Ngaba Ufuna Unyununu Yobungqina Bokungcola?

Umlinganiselo obalulekileyo weContrakta ezizimeleyo

Ukuba unkontileka ozimeleyo, unokucinga ukuba akufanele uqhube iintlobo ezithile ze-inshorensi yoshishino. Ngoxa le nto inokuba yinyani kwezinye iimeko, iikontraki ezizimeleyo kufuneka zikhusele ngokwazo naziphi na izibango zomonakalo obangelwe ngexesha lo msebenzi. Enye yeentlobo ze-inshurensi ongafunayo njengonkontileka ozimeleyo yintengiso yomshuwalense. Inyhuwalense yemfanelo yongcoliseko yokhuseleko ikhusela inkampani ngokuchasene nembopheleleko evela kumonakalo obangelwa izinto ezinobungozi ezinobungozi.

Olu lukhuseleko olufunekayo ngamashishini avelisa ukukhutshwa kwezinto ezinobungozi ngexesha lokuvelisa okubandakanya ioli, i-agribusiness, ukwakhiwa, amashishini okumba, ama-depositories kunye nenkontileka ye-asbestos. Umgaqo-nkqubo wokunyaniseka kwengcoliseko unxulumene namabango omonakalo emzimbeni, umonakalo wepropati kunye neendleko zokucoca ezibangelwa ukungcola kwizinto ezinobuthi.

Kutheni Kufuneka Ukhuseleko

Ngaphambi kwephakathi ko-1980, uxanduva lokungcola lugxininiswe phantsi komgaqo-nkqubo oqhelekileyo wokuthengisa umthwalo. Nangona kunjalo, iinkampani ze-inshorensi zaqala ukungabandakanywa nokungcoliseka komngcipheko phantsi komgaqo-nkqubo wokuzibophelela. Oku kubangela ukuba kuyimfuneko ukuthenga ukukhutshwa okuhlukileyo kokuxanduva lokungcola. Ukuba unonkontileka ozimeleyo, uya kufumana ukuba imisebenzi emininzi ifuna ukuba ube ne-inshorensi yemfanelo yongcoliseko kwaye uza kufuneka ubonise ubungqina benkcazo ngaphambi kokuba uqale umsebenzi. Iiprojekthi ezicocileyo zendalo zingadala izigidi zeedola.

Le nshurensi iya kukhusela imithwalo yakho yemali kwimeko apho ucoceko luyafuneka. Ukuthenga i-inshorensi yemfanelo yongcoliseko yombutho iya kugxininisa iminqweno yakho kumacala omthetho apho umntu wesithathu enokulimala ngenxa yento enetyhefu eyenziwa ngenxa yomsebenzi wakho.

Ngubani oQoqosho

Nangona i-inshorensi yemfanelo yendalo yomshuwalense ibonakala kwiinkampani zoshishino lwazo zibandakanya umngcipheko wokungcola kwenkunkuma enobungozi ezifana nokubethelwa kwe-asbestos okanye i-depository; ukuba ungumnikazi weziko leshishini elingabandakanyekanga kwingkunkuma enobungozi, i-inshorensi yemfanelo yomshuwalense ingaba lukhuselo olufanelekileyo.

Nantsi ke-ukuhlolwa okwenzileyo kwipropati ngaphambi kokuba uthenge mhlawumbi kungaphuthelwa enye inkunkuma enobungozi. Le nkunkuma ingafumaneka emva kweminyaka. Imithetho yendalo yendalo isoloko ishintsha kwaye awufuni ukubanjwa ngaphandle kokukhuselwa ngokufanelekileyo.

Yintoni efihliweyo

Imigaqo-nkqubo ye-inshorensi yemfanelo ye-pollution ikhupha amabango avela kumalungu omntu ekuchasene nokulimala komzimba kunye nomonakalo wepropati obangelwa izinto ezinobungozi ezinobungozi ezikhutshwe ngexesha loshishino lwenkampani. Le nshurensi ayikufihla kuphela xa ugqiba umsebenzi kodwa uhlanganisa "imisebenzi egqityiweyo." Oku kuthetha ukuba ukuba kukho ingxaki ngezinto eziphathekayo ezinobungozi emva kokugqiba umsebenzi, ukhuselwe kuyo nayiphi na imiba yemfanelo.

Ungayithenga phi iIninshurensi yokuXhatshazwa koNgcoliseko?

Ukukhutshwa kwecala lokungcola kwintengiso kubathengi banokuthengwa kwiinkampani ezahlukeneyo ze-inshurensi ezahlukeneyo. Uninzi iinkampani ezithengisa i-inshurensi ye-contractor ziya kuba nale ngxelo ifumaneka. Ixabiso lentlawulo liya kuhluka ngokuxhomekeke kwindleko yokufundwa efunekayo; ukuchithwa kwakho nokuba ngaba ukuthengwa kuyathengwa njengomgaqo-nkqubo wedwa okanye ngokudibanisa nomnye umgaqo-nkqubo wezorhwebo. Nazi ezinye ezimbalwa zeenkampani ezinikezela i-inshorensi yemfanelo yongcoliseko kwiinkontrakthi:

• I-Chubb: I-Chubb inikeza umgaqo-nkqubo we-Contractor Pollution Liability (CPL) kunye ne-Contractor Pollution Liability (CPL) / i-Error & Omission (E & O) nkqubo. Iinkqubo zinokulungiswa kwiakhawunti ezincinci zoshishino. Kukho ubuncinci bokugcinwa kwee-5000 zama-self-insured kunye neendawo eziphantsi zeprayimari ukusuka kwi-$ 1,500 ukuya kwii-5,000 zama-$.
• Abahambi: Abahambi bazisa i-Environmental & Contractors I-Insurance Practice Insurance. Ingumgaqo-mboleko ohlangeneyo kunye noxanduva lokungcoliseka komgangatho owenzelwe ukukhusela kumngcipheko wezobungozi, iimpazamo zecala lokungcola nokukhutshwa (i-E & O).

Iingcamango Zokugqibela

Abanikazi bamashishini kunye nabakontrakthi abazimeleyo kufuneka baqinisekise ukuba iimfuno zabo zemali zigqitywa ngokwaneleyo ngumgaqo-nkqubo womnini-shishini. Ukuba ucinga ukuba unomngcipheko wokungcola kwenkunkuma kwintsebenzo yakho yezoshishino, yinto efanelekileyo ukubonisana nomsebenzi we-inshorensi malunga nesidingo sakho senkohlakalo yomshuwalense.

Ukuba unesiganeko kwisayithi yomsebenzi okanye enye yemisebenzi yakho egqityiweyo, ukukhawuleza ukuthenga ingxelo yokubeka ingozi yakho. Khumbula, uxanduva lokungcoliseka komngcoliseko alufakwe phantsi komgaqo-nkqubo wokuzibophelela. Ekugqibeleni, ukuzimisela kokugqibela kuya kuwe. Hlanganisa ulwazi olwaneleyo ukwenzela ukuba wenze isigqibo esinolwazi malunga nokuba ufuna i-inshorensi yemfanelo yongcoliseko.