ᓇᓪᓕᐅᒃᑯᒫᑦ

ᓴᐳᒻᒥᔭᐅᓪᓚᕆᖕᓂᐊᕐᒪᑕ ᓇᐅᒃᑯᓗᒃᑖᖅ ᐅᓯᔭᐅᑎᑕᑎᑦ, ᑲᓇᐃᑎᐊᓐ ᓄᐊᑦ ᓂᐅᐅᕕᐊᒃᓴᖃᖅᐸᒃᑐᑦ "all risk" ᓇᓪᓕᐅᒃᑯᒫᓂᒃ ᐊᓯᑦᑕ ᐊᑭᖏᓐᓂᒃ ᐊᔾᔨᐸᓗᖏᓐᓂᒃ.

ᐊᑭᖃᓪᓗᐊᖅᑎᑕᐅᓂᖅ ᐊᒻᒪ ᐊᑭᓕᐅᑎᒋᔭᒃᓴᑦ

ᐊᑭᖃᓪᓗᐊᖅᑎᑕᐅᓂᕐᒧᑦ ᐊᑭ

ᐊᑭᑐᔪᓕᒫᑦ ᓇᓗᓇᐃᔭᐃᖅᑕᐅᖃᑦᑕᖅᑐᑦ ᐋᖅᑭᒃᑕᐅᓯᒪᕙᒌᖅᑐᒥᒃ ᑲᒪᒋᔭᐅᓂᕐᒧᑦ ᐊᑭᖃᖅᑎᑕᐅᓗᑎᒃ ᐊᒻᒪ ᐊᑭᖃᓪᓗᐊᖅᑎᑕᐅᓂᕐᒧᑦ ᐊᑭᖓ ᓈᓴᐅᓯᕆᔾᔪᑕᐅᕙᒃᑐᖅ ᐳᓴᓐᑎᑎᒍᑦ ᐊᑭᖃᕐᓂᕋᖅᑕᐅᔪᒥᑦ ᖃᖓᑕᓲᒃᑯᑦ ᐅᓯᔭᐅᓂᐊᖅᑐᒧᑦ.

ᐊᑭᓕᐅᑎᒋᔭᒃᓴᑦ

ᑲᓇᐃᑎᐊᓐ ᓄᐊᑦᑯᑦ ᐅᓯᓂᕐᒧᑦ ᐊᑭᓕᐅᑎᒋᔭᒃᓴᖏᑦ ᑭᒡᓕᖃᖅᑎᑕᐅᔪᖅ ᑖᒃᓰᔭᐃᔭᖅᑕᐅᔪᓄᑦ ᐊᒻᒪ ᓄᓇᕐᔪᐊᕐᒥ ᐊᖏᖃᑎᒌᒍᑎᓄᑦ. ᑖᒃᑯᐊ ᐊᑭᓕᐅᑎᒋᔭᒃᓴᑦ ᑭᒡᓕᖃᒃᑲᓐᓂᕈᓐᓇᖅᑐᑦ ᖃᔅᓯᐅᓂᕋᖅᑕᐅᓂᖓ ᑭᓲᓂᕋᖅᑕᐅᓂᖓᓘᓐᓃᑦ ᓱᓕᙱᔾᔪᑕᐅᒃᐸᑦ ᓴᒡᓗᔾᔪᑕᐅᒃᐸᓪᓘᓐᓃᑦ ᐊᐅᓪᓚᖅᑎᑦᑎᔪᒧᑦ.

ᓇᓪᓕᐅᒃᑯᒫᑦ

ᑕᒪᐃᑎᒎᖓᔪᑦ

ᑲᓇᐃᑎᐊᓐ ᓄᐊᑦᑯᑦ ᐅᓯᐅᔪᓕᕆᔨᖏᑦ, ᐊᑯᓪᓕᕆᔭᐅᓗᓂ, ᓇᓪᓕᐅᒃᑯᒫᖅᑖᕈᓐᓇᖅᑐᑎᑦ ᐊᑭᑐᔫᑎᓄᑦ ᐊᓯᔭᐅᑎᑕᕐᓄᑦ. ᑐᒃᓯᕋᕆᐊᖃᑐᐃᓐᓇᖅᑐᑎᑦ ᐅᓯᔭᐅᔪᓕᕆᔩᓪᓘᓐᓃᑦ ᑐᒃᓯᕋᕆᐊᖃᑐᐃᓐᓇᖅᑐᖅ ᐅᓯᔭᐅᔪᒧᑦ ᓇᓪᓕᐅᒃᑯᒪᓂᒃ ᐊᓯᔭᐅᓂᕐᒧᑦ ᓇᓗᓇᐃᒃᑯᑕᖅ ᑐᓂᔭᐅᒃᐸᑦ.

ᑮᓇᐅᔭᑦ

ᐊᐅᓪᓚᖅᑎᑦᑎᔪᖅ ᐅᖃᕆᐊᖃᖅᑐᖅ ᑮᓇᐅᔭᑦ ᓄᓇᕐᔪᐊᕐᒥ ᐊᕕᒃᑐᖅᓯᒪᔪᓂᑦ ᓇᑭᙶᕐᓂᖏᓐᓂᒃ ᐅᑕᖅᑕᐅᖁᔭᐅᔪᒧᑦ ᓇᓪᓕᐅᒃᑯᒫᓄᑦ. ᓇᓪᓕᐅᒃᑯᒫᖅᑎᒍᑦ ᐊᑭᓕᖅᑕᐅᔪᒃᓴᑦ (ᐳᓴᓐᑎᑎᒍᑦ ᑎᑎᕋᖅᓯᒪᓗᑎᒃ) ᓇᓗᓇᐃᖅᑕᐅᓇᔭᖅᑐᑦ ᑐᒃᓯᕋᖅᑕᐅᔪᒧᑦ ᓇᓪᓕᐅᒃᑯᒫᒧᑦ. ᐊᑭᓕᖅᑕᐅᔪᑦ ᐊᒻᒪ ᑭᓱᐃᕈᑕᐅᓃᑦ ᐊᑭᓕᖅᑕᐅᖃᑦᑕᖅᑐᑦ ᓇᓪᓕᐅᒃᑯᒫᓄᑦ ᑮᓇᐅᔭᖅᑎᒍᑦ, ᐅᕝᕙᓘᓐᓃᑦ ᓄᓇᓕᖕᒥ ᑮᓇᐅᔭᓂᒃ ᓇᓕᒧᒋᔭᐅᕙᒃᑐᑎᒍᑦ ᐊᑭᓕᖅᑕᐅᑎᓪᓗᒍ.

ᖃᖓᒃᑯᑦ ᐊᑐᕐᓂᖏᑦ

ᓇᓪᓕᐅᒃᑯᒫᑦ ᐊᑐᕐᓂᖃᖅᑐᖅ ᐱᒋᐊᖅᖢᓂ ᐅᓯᔭᐅᓂᐊᖅᑐᓄᑦ ᐊᑭᓖᔪᖃᑐᐊᖅᐸᑦ ᐱᔭᐅᒍᑎᒡᓗ ᑲᓇᐃᑎᐊᓐ ᓄᐊᑦᑯᑦ ᐅᓯᔭᐅᔪᓕᕆᔨᖏᓐᓄᑦ. ᓇᓪᓕᐅᒃᑯᒫᑦ ᐃᓱᓕᕝᕕᖃᖅᑐᑦ ᐅᓯᔭᐅᑎᑕᑎᑦ ᐱᔭᐅᒃᐸᑕ ᑎᑭᐅᔾᔭᐅᒧᑦ, ᐅᕝᕙᓘᓐᓃᑦ ᐅᓪᓗᑦ 30 ᐅᖓᑖᓂᑦ ᐅᓯᔭᐅᔪᑦ ᑎᑭᓐᓂᖏᓐᓂᑦ ᒥᑦᑕᕐᕕᖕᒧᑦ, ᓇᓕᐊᑐᐃᓐᓇᖅ ᓯᕗᓪᓕᐅᔪᖅ.

ᐊᑭᓕᐅᑎᒋᔭᒃᓴᑦ ᑭᒡᓕᖏᑦ

ᐅᓯᔭᐅᑎᑕᖅᐱᑦ ᐃᓚᖓ ᐊᓯᐅᔨᔭᐅᓐᓂᖅᐸᑦ ᓇᓪᓕᐅᒃᑯᒫᖅᑖᕈᑎᒋᓚᐅᖅᑕᐃᑦ, ᓇᓪᓕᐅᒃᑯᒫᖅᑖᕈᑕᐅᓇᔭᖅᑐᖅ ᐳᓴᓐᑎᑎᒍᑦ ᖃᔅᓯᐅᓂᖓᓂᑦ ᑲᑎᖦᖢᒋᑦ ᖃᔅᓯᐅᓂᖓᓂᑦ ᐅᓯᔭᐅᔪᓂᑦ, ᐊᓯᐊᓂᒃ ᐅᖃᖅᓯᒪᔪᖃᙱᑉᐸᑦ. ᐆᒃᑑᑎᒋᓪᓗᒍ: ᐊᓯᐅᔨᔭᐅᔪᑦ 25%ᖑᒃᐸᑦ ᑲᑎᖦᖢᒋᑦ ᐅᓯᔭᐅᑎᑦᑕᖅᐱᑦ ᐊᑭᖓᓂᒃ, 25%ᓂᒃ ᐱᓇᔭᖅᑐᑎᑦ ᓇᓪᓕᐅᒃᑯᒫᖅᑖᕈᓐᓇᕐᓂᕆᔭᓗᒃᑖᕐᓂᑦ.

ᐊᑭᓕᐅᑎᒋᔭᒃᓴᓂᑦ ᐃᓚᐅᙱᑦᑐᑦ

ᓇᓪᓕᐅᒃᑯᒫᖅᑖᕋᓱᐊᕐᓃᑦ ᐅᑯᓇᙵᑦ ᐊᖏᖅᑕᐅᔾᔮᙱᑦᑐᑦ ᓇᓪᓕᐅᒃᑯᒫᖅᑖᕐᕕᐅᕙᒃᑐᒥᑦ:

  • ᑎᒍᔭᐅᓂᖓ ᒐᕙᒪᒧᑦ ᐊᓯᐊᓄᓪᓘᓐᓃᑦ ᐱᔪᓐᓇᕐᓂᖃᖅᑐᓄᑦ.
  • ᐅᓯᔭᐅᓂᖓᑕ ᑭᖑᕙᕐᓂᖓᓄᑦ ᐊᑭᖃᙱᓐᓂᖅᓴᐅᓕᕐᓂᖓᓄᑦ ᓂᐅᕕᕐᕕᖕᒥ.
  • ᐱᔾᔪᑕᐅᔪᑦ ᐅᓇᑕᕐᔪᐊᕐᓂᕐᒧᑦ, ᖃᓄᐃᕐᔪᐊᖅᑳᑎᒋᔪᓄᑦ, ᐃᖅᑲᓇᐃᔭᖅᑏᑦ ᓄᑲᖓᔪᐃᓐᓇᐅᓂᖏᓐᓄᑦ ᐅᕝᕙᓘᓐᓃᑦ ᑭᒃᑯᑐᐃᓐᓇᐃᑦ ᖃᓄᐃᕈᓘᔭᕐᓂᖏᓐᓄᑦ.
  • ᓱᕈᖅᑐᑦ ᓂᒡᓚᓱᓗᐊᒧᑦ ᐊᒻᒪᓗ/ᐅᕝᕙᓘᓐᓃᑦ ᓯᓚᓯᐅᑎᐅᑉ ᐃᖏᕐᕋᔾᔪᑖᓄᑦ, ᐊᓯᐊᓂᒃ ᑎᑎᕋᖅᓯᒪᔪᖃᙱᑉᐸᑦ.
  • ᖃᔅᓯᑐᕐᓂᖓ ᓇᓪᓕᐅᒃᑯᒫᑦ ᐱᔾᔪᑎᒋᓪᓗᒋᑦ

ᐅᓯᔭᐅᑎᑦᑎᔪᖅ ᓂᐅᕕᕈᓐᓇᖅᑐᖅ ᓇᓪᓕᐅᒃᑯᒫᓂᒃ ᒪᓕᒡᓗᒍ ᓇᓗᓇᐃᒃᑯᑕᕐᒥ ᐊᑭᓕᖅᑕᐅᒪᐅᕐᓂᖓᓄᑦ ᖃᔅᓯᑐᕐᓂᕋᖅᑕᐅᓂᖏᑦ ᐱᖁᑎᑦ ᐊᒻᒪ 50% ᖄᒃᑲᓐᓂᐊᒍᑦ. ᐅᓯᔭᐅᔪᒃᓴᑦ ᐱᔭᐅᓛᖅᑐᑦ ᐅᓯᑎᑦᑎᔫᑉ ᖃᔅᓯᑐᕐᓂᕋᐃᔭᖓ ᓇᓪᓕᐅᒃᑯᒫᓄᑦ ᑐᑭᓯᐊᔭᐅᓗᓂ, ᐊᓯᐅᔨᔭᐅᓐᓂᖅᐸᖅ ᐅᕝᕙᓘᓐᓃᑦ ᓱᕋᖕᓂᖅᐸᑦ, ᓇᓪᓕᐅᒃᑯᒫᖅᑖᖅᑎᑦᑎᔪᖅ ᐊᑭᓖᔭᕆᐊᖃᔾᔮᙱᑦᑐᖅ ᐋᖅᑭᒃᑕᐅᓯᒪᔫᑉ ᐊᑭᓪᓚᑦᑖᖓᑕ ᑮᓇᐅᔭᖅᑎᒍᑦ ᐅᖓᑖᓂ ᐊᓯᐅᔨᔭᐅᑎᓪᓗᒍ, ᓴᖅᑭᔮᕈᓐᓇᖅᑎᑕᐅᓗᓂ ᐊᑭᓖᓚᐅᕐᓂᕐᒧᑦ ᓇᓗᓇᐃᒃᑯᑕᖅᑎᒍᑦ.

ᓇᓪᓗᐅᒃᑯᒫᓄᑦ ᑭᒡᓕᒋᔭᑦ

ᓇᓪᓕᐅᒃᑯᒫᖅᑖᕈᓐᓇᔾᔮᙱᑦᑐᖅ $200,000 ᐅᖓᑖᓄᑦ ᐊᑕᐅᓯᕐᒧᑦ (1) ᐅᓯᔭᐅᔪᒧᑦ, ᑲᑎᖦᖢᒋᓪᓗ $600,000 ᐅᖓᑖᓄᑦ ᐊᑕᐅᓯᕐᒧᑦ (1) ᖃᖓᑕᓲᕐᒧᑦ. ᓇᓪᓕᐅᒃᑯᒫᑦ ᒎᓗᒧᑦ, ᓴᕕᕋᔭᒃᓴᑦ ᐸᓛᑕᓇᒻᒧᑦ ᖃᑯᓪᓕᕐᒧᓪᓗ ᑭᑉᐹᕆᒃᑐᓄᑦ ᑭᒡᓕᖃᖅᑎᑕᐅᓂᐊᖅᑐᑦ $350,000ᓂᒃ ᐊᑕᐅᓯᕐᒧᑦ (1) ᐅᓯᔭᐅᔪᒧᑦ ᐅᕝᕙᓘᓐᓃᑦ (1) ᖃᖓᑕᓲᕐᒧᑦ. (ᑲᓇᑕᐅᑉ ᑮᓇᐅᔭᖓᒍᑦ).

ᓇᓪᓕᐅᒃᑯᒫᑦ ᐊᑐᐃᓐᓇᐅᙱᑦᑐᑦ ᐅᑯᓄᖓ:

ᖃᖓᑕᔪᓕᕆᔨᓂᑦ ᐊᓯᐊᓄᑦ ᖃᖓᑕᔪᓗᕆᔨᓄᑦ (ᓅᓐᓂᖅ) ᓅᑕᐅᓂᖏᑦ ᓴᓇᙳᐊᒐᑦ ᐅᕝᕙᓘᓐᓃᑦ ᐊᒦᑦ (ᐊᓐᓄᕌᖅᓯᒪᔪᑦ ᐅᕝᕙᓘᓐᓃᑦ ᐊᓐᓄᕌᖅᓯᒪᙱᑦᑐᑦ) ᐃᓚᐅᓪᓗᑎᒃ ᐊᒥᕐᓂᑦ ᐊᓐᓄᕌᑦ ᑭᓯᐊᓂ ᐃᓚᐅᙱᖦᖢᑎᒃ ᓇᖕᒥᓂᖅ ᐱᖁᑎᒋᔭᑦ.

  • ᐊᒦᑦ ᓅ ᔪᐊᒃ ᓯᑎᒥᙶᖅᑐᑦ, ᓅ ᔪᐊᒃ ᓯᑎᓕᐊᖅᑐᑦ ᐅᕝᕙᓘᓐᓂᑦ ᓅ ᔪᐊᒃ ᓯᑎᒃᑰᖅᑐᑦ.
  • ᓱᕋᒃᑐᑦ ᓇᓪᓕᐅᒃᑯᒫᖅᑖᕈᑕᐅᔪᑦ ᐋᖅᑭᑦᑎᐊᖅᓯᙱᑉᐸᒌᖅᖢᑎᒃ ᐅᕝᕙᓘᓐᓃᑦ ᖃᓄᐃᓕᖓᕙᒌᕐᓂᖓᓄᑦ.
  • ᐊᓕᒍᑦ ᐅᕙᓘᓐᓃᑦ ᐱᖁᑎᑦ ᓱᕈᒃᑐᑦ ᐊᓕᒎᑉ ᓱᕋᖕᓂᖓᓄᑦ.
  • ᖃᐅᔨᒋᐊᒃᑲᓐᓂᕈᒪᒍᕕᑦ ᓄᓇᓕᖕᓂ ᑲᓇᐃᑎᐊᓐ ᓄᐊᑦᑯᑦ ᐅᓯᔭᐅᔪᓕᕆᔨᖏᑦ ᖃᐅᔨᒋᐊᒃᑲᓐᓂᕈᒪᒍᕕᑦ.