Uninzi lweekontraka zifumanisa kuphela izikhewu ze-inshorensi xa ibango laliwe, isatifikethi sentlawulo silibazisekile, okanye ikomiti yethenda icela ubungqina abanako ukubuvelisa ngexesha. Ngokwesiqhelo, contractor insurance south africa incinci malunga nokuthenga ipolisi kwaye ngaphezulu malunga nokungqina ukuba i-inshorensi yakho ihambelana nekhontrakthi yakho, iprofayile yomngcipheko weprojekthi, kunye nemisebenzi esemthethweni.

Kwiiprojekthi zaseMzantsi Afrika, ukuthotyelwa kwe-inshorensi kukwikhonkco lomngcipheko elifanayo nokuhlelwa kwe-CIDB, ​​ukubhaliswa kwe-NHBRC, ulawulo lwekhontrakthi, kunye nokhuseleko lwesiza. Ukuba uxwebhu olunye luphelelwe lixesha okanye umyinge omnye uphantsi kakhulu kwixabiso lekhontrakthi, impembelelo yorhwebo inokubakho ngoko nangoko: ukungavunyelwa kwiithenda, ukunqunyanyiswa kwemisebenzi yesiza, okanye ilahleko engenakuhlawuleka emva kwesehlo. Esi sikhokelo sichaza indlela yolawulo lwe-inshorensi egcina abakhi ubungqina-bulungile, bethobela isivumelwano kunye nophicotho-zincwadi.

Contractor Insurance South Africa IsiKhokelo sokuThobela

Kutheni ukungathotyelwa kwe-inshurensi kuba ngumngcipheko weprojekthi

Ukungaphumeleli kwe-inshorensi akufane kubangelwe yimpazamo enkulu. Ngokuqhelekileyo zivela kwizikhewu ezincinci zolawulo eziqokelelana kulo lonke inqanaba lebhidi, ibhaso lekhontrakthi, kunye nokuhanjiswa.

Amanqaku okusilela aqhelekileyo aquka:

• ukungeniswa kweethenda ezineencwadi eziphelelwe lixesha lokuma okuhle okanye iishedyuli ezingekhoyo
• imigaqo-nkqubo esebenzayo, kodwa engahambelani namagatya e-inshorensi engqalileyo
• ookontraka abancinci abaqala kwisiza ngaphandle kwemida eqinisekisiweyo yetyala loluntu
• Izixa-mali ezigqithileyo ezingabelwanga kuhlahlo lwabiwo-mali lweprojekthi
• akukho rekhodi icacileyo yokuba ngubani ovunyiweyo utshintsho kumgaqo-nkqubo emva kokwahluka kwemida

Kulwakhiwo lwentengiso oluxabisa i-R35 yezigidi eGauteng, umzekelo, unokontraka unokubamba i-inshorensi yetyala lonyaka kodwa aphinde aphule izibophelelo zekhontrakthi ukuba i-arhente eyintloko ifuna zonke iingozi zekontraka ezingqale (CAR) kwaye azivunyelwa phambi kokuhlanganiswa. Ukuba isaqhwithi sonakalise ngokuyinxenye imisebenzi egqityiweyo, i-inshurensi inokuphikisana nobubanzi, kwaye ikontraka inokugqiba ukuthwala zombini iindleko zokubuyiselwa kunye nokulibaziseka komonakalo.

Ukungathotyelwa kwe-inshurensi nako kuchaphazela ukhuphiswano lwethenda. Abaxumi bakarhulumente nababucala baya kuphonononga ukulungela, hayi ixabiso kuphela. Ikhontrakthi eneshedyuli ecacileyo ye-inshorensi, izishwankathelo zembali, kunye nobungqina bokuthotyelwa kwangoku buhlala bufumana amanqaku angcono kumngcipheko kunye namacandelo olawulo kunomniki-maxabiso ophantsi onamaxwebhu abuthathaka.

Ukufumana ithenda ehambelanayo kunye nomxholo wohlelo, jonga ukucazululwa kwemida yexabiso leprojekthi kwi-CIDB amabanga kunye nemida yekontraka sikhokelo kunye nesakhelo sokuthobela ngokubanzi kuluhlu lweCIDB luchaziwe.

Contractor insurance south africa: umxholo wezomthetho kunye nesivumelwano

Izibophelelo ze-inshorensi kulwakhiwo lwaseMzantsi Afrika zibunjwa ngumthetho kunye nekhontrakthi. Kufuneka wanelise imisebenzi esemthethweni kuqala, emva koko umaleko iimfuno ezithe ngqo zeprojekthi ukusuka kwi-JBCC, NEC, GCC, iimeko zabaxumi, kunye neminqophiso yombolekisi.

Imithombo ephambili yokuthobela umkhondo:

Umthombo	Kuthetha ukuthini ukuthotyelwa kwe-inshurensi	Ubungqina bokuhlala bulungile
UMthetho weMpilo noKhuseleko eMsebenzini (Act 85 of 1993) kunye neMimiselo yoLwakhiwo, 2014	Uxanduva lokubonelela kunye nokugcina indawo yokusebenza ekhuselekileyo nengenabungozi empilweni, exhaswa lulawulo olufanelekileyo lomngcipheko	Uvavanyo lomngcipheko, iingxelo zeendlela, iirejista zeziganeko, amakhonkco phakathi kolawulo lomngcipheko kunye neemeko zomgaqo-nkqubo
UMthetho weMbuyekezo ngokwenzakala kunye neZigulo eMsebenzini (COIDA)	Abaqeshi kufuneka babhaliswe kwaye babe nokuma okuhle kwiimbophelelo zembuyekezo yokulimala kwabasebenzi	Ileta yokuma okuhle, izibhengezo zemivuzo, iirekhodi zentlawulo yovavanyo
Isakhelo seCIDB (tender and capability context)	Abaxhamli beenkonzo bavavanya ukuba ulawulo nolawulo lomngcipheko luyahambelana na nesikali seprojekthi namabhongo ebakala	Ishedyuli ye-inshorensi ehambelana nexabiso leprojekthi, uluhlu lokuhlola ulawulo, ibhodi okanye iirekhodi zokusayinela ulawulo
Iimfuno zeNHBRC (housing projects)	Abakhi bezindlu badinga ulawulo lokuthotyelwa olulungelelanisiweyo kuwo wonke ubhaliso, amanqanaba okuhlolwa, kunye nomngcipheko wesiphene	Ubungqina bokubhalisa, iirekhodi zokuhlola, inkqubo yokuphendula ngesiphene, imbuyekezo yobungcali apho kuyimfuneko
Izibonelelo zekhontrakthi ye-JBCC/NEC/GCC	Ikhontrakthi inokumisela iindidi zepolisi ezithile, imida, amaqela afakwe kwi-inshorensi amagama, kunye namaxesha okhuseleko	Imatrix ye-inshurensi yekhontrakthi, i-endorsements, iziqinisekiso zomthengisi, idayari yokuhlaziya

Ngokwezinto eziphathekayo, ukuthotyelwa kwekhontrakthi ngokuqhelekileyo kudlula “ingaba unayo i-inshurensi?” kwaye uyabuza:

• Ngaba iqela elifanelekileyo liqinisekisiwe ngomsebenzi ofanelekileyo?
• Ngaba umda wembuyekezo uphezulu ngokwaneleyo kule projekthi kunye nalo mqeshi?
• Ngaba amagama avunywe yi-inshurensi ahambelana namagatya ekhontrakthi?
• Ngaba ixesha le-inshorensi libandakanya izibophelelo zetyala leziphene apho kuyimfuneko?
• Ngaba ungavelisa ubungqina kwiiyure ezingama-24 xa ubuzwa?

Yiyo loo nto i-inshorensi kufuneka ilawulwe njengokuqukunjelwa kokuthotyelwa komsebenzi, hayi njengento ethengwa kanye ngonyaka.

Ukuthotyelwa kwe-inshorensi ebonakalayo yeekontraka

Sebenzisa inkqubo ebekwe ngokwamanqanaba eqala phambi kokungeniswa kwethenda kwaye iqhubekeke kufutshane. Oku kunciphisa izinto ezothusayo kwaye kugcina amaqela eprojekthi ehambelana nezibophelelo zorhwebo kunye nezomthetho.

1) Yakha ikhontrakthi-kumgaqo-nkqubo imatrix kwinqanaba lethenda

Ngaphambi kokungeniswa, khupha yonke igatya le-inshurensi kwisivumelwano esisayilwayo, umda kunye neemfuno zomqeshi. Imephu yegatya ngalinye ukuya:

• uhlobo lomgaqo-nkqubo olufunekayo
• imbuyekezo efunekayo/i-inshorensi umda
• iqela elinoxanduva (employer, principal contractor, subcontractor)
• uxwebhu lobungqina obufunekayo ukuze kuvungwe
• umhla wokuhlaziya phambi kokuhlanganiswa

Le matrix iba ngumthombo omnye webhidi, umthetho, urhwebo, kunye namaqela esayithi.

2) Qinisekisa amaxwebhu asemthethweni kuqala

Iithenda ezininzi ziyasilela kubungqina bokuthotyelwa kwesiseko. Qinisekisa ukuba zonke iirekhodi ezinxulumene ne-inshurensi ezisemthethweni zezangoku:

• Ileta ye-COIDA yokuma okuhle
• izibhengezo zentswela-ngqesho kunye nemivuzo apho kuyimfuneko
• iinkqubo zokwenzakala emsebenzini ezibonakaliswe kumaxwebhu okwenziwa kwesiza

Ukuba ubungqina obusemthethweni buyaphelelwa, umgangatho we-inshurensi yekhontrakthi awuyi kuhlangula ukufakwa.

3) Ukulungelelanisa amagama omgaqo-nkqubo kumagatya ekhontrakthi

Musa ukucinga ukuba amagama asemgangathweni anele. Cela umrhwebi wakho kunye nomcebisi wezomthetho ukuba aqinisekise ulungelelwaniso lwe:

• ukurhoxisa ukuthotywa apho kuyimfuneko
• inqununu/uphawu lomdla womqeshi
• uxanduva olunqamlezileyo kunye nokusasazeka komlilo apho kufanelekileyo
• Ukusebenza kwe-SASRIA ngokweprofayili yeprojekthi
• umda wejografi kunye nonyango lwekontraka engaphantsi

Gcina iziqinisekiso ezibhaliweyo kwifayile yokuthotyelwa kweprojekthi, kungekhona kwimisonto ye-imeyile kuphela.

4) Lawula i-inshurensi ye-inshorensi engaphantsi

Ukusilela kwiikontraki ezingaphantsi kowona mngcipheko mkhulu ofihlakeleyo kwimisebenzi yoluntu kunye nezakhiwo. Yenza umthetho wesango: akukho kufakwa kunye nokufikelela kwindawo kude kube bubungqina obuncinane be-inshurensi buqinisekisiwe kwaye bufakwe.

Ubungqina obufunekayo bokungena kufuneka bubandakanye ngokuqhelekileyo:

• ishedyuli yangoku yamatyala oluntu
• ukuma kwembuyekezo yabasebenzi
• imihla yokuqinisekiswa komgaqo-nkqubo oquka ixesha elicwangcisiweyo lomsebenzi
• uqinisekiso lokhuseleko lwencutshe kwimisebenzi yomngcipheko omkhulu (for example, structural demolition or specialist lifting operations)

5) Ukubophelela i-inshurensi kulawulo lokwahluka

Xa ububanzi buguquka, ukubonakaliswa kwe-inshurensi kuyatshintsha. Nawuphi na umyalelo wenguqu ovunyiweyo kufuneka uqalise umsebenzi wokuhlaziya i-inshurensi. Ukuba ixabiso leprojekthi, imisebenzi, okanye iprofayili yomngcipheko itshintsha ngokubonakalayo, hlaziya imida kunye neemvume phambi kokuba umsebenzi otshintshileyo uqhubeke.

6) Misela uhlaziyo kunye nophicotho-zincwadi ezibangela

Sebenzisa i-60/30/14-day yokuvuselela isikhumbuzo somjikelo kunye nokuhlolwa kokuthotyelwa kwenyanga kuzo zonke iiprojekthi ezisebenzayo. Injongo kukuthintela ukuphela kwexesha ngexesha lonikezelo lweenkonzo kunye nokugcina ubungqina bokulungela ukuphicothwa kwabathengi.

Ukugcina oku kusebenza, gcina “ipakethi yobungqina be-inshurensi” eqhelekileyo ngeprojekthi nganye ekunokwabelwana ngayo nabaqeshi, ii-arhente zeenqununu, kunye nabaphicothi-zincwadi ngesaziso esifutshane. Ubuncinci bepakethi eluncedo yile:

• ishedyuli yangoku yomgaqo-nkqubo kunye neziqinisekiso ezinxulumene neereferensi zegatya lekhontrakthi
• ubungqina bemeko yentlawulo yepremiyamu apho ifunwa ziinkqubo zolawulo lomqeshi
• Ubungqina obukhoyo be-COIDA kunye neereferensi ze-payroll declaration zamva nje
• irejista ye-inshorensi ephantsi kontraki enemihla yokuqinisekisa kunye nemida evunyiweyo
• isiganeko sokunyuka kokuhamba, kubandakanywa ngubani owazisa i-broker, i-inshurensi, umqeshi, kunye nomlawuli wekhontrakthi
• amabango tracker ebonisa umhla isiganeko, umhla isaziso, ubume uxwebhu, kunye nokugcinwa/inkqubela phambili
• ikhalenda yokuhlaziya enabanikazi abaphendulayo, hayi imihla ekujoliswe kuyo kuphela

Le pack kufuneka ilawulwe njengalo naluphi na olunye uxwebhu lwekhontrakthi eseti: iguqulelwe, ilawulwe ukufikelela, kwaye iphononongwe kwiintlanganiso zolawulo lweprojekthi. Xa kuvela amabango, amaqela agcina olu qeqesho ngokubanzi asombulula imibuzo yobugcisa ngokukhawuleza kuba ubungqina obuxhasayo sele bufakwe kwisalathiso kunye nekhontrakthi.

Ukuba inkqubo yolawulo lwakho isaxhomekeke kwispreadsheets, yithelekise nolawulo oluhlanganisiweyo kolu ulwakhiwo lwe-ERP yaseMzantsi Afrika isishwankathelo, ngakumbi kuxwebhu kunye nokulandeleka kokuhamba komsebenzi.

Kutheni ulawulo lwe-inshorensi esekwe kwi-spreadsheet lusaphuka kwiiprojekthi zoMzantsi Afrika

Ispreadsheets zibukeka zilawuleka ngesayithi enye okanye ezimbini. Ziyasilela xa uneeprojekthi ngaxeshanye, iipakethe zekontraki ezininzi, kunye neemfuno ezithe ngqo zekhontrakthi ezitshintshayo ngokuhamba kwexesha.

Iipateni eziqhelekileyo zokuqhawula ziquka:

• Ukubhideka kwenguqulelo: Iqela lezorhwebo lisebenza kwishedyuli enye ngelixa amaqela esayithi esebenzisa enye.
• Akukho mkhondo wophicotho-zincwadi: awukwazi ukubonisa ukuba ngubani na owamkele utshintsho, lwenzeke nini, kwaye ngoba.
• Uhlaziyo oluphosiweyo: imihla yokuphelelwa komgaqo-nkqubo ilandelwa ngesandla kwaye izilumkiso azingqinelani.
• Uqhagamshelwano olubi lwekhontrakthi: idatha ye-inshorensi ihlala ngokwahlukileyo kwi-JBCC/NEC/GCC izibophelelo kunye neerekhodi zokwahluka.
• Ubungqina obucandiweyo: amaxwebhu axhasayo asasazwa kuzo zonke ii-inbox, iidrive ekwabelwana ngazo, kunye nemisonto ye-WhatsApp.

Oku kuyingozi ngakumbi kwiindawo ezinobunzima bethenda, apho ubungqina bolawulo kufuneka buveliswe ngokukhawuleza nangokungatshintshiyo. Kukwadala uxinzelelo lokuhamba kwemali ngenxa yokuba ukuthotyelwa okungavisisaniyo kunokulibazisa izatifikethi zentlawulo kunye nothethathethwano lokugqibela lweakhawunti.

Ubuthathaka obufanayo benkqubo bubonakala kwezinye iinkalo zokuthotyelwa. Izifundo zokusebenza kwinqaku leemfuno zeNHBRC eMzantsi Afrika zibalulekile apha: ukuba idatha yothotyelo yahlulahluliwe, umngcipheko weprojekthi yakho uyenyuka nokuba unikezelo lwakho lobugcisa luvakala.

Ityala lokusetyenziswa laseMzantsi Afrika: ithenda, ikhontrakthi, kunye nokulungela kwamabango

Qwalasela umkontraka ophakathi waKwaZulu-Natal obhidela inkqubo yokuphucula iikliniki zikamasipala exabisa izigidi ezingama-R48 kwiindawo ezithathu. Ithenda ibandakanya iimfuno ezingqongqo zobungqina be-inshorensi, kwaye ikhontrakthi icwangciswe ngokugqitywa kunye nokugcinwa.

Iqonga lebhidi

Unokontraka ungenisa:

• ikhontrakthi-kumgaqo-nkqubo imatrix edityaniswe namagatya ethenda
• uxwebhu lwangoku lwe-COIDA
• uxanduva loluntu kunye neeshedyuli zeCAR ezinemida eboniswe kwixabiso leprojekthi
• ileta yokuqinisekisa umthengisi ngolungelelwaniso lwegatya kunye neziqinisekiso

Isiphumo: Ibhidi ipasile uphononongo lokuthotyelwa kobugcisa ngaphandle kokulibaziseka kwengcaciso.

Imbasa kunye nokuhlanganiswa

Ngaphambi kokusekwa kwesiza, unokontraka unyanzelisa isango le-inshurensi yekontraka engaphantsi. Iikontraka ezimbini eziphantsi kweengcali ziphawulwe ngokhuseleko lwetyala olunganelanga kwaye kufuneka bongeze imida ye-inshorensi phambi kokuhlanganiswa.

Isiphumo: Umngcipheko ophantsi wezehlo zomntu wesithathu ezingakhuselwanga ngexesha lomsebenzi wokuqala.

Inqanaba lonikezelo

Ukwahluka kongeza umsebenzi wokufikelela kwi-façade yeengcali, ukwandisa ukubonakaliswa. Ngenxa yokuba ulwamkelo oluguquguqukayo lubangela ukuqhutywa komsebenzi wokuphononongwa kwe-inshurensi, izindululo zihlaziywa ngaphambi kokuphunyezwa.

Isiphumo: Ukhuseleko luhlala lulungelelaniswe nomhlaba ohlaziyiweyo, kuncitshiswa ukungaqiniseki kwebango.

Impendulo yesiganeko

Isiganeko somoya siyonakalisa imisebenzi yethutyana kwindawo enye. Unokontraka unokuvelisa ngoko nangoko:

• iziqinisekiso zomgaqo-nkqubo ezihlaziyiweyo
• Uvavanyo lomngcipheko kunye neerekhodi zengxelo yendlela
• amangeno kwidayari yesayithi kunye nobungqina befoto
• umkhondo wembalelwano yekhontrakthi

Isiphumo: inkqubo yebango iqhubela phambili ngokukhawuleza, kwaye umngcipheko wengxabano uyancitshiswa kuba ubungqina buphelele kwaye bugxininiswe ixesha.

Isiphumo sezemali nolawulo

Iqela leprojekthi lizinqanda iingxabano zesatifikethi sentlawulo ezinde ezibotshelelwa kukungaqiniseki, kwaye abaphathi banokubonisa imodeli yolawulo ephindaphindwayo kwiithenda zexesha elizayo.

Kwinqanaba lepotfoliyo, oku kukwaphucula umgangatho wokunika ingxelo yebhodi. Endaweni yohlaziyo olubalisayo olufana “ne-inshurensi ekhoyo”, ubunkokeli bunokulandelela izalathisi ezinokulinganiswa: ipesenti yeeprojekthi ezinemigaqo-nkqubo emiswe ngokwegatya, ipesenti yeekontraka eziphantsi koqinisekiso phambi kokuhlanganiswa, kunye nexesha eliphakathi lokungenisa ubungqina bamabango emva kwesiganeko. Ezi metrics zixhasa izigqibo ezingcono zethenda/ zokungabhidi, ngakumbi xa iithenda zinezohlwayo zekhontrakthi ezingqongqo okanye umngcipheko ophezulu wokujongana noluntu.

Olu lolona tshintsho lungundoqo: i-inshorensi ithathwa njengenxalenye yolawulo lonikezelo, hayi umsebenzi osemva wolawulo.

Ngubani ofanele ukubeka phambili le modeli yokuthobela

Le ndlela ibaluleke kakhulu kwiifemu zaseMzantsi Afrika apho ubunzima bekhontrakthi, uphononongo lwethenda, okanye isikali seprojekthi sidala ukuhla okubonakalayo kulawulo lobungqina obubuthathaka.

Yibeke phambili le modeli ukuba:

• umakhi wendawo yokuhlala osuka kumsebenzi wabucala omncinci ukuya kwiithenda ezisemthethweni
• unokontraka okumgangatho we-CIDB ojolise kumaxabiso eprojekthi amakhulu kunye namanqaku olawulo angqongqo
• umakontraka wezorhwebo olawula iipakethe ezininzi zeekontraka eziphantsi kwe-JBCC, i-NEC, okanye iikontraki ze-GCC
• unokontraka okhokelwa ngumphuhlisi ojongana neenkqubo ngezigaba ngombolekisi kunye nezibophelelo zokunika ingxelo zikamasipala
• Iqela labalawuli elizama ukunciphisa iingxabano zamabango, ukulibaziseka kwentlawulo, kunye nelahleko enxulumene nokuthotyelwa kwethenda

Ifanelekile ngokulinganayo kwiifemu ezinyusayo ukusuka kunikezelo lweprojekthi enye ukuya kwiiprojekthi ezininzi. Umzuzu omnye umphathi wezorhwebo ejongana neziza ezininzi, ukulandelwa kwe-inshurensi engekho sikweni kuba ngumqobo wolawulo. Ukulinganisa ubungqina bokuthotyelwa kuzo zonke iiprojekthi kuvumela ukungeniswa kwethenda okungaguqukiyo, uphononongo olukhawulezayo lomthetho, kunye nokunikezelwa okucocekileyo phakathi koqikelelo, izivumelwano, kunye namaqela asebenzayo. Kwiimeko ezinengeniso ephezulu, oku kuqhubela phambili kubalulekile kuba umgangatho wokuthotyelwa akufuneki uxhomekeke kumntu onamava okhumbula zonke iinkcukacha zegatya.

Ukuba ishishini lakho sele liphonononga ubume bekhontrakthi kunye nabakhandi bentlawulo, ulawulo lwe-inshorensi ezibini kunye nolawulo kwi-JBCC vs NEC vs GCC contracts kunye nezatifikethi zentlawulo yenkqubela phambili eMzantsi Afrika. Ulawulo luxhomekeke kwelinye; ukomeleza ummandla othile ngelixa utyeshela enye kudla ngokushiya umngcipheko worhwebo ofanayo ungasonjululwa.

Gcina contractor insurance south africa ubungqina bulungile

Ukuthathwa kwento ebonakalayo kulula: contractor insurance south africa kufuneka ilawulwe njengenkqubo eqhubekayo yothotyelo edityaniswe nokulungela iithenda, izibophelelo zekhontrakthi, kunye nolawulo lweprojekthi. Xa amaxwebhu akho, imida, iziqinisekiso, kunye nokuphonononga ukuhamba komsebenzi kuhambelana, unciphisa ukungaqiniseki kwebango kwaye ukhusele zombini inkqubo kunye neziphumo zokuhamba kwemali.

Ukuba ufuna indlela ecacileyo yokulawula ubungqina bokuthotyelwa kuzo zonke iikhontrakthi, amaqela, kunye neziza, bona ukuba iWakha ibaxhasa njani abakhi boMzantsi Afrika ngolawulo olucwangcisiweyo lolawulo kwindawo enye: /wakha.