Kumashishini amancinci naphakathi (SMEs) e-UK, i-inshurensi yinxalenye ebalulekileyo yolawulo lomngcipheko. Imigaqo-nkqubo ye-inshorensi ikhusela kwizinto ezininzi ezinokusongela ushishino. Apha sijonga ukuba zeziphi iipolisi ze-inshurensi ezinyanzelekileyo okanye ezicetyiswayo kwinkampani yakho.
Ukuba ulawula inkampani ye-B2B, unoxanduva lwakho, abasebenzi bakho kunye namaqabane akho eshishini. Oku kuthetha ukuba kufuneka uqwalasele imiba yetyala enokuthi ibe neziphumo ezibi kwinkampani yakho, okanye uyibeke ngaphandle kweshishini. Ukukhusela kumngcipheko, unokuthatha iipolisi ezahlukeneyo zeinshorensi.
Zeziphi iipolisi ze-inshorensi zeshishini ezifunwa ngokusemthethweni?
I-inshurensi yetyala lomqeshi
The UMthetho woTyala loMqeshi (i-Inshurensi eSinyanzelo) ka-1969 ithi, ukuba uqesha nabani na, nokuba uqeshwe isigxina, ixesha elithile, ixesha elithile okanye ixeshana, kufuneka uthathe i-inshorensi yetyala lomqeshi, equka amabango embuyekezo owenziwe ngabasebenzi bakho. Kuphela kohlobo lwe-inshurensi enyanzelekileyo kumashishini ase-UK. Ukuba ungumrhwebi wedwa, awudingi i-inshurensi yemfanelo yomqeshi.
Kufuneka ufumane i-inshurensi yeLiability yabaQeshi (EL) ngokukhawuleza nje ukuba ube ngumqeshi. Ipolisi yakho kufuneka ikuhlawule ubuncinane nge-5 yezigidi zeerandi kwaye kufuneka ivele kumkhuseli ogunyazisiweyo. Unokuhlawuliswa i-£ 2,500 yonke imihla xa ungakhuselwanga ngokufanelekileyo.
Kufuneka kwakhona ubonise iSatifikethi soButyala boMqeshi (oku kunokuba yikopi yedijithali, ukuba nje ifikeleleka kubo bonke abasebenzi bakho). Ukuba uyasilela ukubonisa isatifikethi sakho se-EL okanye ukusivelisa xa ucelwe ngabahloli, unokuhlawuliswa i-£ 1,000.
I-inshurensi yemoto
Ukuba ishishini lakho lisebenzisa izithuthi, unyanzelekile ngokusemthethweni ukuba ube ne-inshurensi yemoto yorhwebo. Kwezinye iimeko apho izithuthi ziyinxalenye engundoqo yeshishini lakho, umzekelo ukuba unenkampani yeeteksi okanye inkonzo yekhuriya, unokufuna ipolisi ye-inshurensi ekhethekileyo.
I-inshurensi yemoto yomntu wesithathu yeyona ifunekayo ngokomthetho. Oku kuhlawulela wena ukuba unoxanduva lwengozi kwaye umntu wesithathu wenza ibango ngokuchasene nawe. Nangona kunjalo, kububulumko ukuba ne-inshurensi yemoto ebanzi. Oku akuquki kuphela ityala lakho kumaqela esithathu, kodwa nobusela okanye umonakalo kwisithuthi sakho, umonakalo womlilo, iindleko zonyango kunye neendleko zokutshintsha okuqulethwe yisithuthi. Ubusela bungumngcipheko okhethekileyo kumashishini amancinci amaninzi, njengoko iiveni ezinezixhobo okanye izixhobo zidla ngokujoliswa kuzo.
Zeziphi iipolisi ze-inshorensi zeshishini ezicetyiswayo kwii-SMEs?
I-inshurensi yoxanduva loluntu
Oku kubandakanya amabango embuyekezo enziwe kuwe liqela lesithathu. Ukuba ishishini lakho lisebenzisana noluntu, kufuneka ube ne-inshurensi yetyala loluntu. Inika ukhuseleko lwezemali kwimeko yokwenzakala okanye ibango lomonakalo wepropathi elenziwe ngumthengi, umthengi okanye ilungu loluntu.
I-inshorensi yamatyala oluntu ibaluleke ngakumbi ukuba abathengi batyelela indawo yeshishini lakho, ukuba usebenza kwiindawo zabaxumi okanye kumakhaya abantu okanye iigadi, okanye ukuba usebenza kwiindawo zikawonke-wonke kwaye unokubangela ukwenzakala okanye umonakalo kuluntu. Ingakunceda ekuhlawuleni iindleko zemirhumo yezomthetho eyenziweyo okanye iintlawulo ezivela kwibango ukuba ufunyaniswa unetyala.
Nangona i-inshurensi yoxanduva loluntu ingeyomfuneko esemthethweni, abathengi abaninzi baya kugxininisa kuyo. Eminye imibutho yorhwebo ayikuvumeli ukuba ubhalise kuyo ngaphandle kokuba une-inshurensi yetyala likawonke-wonke. Iikhontrakthi zorhulumente wasekhaya ziya kufuna kwakhona ubungqina be-inshurensi yoxanduva loluntu.
I-inshurensi yePropati
I-inshurensi yePropati ikhusela umonakalo owenziwe ngengozi okanye ukubiwa kwepropati yakho. Kwakhona, ayisiyomfuneko yomthetho, kodwa ukuba nabani na unayo inzala engahlawulelwayo kwipropati onayo okanye oyisebenzisayo, banokufuna ukuba ube nepolisi ye-inshurensi yepropathi. Imizekelo yabantu abanenzala engahlawulelwayo ngabo bakuboleke imali yokuthenga ipropati, okanye abakuqeshileyo okanye bakuqeshele izixhobo.
I-inshurensi ekhethekileyo
Ngokuxhomekeke kwishishini lakho, unokufuna ukhuseleko olongezelelweyo, olukhethekileyo lwe-inshurensi. Ezona ndidi zixhaphakileyo ze-inshurensi yee-SME zezi:
- I-inshurensi yezixhobo eziphathwayo: ukuba wena okanye abasebenzi bakho nisoloko nisebenzisa izixhobo ezingaphandle kwendawo yeshishini lakho (ezinje ngeelaptops, iiselfowuni, iitafile okanye izixhobo eziphathwayo) unokukhetha ukuzifaka kwi-inshorensi ngokwahlukeneyo ukuze zikuhlawulele xa ulahlekelwe okanye ubusela.
- I-inshurensi ye-cyber (maxa wambi ibizwa ngokuba yi-inshurensi ye-cyber liability) ukuhlawulela ilahleko yemali kuwe okanye ishishini lakho ngenxa yeziganeko ezinjengofikelelo olungagunyaziswanga, i-cyberattack okanye ukwaphulwa kwemfihlo.
Umthombo ovela Europages
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