{"id":41813,"date":"2023-03-28T09:56:23","date_gmt":"2023-03-28T09:56:23","guid":{"rendered":"https:\/\/rdnews.al\/?p=41813"},"modified":"2023-03-28T09:56:23","modified_gmt":"2023-03-28T09:56:23","slug":"cfare-jane-sigurimet-e-pergjegjesise-se-ndertuesit","status":"publish","type":"post","link":"https:\/\/foltore.al\/index.php\/2023\/03\/28\/cfare-jane-sigurimet-e-pergjegjesise-se-ndertuesit\/","title":{"rendered":"\u00c7far\u00eb jan\u00eb Sigurimet e P\u00ebrgjegj\u00ebsis\u00eb s\u00eb Nd\u00ebrtuesit?"},"content":{"rendered":"

\u00c7far\u00eb jan\u00eb Sigurimet e P\u00ebrgjegj\u00ebsis\u00eb s\u00eb Nd\u00ebrtuesit? Dilema mes detyrimit t\u00eb institucioneve dhe domosdoshm\u00ebris\u00eb p\u00ebr mbrojtjen e pal\u00ebve t\u00eb treta nga d\u00ebmet gjat\u00eb investimit<\/strong><\/p>\n

Kostoja e tyre mjaft e ul\u00ebt krahasuar me rrezikun q\u00eb marrin p\u00ebrsip\u00ebr.<\/em><\/strong><\/p>\n

Nga Avni Ponari*<\/em><\/strong><\/p>\n

\u00cbsht\u00eb folur shum\u00eb p\u00ebr aksidente dhe ngjarje t\u00eb ndodhura n\u00eb nj\u00eb ekonomi ve\u00e7an\u00ebrisht n\u00eb sektorin e nd\u00ebrtimit, q\u00eb po zhvillohet me ritme shum\u00eb t\u00eb shpejta.<\/p>\n

Ajo q\u00eb po nd\u00ebrtohet sot n\u00eb t\u00eb gjith\u00eb Shqip\u00ebrin\u00eb \u00ebsht\u00eb me t\u00eb v\u00ebrtet\u00eb gjigande, me investime q\u00eb mund t\u00eb jen\u00eb 4-5 miliard\u00eb euro. K\u00ebtu mund t\u00eb p\u00ebrmendim investimet private n\u00eb nd\u00ebrtimin e pallateve p\u00ebr banim, investimet n\u00eb infrastruktur\u00eb nga buxheti i shtetit, Banka Bot\u00ebrore apo orgnizma t\u00eb tjera financiare.<\/p>\n

Deri n\u00eb vitin 2014 Sigurimi i P\u00ebrgjegj\u00ebsis\u00eb s\u00eb Nd\u00ebrtuesit ishte pothuajse i detyruesh\u00ebm. Mbaj mend q\u00eb, p\u00ebr \u201cRrug\u00ebn e Kombit\u201d dhe sigurin\u00eb e saj u b\u00ebn\u00eb shum\u00eb negociata pasi nd\u00ebrtuesit k\u00ebrkonte me \u00e7do kusht Sigurimin \u201cCAR\u201d (Sigurimi i t\u00eb gjitha rreziqeve n\u00eb nd\u00ebrtim) p\u00ebr t\u00eb gjith\u00eb projektin.<\/p>\n

N\u00eb at\u00eb koh\u00eb u veprua gabim pasi ky sigurim ju dha nj\u00eb kompanie shtet\u00ebrore me pretekstin se gjendja financiare e saj ishte e dob\u00ebt, si\u00e7 u tha n\u00eb at\u00eb koh\u00eb.<\/p>\n

Natyrisht kjo ishte nj\u00eb shkelje pasi pabarazia n\u00eb tendera \u00ebsht\u00eb pabarazi n\u00eb zhvillimin ekonomik t\u00eb tregut q\u00eb nj\u00eb nga parimet ka zhvillimin e konkurrenc\u00ebs dhe hap\u00ebsir\u00ebn p\u00ebr t\u00eb b\u00ebr\u00eb biznes konform rregullave dhe ligjeve.<\/p>\n

Por \u00e7far\u00eb p\u00ebrfshin \u201cCAR\u201d n\u00eb ven\u00e7anti dhe Sigurimi i P\u00ebrgjegj\u00ebsive n\u00eb Nd\u00ebrtim n\u00eb p\u00ebrgjith\u00ebsi?<\/strong><\/p>\n

Ky produkt \u00ebsht\u00eb p\u00ebr t\u00eb gjith\u00eb nd\u00ebrtuesit e pallateve, fabrikave, uzinave, aeroporteve, urave, autostradave. Polica e sigurimit ofron mbulimin n\u00eb sigurim nga t\u00eb gjitha rreziqet p\u00ebr faz\u00ebn e nd\u00ebrtimit t\u00eb objekteve dhe gjithashtu edhe p\u00ebr nj\u00eb afat garancie pas p\u00ebrfundimit t\u00eb punimeve.<\/p>\n

Mbulon t\u00eb gjitha d\u00ebmet e p\u00ebsuara nga i siguruari (kontraktuesi apo n\u00ebnkontraktuesi i punimeve), ashtu edhe d\u00ebmet q\u00eb i siguruari mund t\u2019i shkaktoj\u00eb t\u00eb tret\u00ebve.<\/p>\n

Pra \u00ebsht\u00eb nj\u00eb zgjidhje e r\u00ebnd\u00ebsishme financiare, e cila nuk duhet t\u00eb tolerohet dhe t\u00eb konsiderohet n\u00eb \u00e7do projekt investimi, sado i vog\u00ebl qoft\u00eb ai.<\/p>\n

N\u00eb nj\u00eb analiz\u00eb t\u00eb zhvilluar nga Shoqata e Siguruesve n\u00eb Shqip\u00ebri vihet re se, pjesa m\u00eb e madhe e k\u00ebtyre nd\u00ebrtimeve kan\u00eb pasur aksidente, qoft\u00eb brenda investimit ashtu edhe kundrejt pal\u00ebve t\u00eb treta.<\/p>\n

Por n\u00eb jo pak raste ka patur dhe shtime t\u00eb fondeve p\u00ebr shkak t\u00eb ngjarjeve t\u00eb sigurimit t\u00eb ndodhura gjat\u00eb nd\u00ebrtimit.<\/p>\n

E n\u00eb sa raste ka patur shtesa t\u00eb fondeve p\u00ebr shkak t\u00eb d\u00ebmtimit gjat\u00eb nd\u00ebrtimit. Sa raste aksidentesh njer\u00ebzore, t\u00eb d\u00ebmtuar apo q\u00eb kan\u00eb humbur jet\u00ebn. Pa harruar edhe d\u00ebmet n\u00eb makineri.<\/p>\n

Por a ka p\u00ebrfitues nga ky lloj Sigurimi?<\/strong><\/p>\n

Sigurisht. Mbrohet shteti, investimi dhe investitori. Por jan\u00eb t\u00eb mbrojtura gjithashtu edhe pal\u00ebt e treta q\u00eb mund t\u00eb jen\u00eb prej e aksidenteve t\u00eb ndryshme gjat\u00eb nd\u00ebrtimit.<\/p>\n

At\u00ebher\u00eb, \u00e7far\u00eb ka ndodhur? Pse ky lloj Sigurimi nuk \u00ebsht\u00eb m\u00eb i k\u00ebrkuar nga investitor\u00ebt, qoftshin ata institucione shtet\u00ebtore, private apo nd\u00ebrkombetare?<\/p>\n

Ka shum\u00eb pik\u00ebpyetje por ka dhe nj\u00eb gj\u00eb q\u00eb nuk mund t\u00eb tolerohet.<\/p>\n

N\u00eb t\u00eb gjitha k\u00ebto ngjarje dhe aksidente shteti dhe investitor\u00ebt jan\u00eb humb\u00ebsit m\u00eb t\u00eb m\u00ebdhenj, por edhe individ\u00ebt apo pal\u00ebt e treta t\u00eb d\u00ebmtuara, t\u00eb cil\u00ebt nuk kan\u00eb p\u00ebrfituar asgj\u00eb.<\/p>\n

At\u00ebher\u00eb cila \u00ebsht\u00eb zgjidhja?<\/strong><\/p>\n

Duhet q\u00eb s\u00eb bashku me lejen e nd\u00ebrtimit t\u00eb k\u00ebrkohet edhe ky lloj Sigurimi.<\/p>\n

Sepse n\u00eb asnj\u00eb vend t\u00eb bot\u00ebs nuk mund t\u00eb hedh\u00ebsh nj\u00eb lopat\u00eb pa patur m\u00eb par\u00eb\u00a0 sigurimin ndaj pal\u00ebve t\u00eb treta apo \u2018CAR\u2019.<\/p>\n

*Themelues dhe CEO i SIGAL UNIQA Group Austria n\u00eb Shqip\u00ebri, Kosov\u00eb dhe Maqedonin\u00eb e Veriut<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

\u00c7far\u00eb jan\u00eb Sigurimet e P\u00ebrgjegj\u00ebsis\u00eb s\u00eb Nd\u00ebrtuesit? Dilema mes detyrimit t\u00eb institucioneve dhe domosdoshm\u00ebris\u00eb p\u00ebr mbrojtjen e pal\u00ebve t\u00eb treta nga d\u00ebmet gjat\u00eb investimit Kostoja e tyre mjaft e ul\u00ebt krahasuar me rrezikun q\u00eb marrin p\u00ebrsip\u00ebr. Nga Avni Ponari* \u00cbsht\u00eb folur shum\u00eb p\u00ebr aksidente dhe ngjarje t\u00eb ndodhura n\u00eb nj\u00eb ekonomi ve\u00e7an\u00ebrisht n\u00eb sektorin e …<\/p>\n","protected":false},"author":4,"featured_media":41814,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[40],"tags":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/posts\/41813"}],"collection":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/comments?post=41813"}],"version-history":[{"count":0,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/posts\/41813\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/media\/41814"}],"wp:attachment":[{"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/media?parent=41813"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/categories?post=41813"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/foltore.al\/index.php\/wp-json\/wp\/v2\/tags?post=41813"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}