ʻO nā kulekele pili no nā kuleana nui
ʻO ka hapa nui o nā kulekele o nā loina ākea (likeʻole ia) i ka palapala paʻa o ke kuhi maʻamau ISO (CGL).
Māhele ka CGL i ke kaʻina o ka'āina i nāʻaelike hoʻoikaika i lalo o nā Māhana A a me B. Ma lalo o ka Coverage A,'ōleloʻia e hōʻinoʻia ka hōʻeha kino a iʻole ka waiwai waiwai wale nō inā he kumu ia e hanaʻia ma ke kaʻina'āina. Pēlā nō,'ōleloʻo Coverage B i ka uhi pilikino a me ka hoʻolahaʻana inā wale nō ke kumu o ka hewa i hanaʻia ma ke kaʻina o ke kaʻina. No laila,ʻaʻole hoʻolakoʻia kekahi pākuhi ma lalo o ke kulekele no nā kuleana e loaʻa ana mai kekahi hanana a iʻole ka hewa e hanaʻoleʻia ana ma ka'āina āpau.
Ka inoa o ka Terverage Territory
ʻO ka ho'ākākaʻana o ke kaʻina'āina ma ka CGL heʻekolu mau māhele:
ʻOʻAmelika Hui PūʻIa (me kona mau'āina a me kona waiwai),ʻo Puerto Rico a me Canada Ua hoʻomaka muaʻia ka CGL e uhi i nā koi e pili ana i nā hanana i hōʻea i ka United States. Me nā kuhi'ē aʻe (e kuhikuhiʻia ma lalo nei),ʻaʻole ia e uhi i nā koi e pili ana i nā pōʻino i hōʻea i nā'āina'ē.
Nā wai a me nā mokulele honua inā loaʻa kaʻeha a iʻole nā meaʻino i kahi kanaka a waiwai paha e holo ana ma waena o USA, Puerto Rico a me Canada Ua hōʻike maikaʻiʻia kēia māhele e kekahi hiʻohiʻona. Inā paha he meaʻoihana kāu e hana nei. ʻOiai e holo ana ma ka mokulele mai New York i Puerto Rico, ua pōʻino ka mea hana i ka waiwai o kekahi mea'ē aʻe.
I ka wā i hanaʻia ai ka pōʻino, lele ka mokulele i nā mokulele honua. Inā hoʻopiʻi ka mea nāna ka waiwai i hoʻolālā i ka limahana a i kāu hale no ka hōʻinoʻana i ka waiwai, hiki ke hoʻopaʻaʻia ka kuleana e kāu kulekele pili kālā.
Ma nā wahi'ē aʻe ma waho o ka honua, heʻokoʻa nā USA, Canada a me Puerto Rico Ua hoʻopauʻia kēia kaʻina honua āpau iʻekolu mau koi. Hoʻohana wale ia no ka hōʻeha a ihaʻino paha e puka mai ana mai:
- ʻO kahi huahana āu i hana ai a kūʻaiʻia paha ma ka USA, Puerto Rico a iʻoleʻo Canada. Eia kekahi laʻana, kākoʻa kāu hui i kāleʻa ma ka US a hoʻokuke aku iā lākou iʻEulopa. ʻO ke kanaka kūʻai i Kelemania e kūʻai i kāu huahana a laila hoʻopuka i kahi hoʻopiʻi no ka hōʻai'ē huahana i kāu firm. Ua'ōleloʻo ia e hele mai ka kuʻekuʻe wāwae ma kahi kāmaʻa, e hāʻule i lalo a mālama i kahi poʻoʻeha nui.
- ʻO kahiʻoihanaʻoi manawa pōkole i hanaʻia eʻoe a iʻole kekahi mea'ē aʻe. Iāʻoe e hele nei i kahi mea kūʻai ma kona keʻena ma Italia. Hoʻokumuʻoe i kahi pīsī cigarette i kahi'ōpala a hiki i ke ahi ke hoʻomaka i ke ahi ma ke keʻena. Makemake ka mea kūʻai i kāu hale no ka poino waiwai.
- Nā hana hewa a me nā hoʻolaha hoʻolaha i hanaʻia ma o ka pūnaewele a iʻole nāʻano hana'ē aʻe o ka leka uila. Eia kekahi, ke kau neiʻoe i kahi hoʻolaha no kāu huahana ma ka pūnaewele o kāu pūnaewele. ʻO ka mea hoʻokūkū ma Sepania e hoʻopaʻi iāʻoe no ka hōʻino . Ke'ōlelo nei ka mea koi i ka hōʻino waleʻana o kāu ipo i kāna hui, a uaʻimiʻo ia i $ 50,000 i nā poho.
E hoʻomaopopo i ka weheweheʻana o ka palena'āina ma ka ISO CGL palena palena i nā hopena i laweʻia i loko o USA,ʻo Puerto Rico aʻo Canada paha. ʻO keʻano ,ʻaʻole i uhiʻia nā halihali i laweʻia i nā'āina'ē (ma waho aʻe o Kanada) . Ma nā hihia i hōʻikeʻia ma luna nei, nā mea e holo ai ka mea mokulele o ka mokulele, ka mea kūʻai kūʻai Kelemania, ka mea kūʻai o Italia, a me ka mea hoʻokani Pepania e uhi waleʻia ke kiʻiʻia ma USA, Puerto Rico aʻo Canada paha.
ʻOhana Auto
ʻO ke kulekele'ōkuhi ISO paʻahana ka mea e ho'ākāka ai i ka mahele'āina ma nā kulekele pili . Ke'ōlelo neiʻo ia nā pilikia a me nā lilo i uhi waleʻia inā wale nō e hōʻea ana iʻAmelika Hui Pūʻia (me nā'āina a me nā waiwai), Puerto Rico a me Canada.
ʻO ke kumukūʻai e hāʻawi liʻiliʻi liʻiliʻi wale no nā kaʻa i hoʻoiliʻia ma waho o ka US me ka meaʻole o ka mea hoʻokele.
No ka uhiʻiaʻana, pono nā kaʻa he mau moku kaʻa kaʻa kaʻa wale (ʻaʻoleʻo nā loilo) i hoʻolimalimaʻia, hoʻolimalima, hoʻolimalimaʻia a hoʻolimalimaʻia no nā lā ma lalo o 30 mau lā. No kekahi koi a pane paha e uhiʻia, pono e laweʻia mai i USA, kona'āina a me nā waiwai,ʻo Puerto Rico aʻo Canada paha.
Kahi Kūʻai
Ma lalo o ke kulekele waiwai paʻa o ISO , pauʻole ka pohō a iʻole kaʻino i nā mea wale nō i loko o ke kapi'āina . Ua kapaʻia kēia hua'ōleloʻoʻAmelika Hui PūʻIa (me kona mau'āina a me kona waiwai), Puerto Rico a me Canada.
Ka uku hana o nā limahana
ʻAʻole hoʻohana ka pilikino o ka NCCI i ka kulekele uku no ka palena manawa. Mahele o kekahi o nā kulekele (Kauihana Hana) hoʻohuiʻia nā kānāwai o nā moku'āina kahi i uhiʻia nā wahi hana. Hoʻoponopono kēia mau kānāwai i kahi e pili ai ka pili. Hoʻopiʻi nuiʻia nā mea hoʻolimalima kālā e hoʻokuʻi i nāʻeha i loaʻa ma nā moku'āina kahi e hoʻohanaʻia ana nā limahana. Eia naʻe,ʻo nā Moku'āina he nui ke hāʻawi aku i kekahi kikowaena no nā limahana iʻehaʻia ma waho o ko lākou home home a i ka wā e hele malihini ana i nā'āina'ē .
Māheleʻelua o ke kulekele, nā Insurance Employees Liability Insurance , ke wehe i ka hōʻeha kino i puka ma waho o ka United States of America, kona mau'āina a me kona mau waiwai, a me Kanada. ʻAʻole e pili kēia hoʻopiʻiʻana i kahi kamaaina a noho paha e noho nei ma waho o kēia mau'āina, e'ōlelo, ma kahiʻoihanaʻoihana pōkole. ʻAʻohe pale i uhiʻia ma lalo o ka Paukūʻelua keʻole lākou e laweʻia mai i loko o ka USA, nā'āina, a me nā waiwai, aʻo Canada paha.
Nā kulekele me ka weheweheʻole
Kūmauʻole kekahi mau kulekele i kahi e pili ana. ʻO ka heleʻana o kahi māheleʻikepili iʻikeʻia i kaʻoihana umbrellas . ʻO ke kulekele e hōʻikeʻole nei i kahi palena'āina e hoʻohanaʻia nei e hoʻohanaʻia ma ka honua holoʻokoʻa.