Nā Pōmaikaʻi a me nā Kinoʻole
ʻO ka ISO BOP i hoʻopaʻaʻia he palapala hōʻike, he pepa BOP, kahi mahele o nā kūlana maʻamau, a hoʻokahi aʻoi aku paha nā hopena .
Hāʻawi nā kulekeleʻelua i nā mea maikaʻi i nāʻoihana liʻiliʻi: ke kūʻai a me ke kumukūʻai. Hiki i kahi BOP ke hoʻolaha nui no ka uku haʻahaʻa. ʻO ka'āpana waiwai e komo i nā mea e like me ka uku kālā i hōʻoleʻoleʻia ma lalo o kahi kulekele waiwai waiwai kalepa . ʻO ka'āpana kuleana e hāʻawi like i nāʻano likeʻole e like me keʻano maʻamau o ISO no ke kaʻina hana laulima (CGL).
ʻOiai hiki ke hoʻololi a hoʻonui paha i kahi BOP ma o ka hoʻohuiʻana o nā hōʻaiaʻana,ʻaʻole ia he maʻalahi me he kulekele hōʻailona paʻa. ʻO ka ISO BOP kahi wale nō ka waiwai a me nāʻaina no ka luhi whānui. Hiki ke komo i kahi papaʻoihana ka waiwai kūʻai, kaʻaha nui, ka pāʻoihana pāʻoihana, ka moana i uka, ka hewa, a me nā pono hana no ka pilikino . Loaʻa nāʻoihana'ē aʻe no ka hoʻololiʻana i kahi hōkeʻe maʻamau ma mua o kahi BOP.
E hoʻonui kekahi mau mea hoʻolako i ke kuleana no ka pilikino a iʻole ka hana pili i ka BOP.
Inā kūʻaiʻoe i kahi BOP a makemake i kēia mau'enehu, e nānā i ka mea nāna e hoʻolako e hoʻokomo iā lākou i loko o ke kulekele.
ʻO ke kūpono
No ka hoʻokōʻana i ke kelepili ma lalo o kahi BOP, pono nāʻoihana pāʻoihana e hoʻokō i kekahi mau koi. Hoʻololi kēia mau mea mai kahi mea nānā i kekahi. Nui nāʻanoʻoihanaʻoihana i kūpono i kahi BOP.
ʻO nā hōʻailona he mau hokele a me nā motels, nā hale kūʻai lole, nā hale kūʻai, nā hale kūʻai kūʻai, nā laundries, a me nā mea kūʻai nui. ʻO nā haleʻai mau meaʻai, nā hale kumukūʻai, nā kāhua lawaiʻa a me nāʻoihana meaʻai liʻiliʻi'ē aʻe ke kūpono ke kūpono inā e hana lākou i kahi mea kanu liʻiliʻi. ʻO nā kamaliʻi liʻiliʻi e komo i ka hana hale, ke kamanā, ka pale maloʻo a iʻole ka hana'āina e kūpono hoʻi no kahi BOP.
Hiki ke hoʻohanaʻia he BOP i mea e hoʻomau ai i nā hale noho, nā condominiums noho, nā hale keʻena, a me nā hale'ē aʻe no ka kūʻaiʻana, ka nui, ke lawelawe, a me nā hana hana. Eia naʻe,ʻaʻole hiki i nā hale ke piʻi ma mua o nā palena nui. No ka laʻana,ʻaʻole hiki i nā hale keʻena keʻoi aku ma mua oʻeono mau moʻolelo aiʻole 100,000 kapuaʻi kapuaʻi. Pēlā nō,ʻaʻole i hiki i nā hale i hoʻohanaʻia no kaʻoihana kalepa,ʻoihana,ʻoihana, aʻoihana paha ma mua o 35,000 kapuaʻi kapuaʻi.
ʻAʻole kūpono kekahi BOP i kahiʻoihana no ka nui o lākou a iʻole keʻano o kā lākou hana. ʻO nā lālā he mau hale kiʻekiʻe kiʻekiʻe, nā mea hana, nā mea kūʻai kaʻa kaʻa, nā hale kūʻai mīkini, nā mea kanu lāʻau, nā kīʻaha, nā kīʻahi, nā kaʻa paʻi kaʻa, a me nā mea hana.
ʻO ka Waihona Waiwai Kūʻai
ʻO ka'āpana waiwai o ka kulekele BOP maʻamau e like me ka kulekele waiwai waiwai o ISO. Mālama kēia i nāʻano waiwai:
- Nā hale i ka hale i ho'ākākaʻia ma nā hōʻike, e like me nā lako a me nā pono i hoʻonohonoho ponoʻia
- ʻO nā waiwai pilikino pono'ī i loko o nā hale i uhiʻia
- ʻO nā mea hoʻoilina e hoʻoikaika a me nā hoʻololi
- Nā waiwai o nā kānaka'ē aʻe
- ʻO ke aniani kākoʻa i loaʻa iāʻoe a iʻoleʻoe i mālama iāʻoe inā he mea hoolimalimaʻoe
ʻO kahi BOP e pili ana i ka pohō a iʻole ka hopena e kekahi pilikia i ho'ākākaʻoleʻia ma ka pauku i weheʻia o ka kulekele. ʻO nā hemahema i loko o ka BOP e like me nā mea i loaʻa ma ka kulekele waiwai waiwai "kūpono".
Nā Hoʻopiʻi Hou
Hoʻokahi lanakila o kahi BOP e hoʻokomo wale ia i kahi o nā pahu wai i ho'ākāka pinepineʻia e ka hōʻoia ma lalo o kahi kulekele pili waiwai. Ua heluʻia kekahi mau hiʻohiʻona i lalo nei. ʻO ka hapa nui o kēia mau'awaʻaina ua hoʻokomoʻia ma kahi palena liʻiliʻi. ʻElua hopenaʻo ka loaʻa kālāʻoihana a hoʻonui i ka uku.
ʻAʻole pili kekahi palena kūpono i kēia mauʻahu. Mālama ke kulekele i ka nele o nā kālā i loaʻa a / a iʻole nā hoʻonui kālā hou i loaʻa i loko o nā mahina heʻumikumamālua i hope o ka lā o ka poho kino.
- Ka HoʻolālāʻIke Waiwai
- ʻO ka hoʻolimalima kālā hou
- ʻO ka hoʻopili kuleana aupuni
- Nā Pepa Kūpono
- ʻO ka hōʻai'ē kālā hōʻai'ē
- Kaʻikepili helu
- Loaʻa hou i ka waiwai
- Ka pilikia o ka hana 'Ikepili
- Wahi (Malu) Coverage
ʻO ka Liability General Coverage
E like me ka ISO CGL, kahi BOP e pili ana i nā mea e pili ana i nā kuleana e pili ana i nā kuleana o kaʻaoʻaoʻekolu; Mālama ka BOP i nāʻahu inu ma lalo o kahiʻaelike mālama hoʻokahi. ʻO nā kuleana i hala ma ka BOP e like like ia me nā mea i loaʻa ma ka CGL. E like me ka CGL, hiki i ka BOP ke hāʻawi aku i kekahi mau hopena ma nā kumu hoʻokoe i nā mea i hoʻoneʻeʻia. ʻO nā mea likeʻole heʻaelike paʻahana , nā pono o ka mea inu waina , a me ka poino i nā wahi i ukuʻia .
ʻO kahi BOP e pili ana i ka Waiwai Lapaʻau Medical , nāna e uku i nā lilo i loaʻa e nā poʻe i hōʻehaʻia ma muli o kāu hanaʻoihana. Hoʻolimalima nā uku kālā i nā uku i nāʻaoʻaoʻeha i ka wā i loaʻaʻole ai ka hoʻokolokolo.
Māhele Mākaʻi
Hiki i kekahi mauʻoihana ke makemake i nā palena palena kiʻekiʻe ma mua o nā mea i hāʻawiʻia e ka BOP. ʻO ka mea pōmaikaʻi, he nui nā mea hoʻolale kālā e hāʻawi aku i kahi hoʻopalu pāʻoihana e hiki ke kākauʻia me ka BOP.