Insurance liability Professional

Eyona ezininzi eziqhele inshorensi zabo zomsebenzi oqeqeshelweyo efana Professional:
• oogqirha zabucala, iinkampani zoxubo mayeza kunye nemibutho ukuphumeza ulingo lwezonyango amayeza
• Auditors kunye ezimali
• Abakhi nabaqambi
• amaxwebhu zabucala kunye namagqwetha
• Amasiko broker kunye noonogada zokhuseleko zabucala
• Abaphathi e imithwalo kunye abakhweli
• Realtors, appraisers kunye nezinye iingcali
Ngokutsho mvumelwano inshorensi iya ukubuyekeza umonakalo kwimpilo yoluntu kunye nobomi, i ilahleko kwimeko umonakalo impahla, umonakalo ngokokuziphatha, ukungabi inzuzo kwaye umonakalo isidima insurer.

Professional inshorensi liability ukhusela yomonakalo nje kuphela, kodwa lugubungela iindleko ekucaciseni iimeko, izigqibo iqondo asilotyala ingcali, imirhumo zenkundla kunye neendleko noncedo lwasemthethweni.

Iingcali abenza i-inshorensi liability lobungcali, abe nezinga ezahlukileyo lobungozi ngokuxhomekeke ubude kwenkonzo yemfundo, kulindeke amabango abathengi, uhlobo lomsebenzi kunye imali iinkonzo zabo. Imiba kunye nokufumaneka amabango ngaphambili. Iireyithi avareji ye-inshorensi ekungabalwa 0.5 ukuya 1.5%, nangona nengozi lisingisa-5% kwaye linokuba sezantsi kwesikhundla siganeko inshorensi lifinyele kwi 0.2%.

Kwiminyaka yakutshanje, inani lezikhalazo kubathengi abaye bahlupheka ngenxa nomsebenzi ombi iinkonzo. Ngoko ke, ulawulo iinkampani nemibutho baqhuba professional inshorensi uxanduva kubasebenzi balo, ukwenzela ukuthintela ilahleko zemali umonakalo kubathengi, kodwa yomnika indleko yexesha kunye nomfanekiso kuzo xa bekuthathwa amanyathelo. Kulo mzekelo, zonke iingozi inkampani yeinshorensi kuthatha, yenza iintlawulo kumaxhoba. Ngoko ke, ngenxa yoko, iilahleko zemali akuyi kwenzeka nencindi kubathengi kunye,. Ukwenza umgaqo-inshorensi uqinisekisa abathengi Elucweyweni ukholo elungileyo, nto leyo ethatha ingqalelo iminqweno yabo bonke abachaphazelekayo, omabini abathengi kunye amaqabane ezoshishino.

Le nkampani uphicotho ebonelela ngabaphicothi liability insurance yobungcali, Azigubungele ezininzi iingozi ezivela kwiingcali iimpazamo:
• Ukubuyisa nokugcina intsalela ingxelo lweshishini
• Xa ulungiselela iingxelo zemali erhafu
• Ngexesha uphicotho yoxwebhu lophicotho
• Xa kunikwa iingcebiso irhafu mthetho, ezoqoqosho kunye nemali

Inkampani yeinshorensi iya kuhlawula umonakalo ngumthengi, ezivele ngenxa asilotyala zincwadi xa intlawulo buso iirhafu, zonke iindleko betyholwa, kuquka iinkonzo igqwetha, iindleko ukhangelo lomanakalo ixabiso, baza umonakalo kwimeko-inshorensi. Iintlawulo zenziwa yinkundla.

iiklinikhi zonyango, amaziko ophando inxaxheba kule isifo kwaye afumane unyango lwezigulane qho intlawulo, yisa zobungcali inshorensi butyala abasebenzi bezempilo. Oku kuyinyaniso ngokukodwa oogqirha, obstetricians, neonatologists, oogqirha bamazinyo, Iintlungu kunye neengcali labagula kakhulu, ngenxa yokuba nomdla ukuze bazikhusele xa isimangalo yi isigulane ekliniki wenkonzo amahlwempu. Inshorensi imisebenzi yawo kwaye amagqirha zabucala mvume.

Lo mcimbi benefits ze kwesibophelelo inshorensi yoxanduva lobungcali oogqirha eyaziwayo umonakalo ebomini nempilo yesigulane xa kufunyaniswa isifo, xa unyango naphezu kokuvela ukufa umxhasi xa impazamo lisuke-inshorensi.

Xa isivumelwano inshorensi ityala abaqeqeshiweyo phakathi kwe-inshorensi (umbutho) kwaye i-inshorensi (insurance inkampani) kufuneka ngokucacileyo kuchazwe ixesha lesivumelwano oko kukuthi isiganeko inshorensi kunye nemali yokuhlawula i-inshorensi, apho imbuyekezo.