Puas yog kev lav phib xaub tib yam li E&O?

Video: Puas yog kev lav phib xaub tib yam li E&O?

2024 Tus sau: Taylor Roberts | [email protected]. Kawg hloov kho: 2023-12-16 00:29

Kev lav phib xaub insurance (PLI), kuj hu ua professional indemnity kev tuav pov hwm (PII) tab sis feem ntau hu ua yuam kev & omissions ( E&O ) hauv Teb Chaws Asmeskas, yog ib daim ntawv ntawm kev lav ris kev tuav pov hwm uas pab tiv thaiv tshaj lij cov lus qhia- thiab kev pabcuam-muab cov tib neeg thiab cov tuam txhab los ntawm kev coj tus nqi tag nrho ntawm tiv thaiv

Yog li ntawd, E&O puas yog kev lav phib xaub?

Kev tuav pov hwm yuam kev thiab kev tso tseg ( E&O ) yog ib yam ntawm kev lav ris kev pov hwm uas tiv thaiv cov tuam txhab, lawv cov neeg ua haujlwm, thiab lwm tus kws tshaj lij tiv thaiv cov lus foob ntawm kev ua haujlwm tsis txaus lossis ua tsis zoo.

Ib yam nkaus, txoj cai lij choj lav paub txog dab tsi npog? Kev lav phib xaub insurance yog a txoj cai uas pab npog ua yuam kev los ntawm koj lub lag luam lossis ua tsis raug cai los ntawm koj lub tuam txhab. Kev lav phib xaub kev tuav pov hwm pab kev lag luam huab cua cuam tshuam los ntawm qhov ua yuam kev loj uas yuav ua rau muaj kev phom sij rau tus neeg siv khoom lossis tus neeg siv khoom.

Hauv qhov no, qhov sib txawv ntawm kev lav phib xaub thiab kev lav phib xaub sib txawv yog dab tsi?

Cov qhov sib txawv ntawm kev lav phib xaub thiab kev lav ris yog hom kev pheej hmoo uas lawv npog. Kev lav phib xaub tiv thaiv kev raug mob rau lub cev rau tib neeg lossis kev puas tsuaj rau cov khoom uas tshwm sim los ntawm koj cov haujlwm niaj hnub. Kev lav phib xaub npog qhov tsis saib xyuas ntsig txog tshaj lij kev pab los yog tswv yim.

Leej twg xav tau kev them nqi tshaj lij?

Koj yuav xav tau professional indemnity insurance yog: Koj muab tswv yim los yog tshaj lij cov kev pabcuam rau koj cov neeg siv khoom (xws li kev sab laj lossis kev cog lus) Koj muab cov qauv tsim rau koj cov neeg siv khoom (xws li ua haujlwm ua tus kws kos duab lossis tus tsim qauv)

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

Puas yog hluav taws kev lav phib xaub zoo ib yam li kev puas tsuaj rau cov tsev xauj tsev?

Npog Txoj Cai Luag Haujlwm Xwb Tsuas yog Kev pov hwm kev puas tsuaj rau hluav taws uas tau muab nyob rau hauv Kev Puas Tsuaj Rau Lub Tsev Rotten Rau Koj siv tsuas yog koj raug cai raug cai rau kev puas tsuaj. Ntawd yog, qhov hluav taws kub puas tsuaj rau koj lub tsev (lossis nyob hauv) thaj chaw yuav tsum yog los ntawm koj qhov tsis saib xyuas

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

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