Osonkontileka abaningi bathola izikhala zomshwalense kuphela lapho isicelo senqatshwa, isitifiketi sokukhokha sibambezeleka, noma ikomidi lamathenda licela ubufakazi elingakwazi ukubuveza ngesikhathi. Empeleni, contractor insurance south africa incane mayelana nokuthenga inqubomgomo futhi imayelana nokuqinisekisa ukuthi ikhava yakho ifana nenkontileka yakho, iphrofayili yobungozi bephrojekthi, kanye nemisebenzi esemthethweni.

Emaphrojekthini aseNingizimu Afrika, ukuthobela umshwalense kuhleli ochungechungeni lwengozi efanayo nokuhlela i-CIDB, ​​ukubhaliswa kwe-NHBRC, ukuphathwa kwenkontileka, nokuphepha kwesizinda. Uma idokhumenti eyodwa iphelelwe yisikhathi noma umkhawulo owodwa uphansi kakhulu kunani lenkontileka, umthelela wezohwebo ungaba ngokushesha: ukuhoxiswa kumathenda, ukumiswa kwemisebenzi yendawo, noma ukulahlekelwa okungabuyiseki ngemva kwesigameko. Lo mhlahlandlela uchaza indlela yokuphatha umshwalense egcina abakhi benobufakazi, bethobela inkontileka, futhi bekulungele ukucwaningwa kwamabhuku.

Contractor Insurance South Africa Umhlahlandlela Wokuthobela

Kungani ukungathobeli umshwalense kuba yingozi yephrojekthi

Ukwehluleka komshwalense akuvamile ukubangelwa iphutha elilodwa elikhulu. Ngokuvamile zivela ezikhaleni zokuphatha ezincane ezinqwabelana kuzo zonke izigaba zebhidi, umklomelo wenkontileka, nokulethwa.

Amaphuzu okuhluleka ajwayelekile ahlanganisa:

• ukuhanjiswa kwamathenda anezinhlamvu eziphelelwe yisikhathi zokuma okuhle noma izinhlelo ezingekho
• izinqubomgomo ezisebenzayo, kodwa ezingahambelani nezigaba zomshwalense eziqondene nenkontileka
• osonkontileka abancane abaqala esizeni ngaphandle kwemikhawulo eqinisekisiwe yesikweletu somphakathi
• amanani eqile angazange abekelwe isabelomali ekuhlelweni kokungena nokuphuma kwemali kwephrojekthi
• alikho irekhodi elicacile lokuthi ubani ogunyaze izinguquko zenqubomgomo ngemva kokuhlukahluka kobubanzi

Esakhiweni sezentengiselwano sika-R35 million e-Gauteng, isibonelo, usonkontileka angase abe nekhava yesikweletu yonyaka kodwa aqhubeke ephula izibopho zenkontileka uma umenzeli oyinhloko edinga izandiso (CAR) zosonkontileka engcupheni ethile futhi azigunyazwanga ngaphambi kokuqoqwa. Uma isiphepho silimaza ingxenye ethile yemisebenzi eqediwe, umshwalense angase aphikisane nobubanzi, futhi usonkontileka angagcina esezithwele zombili izindleko zokubuyisela kanye nokulibaziseka komonakalo ukuchayeka.

Ukungalandelwa kwemithetho yomshwalense nakho kuthinta ukuncintisana kwamathenda. Amakhasimende omphakathi nawangasese aya ngokuya ehlaziya ukulungela, hhayi amanani kuphela. Usonkontileka oneshejuli yomshwalense ecacile, izifinyezo zomlando wesimangalo, nobufakazi bamanje bokuthobela ngokuvamile uzuza kangcono ezigabeni zengcuphe nezokubusa kunomthengi onenani eliphansi onamadokhumenti abuthakathaka.

Ukuze uthole ithenda ehlobene nomongo wokugreda, bheka ukuhlukaniswa kwemikhawulo yenani lephrojekthi kumhlahlandlela we-CIDB wamabanga nemikhawulo kanye nohlaka olubanzi lokuthobela kuchaza ukuhlelwa kwe-CIDB.

Contractor insurance south africa: ingqikithi yezomthetho neyenkontileka

Izibopho zomshwalense ekwakhiweni kwaseNingizimu Afrika zilolongwa yikho kokubili umthetho nenkontileka. Udinga ukwanelisa imisebenzi yomthetho kuqala, bese ubeka izimfuneko eziqondene nephrojekthi ethile kusukela ku-JBCC, NEC, GCC, izimo zeklayenti, nezivumelwano zamabolekisi.

Imithombo yokuthobela ebalulekile okufanele ilandelwe:

Umthombo	Kusho ukuthini ukuthobela umshwalense	Ubufakazi okufanele buhlale bulungile
Umthetho Wezempilo Nokuphepha Emsebenzini (Act 85 of 1993) kanye Nezimiso Zokwakha, 2014	Isibopho sokuhlinzeka nokugcina indawo yokusebenza ephephile futhi engenabungozi empilweni, esekelwa izilawuli ezinekhono zokulawula ubungozi	Ukuhlolwa kobungozi, izitatimende zezindlela, amarejista ezehlakalo, izixhumanisi phakathi kokulawula ubungozi kanye nezimo zenqubomgomo
Umthetho Wokunxeshezelwa Kokulimala Nezifo Emsebenzini (COIDA)	Abaqashi kufanele babhaliswe futhi babe nokuma okuhle kwezibopho zesinxephezelo sokulimala kwabasebenzi	Incwadi yokuma okuhle, izimemezelo zokukhokha, amarekhodi okukhokha okuhlola
Uhlaka lwe-CIDB (tender and capability context)	Amaklayenti ayahlola ukuthi ingabe ukubusa kanye nokulawulwa kwengozi kuyahambisana yini nesikali sephrojekthi kanye nezifiso zebanga	Isheduli yomshuwalense iqondaniswe nenani lephrojekthi, uhlu lokuhlola ukubusa, ibhodi noma amarekhodi okusayina abaphathi
Izimfuneko ze-NHBRC (housing projects)	Abakhi bezindlu badinga izilawuli zokuthobela ezihambisanayo kuzo zonke izikhathi zokubhalisa, izigaba zokuhlolwa, nobungozi bokukhubazeka	Ubufakazi bokubhalisa, amarekhodi okuhlola, inqubo yokuphendula iphutha, inkokhelo yobungcweti lapho kufanele khona
Izinhlinzeko zenkontileka ye-JBCC/NEC/GCC	Inkontileka ingase ichaze amakilasi athile enqubomgomo, imikhawulo, amaqembu aqanjwe ngomshwalense, kanye nezikhathi zekhava	I-matrix yomshwalense wenkontileka, ukuvumela, iziqinisekiso zomthengisi, idayari yokuvuselela

Ngokwangempela, ukuthobela inkontileka kuvame ukudlula okuthi “unawo umshwalense?” futhi uyabuza:

• Ingabe iqembu elilungile liqinisekisiwe ngomsebenzi olungile?
• Ingabe umkhawulo wenhlawulo uphakeme ngokwanele kule phrojekthi kanye nalo mqashi?
• Ingabe amagama agunyazwe umshwalense ahambisana nezigatshana zenkontileka?
• Ingabe isikhathi sekhava sihlanganisa izibopho zesikweletu sokukhubazeka lapho kudingeka?
• Ungakwazi yini ukuveza ubufakazi phakathi namahora angu-24 uma ubuzwa?

Yingakho umshwalense kufanele uphathwe njengokulandelana komsebenzi olawulwayo, hhayi njengokuthenga kanye nje konyaka.

Uhlelo lokusebenza olusebenzayo lokuthobela umshwalense kosonkontileka

Sebenzisa inqubo esesiteji eqala ngaphambi kokuthunyelwa kwethenda futhi iqhubeke kuze kube sekugcineni. Lokhu kunciphisa okumangazayo futhi kugcina amaqembu ephrojekthi ehambisana nezibopho zezohwebo nezomthetho.

1) Yakha i-matrix yenkontileka-kuya-kunqubomgomo ngesikhathi sethenda

Ngaphambi kokuhambisa, khipha zonke izigatshana zomshuwalense kwinkontileka esalungiswa, ububanzi, kanye nezimfuneko zomqashi. Mepha isigatshana ngasinye ukuze:

• uhlobo lwenqubomgomo oludingekayo
• umkhawulo odingekayo wembuyiselo/wekhava
• iqembu elibophezelekile (employer, principal contractor, subcontractor)
• idokhumenti yobufakazi edingekayo ukuze uklonyeliswe
• idethi yokubuyekeza ngaphambi kokuhlanganisa

Le matrix iba umthombo owodwa wamathimba ebhidi, ezomthetho, ezohwebo, nawesayithi.

2) Qinisekisa imibhalo esemthethweni kuqala

Amathenda amaningi ayahluleka ebufakazini bokuthotshelwa kwesisekelo. Qinisekisa ukuthi wonke amarekhodi ahlobene nomshwalense osemthethweni angawamanje:

• Incwadi ye-COIDA yokuma okuhle
• izimemezelo zokuntuleka kwemisebenzi nezinkokhelo lapho kudingeka khona
• izinqubo zokulimala emsebenzini ezivezwe emibhalweni yokungeniswa kwendawo

Uma ubufakazi obusemthethweni buphelelwa yisikhathi, ikhwalithi yomshwalense wenkontileka ngeke ikutakule ukuthunyelwa.

3) Qondanisa amagama enqubomgomo nezigatshana zenkontileka

Ungacabangi ukuthi amagama ajwayelekile anele. Cela umthengisi wakho kanye nomeluleki wezomthetho ukuthi aqinisekise ukuqondanisa kwalokhu:

• ukuhoxiswa kwe-subrogation lapho kudingeka
• uthishanhloko/inzalo yomqashi
• ukweqa kanye nokubhebhetheka komlilo lapho kufanele khona
• Ukusebenza kwe-SASRIA ngephrofayili yephrojekthi
• indawo kanye nokwelashwa kosonkontileka abangaphansi

Gcina iziqinisekiso ezibhaliwe efayeleni lokuthobela iphrojekthi, hhayi emicungweni ye-imeyili kuphela.

4) Lawula ukugibela umshwalense ongaphansi kosonkontileka

Okuzenzakalelayo kosonkontileka abangaphansi kungenye yezingozi ezinkulu ezifihliwe emisebenzini yomphakathi neyokwakha. Dala umthetho wesango: akukho ukungeniswa futhi akukho ukufinyelela kwesayithi kuze kube yilapho ubuncane bobufakazi bomshuwalense buqinisekisiwe futhi bungena ngemvume.

Ubufakazi obudingekayo bokugibela kufanele buhlanganise:

• ishejuli yamanje yesikweletu somphakathi
• ukuma kwesinxephezelo sabasebenzi
• izinsuku zokuqinisekisa inqubomgomo ezihlanganisa isikhathi esihleliwe somsebenzi
• ukuqinisekiswa kwekhava yochwepheshe yemisebenzi enobungozi obukhulu (for example, structural demolition or specialist lifting operations)

5) Bopha umshwalense ekulawuleni ukuhlukahluka

Uma ububanzi bushintsha, ukuchayeka komshwalensi kuyashintsha. Noma yimuphi umyalo ohlukile ogunyaziwe kufanele uqalise umsebenzi wokubuyekeza umshwalense. Uma inani lephrojekthi, imisebenzi, noma iphrofayili yengcuphe ishintsha ngokwezinto ezibonakalayo, buyekeza imikhawulo nezincomo ngaphambi kokuthi umsebenzi oshintshiwe uqhubeke.

6) Setha izingqalasizinda zokuvuselela nokucwaningwa kwamabhuku

Sebenzisa umjikelezo wesikhumbuzi sokuvuselela wezinsuku ezingama-60/30/14 kanye nokuhlola ukuthobela umthetho kwanyanga zonke kuwo wonke amaphrojekthi asebenzayo. Umgomo uwukuvimbela ukuphelelwa yisikhathi ngezikhathi zokulethwa kwezinga eliphezulu kanye nokugcina ubufakazi bulungele ukucwaningwa kwamabhuku kwamakhasimende.

Ukuze ugcine lokhu kusebenza, gcina “iphakethe lobufakazi bomshwalensi” elijwayelekile ngephrojekthi ngayinye engabiwa nabaqashi, ama-agent ayinhloko, kanye nabacwaningi mabhuku ngesikhathi esifushane. Iphekhi elincane elisebenzisekayo yileli:

• ishejuli yenqubomgomo yamanje kanye nokuvumela okuxhunyaniswe nezithenjwa zomushwana wenkontileka
• ubufakazi besimo sokukhokha i-premium lapho kudingwa yizinqubo zokuphatha umqashi
• Ubufakazi obukhona be-COIDA nezithenjwa zakamuva zesimemezelo somholo
• irejista yomshwalense kasonkontileka ongaphansi enezinsuku zokusebenza nemikhawulo egunyaziwe
• ukugeleza kokwenyuka kwesigameko, okuhlanganisa ukuthi ubani owazisa umthengisi, umshwalense, umqashi, nomphathi wenkontileka
• umlandeleli wezimangalo obonisa usuku lomcimbi, idethi yokwaziswa, isimo sedokhumenti, kanye nenqubekelaphambili yokugodla/yokukhokha
• ukuvuselela ikhalenda enabanikazi abaziphendulela, hhayi kuphela izinsuku okuhloswe ngazo

Leli phekhi kufanele lilawulwe njenganoma yimuphi omunye umbhalo wenkontileka osethiwe: uguqulelwe, ulawulwe ukufinyelela, futhi ubuyekezwe emihlanganweni yokuphatha iphrojekthi. Uma kuphakama izimangalo, amaqembu agcina lokhu kuziphatha ngokuvamile axazulula imibuzo yobuchwepheshe ngokushesha ngoba ubufakazi obusekelayo sebuvele bufakwe kunkomba futhi buxhumene nenkontileka.

Uma inqubo yakho yokubusa isancike kumaspredishithi ahlakazekile, iqhathanise nezilawuli ezihlanganisiwe kulokhu ukubuka konke kwe-ERP yaseNingizimu Afrika, ikakhulukazi kumadokhumenti nokulandeleka kokuhamba komsebenzi.

Kungani ukuphathwa komshwalense okusekelwe kuspredishithi kuphuka kumaphrojekthi waseNingizimu Afrika

Amaspredishithi abukeka elawuleka ngesayithi elilodwa noma amabili. Ayahluleka uma unamaphrojekthi ngesikhathi esisodwa, amaphakheji ezinkontileka ezingaphansi eziningi, kanye nezidingo eziqondene nenkontileka ezishintshayo ngokuhamba kwesikhathi.

Amaphethini wokuhlukaniswa ajwayelekile ahlanganisa:

• Ukudideka kwenguqulo: ithimba lezentengiselwano lisebenza ohlelweni olulodwa kuyilapho amaqembu esayithi esebenzisa enye.
• Awukho umkhondo wokucwaninga: awukwazi ukukhombisa ukuthi ubani ogunyaze ushintsho, lwenzeka nini, nokuthi kungani.
• Ukuvuselela okugejiwe: izinsuku zokuphelelwa yisikhathi zenqubomgomo zilandelelwa mathupha futhi izexwayiso azihambisani.
• Ukuxhumana okungekuhle kwenkontileka: idatha yomshwalense ihlala ngokuhlukile kuzibopho ze-JBCC/NEC/GCC namarekhodi ahlukile.
• Ubufakazi obuhlukene: amadokhumenti asekelayo asatshalaliswa kuwo wonke amabhokisi okungenayo, amadrayivu abiwayo, nochungechunge lwe-WhatsApp.

Lokhu kuyingozi ikakhulukazi ezindaweni ezinethenda ezinzima, lapho ubufakazi bokubusa kufanele bukhiqizwe ngokushesha nangokungaguquguquki. Kuphinde kudala ingcindezi yokuhamba kwemali ngenxa yokuthi ukuthobela imithetho okuyingxabano kungabambezela izitifiketi zokukhokha nezingxoxo zokugcina zama-akhawunti.

Ubuthakathaka obufanayo besistimu bubonakala kwezinye izindawo zokuthobela imithetho. Izifundo zokusebenza ku-athikili ye-NHBRC yaseNingizimu Afrika` zibalulekile lapha: uma idatha yokuthobela ihlukanisiwe, ubungozi bephrojekthi yakho buyanda ngisho noma ukulethwa kwakho kobuchwepheshe kuzwakala.

Icala lokusebenzisa laseNingizimu Afrika: ithenda, inkontileka, nokulungela izicelo

Cabangela usonkontileka waKwaZulu-Natali obhidela uhlelo lokuthuthukisa imitholampilo kamasipala olubiza u-R48 million ezindaweni ezintathu. Ithenda ihlanganisa izidingo eziqinile zobufakazi bomshwalense, futhi inkontileka ihlelwe ngokuqedwa ngesiteji nokugcinwa.

Isiteji sokubhida

Usonkontileka uhambisa:

• i-matrix yenkontileka-kwinqubomgomo exhunywe nezigaba zamathenda
• imibhalo emile ye-COIDA yamanje
• isibopho somphakathi kanye namashejuli e-CAR anemikhawulo eboniswe ivelu yephrojekthi
• incwadi yokuqinisekisa umthengisi mayelana nokuqondanisa kwesigatshana kanye nokuvumela

Umphumela: ibhidi iphasisa ukubuyekezwa kokuthobelana kobuchwepheshe ngaphandle kokubambezeleka kokucaciswa.

Umklomelo kanye nokugqugquzela

Ngaphambi kokusungulwa kwesiza, usonkontileka uphoqelela isango lomshwalense losonkontileka ongaphansi. Osonkontileka ababili abancane abangochwepheshe bamakwe ngekhava yesikweletu enganele futhi kudingeka bagcwalise imikhawulo yekhava ngaphambi kokuhlanganisa.

Umphumela: ubungozi obuphansi bezehlakalo zezinkampani zangaphandle ezingaqinisekisiwe phakathi nomsebenzi wangaphambi kwesikhathi.

Isiteji sokulethwa

Ukwehluka kwengeza umsebenzi wokufinyelela we-façade onguchwepheshe, okwandisa ukuchayeka. Ngenxa yokuthi ukugunyazwa okuhlukile kubangela ukuhamba komsebenzi kokubuyekezwa komshwalense, ukuvumela kuyabuyekezwa ngaphambi kokwenziwa.

Umphumela: ukufakwa kuhlala kuhambisana ne-scope ebuyekeziwe, kunciphisa ukungaqiniseki kwesimangalo.

Impendulo yesigameko

Isehlakalo somoya silimaza imisebenzi yesikhashana endaweni eyodwa. Usonkontileka angakhiqiza ngokushesha:

• izincomo ezibuyekeziwe zenqubomgomo
• ukuhlolwa kobungozi kanye namarekhodi esitatimende sezindlela
• okufakiwe kwedayari yesayithi nobufakazi bezithombe
• umzila wokuxhumana wenkontileka

Umphumela: inqubo yesimangalo iqhubeka ngokushesha, futhi ingozi yengxabano iyancipha ngoba ubufakazi buphelele futhi bugxivizwe isikhathi.

Umphumela wezezimali nokubusa

Ithimba lephrojekthi ligwema izingxabano zesitifiketi sokukhokha ezinde ezihambisana nokungaqiniseki, futhi abaphathi bangabonisa imodeli yokuphatha ephindaphindwayo yamathenda esikhathi esizayo.

Ezingeni lephothifoliyo, lokhu futhi kuthuthukisa ikhwalithi yokubika kwebhodi. Esikhundleni sezibuyekezo zezindaba njengokuthi “umshuwalense okhona”, ubuholi bungalandelela izinkomba ezingalinganiseka: iphesenti lamaphrojekthi anezinqubomgomo ezifakwe kumephu yomushwana, amaphesenti osonkontileka abancane abaqinisekiswa ngaphambi kokuhlanganiswa, kanye nesikhathi esimaphakathi sokuhambisa ubufakazi bezicelo ngemuva kwesigameko. Lawa mamethrikhi asekela izinqumo ezingcono zokubhidi/ukungabhidi, ikakhulukazi uma amathenda ephethe izinhlawulo eziqinile zenkontileka noma ubungozi obuphezulu bokuxhumana nomphakathi.

Lolu wushintsho olubalulekile: umshwalense uthathwa njengengxenye yokuphatha ukulethwa, hhayi umsebenzi ongemuva wokuphatha.

Ubani okufanele abeke phambili le modeli yokuthobela imithetho

Le ndlela ibaluleke kakhulu ezinkampanini zaseNingizimu Afrika lapho ubunzima bezinkontileka, ukucutshungulwa kwamathenda, noma izinga lephrojekthi kudala ukwehla okukhulu ekuphathweni kobufakazi obubuthakathaka.

Beka kuqala le modeli uma:

• umakhi wokuhlala osuka emsebenzini omncane wangasese aye kumathenda asemthethweni
• usonkontileka osezingeni le-CIDB ohlose amanani ephrojekthi amakhulu kanye nokuthola amaphuzu okubusa okuqinile
• usonkontileka wezohwebo ophethe amaphakheji ezinkontileka ezingaphansi kwe-JBCC, NEC, noma izinkontileka ze-GCC
• usonkontileka oholwa unjiniyela ophatha izinhlelo ezihlukaniswa ngezigaba ezinomboleki kanye nezibopho zokubika zikamasipala
• ithimba labaphathi elizama ukunciphisa izingxabano zezicelo, ukubambezeleka kokukhokha, kanye nokulahlekelwa okuhlobene nokulandelwa kwethenda

Isebenza ngokulinganayo ezinkampanini ezikala kusukela ekulethweni kwephrojekthi eyodwa ukuya emisebenzini yamaphrojekthi amaningi. Lapho umphathi wezohwebo oyedwa eqondisa izizinda ezimbalwa, ukulandela umshwalense okungakahleleki kuba umgoqo wokubusa. Ukulinganisa ubufakazi bokuthobelana kuwo wonke amaphrojekthi kuvumela ukuhanjiswa kwamathenda okungaguquki, ukubuyekezwa kwezomthetho okusheshayo, kanye nokunikezelwa okuhlanzekile phakathi kwamaqembu okulinganisa, izinkontileka, namathimba okusebenza. Ezimweni ezinenzuzo ephezulu, lokhu kuqhubeka kubalulekile ngoba ikhwalithi yokuthobela akumele incike kumuntu oyedwa onolwazi okhumbula yonke imininingwane yesigatshana.

Uma ibhizinisi lakho selivele libuyekeza izakhiwo zenkontileka kanye nezinsimbi zokukhokha, bhanqa ukubusa komshwalense nezilawuli kokuthi Inkontileka ye-JBCC iqhudelana ne-NEC vs GCC kanye nezitifiketi zokukhokha zenqubekelaphambili eNingizimu Afrika. Izilawuli zincike kwelinye; ukuqinisa indawo eyodwa kuyilapho ungayinaki enye ngokuvamile kushiya ingozi efanayo yezohwebo ingaxazululeki.

Gcina contractor insurance south africa ubufakazi bulungile

I-takeaway engokoqobo ilula: contractor insurance south africa kufanele iphathwe njengohlelo oluqhubekayo lokuthobela oluxhumene nokulungela amathenda, izibopho zenkontileka, nokulawulwa kwephrojekthi. Uma amadokhumenti akho, imikhawulo, izincomo, kanye nokugeleza komsebenzi wokubuyekeza kuqondaniswe, wehlisa ukungaqiniseki kwesimangalo futhi uvikele kokubili imiphumela yohlelo kanye nokugeleza kwemali.

Uma ufuna indlela ecacile yokuphatha ubufakazi bokuthobelana kuzo zonke izinkontileka, amaqembu, namasayithi, bona ukuthi i-Wakha ibasekela kanjani abakhi baseNingizimu Afrika ngokugeleza kokubusa okuhlelekile endaweni eyodwa: /wakha.