Amanyathelo okukhusela: umxholo kunye nobubanzi

Igama elithi "amanyathelo okukhusela" lithetha ukuthintela (ukuthintela, ukukhusela). Isetyenziswe kwimimandla eyahlukeneyo, umzekelo, kwimisebenzi yezoqoqosho ebizwa ngokuba yimisebenzi ejoliswe ekunciphiseni umngcipheko kunye nefuthe layo kwisiphumo; Kumthetho wamazwe ngamazwe, ezi zinto zihlanganyelwene noluntu lwelizwe elijolise ekukhuseleni iisongelo kumhlaba, ukuphulwa komyalelo okanye ukubonakalisa ubugwenxa. Kwiimpi ezixhobileyo le ngcamango ibonisa amandla omkhosi, anokungadibanisa namanye amazwe ukugcina uxolo kunye nokhuseleko.

Nangona kunjalo, amaninzi amaninzi okukhusela asetyenziswa kwi-inshorensi, athatyathwa kwangaphambili ngokwexesha elibikezelweyo (ubuhle bokuba kwenzeka ngexesha elithile lexesha). Kukho nokwahlulwa kwamanyathelo enobungozi, ngenjongo nakweminye imigaqo. Kuzo zonke iindidi kukho ukwahlula ngamaqela.

Ngoko, ngenjongo yokwabela amanyathelo okukhusela okujoliswe ekuthintela isiganeko nokunciphisa imiphumo xa eso senzakalo senzeke. Kwinqanaba lokuthatha isigqibo, zikarhulumente (umgaqo-mthetho kunye nomthetho, umgaqo wokhuseleko likarhulumente, ukubunjwa kwezinto eziphathekayo kunye nezobuchwepheshe, njl); Ummandla (umgaqo- mali kunye nomgaqo -mali kummandla, ukuqeqesha abantu, izakhiwo zokukhusela, amaqela okuhlangula, ukubeka esweni iingozi, njl.). Amanyathelo okukhusela kwinqanaba elidibanisa lichaphazela oogunyaziwe ukukhusela ingozi yemvelo; Kwinqanaba ngalinye, ulwazi olufunekayo lokhuseleko lufunyenwe kwaye isigqibo senziwe ukuba siphile okanye singekho kwindawo enobungozi.

Ukongezelela, amanyathelo okukhusela ahlukaniswe ngamaqela: ukunciphisa umngcipheko I-Terrain (kuphinda iphrofayili, ukutshabalalisa nokulahlwa kwezixhobo ezinobungozi, ukulwa nobugebengu, njl); Ukunciphisa ubungozi kubemi kunye nemeko (indawo efanelekileyo yezindlu nezakhiwo nezinye indawo kwindawo ephephile, indawo zokuhlanza, ukukhutshwa kwabantu abangcolileyo kunye nabangalunganga kwiindawo zokuhlala).

Yonke imilinganiselo yokufezekisa ukuphunyezwa kwezinto zenzelwe ukuphucula ukuzinza, ukukhusela ukhuseleko, ukunciphisa umonakalo kwingozi (ukulungiswa ngexesha elifanelekileyo lokuncedisa imisebenzi).

Ngokuqhelekileyo, kunokuthiwa ukuba amanyathelo okukhusela ayenayo imimiselo phantsi kweenkonzo zokuhlangula eziphuthumayo, ukubonelela ngezixhobo, yonke into efunekayo kwimisebenzi yokukhutshwa. Oku kuquka ukuququzelela iinkqubo zokubonelela abantu ngezinto ezibalulekileyo, iimveliso kunye nezixhobo zokukhusela.

Kwi-inshurensi, amanyathelo okukhusela asebenza ngokukhawuleza ukukhusela iziganeko ze-insured. Ngelo xesha, kungekhona nje inkampani yomshuwalense kufuneka iqinisekise ukuphunyezwa kwayo, kodwa umntu okhuselekile kufuneka enze konke okusemandleni akhe ukuzikhusela kwiingozi, esenza ukuba ipropati yakhe ayikho i-insured.