EXCESS INSURANCE
EXCESS SURETY BODS
Isibopho
Iyini iBond?
Amabhondi Esibambiso Neziqinisekiso Zezezimali amagama asetshenziswa cishe ngokushintshana olimini lwezinkontileka. Amaklayenti ngokuvamile athi “Ngidinga ibhondi” kodwa awaqiniseki ukuthi hlobo luni noma angase angazi ukuthi yini ngempela eqinisekiswayo.
Ngezansi siveza ezinye zezinto eziyisisekelo, mhlawumbe kuzosiza ukucacisa indawo edidayo yokuthola amabhondi.
Obani abathintekayo?
Ibhondi yesibambiso noma isibambiso isithembiso sokukhokhela inkampani eyodwa (isibopho noma ozuzayo) inani elithile uma inkampani yesibili (uthishanhloko noma usonkontileka) ehluleka ukuhlangabezana nesibopho esithile, esifana nokugcwalisa imigomo yenkontileka. Isibopho sesibambiso sivikela umuntu oyisibopho ekulahlekelweni okubangelwa ukwehluleka kukathishanhloko ukuhlangabezana nesibopho.
Uthishanhloko: Ibhizinisi okufanele ngabe lenza umsebenzi noma lifeza isibopho
Ophoqelekile: Umhlomuli owenzelwe umsebenzi noma inhlangano uthishanhloko athembisa kuyo ukuthi izofeza isibopho sayo okungukuthi umuntu noma inhlangano ekhokhela inkontileka.
Isibambiso: Inkampani eyenza isiqinisekiso egameni likathishanhloko kulowo oyisibopho.
Isebenza kanjani?
Iziqinisekiso eziningi zezinkampani yizinkampani zomshwalense, ikakhulukazi ngoba, njengezikhungo ezinkulu zezezimali, zinemali edingekayo yokwenza izibopho ezinkulu ngendlela yamabhondi esibambiso. Ngenxa yokuthi izinkampani zomshwalense zingabakhiphi abayinhloko bamabhondi esiqinisekiso kunombono oyiphutha ovamile wokuthi amabhondi nezinqubomgomo zomshwalense ziyafana. Akunjalo.
Umshwalense ubandakanya abantu ababili kuphela, umthwali womshwalense kanye nothishanhloko. I-suretyship ihlanganisa amaqembu amathathu. Uthishanhloko ngumuntu noma inhlangano edingekayo ukuze kutholwe ibhondi. Obophezelekile yilowo odinga ibhondi kathishanhloko; baphinde babe ngabahlomuli uma kwenzeka isicelo. Isiqiniseko yinkampani yebhondi esekela ibhondi. Ukukufingqa, obophezelekile udinga ibhondi kathishanhloko oyithola kusibambiso.
Inzuzo etholwa inkampani ethola ibhondi ukuthi iyenza ikwazi ukukhulula imali yokusebenza (indawo ye-overdraft) kuyilapho isiqinisekiso esikhishwe yibhange siwumdwebo ongaphansi kwezinsiza zakho zezikweletu futhi ingase idinge inkokhiso ngokheshi/impahla enanini lebhondi. noma izibopho. Ngokungafani neziqinisekiso zasebhange, amabhondi esibambiso akhishwa inkampani yomshwalense cishe ahlala anemibandela, okubeka umthwalo kumzuzi wokufakazela ukulahlekelwa uma kwenzeka kuba nenkontileka yokwehluleka.
Ingabe umqondo wesiqiniseko ufana nekhredithi?
Inkampani eqinisekisa ibhondi yesibambiso ayinaso nakancane isifiso sokukhokha, njengoba nje nosomabhizinisi oboleka imali ezokwenza konke okusemandleni ukugwema ukulahlekelwa yimali yakhe unomphela. Ngakho-ke, njengomphathi wasebhange, umbhali ofaka isibambiso uzokwenza uphenyo oluthile kuthishanhloko, ukuze azizwe ekhululekile ukwenza isiqinisekiso egameni lalowo thishanhloko. Isiqiniseko, kalula nje, sizama ukungalahlekelwa ukulahlekelwa.