Video: Kev pov hwm vaj tse thiab kev lav phib xaub yog dab tsi?
2024 Tus sau: Taylor Roberts | [email protected]. Kawg hloov kho: 2023-12-16 00:29
Liability insurance muab kev tiv thaiv tiv thaiv kev thov uas tshwm sim los ntawm kev raug mob thiab kev puas tsuaj rau tib neeg thiab / lossis vaj tse . Kev pov hwm kev lav paub npog cov nqi raug cai thiab them nyiaj rau uas nyiaj pov hwm tog yuav raug lav paub. Cov cai uas tsis suav nrog kev puas siab puas ntsws, kev cog lus liabilities , thiab kev foob plaub ntug.
Xav txog qhov no, qhov sib txawv ntawm kev pov hwm vaj tse thiab kev lav phib xaub yog dab tsi?
General kev lav paub npog kev raug mob thiab kev puas tsuaj uas tshwm sim hauv kev ua lag luam. Kev raug mob nyiaj pov hwm tsom rau kev raug mob ntawm koj thaj chaw lag luam thiab kev ua txhaum cai tawm tsam nws. Pov hwm vaj tsev npog kev poob rau koj thaj av, vaj tse, thiab khoom, thiab qee zaum ua ke nrog kev raug mob nyiaj pov hwm.
Tsis tas li ntawd, hom kev tuav pov hwm kev lav phib xaub yog dab tsi? Muaj ntau hom kev lav phib xaub lav txoj cai raws li tau hais hauv qab no:
- 1) Txoj cai lav paub ua lag luam (CGL):
- 2) Cov thawj coj thiab cov neeg lis haujlwm lav nyiaj pov hwm:
- 3) Kev pov hwm kev nyab xeeb tshaj lij:
- 4) Cyber risk insurance:
- 5) Kev pov hwm kev ua txhaum kev lag luam:
- 6) Kev tuav pov hwm kev lav phib xaub raws txoj cai:
Tsis tas li ntawd, dab tsi yog them raws li cov khoom ntiag tug ntawm kev tuav pov hwm tus tswv tsev?
Cov khoom ntiag tug kev pab them nqi, los yog kev tuav pov hwm tus kheej , tiv thaiv cov khoom hauv koj lub tsev - xws li rooj tog, khoom siv thiab lwm yam tus kheej khoom muaj - los ntawm ntau yam uas tuaj yeem rhuav tshem lawv.
Puas yog kev tuav pov hwm vaj tse zoo ib yam li kev tuav pov hwm vaj tsev?
Kev tuav pov hwm tus tswv tsev tiv thaiv koj tsev , tab sis nws muaj kev pov hwm ntau dua li lub tsev nyiaj pov hwm ua. Kev tuav pov hwm tus tswv tsev kuj tiv thaiv cov txheej txheem ntxiv ntawm vaj tse , xws li cov chaw tso tsheb thiab cov tiaj nraum qaum tsev. Tsis zoo li feem ntau vaj tse vaj tse nyob, kev tuav pov hwm cov tswv tsev kuj tiv thaiv koj tus kheej vaj tse.
Pom zoo:
Kev tuav pov hwm kev lav phib xaub lav tsheb yog dab tsi?
Garagekeepers Legal Liability insurance muab kev tiv thaiv nyob rau hauv rooj plaub uas lub tsheb puas los ntawm hluav taws, tub sab nyiag, kev tsim txom lossis kev sib tsoo. Nws tiv thaiv tus neeg siv khoom lub tsheb thaum koj khaws nws ntawm qhov chaw them rau kev nres tsheb lossis khaws cia, lossis ua haujlwm
Dab tsi yog qhov sib txawv ntawm qhov kev lav phib xaub hauv tsev thiab kev lav paub dav?
Yog tias tus neeg siv khoom plam thiab poob rau hauv qhov chaw pabcuam hauv av, kev lav phib xaub yuav tuaj nqa qhov xwm txheej no. Kev lav ris rau tsheb, ntawm qhov tod tes, nthuav dav txoj cai kev lav phib xaub dav dav rau cov tsheb uas tau siv nyob hauv thaj tsam ntawm kev lag luam, lossis uas yog nyob hauv kev saib xyuas, saib xyuas, thiab tswj hwm koj lub lag luam
Dab tsi yog qhov txawv ntawm kev tuav pov hwm tsev nyob thiab kev tuav pov hwm vaj tsev?
Kev tuav pov hwm nyob, qee zaum hu ua "pov hwm tsev thib ob" lossis "kev pov hwm vaj tse peev", tsuas yog siv lub tsev xwb. Kev tuav pov hwm tus tswv tsev yog tsim los rau tus pov hwm lub tsev thawj. Ib lub tsev uas cov ntawv pov hwm them nqi xauj tsev tsuas yog them rau lub tsev xwb, thiab kev lav phib xaub
Qhov sib txawv ntawm kev lav paub lub kaus thiab kev lav phib xaub ntau tshaj yog dab tsi?
Lub Liab Liab yog txoj cai tsim los tiv thaiv tus tuav pov hwm los ntawm qhov muaj peev xwm "loj" poob. Umbrella kev pab them nqi yog ib hom Excess Liability, uas tsuas yog siv rau cov kev txwv ntxiv. Muab cov kev txwv ntxiv rau tus neeg pov hwm thaum lawv cov cai hauv qab txoj cai txwv tsis pub dhau los ntawm kev thov them nyiaj ntawm qhov tshwm sim
Koj txhais li cas los ntawm kev lav phib xaub Dab tsi yog qhov tseem ceeb ntawm kev tuav pov hwm marine?
Kev lees paub yog ib yam uas tus tswv tuav txoj cai lees paub tias qee yam yuav tsum lossis yuav tsum tsis ua thaum lub sijhawm tuav txoj cai. Nws txhais tau tias, nws lees paub lossis tsis lees paub qhov muaj tseeb ntawm qhov tseeb. Warranties zoo ib yam li nqe lus raws li qhov kev pov hwm cog lus tias yuav ua lossis tsis ua qee yam tshwj xeeb