Inshorensi umsebenzi wokwakha. Inshorensi lwemisebenzi yotyalo-mali kunye nokwakhiwa

Inshorensi yomsebenzi yokwakha - inkqubo mandatory sokwamkelwa zekontraki ukuqala umsebenzi wokwakha. Kodwa ke ukuza kuthi ga ngoku, le meko kurhwebo lwasemakhaya zokwakha ngendlela ukuba le mali okanye abathengi babe nelungelo lokukhetha kwinkampani yokwakha ethile. Zonke ukubhukisha zenziwa nge maxabiso, apho ungakwazi ukuthatha inxaxheba kwinkampani yokwakha zonke. Kaloku, imisebenzi yokwakha inshorensi SRO ukunciphisa umthwalo ngokwezimali, yaye kuya kunciphisa kakhulu iindleko ezayanyaniswa ulwakhiwo into uyifake ukusebenza.

Kutheni ufuna inshorensi

Ngokubanzi, i-inshorensi kuqinisekisa ukhuseleko lwepropati-nxaxheba kulwakhiwo, kunciphisa ilahleko evela ilahleko okanye umonakalo kwizakhiwo, impahla, izinto ezibalulekileyo zokwakha, ukuthatha unonophelo zonke iingozi zemali. Njengoko inshorensi unokwenza bonke abathathi-nxaxheba kokwakhiwa - evela abayili kunye iinjineli ukuba baqeshe oomatshini. Ngamnye kubo unomdla, ukuze inshorensi indima yabo: bezakhiwo abayili ndadala ukukhusela iprojekthi yokwakha entsha iinjineli - isidima yabo kwezomsebenzi wobungcali, iikontraka jikelele - ubutyala umngcipheko baqeshe - izixhobo ezizodwa, ukuqesha, njl njl ...

Iintlobo inshorensi imisebenzi yokwakha

Ngokubanzi, umsebenzi wokwakha i-inshorensi:

• inshorensi "turnkey". Kulo mzekelo, uxanduva ukwakhiwa, ukubonelelwa kwezixhobo kunye nezixhobo, ufakelo, lokugunyazisa kuya kuba unokontraka jikelele;
• kumgaqo "unikezelo kunye nolawulo" - i-inshorensi kwempahla kwimisebenzi yokwakha, ulondolozo izinto zokwakha yenkqubo oomatshini nezixhobo zokusebenza, abasebenzi kunye nezinye amabutho umthengi .. Umakhi jikelele ulawulo elipheleleyo fakelo kunye nolwakhiwo. Uxanduva kule meko inshorensi ngabameli ikontraka jikelele, kunye neengozi nempahla ukhuseleko lwabathengi.

Njengoko isivumelwano

Yonke impahla esetyenziswe kwisiza wokwakha unako inshorensi phantsi kwenkqubo CAR-INDLEBE okhusela izakhiwo kunye nezakhiwo yethutyana, izixhobo inkqubo, eziluncedo kunye nabanye. isivumelwano Insurance kuphothulwe phakathi abameli kwenkampani yokwakha kunye arhente yenkampani. Le mvumelwano kufuneka iqulathe izinto kunye neenkqubo lokukhuselwa. Zezi:

• Ukuveliswa zokwakha kunye nokufakwa imisebenzi;
• iibhasi kunye hardware engathethekiyo;
• kwezakhelo zexeshana kunye nezakhiwo enzelwe zokulungiswa, okanye asakhe ngokutsha okanye uchitho;
• isiphumo installers kunye iinjineli: babeka eziluncedo, izixhobo imvelaphi inyuselwa khona, njalo njalo.

A into eyahlukileyo lesivumelwano umisela komhla wokuqalisa kwexesha-inshorensi. Kwiimeko ezininzi, isiqalo ithathwa okanye kumhla kokufumana imvume yokwakha, okanye usuku lokuqala kanye umsebenzi wokwakha. Kwezinye iimeko, loo nto ibonisa ixesha engange ye -inshorensi.

Ukuhlanganisa Ukunikezela

Ingongoma elandelayo efunekayo yesivumelwano insurance - ingxelo inshorensi. Ilungiselelwe yi umgaqo "ukhuseleko nxamnye nazo zonke iingozi." Oku kuvumela inkampani yeinshorensi ukunika inkxaso nakubakhi, hayi kuphela xa kuthe iingozi yamandulo: umlilo, iintlekele zemvelo, ubutyala yoluntu kumaqela wesithathu, kodwa iingozi ezithile ezinokuthi zivele. Phakathi kwezinto ezivame:

• iimpazamo nabaqambi;
• iziphene zokwakha;
• iintsilelo kunye iimpazamo kumsebenzi kwabasebenzi;
• umonakalo odalwe umsinga wombane;
• breaks cable kunye nezinye umonakalo ukufakelwa kwezixhobo;
• ngaphezulu.

sum inshorensi

Igatya olugunyazisiweyo kwekhontrakthi inshorensi ixabiso lembuyekezo xa umcimbi inshorensi. Ngexesha ukwakhiwa indleko ngqo zizonke zolwakhiwo ukunyuka into ukusuka kwiqanda ukuya ixabiso lemarike epheleleyo. Lonyuka Izinga elifanayo yaye isixa-inshorensi. Kodwa musa ukucinga ukuba inshorensi yemisebenzi yotyalo-mali kunye nokwakhiwa kuthwalelwa phandle ukude, kwaye abameli yenkampani kufunwa iingxelo iphepha kuphela ngenkqubela yomsebenzi owenziwa.

kwisigaba ngasinye kwakhiwa isakhiwo kufuneka bathobele peer review elizimeleyo. uviwo Independent ihlalutya zinto zilandelayo:

• Ukwakha umgangatho kwizigaba eziphakathi;
• umgangatho zokwakha kunye nokufakwa imisebenzi;
• ukuthotyelwa technologies zokwakha;
• Uvavanyo amanyathelo kunye neendlela zokuqinisekisa ipropati ukhuseleko eyakhelwe;
• ezinye.

uvavanyo Ingcaphephe lingakunika kunye kwinkampani ye-inshorensi, kunye nombutho ozimele, unelungelo ukwenza izigqibo ezifanayo. Enoba kunjalo, iziphumo ziingcali ezifunekayo ukuva ingqalelo abayili kunye abakhi. Kwakhona, ezi zinto zifunyanisiweyo kuba nefuthe elingqale kule mali lokwakha yokugcina - izichaso ezimbalwa nakubakhi, kungona umgangatho wokhuseleko kwisibonelelo - inowuthi insurance premium.

isiphelo

Inshorensi umsebenzi wokwakha, njengoko sibonile, abe indalo systemic, apho onke amaqela anomdla indlela injongo kunye nobulungisa. Ngokusebenzisa iinkqubo ze-inshorensi izinto ezikhethekileyo, imvumelwano nganye waqukumbela kubantu bonke. Kungahlanganisa ukukhuselwa yonke oomatshini zokwakha kunye nezixhobo ezizodwa kwiziza zokwakha, kuquka lowo esetyenziswa yamaLungelo ingqesho elifutshane elide (ezazakhiwe). Apha ungenza kwakhona kubandakanya iprogram ye-inshorensi abasebenzi kunye neengcaphephe ziingozi, i-inshorensi yonyango, ubutyala yoluntu kunye nobungcali kwiinkampani zokwakha amaqela esithathu. Ekugqibeleni, inkampani ngokwawo, ukuba uyilondoloze i-inshorensi umsebenzi wokwakha, qiniseka ukuba ziquka wena iinkqubo reinsurance ngamazwe ukuba ziqinisekise ukuphunyezwa ukuzinikela zakhe kunye nokuqinisekisa iintlawulo kwiimeko ezininzi kakhulu.