{"id":1225,"date":"2024-11-12T07:14:32","date_gmt":"2024-11-12T07:14:32","guid":{"rendered":"https:\/\/reliancetz.com\/sw\/?page_id=1225"},"modified":"2025-03-04T09:03:38","modified_gmt":"2025-03-04T09:03:38","slug":"bima-ya-dhima-kwa-jamii","status":"publish","type":"page","link":"https:\/\/reliancetz.com\/sw\/bima-ya-dhima-kwa-jamii\/","title":{"rendered":"Bima ya Dhima kwa jamii"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1225\" class=\"elementor elementor-1225\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-897dc30 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"897dc30\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-739433c\" data-id=\"739433c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7705931 elementor-widget elementor-widget-gva-heading-block\" data-id=\"7705931\" data-element_type=\"widget\" data-widget_type=\"gva-heading-block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"gva-element-gva-heading-block gva-element\">   <div class=\"align-left style-1 widget gsc-heading box-align-left auto-responsive\">\r\n      <div class=\"content-inner\">\r\n         \r\n                  \r\n           \r\n         \r\n                     <h2 class=\"title\">\r\n               <span>Bima ya Dhima kwa jamii<\/span>\r\n            <\/h2>\r\n                  \r\n                     <div class=\"title-desc\">Tunatoa huduma bora za bima<\/div>\r\n         \r\n         \r\n      <\/div>\r\n   <\/div>\r\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c6640ea elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c6640ea\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-919ea17\" data-id=\"919ea17\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f3ea69 elementor-widget elementor-widget-heading\" data-id=\"1f3ea69\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Dhima ya Umma<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc73997 elementor-widget elementor-widget-text-editor\" data-id=\"dc73997\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Hulinda mtu aliyewekewa bima kwa dhima yoyote ya kisheria inayotokana na uharibifu wa majeraha ya mwili, kifo na\/au hasara au uharibifu wa mali ya watu wengine. Hizi zinaweza kujumuisha uharibifu wa mali ya kibinafsi, magari, n.k., ya wageni kwa kuanguka kwa vitu au majeraha kwa wageni yanayotokana na kuanguka kwenye sakafu ya kuteleza.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b0299e elementor-widget elementor-widget-heading\" data-id=\"0b0299e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Mwombaji lazima atoe habari ifuatayo:<\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba27150 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ba27150\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Aina ya biashara<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Anwani ya mahali ulipo<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Idadi ya wafanyikazi ikijumuisha mishahara ya kila mwaka<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ikiwa kuna wakandarasi wadogo<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Hali ya majengo<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Iwapo wakandarasi\/wakandarasi wadogo wanahusika<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Historia ya madai<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-22c1df1\" data-id=\"22c1df1\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4c5995f elementor-widget elementor-widget-heading\" data-id=\"4c5995f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Pata Maelezo Zaidi Hapa!<\/h6>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da1a74f elementor-widget elementor-widget-shortcode\" data-id=\"da1a74f\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f299-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"299\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/sw\/wp-json\/wp\/v2\/pages\/1225#wpcf7-f299-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<div style=\"display: none;\">\n<input type=\"hidden\" name=\"_wpcf7\" value=\"299\" \/>\n<input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.0.2\" \/>\n<input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/>\n<input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f299-o1\" \/>\n<input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/>\n<input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<input type=\"hidden\" name=\"_wpcf7dtx_version\" value=\"5.0.2\" \/>\n<input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/div>\n<div class=\"row\">\n   <div class=\"col-sm-6 col-xs-12\">\n     <span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Jina lako\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n   <\/div>\n   <div class=\"col-sm-6 col-xs-12\">\n     <span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Barua pepe\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n   <\/div>\n<\/div>\n\n<div class=\"row\">\n   <div class=\"col-sm-12 col-xs-12\">\n     <span class=\"wpcf7-form-control-wrap\" data-name=\"your-phone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Namba ya simu\" value=\"\" type=\"tel\" name=\"your-phone\" \/><\/span>\n   <\/div>\n<\/div>\n\n<div class=\"row\">\n   <div class=\"col-sm-12 col-xs-12\">\n     <span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Ujumbe wako (hiari)\" name=\"your-message\"><\/textarea><\/span>\n   <\/div>\n<\/div>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"https:\/\/reliancetz.com\/sw\" type=\"hidden\" name=\"page_url\" \/>\n<span class=\"wpcf7-form-control-wrap page-title\" data-name=\"page-title\"><input type=\"hidden\" name=\"page-title\" class=\"wpcf7-form-control wpcf7-hidden wpcf7dtx wpcf7dtx-hidden\" aria-invalid=\"false\" value=\"Bima ya Dhima kwa jamii\"><\/span>\n<div class=\"row\">\n   <div class=\"col-sm-12 col-xs-12 action text-left\">\n     <input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Wasilisha\" \/>\n   <\/div>\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-27e458c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"27e458c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-661e699\" data-id=\"661e699\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-54e61c2 elementor-widget elementor-widget-spacer\" data-id=\"54e61c2\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ad141d3\" data-id=\"ad141d3\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4823a61 elementor-widget elementor-widget-heading\" data-id=\"4823a61\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Masharti ya madai<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cb04fd elementor-widget elementor-widget-text-editor\" data-id=\"4cb04fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Gharama zote za madai lazima zitumike kwa idhini iliyoandikwa ya kampuni.<\/li><li>Dhima ya bima haitazidi jumla ya bima.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10e28c9 elementor-widget elementor-widget-heading\" data-id=\"10e28c9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mambo ambayo hayatahusu Bima hii<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75a6646 elementor-widget elementor-widget-text-editor\" data-id=\"75a6646\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Tukio lolote nje ya mipaka ya kijiografia.<\/li><li>Kupoteza au kuumia kwa wafanyikazi.<\/li><li>Dhima inayotokana na umiliki au umiliki wa gari lolote linaloendeshwa kimitambo.<\/li><li>Uharibifu au hasara kwa kazi za mkataba<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aec5c86 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aec5c86\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1d8475e\" data-id=\"1d8475e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e4c355 elementor-widget elementor-widget-gva-heading-block\" data-id=\"1e4c355\" data-element_type=\"widget\" data-widget_type=\"gva-heading-block.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"gva-element-gva-heading-block gva-element\">   <div class=\"align-center style-1 widget gsc-heading box-align-left auto-responsive\">\r\n      <div class=\"content-inner\">\r\n         \r\n                  \r\n           \r\n         \r\n                     <h2 class=\"title\">\r\n               <span>Faida kwa atakaeumia Kazini<\/span>\r\n            <\/h2>\r\n                  \r\n                     <div class=\"title-desc\">Hutoa ulinzi kuhusiana na jeraha la mwili kwa ajali au ugonjwa unaosababishwa kwa wafanyakazi wanaotokana na kazi na wakati wa kazi. Jalada ni kama ilivyotolewa chini ya Sheria ya Manufaa ya Jeraha la Kazi ya 2007, kwa kuzingatia sheria na masharti ya sera. Miongozo ya Uandishi:<\/div>\r\n         \r\n         \r\n      <\/div>\r\n   <\/div>\r\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8138b5 elementor-widget elementor-widget-gva-services\" data-id=\"a8138b5\" data-element_type=\"widget\" data-widget_type=\"gva-services.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"gva-element-gva-services gva-element\">\r\n<div class=\"swiper-slider-wrapper gsc-services layout-carousel style-1 \">\r\n   <div class=\"swiper-content-inner\">   \r\n      <div class=\"init-carousel-swiper swiper\" data-carousel=\"{&quot;items&quot;:4,&quot;items_lg&quot;:4,&quot;items_md&quot;:3,&quot;items_sm&quot;:2,&quot;items_xs&quot;:1,&quot;items_xx&quot;:1,&quot;effect&quot;:&quot;slide&quot;,&quot;space_between&quot;:30,&quot;loop&quot;:1,&quot;speed&quot;:1200,&quot;autoplay&quot;:1,&quot;autoplay_delay&quot;:5000,&quot;autoplay_hover&quot;:1,&quot;navigation&quot;:1,&quot;pagination&quot;:0,&quot;dynamic_bullets&quot;:0,&quot;pagination_type&quot;:&quot;bullets&quot;}\">\r\n         <div class=\"swiper-wrapper\">\r\n                           <div class=\"swiper-slide\">\r\n                  \r\n<div class=\"service-one__single\"><div class=\"service-one__content\"><div class=\"service-one__image\"><img decoding=\"async\" src=\"https:\/\/reliancetz.com\/sw\/wp-content\/uploads\/2024\/11\/employe-ocupation.jpg\" alt=\"kazi ya mfanyakazi\"\/><span class=\"service-one__icon\"><i aria-hidden=\"true\" class=\" micon__suitcase\"><\/i><\/span><\/div><div class=\"service-one__content-inner\"><h4 class=\"service-one__title\"><span>kazi ya mfanyakazi<\/span><\/h4><\/div><\/div><\/div>\t\r\n\r\n\r\n\r\n               <\/div>\r\n                           <div class=\"swiper-slide\">\r\n                  \r\n<div class=\"service-one__single\"><div class=\"service-one__content\"><div class=\"service-one__image\"><img decoding=\"async\" src=\"https:\/\/reliancetz.com\/sw\/wp-content\/uploads\/2024\/11\/occupation.jpg\" alt=\"Kazi\/ kiwanda cha mwajiri\"\/><span class=\"service-one__icon\"><i aria-hidden=\"true\" class=\"far fa-building\"><\/i><\/span><\/div><div class=\"service-one__content-inner\"><h4 class=\"service-one__title\"><span>Kazi\/ kiwanda cha mwajiri<\/span><\/h4><\/div><\/div><\/div>\t\r\n\r\n\r\n\r\n               <\/div>\r\n                           <div class=\"swiper-slide\">\r\n                  \r\n<div class=\"service-one__single\"><div class=\"service-one__content\"><div class=\"service-one__image\"><img decoding=\"async\" src=\"https:\/\/reliancetz.com\/sw\/wp-content\/uploads\/2024\/11\/annual-earning.jpg\" alt=\"Kutaja mapato ya mwaka ya wafanyikazi wote\"\/><span class=\"service-one__icon\"><i aria-hidden=\"true\" class=\" las la-bullhorn\"><\/i><\/span><\/div><div class=\"service-one__content-inner\"><h4 class=\"service-one__title\"><span>Kutaja mapato ya mwaka ya wafanyikazi wote<\/span><\/h4><\/div><\/div><\/div>\t\r\n\r\n\r\n\r\n               <\/div>\r\n                           <div class=\"swiper-slide\">\r\n                  \r\n<div class=\"service-one__single\"><div class=\"service-one__content\"><div class=\"service-one__image\"><img decoding=\"async\" src=\"https:\/\/reliancetz.com\/sw\/wp-content\/uploads\/2024\/11\/health-and-safety.jpg\" alt=\"Kuzingatia miongozo ya afya na usalama kazini\"\/><span class=\"service-one__icon\"><i aria-hidden=\"true\" class=\" las la-briefcase-medical\"><\/i><\/span><\/div><div class=\"service-one__content-inner\"><h4 class=\"service-one__title\"><span>Kuzingatia miongozo ya afya na usalama kazini<\/span><\/h4><\/div><\/div><\/div>\t\r\n\r\n\r\n\r\n               <\/div>\r\n                           <div class=\"swiper-slide\">\r\n                  \r\n<div class=\"service-one__single\"><div class=\"service-one__content\"><div class=\"service-one__image\"><img decoding=\"async\" src=\"https:\/\/reliancetz.com\/sw\/wp-content\/uploads\/2024\/11\/precautions-e1731500222837.jpg\" alt=\"Kuchukua tahadhari zinazofaa ili kuepuka majeraha\"\/><span class=\"service-one__icon\"><i aria-hidden=\"true\" class=\" micon__healthy-life\"><\/i><\/span><\/div><div class=\"service-one__content-inner\"><h4 class=\"service-one__title\"><span>Kuchukua tahadhari zinazofaa ili kuepuka majeraha<\/span><\/h4><\/div><\/div><\/div>\t\r\n\r\n\r\n\r\n               <\/div>\r\n                     <\/div> \r\n      <\/div>\r\n   <\/div>   \r\n   <div class=\"swiper-pagination\"><\/div>   <div class=\"swiper-nav-next\"><\/div><div class=\"swiper-nav-prev\"><\/div><\/div>\r\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a7e7087 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a7e7087\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-565d00e\" data-id=\"565d00e\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-079dda8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"079dda8\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-05dbe7a\" data-id=\"05dbe7a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c170a5 elementor-widget elementor-widget-heading\" data-id=\"3c170a5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Masharti ya madai<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-017220b elementor-widget elementor-widget-text-editor\" data-id=\"017220b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Kuripoti mara moja pale inapotokea kesi ya ajali<\/li><li>Kumjulisha Mkurugenzi wa Kazi mara moja<\/li><li>Kamilisha nyaraka husika<\/li><li>Fomu za DOSH zinapatikana kutoka kwa ofisi ya wafanyikazi<\/li><li>Bili halisi za matibabu<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3a13d4e\" data-id=\"3a13d4e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bd41c1a elementor-widget elementor-widget-heading\" data-id=\"bd41c1a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mambo ambayo hayatahusu Bima hii<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73c0bd3 elementor-widget elementor-widget-text-editor\" data-id=\"73c0bd3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Majeraha ya nje ya<\/li><li>Gharama\/manufaa yanayolipwa kutoka kwa bima zingine GPA, NHIF<\/li><li>Majeraha yaliyopatikana nje ya eneo la kijiografia<\/li><li>Wafanyikazi walio chini ya umri wa miaka 16<\/li><li>Gharama\/zawadi kama matokeo ya mashauri mahakamani<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-45aeddd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"45aeddd\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-56b3e7e\" data-id=\"56b3e7e\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-733c04c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"733c04c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-beaa70a\" data-id=\"beaa70a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f94cd7 elementor-widget elementor-widget-heading\" data-id=\"9f94cd7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Wakandarasi<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49cee30 elementor-widget elementor-widget-text-editor\" data-id=\"49cee30\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Wakandarasi mara nyingi wanatakiwa na masharti ya mikataba yao kuwa na bima hii. Bima hii ni kwaajili ya:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3cb3499 elementor-widget elementor-widget-text-editor\" data-id=\"3cb3499\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Uharibifu wa nyenzo kwa kazi za mkataba<\/li><li>Hatari zote kwenye mitambo na mimea<\/li><li>Dhima ya mtu wa tatu inayotokana na utendakazi wa mkataba<\/li><li>Bima hii inaendelea kwa muda wa mkataba pamoja na kipindi cha matengenezo.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0af0949 elementor-widget elementor-widget-heading\" data-id=\"0af0949\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Miongozo ya Uandishi<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27d43bd elementor-widget elementor-widget-text-editor\" data-id=\"27d43bd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Fomu ya pendekezo lazima ijazwe<\/li><li>Maelezo yote lazima yatolewe kuhusu asili ya mkataba k.m. eneo la tovuti<\/li><li>Majina ya wakandarasi wadogo<\/li><li>Maelezo kuhusu wahandisi<\/li><li>Maelezo ya kazi za mkataba<\/li><li>Upanuzi wa wakandarasi<\/li><li>Maelezo kuhusu mazingira halisi ya tovuti<\/li><li>Mipaka ya fidia<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2d92a2b elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"2d92a2b\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-945714f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"945714f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8aaeb82\" data-id=\"8aaeb82\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bebb0a5 elementor-widget elementor-widget-heading\" data-id=\"bebb0a5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mchakato wa Madai<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efcde39 elementor-widget elementor-widget-text-editor\" data-id=\"efcde39\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Katika tukio la madai mwenye bima lazima ajulishe Bima ya Reliance mara moja. Kisha tunamteua mpelelezi kulingana na ukubwa wa dai.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-6fd29b5\" data-id=\"6fd29b5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a4d2414 elementor-widget elementor-widget-heading\" data-id=\"a4d2414\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mambo ambayo hayatahusu Bima hii<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89f4e06 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"89f4e06\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Hatari za vita<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Hatari za nyuklia<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Uzembe wa makusudi kwa waliowekewa bima<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Kusitishwa kwa kazi<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Muundo mbovu<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Nyenzo zenye kasoro<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Kuvaa na kupasuka<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Kuvunjika kwa mitambo ya mpango wa ujenzi<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Magari yaliyopewa leseni ya matumizi ya barabara<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Hasara au uharibifu wa hati zinazohusiana na mkataba, pamoja na pesa taslimu na hundi<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Dhima inayotokana na makubaliano<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-100e45f elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"100e45f\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9c52530\" data-id=\"9c52530\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6f11e3c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6f11e3c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-8fd666f\" data-id=\"8fd666f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9dbcbaf elementor-widget elementor-widget-heading\" data-id=\"9dbcbaf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Malipo ya Kitaalam<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f126bcc elementor-widget elementor-widget-text-editor\" data-id=\"f126bcc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Kwa mujibu wa sifa zao, watu katika taaluma hubeba kiwango cha juu cha wajibu katika sheria kwa wateja wao. Iwapo watashindwa kufikia viwango vinavyotakiwa kwao ili wateja wao wapate hasara ya kifedha kwa sababu hiyo, wanaweza kujikuta wakiwajibika kufidia hasara hii. Hali hii imetokeza hitaji la ulinzi, ambalo linaweza kutolewa na aina maalum ya bima inayojulikana kama &#8220;MALIPO YA KITAALAMU&#8221;. Mtaalamu ambaye anaweza kufunikwa ni pamoja na: &#8211;<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1eb71e2 elementor-widget elementor-widget-text-editor\" data-id=\"1eb71e2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Wakaguzi\/Wahasibu\/Washauri wa Ushuru\/Wahasibu<\/li><li>Mawakili\/Notarier<\/li><li>Wahandisi wa Ujenzi na Ujenzi<\/li><li>Wakadiriaji wa Kiasi\/Wapima Ardhi<\/li><li>Wathamini\/Washauri wa Mali<\/li><li>Wasanifu majengo<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d0c5134\" data-id=\"d0c5134\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8757ca8 elementor-widget elementor-widget-image\" data-id=\"8757ca8\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"835\" height=\"784\" src=\"https:\/\/reliancetz.com\/sw\/wp-content\/uploads\/2024\/11\/Professional-Indemnity1-e1731503043688.jpg\" class=\"attachment-full size-full wp-image-1506\" alt=\"\" srcset=\"https:\/\/reliancetz.com\/sw\/wp-content\/uploads\/2024\/11\/Professional-Indemnity1-e1731503043688.jpg 835w, https:\/\/reliancetz.com\/sw\/wp-content\/uploads\/2024\/11\/Professional-Indemnity1-e1731503043688-768x721.jpg 768w, https:\/\/reliancetz.com\/sw\/wp-content\/uploads\/2024\/11\/Professional-Indemnity1-e1731503043688-600x563.jpg 600w\" sizes=\"(max-width: 835px) 100vw, 835px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0ab0263 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0ab0263\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-f1dd3cc\" data-id=\"f1dd3cc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e34b21d elementor-widget elementor-widget-heading\" data-id=\"e34b21d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Muendelezo<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3410a7 elementor-widget elementor-widget-text-editor\" data-id=\"d3410a7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Upotevu wa bima ya hati unaweza kutolewa kwa nyongeza ya 10% ya malipo ya kimsingi<\/li><li>Ukosefu wa uaminifu wa wafanyikazi kwa nyongeza ya 10% ya malipo ya kimsingi<\/li><li>Washirika wanaoingia na wanaotoka kwa nyongeza ya 20% ya malipo ya kimsingi<\/li><li>Kashfa na kashfa kwa nyongeza ya 20% ya malipo ya kimsingi.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-245a80b\" data-id=\"245a80b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-00d9742 elementor-widget elementor-widget-heading\" data-id=\"00d9742\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mambo ambayo hayatahusu Bima hii\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cbd924 elementor-widget elementor-widget-text-editor\" data-id=\"7cbd924\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Mawakala wa Usafirishaji na Usafirishaji na Forodha<\/li><li>Shughuli za kigeni za Wahasibu wa Kitaifa Mbalimbali<\/li><li>Upasuaji wa Plastiki na Benki za Damu<\/li><li>AFYA na Utafiti wa Biolojia<\/li><li>Uharibifu wa maumbile unaohusishwa na X-ray na vifaa vingine vya mionzi.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-852e2fb\" data-id=\"852e2fb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fc63647 elementor-widget elementor-widget-heading\" data-id=\"fc63647\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Miongozo ya Uandishi<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-484e763 elementor-widget elementor-widget-text-editor\" data-id=\"484e763\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Kukubalika kunategemea:<\/li><li>Fomu ya pendekezo iliyokamilishwa kwa njia ya kuridhisha<\/li><li>Historia ya madai<\/li><li>Vigezo<\/li><li>Uzoefu (mahitaji ya kawaida ni kwamba mpendekeza amekuwa katika mazoezi ya kibinafsi kwa angalau miaka mitatu)<\/li><li>Idadi ya anwani ambazo mpendekezaji hubeba mazoezi.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bc83c1d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bc83c1d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8aaf6de\" data-id=\"8aaf6de\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3378dc0 elementor-widget elementor-widget-heading\" data-id=\"3378dc0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Dhima ya Waajiri<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-539899d elementor-widget elementor-widget-text-editor\" data-id=\"539899d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Hutoa bima dhidi ya dhima ya kisheria chini ya sheria ya kawaida kwa uharibifu na gharama za wadai na gharama za kesi kuhusiana na jeraha la mwili kwa ajali au ugonjwa kwa wafanyikazi wanaotokana na wakati wa uajiri wao unaohusiana moja kwa moja na uvunjaji wa sheria ya kawaida au wajibu wa kisheria.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4a355bc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a355bc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-658ef3f\" data-id=\"658ef3f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-901006d elementor-widget elementor-widget-heading\" data-id=\"901006d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Miongozo ya Uandishi<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6fbd9b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f6fbd9b\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Kukubalika kunategemea<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Fomu ya pendekezo iliyokamilishwa kwa njia ya kuridhisha<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Historia ya madai<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Vigezo<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Uzoefu (mahitaji ya kawaida ni kwamba mpendekeza amekuwa katika mazoezi ya kibinafsi kwa angalau miaka mitatu)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Idadi ya anwani ambazo mpendekezaji hubeba mazoezi.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-dd26ab9\" data-id=\"dd26ab9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7c0132e elementor-widget elementor-widget-heading\" data-id=\"7c0132e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Masharti ya madai<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0960771 elementor-widget elementor-widget-text-editor\" data-id=\"0960771\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Kujulisha Bima ya Reliance mara moja katika kesi ya ajali<\/li><li>Sambaza barua zozote za Wahusika wa Tatu au wito wa korti (bila kujibiwa) kwa Reliance mara baada ya kupokelewa.<\/li><li>Usikubali dhima<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-148fb13\" data-id=\"148fb13\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e792c92 elementor-widget elementor-widget-heading\" data-id=\"e792c92\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Vighairi<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a758009 elementor-widget elementor-widget-text-editor\" data-id=\"a758009\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Majeraha ya nje ya kazi<\/li><li>Gharama\/manufaa yanayolipwa kutoka kwa bima zingine GPA, NHIF<\/li><li>Majeraha yanayoendelea nje ya eneo la kijiografia<\/li><li>Wafanyikazi walio chini ya umri wa miaka 16<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-71948c9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"71948c9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-22aea19\" data-id=\"22aea19\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-08337cb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"08337cb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7470b4b\" data-id=\"7470b4b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b408299 elementor-position-left elementor-vertical-align-middle icon-box-left elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"b408299\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon elementor-animation-\">\n\t\t\t\t<i aria-hidden=\"true\" class=\" micon__family-1\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t<span  >\n\t\t\t\t\t\tJe, unahitaji ushauri wa bima na huduma?\t\t\t\t\t<\/span>\n\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f8c8547\" data-id=\"f8c8547\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5c72082 elementor-widget__width-auto elementor-widget elementor-widget-html\" data-id=\"5c72082\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<a class=\"btn-white btn-medium\" href=\"https:\/\/reliancetz.com\/sw\/contact\/\">\n    Wasiliana nasi \n<\/a>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Bima ya Dhima kwa jamii Tunatoa huduma bora za bima Dhima ya Umma Hulinda mtu aliyewekewa bima kwa dhima yoyote ya kisheria inayotokana na uharibifu wa majeraha ya mwili, kifo [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1225","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bima ya Dhima kwa jamii - Reliance<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bima ya Dhima kwa jamii - Reliance\" \/>\n<meta property=\"og:description\" content=\"Bima ya Dhima kwa jamii Tunatoa huduma bora za bima Dhima ya Umma Hulinda mtu aliyewekewa bima kwa dhima yoyote ya kisheria inayotokana na uharibifu wa majeraha ya mwili, kifo [&hellip;]\" \/>\n<meta property=\"og:url\" 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