{"id":337326,"date":"2019-11-28T12:45:05","date_gmt":"2019-11-28T11:45:05","guid":{"rendered":"https:\/\/hashtag.al\/?p=337326"},"modified":"2019-11-28T12:46:26","modified_gmt":"2019-11-28T11:46:26","slug":"sigurimi-vullnetar-si-demshperblehen-demet-nga-termeti","status":"publish","type":"post","link":"https:\/\/www.hashtag.al\/index.php\/2019\/11\/28\/sigurimi-vullnetar-si-demshperblehen-demet-nga-termeti\/","title":{"rendered":"Sigurimi vullnetar, si d\u00ebmshp\u00ebrblehen d\u00ebmet nga t\u00ebrmeti","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"<p><a href=\"https:\/\/hashtag.al\/wp-content\/uploads\/2019\/11\/termeti-Lezhe-3.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-337114\" src=\"https:\/\/hashtag.al\/wp-content\/uploads\/2019\/11\/termeti-Lezhe-3.jpg\" alt=\"\" width=\"960\" height=\"640\" srcset=\"https:\/\/www.hashtag.al\/wp-content\/uploads\/2019\/11\/termeti-Lezhe-3.jpg 960w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2019\/11\/termeti-Lezhe-3-300x200.jpg 300w, https:\/\/www.hashtag.al\/wp-content\/uploads\/2019\/11\/termeti-Lezhe-3-768x512.jpg 768w\" sizes=\"auto, (max-width: 960px) 100vw, 960px\" \/><\/a><\/p>\n<p><span style=\"color: #000000;\">Raporti prim-mbulim nga sigurimi 1 me 1000, nj\u00eb banes\u00eb me vler\u00eb 100 mij\u00eb euro sigurohet p\u00ebr 100 euro\/vit, p\u00ebrfshihen edhe paisjet elektrosht\u00ebpiake.<\/span><\/p>\n<p><span style=\"color: #000000;\">Kush mund t\u2019ju ndihmonte n\u00eb koh\u00eb rekord prej 2 jav\u00ebsh, n\u00eb rast se biznesi juaj nd\u00ebrpritet papritur? Po n\u00eb rast se banesa juaj do t\u00eb shkat\u00ebrrohej n\u00eb nj\u00eb \u00e7ast? Ky \u00ebsht\u00eb nj\u00eb nga mesazhet e marketingut t\u00eb kompanive t\u00eb sigurimit lidhur me d\u00ebmshp\u00ebrblimin nga ngjartjet natyrore si t\u00ebrmetet e dit\u00ebve t\u00eb fundit. Aktualisht, Ligji nr. 52, dat\u00eb 22.05.2014 \u201cP\u00ebr veprimtarin\u00eb e sigurimit dhe risigurimit\u201d u jep mund\u00ebsin\u00eb qytetar\u00ebve q\u00eb t\u00eb sigurohen nga zjarri dhe forcat e natyr\u00ebs n\u00eb m\u00ebnyr\u00eb vullnetare dhe \u00e7do biznes apo rezident mund t\u00eb kryej\u00eb sigurimin e pron\u00ebs n\u00eb nj\u00eb nga 8 shoq\u00ebrit\u00eb e sigurimit t\u00eb jo-jet\u00ebs q\u00eb ushtrojn\u00eb aktivitetin n\u00eb Shqip\u00ebri.<\/span><\/p>\n<p><span style=\"color: #000000;\">N\u00eb raportin mesatar 1 me 1000, pra nj\u00eb banes\u00eb me vler\u00eb 100 mij\u00eb euro sigurohet p\u00ebr 100 euro\/vit, sigurimi banes\u00ebn. Sigurimi i pasuris\u00eb ofron mbulim dhe mb\u00ebshtetje financiare, rikthim te pasuris\u00eb n\u00eb gjendjen e m\u00ebparshme nga humbjet e papritura t\u00eb shkaktuara nga fatkeq\u00ebsit\u00eb natyrore si zjarri, rrufe, t\u00ebrmet, p\u00ebrmbytje, stuhi, bresh\u00ebr por edhe nga vjedhjet.<\/span><\/p>\n<p><span style=\"color: #000000;\">Kompanit\u00eb e sigurimit me sigurimin e banes\u00ebs p\u00ebr individ\u00ebt, si rregull sigurjn\u00eb edhe pajisjet sht\u00ebpiake deri ne 30% te vler\u00ebs se nd\u00ebrtes\u00ebs, parat\u00eb dhe sendet me vler\u00eb, duke filluar nga 500-2.500 \u20ac p\u00ebr secilin, shpenzimet e zhvendosjes s\u00eb p\u00ebrkoh\u00ebshme deri n\u00eb 4,000 \u20ac, p\u00ebrgjegjesia ndaj pal\u00ebve t\u00eb treta deri n\u00eb 4,000 \u20ac.<\/span><\/p>\n<p><span style=\"color: #000000;\">Kompanit\u00eb e sigurimit duhet t\u00eb kompensojn\u00eb bizneset n\u00eb 100% p\u00ebr humbjen e fitimit p\u00ebr nj\u00eb periudh\u00eb 12 mujore, si pasoj\u00eb e nd\u00ebrprerjes s\u00eb aktivitetit nga d\u00ebmtimi i pron\u00ebs.Kompanit\u00eb e sigurimit ofrojn\u00ebsigurim p\u00ebr pasuri t\u00eb luajtshme (inventar, l\u00ebnd\u00eb e pare, mall ne proces, makineri, pajisje, linja p\u00ebrpunimi, etj), si dhe pasuri t\u00eb paluajtshme, si (apartamente, vila, fabrika, zyra administrative, nj\u00ebsi biznesi, etj), e ju d\u00ebmshp\u00ebrblen p\u00ebr humbjen, d\u00ebmtimin ose shkat\u00ebrrimin e pasuris\u00eb s\u00eb siguruar n\u00eb m\u00ebnyr\u00eb te papritur , t\u00eb paparashikuar dhe aksidentale.<\/span><\/p>\n<p><span style=\"color: #000000;\">Ngjarjet q\u00eb sigurohen bizneset jan\u00eb kryesisht zjarri, rrufeja, shp\u00ebrthimi, r\u00ebnia e Avioneve dhe\/ose pjes\u00ebve prej tyre. Rreziqet shtes\u00eb p\u00ebrfshijn\u00eb t\u00ebrmetin, rr\u00ebshqitja e tok\u00ebs, p\u00ebrmbytja, rritja e nivelit t\u00eb ujrave, stuhia, vjedhja, thyerja e xhamave, impakti me mjetet, zhurmat SuperSonike, aktet keqdash\u00ebse, grevat, ngujimi i punonj\u00ebsve dhe trazirat Civile<\/span><\/p>\n<p><strong><span style=\"color: #000000;\">Dokumentet q\u00eb duhen p\u00ebr t\u00eb mar\u00eb kompensimin e d\u00ebmeve nga t\u00ebrmeti<\/span><\/strong><\/p>\n<ul>\n<li><span style=\"color: #000000;\">P\u00ebr t\u00eb marr\u00eb kompensimin e d\u00ebmit dokumentat q\u00eb nevojiten jan\u00eb si vijon:<\/span><\/li>\n<li>Njoftim k\u00ebrkesa, polica e sigurimit, dokumentacionin e pron\u00ebsis\u00eb t\u00eb objektit t\u00eb d\u00ebmtuar<\/li>\n<li>Raporti i policis\u00eb p\u00ebr ngjarjen(n\u00eb var\u00ebsi t\u00eb ngjarjes)<\/li>\n<li>Vendimi i prokuroris\u00eb p\u00ebr ngjarjen (n\u00eb var\u00ebsi t\u00eb ngjarjes)<\/li>\n<li>Fotografi t\u00eb vendit t\u00eb ngjarjes dhe objektit t\u00eb d\u00ebmtuar<\/li>\n<li>Preventiv paraprak (n\u00eb rast se disponohet)<\/li>\n<li>Afati ligjor p\u00ebr trajtimin e rastit \u00ebsht\u00eb 60 dit\u00eb nga data e njoftim k\u00ebrkes\u00ebs<\/li>\n<\/ul>\n<p><strong><span style=\"color: #000000;\"><span style=\"color: #ff0000;\">VINI RE:<\/span> Ky artikull \u00ebsht\u00eb pron\u00eb intelektuale e <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.monitor.al\/sigurimi-vullnetar-si-demshperblehen-demet-nga-termeti\/\">Monitor.al<\/a><\/span><\/span><\/strong><\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"<p>Raporti prim-mbulim nga sigurimi 1 me 1000, nj\u00eb banes\u00eb me vler\u00eb 100 mij\u00eb euro sigurohet p\u00ebr 100 euro\/vit, p\u00ebrfshihen edhe paisjet elektrosht\u00ebpiake. Kush mund t\u2019ju ndihmonte n\u00eb koh\u00eb rekord prej 2 jav\u00ebsh, n\u00eb rast se biznesi juaj nd\u00ebrpritet papritur? Po n\u00eb rast se banesa juaj do t\u00eb shkat\u00ebrrohej n\u00eb nj\u00eb \u00e7ast? Ky \u00ebsht\u00eb nj\u00eb nga [&hellip;]<\/p>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":30,"featured_media":337114,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65,13],"tags":[],"class_list":["post-337326","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lajme","category-te-fundit"],"gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/337326","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/users\/30"}],"replies":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/comments?post=337326"}],"version-history":[{"count":0,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/posts\/337326\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media\/337114"}],"wp:attachment":[{"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/media?parent=337326"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/categories?post=337326"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.hashtag.al\/index.php\/wp-json\/wp\/v2\/tags?post=337326"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}