Kumabhizinisi amancane naphakathi nendawo (ama-SME) e-UK, umshwalense uyingxenye ebalulekile yokulawulwa kobungozi. Izinqubomgomo zomshwalense zivikela ezintweni ezimbalwa ezingasongela ukusebenza kwebhizinisi. Lapha sibheka ukuthi yiziphi izinqubomgomo zomshwalense eziyimpoqo noma ezilulekwa yinkampani yakho.
Uma uphatha inkampani ye-B2B, unesibopho sakho, abasebenzi bakho kanye nozakwethu bebhizinisi. Lokhu kusho ukuthi kufanele ucabangele izindaba zesikweletu ezingaba nemiphumela ebucayi enkampanini yakho, noma uyikhiphe ebhizinisini. Ukuze uvikele ingozi, ungathatha imishwalense ehlukahlukene.
Yiziphi izinqubomgomo zomshuwalense webhizinisi ezidingekayo ngokusemthethweni?
Umshwalense wesikweletu somqashi
The Isibopho Somqashi (Isibopho Somshwalense) 1969 ithi uma uqasha noma ngubani, kungakhathaliseki ukuthi usebenza isikhathi esigcwele, itoho, itoho noma itoho, kufanele uthathe umshwalense wesikweletu somqashi, ohlanganisa izicelo zesinxephezelo ozenziwa ngabasebenzi bakho. Iwukuphela kohlobo lomshwalense oluyisibopho kumabhizinisi ase-UK. Uma ungumhwebi uwedwa, awudingi umshwalense wesikweletu somqashi.
Kufanele uthole umshwalense we-Employers' Liability (EL) ngokushesha nje lapho uba umqashi. Umshwalense wakho kufanele ukhokhe okungenani u-£5 wezigidi futhi kufanele uvele kumshwalense ogunyaziwe. Ungahlawuliswa u-£2,500 nsuku zonke lapho ungenawo umshwalense ofanele.
Kufanele futhi ubonise Isitifiketi Sesikweletu Somqashi (lokhu kungaba ikhophi yedijithali, inqobo nje uma ifinyelelwa yibo bonke abasebenzi bakho). Uma wehluleka ukuveza isitifiketi sakho se-EL noma ukusikhiqiza lapho ucelwa abahloli, ungahlawuliswa u-£1,000.
Umshwalense wezimoto
Uma ibhizinisi lakho lisebenzisa izimoto, uphoqelekile ngokomthetho ukuba nomshwalense wezimoto zentengiso. Kwezinye izimo lapho izimoto ziyingxenye eyinhloko yebhizinisi lakho, isibonelo uma unenkampani yamatekisi noma isevisi yezithunywa, ungase udinge umshwalense okhethekile.
Umshwalense wezimoto wenkampani yangaphandle ubuncane obudingekayo ngokomthetho. Lokhu kukhava wena uma unecala ngengozi futhi umuntu wesithathu enza isimangalo ngokumelene nawe. Nokho, kuwukuhlakanipha ukuba nomshwalense wezimoto ophelele. Lokhu akubandakanyi kuphela isikweletu sakho kubantu besithathu, kodwa futhi nokweba noma ukulimala kwemoto yakho, ukulimala komlilo, izindleko zezokwelapha kanye nezindleko zokushintsha okuqukethwe yimoto. Ukweba kuyingozi ethile emabhizinisini amancane amaningi, njengoba amaveni aqukethe amathuluzi noma izinto zokusebenza cishe zizohloswa.
Yiziphi izinqubomgomo zomshuwalense webhizinisi ezinconyelwe ama-SME?
Umshuwalense wemfanelo womphakathi
Lokhu kuhlanganisa izimangalo zesinxephezelo ezenziwe ngokumelene nawe ngabanye abantu. Uma ibhizinisi lakho lisebenzisana nomphakathi, kufanele ube nomshwalense wesikweletu somphakathi. Inikeza ukuvikelwa kwezezimali uma kwenzeka isimangalo sokulimala noma sokulimala kwempahla esenziwe iklayenti, ikhasimende noma ilungu lomphakathi.
Umshwalense wezikweletu zomphakathi ubaluleke kakhulu uma amakhasimende evakashela izakhiwo zebhizinisi lakho, uma usebenza kumasayithi amaklayenti noma ezindlini zabantu noma ezingadini, noma uma usebenza ezindaweni zomphakathi futhi ungabangela ukulimala noma ukulimala kumalungu omphakathi. Kungasiza ukumboza izindleko zezindleko zezomthetho ezitholiwe noma izinkokhelo eziwumphumela wesimangalo uma utholwa unecala.
Nakuba umshwalense wesikweletu somphakathi ungeyona imfuneko engokomthetho, amakhasimende amaningi azogcizelela kuwo. Ezinye izinhlangano zezohwebo ngeke zikuvumele ukuthi ubhalise kuzo ngaphandle uma unomshwalense wesikweletu somphakathi. Izinkontileka zikahulumeni wendawo nazo ngokuvamile zizodinga ubufakazi bomshwalense wesikweletu somphakathi.
Umshwalense wezakhiwo
Umshwalense wesakhiwo uhlanganisa umonakalo ngephutha noma ukwebiwa kwempahla yakho. Futhi, akuyona imfuneko engokomthetho, kodwa uma kukhona onayo inzalo engenamshwalense endaweni okungeyakho noma oyisebenzisayo, zingadinga ukuthi ube nomshwalense wendawo. Izibonelo zabantu abanenzalo engakhokhelwa yilabo abakuboleke imali yokuthenga indawo, noma abakuqashisele noma bakuqashele izinto zokusebenza.
Umshwalense okhethekile
Ngokuya ngemboni yakho, ungase futhi udinge umshuwalense ongeziwe, okhethekile. Izinhlobo ezivame kakhulu zomshwalense wama-SME yilezi:
- umshwalense wezinto eziphathwayo: uma wena noma abasebenzi bakho nihlala nisebenzisa okokusebenza ngaphandle kwezakhiwo zebhizinisi lakho (njengamakhompyutha aphathekayo, omakhalekhukhwini, amaphilisi noma amathuluzi imbala) ungakhetha ukukufaka umshwalense ngokuhlukana kwakho ukuze kukukhave uma ulahlekelwa noma ukwebiwa.
- umshwalense we-inthanethi (ngezinye izikhathi obizwa ngokuthi umshwalense we-cyber liability) ukumboza ukulahlekelwa kwezimali kuwe noma ibhizinisi lakho okuvela ezenzakalweni ezifana nokufinyelela okungagunyaziwe, ukuhlasela kwe-cyberattack noma ukwephulwa kwemfihlo.
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