Besigheid - Business 

Gebeurlikheidsaanspreeklikheid - Borgskapbeskerming

Dit is ‘n plan om finansiële verlies te voorkom in die persoonlike boedel van ‘n individu wat aanspreeklik is vir die skuld van ‘n besigheid deurdat hy as medehoofskuldenaar ‘n leningsooreenkoms onderteken het of deurdat hy die een of ander vorm van sekuriteit verskaf het.

Wanneer 'n besigheid geld by die bank leen, sal die bank vereis dat een of meer eienaars in hul persoonlike hoedanigheid borg staan vir daardie lening. Die bank kan die borg aanspreeklik hou indien die besigheidseienaar weens sterfte of permanente ongeskiktheid nie die lening kan terugbetaal nie.

n Versekeringsplan vir gebeurlikheidsaanspreeklikheid, wat deur die besigheid aangegaan word op die lewe van die besigheidseienaar wat borg geteken het, word gebruik om so 'n dilemma te oorbrug.


Voorbeeld

Move It (Edms) Bpk het R1 miljoen by ABC Bank geleen om nuwe vragmotors vir hul vervoerbesigheid te koop. Die drie aandeelhouers, John, Jack en Jill, moes namens die besigheid borg teken.

Die besigheid gaan 'n suiwer risikoplan op die lewe van elke aandeelhouer aan vir 'n bedrag gelyk aan die waarde van die skuld wat gewaarborg is, en gaan 'n ooreenkoms met die aandeelhouers aan wat die besigheid verplig om die skuld by die bank te vereffen indien enige van die aandeelhouers sterf of permanent ongeskik raak.

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Contingent liability - Suretyship protection

This is a plan to avoid financial loss in the personal estate of an individual who is liable for a debt of the business through signing as co-principal debtor or by providing any other form of security.

When a business borrows money from the bank, the bank will require one or more of the owners to sign surety for that loan in their personal capacity. The bank may call up the surety if the business owner is unable to repay the loan as a result of death or permanent disability.

A contingent liability insurance plan, taken out by the business on the life of the business owner who signed surety, is used to overcome such a dilemma.

Example

Move It (Pty) Ltd borrowed R1 million from ABC Bank to fund the purchase of new trucks for their transport business. The three shareholders, John, Jack and Jill, were required to sign surety on behalf of the business.

The business takes out a pure risk plan on the life of each of the shareholders for an amount equal to the value of the debt guaranteed, and enters into an agreement with the shareholders compelling the business to settle the debt with the bank on the death or permanent disability of any of the shareholders.

Source: Sanlam

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