviduku (magetsi, krete, peji nezvimwewo) zvinoda basa racho. Chibvumirano pakati peBusy neConcontractors chinosanganisira kubhadhara pamwe.
Mune zvibvumirano zvose mapato anobvumirana kurambidza kodzero dzavo dzekukakavara kune imwe nzvimbo iyo kurasikirwa kunowanikwa nekutengesa pfuma inshuwarisi. Vagadziri Vavengi vanozvitenga vavaki vehutano hwehutano (rudzi rwepurogiramu yepurazi) inofukidza basa rokuvaka. Izvo zvinosanganisira Prime Properties, Buildy Busy uye vose vanobatana nehurumende se insureds. Kana moto (kana imwe njodzi yakavharwa) inokonzera kukanganisa chivako panguva yekuvakwa kwayo, kurasikirwa kunofanira kuvharwa nevatadzi vengozi. Kana iyo inshuwarisi ichibhadhara mari, haigoni kuedza kubhadhara mari yekurasikirwa kwayo nekushuva Prime Properties, Buildy Busy kana imwe yeruzhinji.