'Inisiua Kuleana Kuleana: E mālama pono ia ma ka pae hana

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He ʻokoʻa nā pōʻino o ka lilo ʻana i mea ʻaelike. I kēlā me kēia lā, kū ka poʻe ʻaelike i nā pōʻino kūikawā ma ka hana ʻaʻole hiki ke ʻōlelo ʻia e pili ana i kekahi ʻoihana a ʻoihana ʻē aʻe. Mai ka hana ʻana me nā kemika a i nā mīkini kaumaha, hana kēia mau pilikia i kahi ala ʻoihana hoihoi akā paʻakikī.

Ua ʻike ʻia nō hoʻi ʻaʻole e lōʻihi ka lōʻihi o ka poʻe hana noʻonoʻo i kahi ʻoihana kūkulu hale. Hiki mai nā pōʻino, ʻoi aku ma luna o nā papahana e pili ana i ka hoʻohana ʻana i nā mīkini kaumaha a me nā lako hana. Me ka ʻole ʻinikua a ka mea ʻaelike, ʻo nā lilo e hiki mai ana ma ke ʻano he uku, hoʻoponopono, a hoʻoponopono paha e puka mai ana mai loko mai o ka ʻeke o ka mea nona.

ʻO ke ʻano o ka ʻoihana, a me kona nui a me kona wahi, e hoʻopili i ka uhi a me nā kulekele ʻinikua e pono ai ka mea ʻaelike. He waiwai a he waiwai ka ʻoihana hoʻolimalima i hoʻokumu ʻia akā he mea nui ka ʻinikua o ka poʻe ʻaelike no ka poʻe ʻaelike e hana i kā lākou maikaʻi loa me ka hopohopo ʻole i kekahi ulia a i ʻole pilikia e pili ana i ka ʻoihana.

Eia kahi Kuleana a ka poe aelike hele mai e hōʻoia i ka pale pono ʻana o nā ʻoihana kūkulu hale mai nā ulia a me ka nalowale o ka loaʻa kālā e hōʻike ana i nā bila kānāwai a i ʻole nā ​​​​koina ʻē aʻe ma muli o nā koi inā hewa kekahi mea ma ka kahua hana.

E like me kekahi o nā brokers kaulana loa ma ka mākeke US, e loaʻa iā lākou kahi hopena i kēlā me kēia pono kūʻokoʻa, e like me ka Builder's Risk Insurance, General Liability Insurance, Workers' Compensation, Commercial Auto, Umbrella, a me nā mea ʻē aʻe, no kēlā me kēia ʻano o ka mea hana aelike. mea nona ka oihana.

malalo o Aponoia ka mea kuai, ʻO kekahi o nā papa kuhikuhi loiloi pūnaewele ma ka honua, he kūlana maikaʻi loa ko lākou i waena o nā mea kūʻai aku, ma muli o hoʻokahi kaukani loiloi ʻoi aku ka liʻiliʻi o ka 1% i loaʻa ka ʻike maikaʻi ʻole a maikaʻi ʻole paha. ʻO ia ka mea e hoʻolilo ai i ka Contractors Liability i ʻoihana e hilinaʻi ʻia e kekahi ʻoihana liʻiliʻi a nui paha. Aia lākou ma ka ʻoihana ma mua o 25 mau makahiki me ka helu "A +" me BBB, kahi keʻena hoʻonaʻauao e hāʻawi ana i ka lehulehu i ka ʻike e pili ana i nā ʻoihana me nā hana maikaʻi loa a me nā kūlana kiʻekiʻe.

Ma waena o nā lawelawe i hāʻawi ʻia e Contractors Liability, loaʻa iā lākou:

ʻInikua Kālā ʻAilana

Palekana i ka mea hana ʻaelike a i ʻole ka mea nona ka ʻoihana inā e hoʻopiʻi ʻia ʻo ia no kekahi hana mālama ʻole a i ʻole hewa ʻoiai e hana ana i nā hana e pili ana i ka hoʻomohala ʻana i nā hana ʻoihana.

Inikua Kaa Kalepa

ʻO ka 'inikua kaʻa kālepa he kulekele e hāʻawi ana i ka uhi no ka pōʻino kino a me ke kuleana i hana ʻia e kahi kaʻa ʻoihana ʻoiai ʻo ia ma ka ʻaoʻao o ka hui a hui paha.

Inikua Umbrella

ʻO ka "Umbrella" a i ʻole ka papa o ka pale e uhi i nā kūlana kahi i hiki ai nā palena o ke kuleana kumu a me nā ʻano koi ʻē aʻe e like me ka libel/slander e ala mai ana mai nā hanana ma waho o ka mana o kekahi.

Ka uku hana o nā limahana

Inisua Uku Paahana e hōʻoia i nā limahana i hōʻeha ʻia ma ka hana i hoʻopaʻa i nā makana kālā. Hiki ke kōkua i ka mālama ʻana i nā pilikia kālā i ka poʻe hana, ʻoiai ka nui o nā mokuʻāina e kaupalena i ka nui o ka mea hana i hōʻeha ʻia e hiki ke hoʻōla mai ka mea hana.

Palapala Palapala a me ka laikini

E hōʻoiaʻiʻo i ka poʻe i hāʻawi ʻia i ka laikini a i ʻole ka ʻae ʻana e hana i kahi ʻoihana a i ʻole hoʻohana i kahi kuleana e hoʻokō i nā kuleana o kēlā laikini a ʻae paha.

Inisua Moana uka

Hoʻopili kēia ʻano kulekele i nā hōʻike pilikia e pili ana i nā waiwai a me nā mea kūʻai e neʻe nei a i mālama ʻia paha e kahi ʻaoʻao ʻekolu. ʻO nā waiwai waiwai, nā mea hana a me nā mea hana he ʻāpana o nā hana a me nā hana maʻamau i kēlā me kēia lā no kēlā me kēia ʻaelike a ʻo ia ke kumu e hoʻokipa maikaʻi ʻia ai ka palekana i ka wā o ka pōʻino, ʻaihue a i ʻole kekahi ulia ma ka hana ʻana i kekahi hana. E uhi ia i nā mea a pau i ʻōlelo ʻia ma kēia kūlana. 

ʻO ka waiwai (waiwai) i uhi ʻia e kēia ʻinikua ma ke ʻano maʻamau:

  1. I ka hele ʻana
  2. Ma ka waiho
  3. Ma kahi paʻa
  4. He ʻano mea kūʻai neʻe i loaʻa mau ma nā wahi like ʻole

Pehea e hoʻokohu pono ai

Manaʻo ʻia ka hana kūkulu ʻana ma ke ʻano he hiʻohiʻona kiʻekiʻe, ma muli o nā pōʻino a i ʻole nā ​​​​pohō i hana ʻia i ka wā o ka hoʻomohala ʻana a i ʻole ka hoʻokō ʻana i nā hana kūkulu hale, nā hemahema i ke kaʻina hana i hōʻike ʻia i kona ola pono ʻana, a i ʻole ka mālama ʻole ʻana o ia mea.

ʻO ka ʻimi pololei ʻana i kahi kulekele mai ka mea ʻinikua a i ʻole ma kahi pūnaewele maʻalahi, e hoʻopau i ka loaʻa ʻana o kahi hāʻawi mai kahi mea kūʻai aku (nui loa, me ka ʻole o ka ʻike, me ka manaʻo hoʻokahi e kūʻai aku, ʻaʻole kōkua) a inā he hanana, ʻaʻole e hele hou i laila e kōkua a me ka mea hoʻolako, pono e kū i ka ʻaha hoʻokahi wale nō me ka ʻole o ka ʻōlelo aʻo kūpono.

Pono nā mea kūʻai aku kūpono e koho i kahi mea hoʻolimalima inikua i kū i ka mākeke no nā makahiki he nui e like me ContractorsLiability.com, mahalo i ka ʻike i loaʻa i ke aʻo ʻana a me ke kōkua ʻana i nā haneli o nā mea kūʻai aku i nā hanana i loaʻa iā lākou, hiki iā lākou ke hoʻonohonoho mua i ka nānā ʻana i nā kikoʻī a mākaukau e lawe i nā koi 24/7.

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Avatar o Linda Hohnholz

Linda Hohnholz

Lunahooponopono no eTurboNews ma ka eTN HQ.

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