Izingozi zokuba usonkontileka zihlukile futhi zivame ukuba yingozi. Nsuku zonke, osonkontileka babhekana nezingozi ezikhethekile emsebenzini ezingenakushiwo nganoma yimuphi omunye umsebenzi noma imboni. Kusukela ekusebenzeni ngamakhemikhali kuya emishinini esindayo, lezi zinselele zenza umsebenzi othokozisayo kodwa oyinselele.
Kuyaziwa futhi ukuthi abasebenzi ababudedengu ngeke bahlale isikhathi eside ebhizinisini lokwakha. Izingozi ziyenzeka, ikakhulukazi kumaphrojekthi abandakanya ukusetshenziswa kwemishini esindayo nemishini yokwakha. Ngaphandle umshwalense kasonkontileka, izindleko eziyofika njengesinxephezelo, ukukhanda, noma ukukhokhelwa zizophuma ephaketheni lomnikazi.
Uhlobo lwebhizinisi, kanye nobukhulu balo nendawo, kunomthelela ekukhavelweni kanye nenqubomgomo yomshwalense idingwa ngusonkontileka. Ibhizinisi elizinze kahle lokuqasha libalulekile futhi linenzuzo kodwa umshwalense wosonkontileka ubalulekile ukuze osonkontileka basebenze ngokusemandleni abo ngaphandle kokukhathazeka nganoma iyiphi ingozi noma udaba olungase lube nomthelela ebhizinisini.
Nakhu lapho Isibopho Sezinkontileka iza ukuqinisekisa ukuthi wonke amabhizinisi okwakha avikeleke kahle ezingozini nasekulahlekelweni kwemali engenayo okungase kusho izikweletu ezingokomthetho noma ezinye izindleko ngenxa yezicelo uma kwenzeka kukhona okungahambi kahle endaweni yomsebenzi.
Njengabadayisi abavelele emakethe yaseMelika, bazothola isixazululo kuzo zonke izidingo ezihlukene, okuhlanganisa Umshwalense Wezingozi Zomakhi, Umshwalense Wesibopho Esijwayelekile, Isinxephezelo Sabasebenzi, Izimoto Zezentengiselwano, Umbrella, phakathi kokunye, kulo lonke uhlobo lwenkontileka evamile noma umnikazi webhizinisi.
Ngaphansi Kuvunyelwe uShopper, enye yezingxenyekazi ezihamba phambili zokubuyekezwa kwe-inthanethi emhlabeni, zinedumela elihle kakhulu phakathi kwamakhasimende, ngokusekelwe kuzibuyekezo ezingaphezu kwenkulungwane lapho ngaphansi kuka-1% abanolwazi olubi noma olubi lwamakhasimende. Lokho kwenza i-Contractors Liability inkampani ethenjwa yinoma yiliphi ibhizinisi elincane noma elikhulu. Sebeneminyaka engaphezu kwengu-25 besembonini ngesilinganiso “A+” nge-BBB, isikhungo sokugunyazwa esihlinzeka umphakathi ngolwazi mayelana nezinkampani ezinemikhuba emihle namazinga aphezulu.
Phakathi kwezinsizakalo ezinikezwa yi-Contractors Liability, banazo:
Umshuwalense Wezikweletu Ochwepheshe
Ivikela usonkontileka noma umnikazi webhizinisi uma emangalelwa nganoma yisiphi isenzo sobudedengu noma iphutha ngenkathi enza imisebenzi ehlobene nokuthuthukisa izinqubo zobungcweti.
Umshwalense Wokuhweba Ngokuzenzekelayo
Umshwalense wezimoto zezentengiselwano inqubomgomo ehlinzeka ngekhava yokulimala ngokomzimba kanye nesibopho esidalwe yimoto yebhizinisi ngenkathi imelele inkampani noma inhlangano.
I-Umbrella Insurance
"Isambulela" noma ungqimba oludlulele lokuvikela luhlanganisa izimo lapho kufinyelelwa khona imikhawulo yesibopho sezomthetho kanye nezinhlobo ezengeziwe zezimangalo ezifana nenhlamba/ukunyundela okungase kuvele ezenzakalweni ezingaphezu kwamandla omuntu .
Ukuvuselelwa kwabasebenzi
Umshwalense Wezinxephezelo Zabasebenzi iqinisekisa ukuthi abasebenzi abalimala emsebenzini banemiklomelo yemali engashintshi. Kuphinde kusize ekulawuleni ubungozi bezezimali kubaqashi, njengoba izifundazwe eziningi zikhawulela inani isisebenzi esilimele esingalulama kumqashi.
Amabhondi emvume kanye nelayisensi
Iqinisekisa ukuthi abantu abanikezwe ilayisensi noma imvume yokuqhuba ibhizinisi noma abasebenzisa ilungelo elithile bazothobela izibopho zaleyo layisensi noma imvume.
Inland Marine Insurance
Lolu hlobo lwenqubomgomo luhlanganisa ukuchayeka engcupheni okubandakanya izimpahla nokuthengiswayo okuqhubekayo noma okugcinwe isikhashana inkampani yangaphandle. Izimpahla zenani elikhulu, amathuluzi nezinto zokusebenza ziyingxenye yemisebenzi kanye nenqubo yansuku zonke yawo wonke usonkontileka futhi yingakho kufanele kube ukuvikelwa okwamukelekayo uma kwenzeka umonakalo, ukwebiwa noma iyiphi ingozi ngokwenza umsebenzi othile. Izohlanganisa konke okukhulunywe ngakho ngenhla kulesi simo.
Isakhiwo (izimpahla) esimbozwe yilo mshwalense ngokuvamile singaphansi kwezimo ezilandelayo:
- Iyathutha
- Kudiphozithi
- Endaweni engashintshi
- Uhlobo lwezinto ezihambayo ezivame ukutholakala ezindaweni ezihlukene
Ungawuthola kanjani umshwalense ngendlela efanele
Umsebenzi wokwakha uthathwa njengesimo esiyingozi kakhulu, ngenxa yomonakalo ongase ube khona noma ukulahlekelwa okubangelwa ngesikhathi sokuthuthukiswa noma ukwenziwa kwemisebenzi yokwakha izakhiwo, ukushiyeka enqubweni yokwakha okufakazelwa ekuphileni kwayo okusebenzisekayo, noma ukuntuleka kokunakekelwa okufanayo.
Ukusesha inqubomgomo ngokuqondile kumshwalensi noma ngewebhusayithi elula, kuzogcina ekutholeni isipho esivela kumdayisi (okuchema kakhulu, ngaphandle kolwazi olwanele, ngenhloso yodwa yokuthengisa, hhayi ukusiza) futhi uma kwenzeka isigameko, ngeke esaba khona ukusiza kanye nomshwalense, okuzodingeka abhekane nenkantolo eyedwa ngaphandle kweseluleko esifanele.
Osonkontileka Jikelele Abafanelekile kumele bakhethe umthengisi womshwalense osekuyiminyaka eminingi esemakethe njengeContractorsLiability.com, sibonga ulwazi oluzuziwe lokweluleka nokusiza amakhulukhulu amaklayenti ezehlakalweni abenazo, okubavumela ukuthi babeke phambili ukunaka imininingwane futhi balungele thatha izimangalo 24/7.
LOKHO ONGAKUTHATHE KULESI SIHLOKO:
- Searching out a policy directly from the insurer or through a simple website, will end in receiving an offer from a seller (very biased, without enough knowledge, with the sole intention of selling, not helping) and in the event of an incident, they will no longer be there to assist and the insurer, that would have to face a court all….
- Umsebenzi wokwakha uthathwa njengesimo esiyingozi kakhulu, ngenxa yomonakalo ongase ube khona noma ukulahlekelwa okubangelwa ngesikhathi sokuthuthukiswa noma ukwenziwa kwemisebenzi yokwakha izakhiwo, ukushiyeka enqubweni yokwakha okufakazelwa ekuphileni kwayo okusebenzisekayo, noma ukuntuleka kokunakekelwa okufanayo.
- Valuable goods, tools and equipment are part of tasks and daily routine for every contractor and that is why it should be very welcome protection in case of damage, theft or any accident by performing a certain job.
