Heano chiitiko chinowanzoitika:
Muenzaniso
Elite Estates ane michina yakawanda yekutengeserana, kusanganisira imba yakavakwa inonzi Verdant Villas. Elliot, maneja weElite Estates, anofunga kuti zvakaoma zvinotarisa zvishoma. Anosarudza zvivako zvingashandisa jasi repende uye vanobatanidza mucheki wekambani anonzi Pro Painting.
Elliot akagadzirira chibvumirano chinotsanangura mamwe mamiriro ezvinhu muparanisi wekupara anofanira kusangana kuti apiwe mari. Chimwe chinokosha chinodiwa ndeyekuchengetedzwa kwemishuwarenzi . Pro Painting inofanira kuchengetedza mutemo wezvokutengeserana wezvokutengeserana ne $ 1 mamiriyoni pamiganhu yezvimwe zviitiko uye $ 2 mamiriyoni akawandisa chikamu.
Peter, muridzi wePra Painting, anoratidza chibvumirano. Zvisinei, kambani yake haikwanise kuita basa rekushongedza kusvikira Petro achipa Elliot nechikwereti chemhosva yveshurensi. Icho chivimbiso chichasimbisa kuti Pro Painting ine zvikwereti zvinotarisirwa zvinorehwa musimboti.
Zvitatimiti zveinishuwarenzi zvinowanzopiwa neanishuwarenzi kana kuti mutengesi . Zhinji dzinobudiswa pamhando dzakasiyana. Kunyange zvazvo inowanzoshandiswa sehupupuriro hwehutano inshuwarheni, inogonawo kushandiswa sehumwe humwe hutsika hwe inshuwarisi. Semuenzaniso, muridzi wechivako angada kuendesa chikwereti nechikwereti chemari inshuwarisi.
Kusiyanisa mafomu etifiketi anoshandiswa kwehupfumi yechipupa uye yepamutemo.
Mashoko Akapiwa
Mutemo wekodzero yekodzero ine zvikamu zvakatsaurwa zvezvikwereti zvose, mutoro wemotokari , umburira mutoro , uye vashandi vanobhadhara / vashandi vemhosva. Chiremba chekodzero chinosanganisira rudzi rwehuwandu rwakanyorwa pasi apa. Mutsamba iyi, "inshu" inoreva munhu kana kambani yakakumbirwa kupa chipo. Chiremba chikwata ndiye munhu kana kambani yakakumbira chiiti.
- Zita reIndisitiri uye kero yeposi
- Zita uye tsamba yedhesi yejeri re inshuwarisi ye inshuwarisi
- Zita uye ruzivo rwekukurukura rwemumwe munhu mubazi re inshuwarisi anogona kupindura mibvunzo
- Zita rebazi rimwe nerimwe uye nhamba yaro NAIC (nhamba yekuzivikanwa inopiwa neNational Association of Insurance Commissioners)
- Tsanangudzo pfupi yemitemo ye inshurenzi nemiganhu inopiwa, nerudzi rwekugovera. Semuenzaniso, chikamu cheGeneral Liability chinonyora mitsara mitanhatu yakasiyana yakapiwa nehutano hwekuchengetedzwa kwehupfumi. Inoratidzawo kuti inishuwarenzi inoshandiswa inoshanda pane zvinenge zvataurwa- kana zvakaitika .
- Kana bhizinesi yatenga mabhizimusi ekubhadhara mari , chikwangwani chinofanira kuratidza mavara emotokari inovhara. Zvisarudzo zvinosanganisira "chero motokari", "dzose dzine autos", " motokari dzakabhadharwa ", "zvigadziriswa motokari", uye " isina-autos autos ".
- Kana bhizinesi iri nehurongwa hwemaambura , chiiti chinofanira kuratidza miganhu inopa. Inofanirawo kuratidza kana kuvhara kunoshandiswa pane zvirevo-zvakaitwa kana kuitika.
- Hapana muganhu wakanyorwa kune vashandi kubhadharwa kwekugadziriswa sezvo mitemo yehurumende inosarudza zvikomborero zvinopiwa kune vakuvadzwa. Zvisinei, miganhu inofanira kuve yakanyorwa kune vashandi kutarisirwa .
- Tsanangudzo yemabasa ayo inshurenzi iri kuita
- Zita nekero remuiti wechiiti
- Chirevo chinotsanangura mubhadhari weu insurer, kana aripo, kuti azivise chikwata chekoti kana inshuwarisi ye inshuwarisi ichibviswa. Iyi nyaya inotsanangurwa muhuwandu hwezasi.
Kuwedzera Insured Status
Zvibvumirano zvakawanda zvebhizimisi zvinoda kuti munhu akachengetedzeka kuvhara muiti wezviti sechimwe chekuchengetedzwa pasi pegwaro rekuchengetedzwa kwehupfumi.
Mune mamiriro ezvinhu, chiremba chiiti chinogona kutaurira chirevo pamusoro pechibvumirano chaicho chaicho chakavharwa pasi pehutano hwebato rehutori sehumwe bhizimisi.
MuElite Estates mamiriro akataurwa pamusoro apa, funga kuti chibvumirano pakati peElite nePro Painting chinoda kambani yekuveza kuti ichengetedze Elite Estates seyezve inshupiti pasi pePainting Painstable. Sezvo humwe hutachiwana hwehutano hweElite Estates chinhu chinodiwa chebvumirano, Pro Painting inofanira kutevera. Pro Painting's inshuwarisi yekumishandiro anofanira kukumbira kubvumirwa pasi peP's mvumo yekutonga iyo inorondedzera vaElite sevhisi inowedzera.
Mimwe mitemo yemitemo ine mutauro unongowanzobatanidza mamwe mapato sevamwe insured dzakawanda kunze kwekudiwa kwekubvumirwa. Somuenzaniso, fungidzira kuti Pro Painting's policy inosanganisira, semunhu akachengetedzwa, munhu chero upi zvake kana sangano iyo Pro Painting iri kuita mabasa kana Pro Painting yakabvumirana muchibvumirano chakanyorwa kuti chibatanidze iyo sangano sehutsigiti. Elite Estates inosangana netsanangudzo iyi. Nokudaro, inofanira kuvharwa zvese sehumwe inshuwarisi.
Certificate Haisi Kupihwa
Ngatiti iwe wakabvunzwa kupa chikwata chemishonga inshuwarisi kune XYZ Inc. Wakabvunzwawo kuti uise XYZ Inc. sechimwe chekuchengetedzwa pasi pemutemo wako wemutoro. Wakatarisa wako anopa chibvumirano chinoreva kuti XYZ Inc. inowedzera inshuwarisi pasi pesimboti yako. Zvisinei, mujeri wenyu anorega kukumbira kuwedzerwa kwekuchengetedzwa kwehupfumi kubva kune wako inshuwarisi. Mutemo wako hauna chero unowedzera mutauro wakatsigirwa. Hapana anoona iko kukanganisa.
Mwedzi mitanhatu gare gare XYZ Inc. inosungirirwa nekuda kwekuregererwa kwako uye kudiwa kwekutsvaga pasi pehutano hwako . Ko XYZ ichave yakafukidzirwa seyezve inshuwarisi inobva pashoko iri mune chiiti? Mhinduro yacho pamwe haisi. Chikwangwani hachisi kuvimbiswa. Icho hachichinje mutemo. Kana kuvharidzirwa kunotsanangurwa mune chibvumirano hakusi mumutemo, kugoverwa hakusati kuripo.
Chiratidzo cheKuritsa
Kusvikira muna 2009, chimiro chekushandiswa chinoshandiswa kubudisa zvivako zvehushuwarisi hwekodzero yaiva nehuwandu hwekuregererwa kwekuregererwa. Iri urongwa hwakaratidza kuti kana imwe yemitemo yakanyorwa pane chiremba ichibviswa kare isati yatarwa zuva rayo raizoguma, iyo inshuwarheni yaizo "edza" kuzivisa chiremba chiremba zuva rakatarwa remangwana.
Vakawanda vechipatimendi vanobvuma kuti mazwi aya akavimbisa kuti vaizoziviswa kana mutemo wezvakagadziriswa nemutemo wegwaro rekuregererwa wakabviswa kare zuva racho rapera. Zvisinei, vazhinji vane zvikwereti vesaiti havana kuziviswa kana maitiro akaregwa. Sei? Vatsigiri vakatevedzera kuregererwa kwekuregererwa mumutemo. Pasi pemitemo yepamutemo, chete "iwe" ( anonzi anishuwarenzi ) anogamuchira chiziviso kana mutemo wacho wakabviswa.
Nzira yezvino inoshandiswa kune zvigwaro zvehutano yveshuwarenzi inoti kana imwe yemitemo inoratidzwa muchibvumirano ichikanganiswa pakati pemakore, chiziviso chichagoverwa maererano nemirairo yepurogiramu. Mune mamwe mazwi, mamwe ma insureds achapiwa chiziviso chekuregwa chete kana mutemo unoti ivo vachazoziviswa.
State Laws
Pakupedzisira, vazhinji vehurumende vakagadza mutemo wakagadzirirwa kuenzanisa kushandiswa kwesitifiketi. Mitemo iyi inorambidza kushandiswa kwezvikwangwani zvinosanganisira mashoko enhema kana kuti anotsausa. Zviteteti zvine mashoko akadaro hazvibatsiri.