{"id":388,"date":"2026-04-30T08:17:41","date_gmt":"2026-04-30T08:17:41","guid":{"rendered":"https:\/\/www.wataniya.com.sa\/blog\/?p=388"},"modified":"2026-05-04T08:12:02","modified_gmt":"2026-05-04T08:12:02","slug":"%d8%a3%d8%b3%d8%a7%d8%b3%d9%8a%d8%a7%d8%aa-%d8%a7%d9%84%d8%aa%d8%a3%d9%85%d9%8a%d9%86-%d9%84%d9%84%d8%b4%d8%b1%d9%83%d8%a7%d8%aa-%d8%a7%d9%84%d9%86%d8%a7%d8%b4%d8%a6%d8%a9-%d9%81%d9%8a-%d8%a7%d9%84","status":"publish","type":"post","link":"https:\/\/www.wataniya.com.sa\/blog\/ar\/%d8%a3%d8%b3%d8%a7%d8%b3%d9%8a%d8%a7%d8%aa-%d8%a7%d9%84%d8%aa%d8%a3%d9%85%d9%8a%d9%86-%d9%84%d9%84%d8%b4%d8%b1%d9%83%d8%a7%d8%aa-%d8%a7%d9%84%d9%86%d8%a7%d8%b4%d8%a6%d8%a9-%d9%81%d9%8a-%d8%a7%d9%84\/","title":{"rendered":"\u0623\u0633\u0627\u0633\u064a\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629"},"content":{"rendered":"<h1><b>\u0623\u0633\u0627\u0633\u064a\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/b><\/h1>\n<p><span style=\"font-weight: 400;\">\u0628\u062f\u0621 \u0639\u0645\u0644 \u062a\u062c\u0627\u0631\u064a \u0647\u0648 \u062a\u062c\u0631\u0628\u0629 \u062a\u062d\u062f\u064a\u062b \u0644\u0643\u0646\u0647\u0627 \u0645\u062c\u0632\u064a\u0629. \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c \u0641\u0625\u0646 \u0627\u0644\u062a\u0646\u0642\u0644 \u0641\u064a \u0639\u0627\u0644\u0645 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u064a\u062d\u0645\u0644 \u062a\u062d\u062f\u064a\u0627\u062a\u0647 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\u0648\u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0625\u0644\u0649 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0648\u0627\u0644\u0645\u062e\u0627\u0648\u0641 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0645\u0646\u0639 \u0648\u062c\u0648\u062f \u062a\u063a\u0637\u064a\u0629 \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0645\u0646\u0627\u0633\u0628\u0629 \u0647\u0630\u0647 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0645\u0646 \u0623\u0646 \u062a\u0635\u0628\u062d \u0639\u0642\u0628\u0627\u062a \u0643\u0628\u064a\u0631\u0629.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a:<\/b><span style=\"font-weight: 400;\"> \u064a\u0648\u0641\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u060c \u0645\u0645\u0627 \u064a\u0636\u0645\u0646 \u062a\u0648\u0641\u0631 \u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0644\u0644\u062a\u0639\u0627\u0641\u064a \u0641\u064a \u062d\u0627\u0644 \u062d\u062f\u0648\u062b \u0623\u064a \u0645\u0634\u0643\u0644\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644:<\/b><span style=\"font-weight: 400;\"> \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a\u060c \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u064a\u0633 \u0645\u062c\u0631\u062f \u062e\u064a\u0627\u0631\u2014 \u0628\u0644 \u0647\u0648 \u0645\u062a\u0637\u0644\u0628 \u0623\u0633\u0627\u0633\u064a. \u0633\u0648\u0627\u0621 \u0643\u0627\u0646 \u0630\u0644\u0643 \u0644\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0623\u0648 \u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u0645\u0648\u064a\u0644\u060c \u0641\u0625\u0646 \u0648\u062c\u0648\u062f \u062a\u063a\u0637\u064a\u0629 \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0645\u0646\u0627\u0633\u0628\u0629 \u064a\u0639\u062f \u0623\u0645\u0631\u0627 \u0636\u0631\u0648\u0631\u064a\u0627.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0627\u0633\u062a\u0645\u0631\u0627\u0631\u064a\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644:<\/b><span style=\"font-weight: 400;\"> \u0641\u064a \u062d\u0627\u0644 \u0648\u0642\u0648\u0639 \u0643\u0627\u0631\u062b\u0629 \u0623\u0648 \u062d\u0627\u0644\u0629 \u063a\u064a\u0631 \u0645\u062a\u0648\u0642\u0639\u0629\u060c \u064a\u0633\u0627\u0639\u062f\u0643 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 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\u0644\u0634\u0631\u0643\u062a\u0643 \u0627\u0644\u0646\u0627\u0634\u0626\u0629. \u0648\u0645\u0639 \u0630\u0644\u0643\u060c \u0647\u0646\u0627\u0643 \u0628\u0639\u0636 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u062c\u0628 \u0623\u062e\u0630\u0647\u0627 \u0628\u0639\u064a\u0646 \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631.<\/span><\/p>\n<h3><b>1. \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0639\u0627\u0645\u0629<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u064a\u064f\u0639\u062f \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0639\u0627\u0645\u0629 \u0645\u0646 \u0623\u0643\u062b\u0631 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0634\u064a\u0648\u0639\u0627\u064b<\/span> <span style=\"font-weight: 400;\">\u0627\u0644\u0630\u064a \u064a\u062c\u0628 \u0623\u0646 \u064a\u062a\u0648\u0641\u0631 \u0644\u062f\u0649 \u0643\u0644 \u0634\u0631\u0643\u0629 \u0646\u0627\u0634\u0626\u0629. \u062a\u063a\u0637\u064a \u0647\u0630\u0647 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0648\u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0625\u0630\u0627 \u062b\u0628\u062a\u062a \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0634\u0631\u0643\u062a\u0643 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0639\u0646 \u0625\u0635\u0627\u0628\u0627\u062a \u0623\u0648 \u0623\u0636\u0631\u0627\u0631 \u0628\u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0623\u0648 \u062d\u0648\u0627\u062f\u062b \u0623\u062e\u0631\u0649 \u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0629.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0648\u062c\u0648\u062f<\/span><a href=\"https:\/\/www.wataniya.com.sa\/Wataniya_Home\/CorporateLiabilityInsurance\"> <span style=\"font-weight: 400;\">\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0639\u0627\u0645\u0629<\/span><\/a> <span style=\"font-weight: 400;\">\u00a0\u064a\u0633\u0627\u0639\u062f \u0641\u064a \u062d\u0645\u0627\u064a\u0629 \u0634\u0631\u0643\u062a\u0643 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0645\u0646 \u0627\u0644\u062f\u0639\u0627\u0648\u0649 \u0627\u0644\u0642\u0636\u0627\u0626\u064a\u0629 \u0623\u0648 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629 \u0645\u0646 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0623\u0648 \u0627\u0644\u0645\u0648\u0631\u062f\u064a\u0646 \u0623\u0648 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646.<\/span><\/p>\n<p><b>\u0644\u0645\u0627\u0630\u0627 \u0647\u0630\u0627 \u0645\u0647\u0645:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u063a\u0637\u064a \u0627\u0644\u0625\u0635\u0627\u0628\u0627\u062a \u0627\u0644\u062c\u0633\u062f\u064a\u0629 \u0623\u0648 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0627\u0644\u0646\u0627\u062a\u062c\u0629 \u0639\u0646 \u0645\u0646\u062a\u062c\u0627\u062a\u0643 \u0623\u0648 \u062e\u062f\u0645\u0627\u062a\u0643.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0648\u0641\u0631 \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0641\u064a \u062d\u0627\u0644 \u0648\u062c\u0648\u062f \u062f\u0639\u0648\u0649 \u0642\u0636\u0627\u0626\u064a\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0633\u0627\u0639\u062f \u0641\u064a \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0633\u0645\u0639\u0629 \u0639\u0645\u0644\u0643 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0646\u0632\u0627\u0639\u0627\u062a \u0628\u0643\u0641\u0627\u0621\u0629.<\/span><\/li>\n<\/ul>\n<h3><b>2. \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0627\u0644\u062a\u064a \u0644\u062f\u064a\u0647\u0627 \u0645\u0643\u062a\u0628 \u0645\u0627\u062f\u064a \u0623\u0648 \u0645\u0648\u0642\u0639 \u062a\u062c\u0632\u0626\u0629\u060c \u0641\u0625\u0646 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627<\/span><span style=\"font-weight: 400;\">\u062a \u064a\u0639\u062f \u0623\u0645\u0631 \u0636\u0631\u0648\u0631\u064a\u0627\u064b \u0644\u0647\u0627<\/span><span style=\"font-weight: 400;\">. \u062a\u062d\u0645\u064a \u0647\u0630\u0647 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0639\u0645\u0644\u0643 \u2014 \u0645\u062b\u0644 \u0645\u0643\u062a\u0628\u0643 \u0623\u0648 \u0645\u0639\u062f\u0627\u062a\u0643 \u0623\u0648 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0623\u0648 \u0627\u0644\u0623\u062b\u0627\u062b \u2014 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0623\u0648 \u0627\u0644\u0633\u0631\u0642\u0629 \u0623\u0648 \u0627\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629.<\/span><\/p>\n<p><b>\u0646\u0642\u0627\u0637 \u0631\u0626\u064a\u0633\u064a\u0629:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0634\u0645\u0644 \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0645\u0627\u062f\u064a\u0629\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0627\u0644\u0645\u0628\u0627\u0646\u064a \u0648\u0627\u0644\u0645\u0639\u062f\u0627\u062a \u0627\u0644\u0645\u0643\u062a\u0628\u064a\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u063a\u0637\u064a \u0645\u0646 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0646\u0627\u062a\u062c\u0629 \u0639\u0646 \u0627\u0644\u0623\u062d\u062f\u0627\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629\u060c \u0645\u062b\u0644 \u0627\u0644\u062d\u0631\u064a\u0642 \u0623\u0648 \u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0623\u0648 \u0627\u0644\u0632\u0644\u0627\u0632\u0644.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0636\u0631\u0648\u0631\u064a\u0627\u064b <\/span><span style=\"font-weight: 400;\">\u00a0\u0644\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062a\u064a \u062a\u0639\u0645\u0644 \u0645\u0646 \u0645\u0648\u0642\u0639 \u0641\u0639\u0644\u064a.<\/span><\/li>\n<\/ul>\n<h3><b>3. \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0627\u0644\u062a\u064a \u062a\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u0639\u0645\u0644\u0627\u0621 \u0639\u0644\u0649 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0648 \u062a\u0644\u0643 \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645 \u0634\u0631\u0648\u0637 \u062f\u0641\u0639 \u0623\u0646 \u062a\u0641\u0643\u0631 \u0641\u064a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646, \u064a\u0633\u0627\u0639\u062f \u0647\u0630\u0627 \u0627\u0644\u0646\u0648\u0639 \u0645\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u062d\u0645\u0627\u064a\u0629 \u0639\u0645\u0644\u0643 \u0645\u0646 \u0645\u062e\u0627\u0637\u0631 \u0639\u062f\u0645 \u0627\u0644\u062f\u0641\u0639 \u0623\u0648 \u0627\u0644\u0625\u0641\u0644\u0627\u0633 \u0645\u0646 \u0642\u0628\u0644 \u0627\u0644\u0639\u0645\u0644\u0627\u0621. \u064a\u0636\u0645\u0646 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 \u0623\u0646 \u0634\u0631\u0643\u062a\u0643 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0644\u0646 \u062a\u062a\u0643\u0628\u062f \u062e\u0633\u0627\u0626\u0631 \u0645\u0627\u0644\u064a\u0629 \u0643\u0628\u064a\u0631\u0629 \u0625\u0630\u0627 \u062a\u062e\u0644\u0641 \u0627\u0644\u0639\u0645\u064a\u0644 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f.<\/span><\/p>\n<p><b>\u0641\u0648\u0627\u0626\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u062d\u0645\u064a \u0645\u0646 \u0639\u062f\u0645 \u0633\u062f\u0627\u062f \u0627\u0644\u0641\u0648\u0627\u062a\u064a\u0631.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0633\u0627\u0639\u062f \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0639\u0644\u0649 \u062a\u0623\u0645\u064a\u0646 \u062a\u0645\u0648\u064a\u0644 \u0623\u0641\u0636\u0644 \u0645\u0646 \u062e\u0644\u0627\u0644 \u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u064a\u0633\u0627\u0639\u062f \u0641\u064a \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0627\u0633\u062a\u0642\u0631\u0627\u0631 \u0627\u0644\u062a\u062f\u0641\u0642 \u0627\u0644\u0646\u0642\u062f\u064a.<\/span><\/li>\n<\/ul>\n<h2><b>\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0644\u0645\u0648\u0638\u0641\u064a\u0646:<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">\u0648\u0627\u062d\u062f\u0629 \u0645\u0646 \u0623\u0639\u0638\u0645 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0645\u062a\u0644\u0643\u0647\u0627 \u0623\u064a \u0634\u0631\u0643\u0629 \u0646\u0627\u0634\u0626\u0629 \u0647\u064a \u0627\u0644\u0642\u0648\u0649 \u0627\u0644\u0639\u0627\u0645\u0644\u0629 \u0644\u062f\u064a\u0647\u0627. \u062a\u0642\u062f\u064a\u0645 \u0645\u0632\u0627\u064a\u0627 \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0644\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0644\u064a\u0633 \u0641\u0642\u0637 \u0648\u0633\u064a\u0644\u0629 \u0631\u0627\u0626\u0639\u0629 \u0644\u062c\u0630\u0628 \u0623\u0641\u0636\u0644 \u0627\u0644\u0645\u0648\u0627\u0647\u0628\u060c \u0628\u0644 \u0647\u0648 \u0623\u064a\u0636\u0627 \u0636\u0631\u0648\u0631\u0629 \u0628\u0645\u0648\u062c\u0628 \u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0639\u0645\u0644 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629.<\/span><\/p>\n<h3><b>1. \u062a\u0623\u0645\u064a\u0646 <\/b><b>\u0625\u0635\u0627\u0628\u0627\u062a \u0627\u0644\u0639\u0645\u0644 (\u0639\u0628\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u0627\u062a \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 &#8211; GOSI)<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c \u064a\u062a\u0645 \u062a\u0648\u0641\u064a\u0631 \u062a\u063a\u0637\u064a\u0629 \u0625\u0635\u0627\u0628\u0627\u062a \u0627\u0644\u0639\u0645\u0644 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0646\u0638\u0627\u0645 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u0627\u062a \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a\u0629 (GOSI)\u060c \u0648\u0627\u0644\u0630\u064a \u064a\u063a\u0637\u064a \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0637\u0628\u064a\u0629 \u0648\u0627\u0644\u062a\u0639\u0648\u064a\u0636\u0627\u062a \u0641\u064a \u062d\u0627\u0644 \u062a\u0639\u0631\u0636 \u0627\u0644\u0645\u0648\u0638\u0641 \u0644\u0625\u0635\u0627\u0628\u0629 \u0623\u0648 \u0645\u0631\u0636 \u0646\u0627\u062a\u062c \u0639\u0646 \u0627\u0644\u0639\u0645\u0644.)<\/span><\/p>\n<h3><b>2. \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0635\u062d\u064a<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u062a\u064f\u0644\u0632\u0645 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0639\u0645\u0644 \u0628\u062a\u0648\u0641\u064a\u0631 \u062a\u0623\u0645\u064a\u0646 \u0635\u062d\u064a \u0644\u0645\u0648\u0638\u0641\u064a\u0647\u0645 \u0648 \u062a\u0634\u0645\u0644 \u0647\u0630\u0647 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0637\u0628\u064a\u0629\u060c \u0648\u0627\u0644\u0625\u0642\u0627\u0645\u0629 \u0641\u064a \u0627\u0644\u0645\u0633\u062a\u0634\u0641\u0649\u060c \u0648\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0623\u062e\u0631\u0649 \u062a\u062a\u0639\u0644\u0642 \u0628\u0627\u0644\u0631\u0639\u0627\u064a\u0629 \u0627\u0644\u0635\u062d\u064a\u0629. \u0648\u062c\u0648\u062f \u0628\u0648\u0644\u064a\u0635\u0629 \u062a\u0623\u0645\u064a\u0646 \u0635\u062d\u064a \u0645\u0646\u0627\u0633\u0628\u0629 \u064a\u0636\u0645\u0646 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0642\u0648\u0627\u0646\u064a\u0646 \u0627\u0644\u0639\u0645\u0644 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u064a\u0632\u064a\u062f \u0645\u0646 \u0631\u0636\u0627 \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646.<\/span><\/p>\n<p><b>\u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0646\u0627\u0633\u0628 \u0644\u0645\u0634\u0631\u0648\u0639\u0643 \u0627\u0644\u0646\u0627\u0634\u0626<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0646\u0627\u0633\u0628 \u0644\u0645\u0634\u0631\u0648\u0639\u0643 \u0627\u0644\u0646\u0627\u0634\u0626 \u0642\u062f \u064a\u0643\u0648\u0646 \u0645\u0639\u0642\u062f\u0627\u064b. \u0645\u0646 \u0627\u0644\u0636\u0631\u0648\u0631\u064a \u062a\u0642\u064a\u064a\u0645 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u062a\u064a \u064a\u0648\u0627\u062c\u0647\u0647\u0627 \u0639\u0645\u0644\u0643 \u062b\u0645 \u062a\u062d\u062f\u064a\u062f \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u062d\u0645\u064a\u0647\u0627 \u0628\u0623\u0641\u0636\u0644 \u0634\u0643\u0644.<\/span><\/p>\n<p><b>\u0634\u0631\u0643\u0629 \u062a\u0623\u0645\u064a\u0646 \u0645\u0633\u062a\u0642\u0644\u0629 \u0646\u0627\u0634\u0626\u0629: <\/b><span style=\"font-weight: 400;\">\u0641\u0648\u0627\u0626\u062f \u0627\u0644\u0639\u0645\u0644 \u0645\u0639 \u0634\u0631\u0643\u0629 \u062a\u0623\u0645\u064a\u0646 \u0645\u0633\u062a\u0642\u0644\u0629<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u062a\u062e\u062a\u0627\u0631 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0627\u0644\u0639\u0645\u0644 \u0645\u0639 \u0634\u0631\u0643\u0629 \u062a\u0623\u0645\u064a\u0646 \u0645\u0633\u062a\u0642\u0644\u0629. \u064a\u0645\u0643\u0646 \u0644\u0647\u0630\u0647 \u0627\u0644\u0648\u0643\u0627\u0644\u0627\u062a \u0645\u0633\u0627\u0639\u062f\u062a\u0643 \u0641\u064a \u0627\u0644\u062a\u0646\u0642\u0644 \u0628\u064a\u0646 \u062a\u0639\u0642\u064a\u062f\u0627\u062a \u0633\u0648\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u062a\u062e\u0635\u064a\u0635 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0644\u0628\u064a \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0643 \u0627\u0644\u062e\u0627\u0635\u0629.<\/span><\/p>\n<p><b>\u0644\u0645\u0627\u0630\u0627 \u062a\u062e\u062a\u0627\u0631 \u0648\u0643\u0627\u0644\u0629 \u062a\u0623\u0645\u064a\u0646 \u0645\u0633\u062a\u0642\u0644\u0629\u061f<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u062e\u062f\u0645\u0629 \u0634\u062e\u0635\u064a\u0629:<\/b><span style=\"font-weight: 400;\"> \u062a\u0639\u0645\u0644 \u0648\u0643\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0644\u0639\u062b\u0648\u0631 \u0639\u0644\u0649 \u0623\u0641\u0636\u0644 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629 \u0644\u0645\u0634\u0631\u0648\u0639\u0643 \u0627\u0644\u0646\u0627\u0634\u0626.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0646\u0635\u064a\u062d\u0629 \u062e\u0628\u0631\u0627\u0621:<\/b><span style=\"font-weight: 400;\"> \u0644\u062f\u0649 \u0648\u0643\u0627\u0644\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0639\u0631\u0641\u0629 \u0639\u0645\u064a\u0642\u0629 \u0628\u0633\u0648\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u064a\u0645\u0643\u0646\u0647\u0645 \u0625\u0631\u0634\u0627\u062f\u0643 \u0646\u062d\u0648 \u0627\u0644\u0642\u0631\u0627\u0631\u0627\u062a \u0627\u0644\u0635\u062d\u064a\u062d\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0641\u0639\u0627\u0644\u0629 \u0645\u0646 \u062d\u064a\u062b \u0627\u0644\u062a\u0643\u0644\u0641\u0629:<\/b><span style=\"font-weight: 400;\"> \u062a\u0633\u0627\u0639\u062f \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0639\u0644\u0649 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0627\u0644 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0625\u064a\u062c\u0627\u062f \u062e\u064a\u0627\u0631\u0627\u062a \u062a\u063a\u0637\u064a\u0629 \u0634\u0627\u0645\u0644\u0629 \u0648\u0645\u0639\u0642\u0648\u0644\u0629 \u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0648\u0627\u0644\u0623\u0643\u062b\u0631 \u062a\u0648\u0641\u064a\u0631\u0627.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3><b>3. \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u0647\u0646\u064a\u0629 (\u0627\u0644\u0623\u062e\u0637\u0627\u0621 \u0648\u0627\u0644\u0633\u0647\u0648)<\/b><\/h3>\n<p><a href=\"https:\/\/www.wataniya.com.sa\/Wataniya_Home\/CorporateLiabilityInsurance\"><span style=\"font-weight: 400;\">\u064a\u0639\u062f \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u0647\u0646\u064a\u0629<\/span><\/a><span style=\"font-weight: 400;\"> \u0645\u0647\u0645\u0627 \u0628\u0634\u0643\u0644 \u062e\u0627\u0635 \u0644\u0644\u0634\u0631\u0643\u0627\u062a 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\u0627\u0644\u062a\u063a\u0637\u064a\u0629. \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u064a\u0646\u0645\u0648 \u0628\u0633\u0631\u0639\u0629\u060c \u0645\u0645\u0627 \u064a\u062a\u064a\u062d \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0645\u0642\u0627\u0631\u0646\u0629 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0648\u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0639\u0631\u0648\u0636 \u0623\u0633\u0639\u0627\u0631 \u0628\u0633\u0631\u0639\u0629.<\/span><\/p>\n<p><b>\u0645\u0632\u0627\u064a\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0627\u0644\u0631\u0627\u062d\u0629:<\/b><span style=\"font-weight: 400;\"> \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0634\u0631\u0627\u0621 \u0628\u0648\u0644\u064a\u0635\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0623\u064a \u0648\u0642\u062a \u0648\u0623\u064a \u0645\u0643\u0627\u0646.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0645\u0642\u0627\u0631\u0646\u0629 \u0633\u0631\u064a\u0639\u0629:<\/b><span style=\"font-weight: 400;\"> \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0627\u0644\u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0633\u0647\u0648\u0644\u0629 \u0628\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0648\u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0644\u0627\u062e\u062a\u064a\u0627\u0631 \u0623\u0641\u0636\u0644 \u062a\u063a\u0637\u064a\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0641\u0639\u0627\u0644\u0629 \u0645\u0646 \u062d\u064a\u062b \u0627\u0644\u062a\u0643\u0644\u0641\u0629:<\/b><span style=\"font-weight: 400;\"> \u063a\u0627\u0644\u0628\u0627 \u0645\u0627 \u062a\u0642\u062f\u0645 \u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0623\u0642\u0633\u0627\u0637\u0627 \u0645\u062e\u0641\u0636\u0629 \u0648\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0645\u0628\u0633\u0637\u0629.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u0645\u0639 \u062a\u0632\u0627\u064a\u062f \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/span><a href=\"https:\/\/wataniya.com.sa\/Wataniya_web\/\"> <span style=\"font-weight: 400;\">\u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/span><\/a><span style=\"font-weight: 400;\">\u060c \u0623\u0635\u0628\u062d\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0642\u0627\u062f\u0631\u0629 \u0627\u0644\u0622\u0646 \u0639\u0644\u0649 \u062d\u0645\u0627\u064a\u0629 \u0646\u0641\u0633\u0647\u0627 \u062f\u0648\u0646 \u0627\u0644\u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0644\u0642\u0627\u0621\u0627\u062a \u0648\u062c\u0647\u0627 \u0644\u0648\u062c\u0647 \u0623\u0648 \u0623\u0648\u0642\u0627\u062a \u0627\u0646\u062a\u0638\u0627\u0631 \u0637\u0648\u064a\u0644\u0629.<\/span><\/p>\n<h2><b>\u0643\u064a\u0641 \u064a\u0645\u0643\u0646\u0646\u0627 \u0645\u0633\u0627\u0639\u062f\u0629 \u0634\u0631\u0643\u062a\u0643 \u0627\u0644\u0646\u0627\u0634\u0626\u0629<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">\u0628\u0635\u0641\u062a\u0647\u0627 \u0645\u0632\u0648\u062f \u062e\u062f\u0645\u0627\u062a\u00a0 \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0645\u0648\u062b\u0648\u0642 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u060c\u00a0 \u062a\u0642\u062f\u0645<\/span><a href=\"https:\/\/wataniya.com.sa\/Wataniya_web\/\"> <span style=\"font-weight: 400;\">\u0634\u0631\u0643\u0629 \u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u062a\u0623\u0645\u064a\u0646<\/span><\/a><span style=\"font-weight: 400;\"> \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0627\u0644\u062d\u0644\u0648\u0644 \u0627\u0644\u0645\u0635\u0645\u0645\u0629 \u062e\u0635\u064a\u0635\u0627 \u0644\u062a\u0644\u0628\u064a\u0629 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629. \u0633\u0648\u0627\u0621 \u0643\u0646\u062a \u062a\u0628\u062d\u062b \u0639\u0646 \u062a\u0623\u0645\u064a\u0646 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0639\u0627\u0645\u0629\u060c \u0623\u0648 \u062a\u0623\u0645\u064a\u0646 \u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0644\u0639\u0645\u0644\u0643\u060c\u00a0 \u064a\u0645\u0643\u0646<\/span><a href=\"https:\/\/wataniya.com.sa\/Wataniya_web\/\"> <span style=\"font-weight: 400;\">\u0644\u0634\u0631\u0643\u0629 \u0648\u0637\u0646\u064a\u0629<\/span><\/a><span style=\"font-weight: 400;\"> \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u062e\u0628\u0631\u0629 \u0648\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0634\u0631\u0643\u062a\u0643 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0639\u0644\u0649 \u0627\u0644\u0627\u0632\u062f\u0647\u0627\u0631.<\/span><\/p>\n<h3><b>\u0644\u0645\u0627\u0630\u0627 \u062a\u062e\u062a\u0627\u0631\u0646\u0627\u061f<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0646\u0635\u0627\u0626\u062d \u062e\u0628\u0631\u0627\u0621:<\/b><span style=\"font-weight: 400;\"> \u0641\u0631\u064a\u0642\u0646\u0627 \u064a\u0641\u0647\u0645 \u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u0641\u0631\u064a\u062f\u0629 \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647\u0647\u0627 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0648\u064a\u0645\u0643\u0646\u0647\u0645 \u0625\u0631\u0634\u0627\u062f\u0643 \u0646\u062d\u0648 \u0627\u0644\u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0627\u0644\u0645\u0646\u0627\u0633\u0628\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u062d\u0644\u0648\u0644 \u0645\u062e\u0635\u0635\u0629:<\/b><span style=\"font-weight: 400;\"> \u0646\u0642\u062f\u0645 \u0628\u0648\u0644\u064a\u0635\u0627\u062a \u0645\u062e\u0635\u0635\u0629 \u0644\u0636\u0645\u0627\u0646 \u062d\u0635\u0648\u0644 \u0639\u0645\u0644\u0643 \u0639\u0644\u0649 \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u062d\u062a\u0627\u062c\u0647\u0627 \u0628\u0627\u0633\u0639\u0627\u0631 \u062a\u0646\u0627\u0641\u0633\u064a\u0629.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0634\u0627\u0645\u0644\u0629:<\/b><span style=\"font-weight: 400;\"> \u0645\u0646 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0648\u0627\u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0625\u0644\u0649 \u062a\u0639\u0648\u064a\u0636\u0627\u062a \u0627\u0644\u0639\u0645\u0627\u0644 \u0648\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u060c \u0646\u063a\u0637\u064a \u062c\u0645\u064a\u0639 \u0627\u0644\u062c\u0648\u0627\u0646\u0628.<\/span><\/li>\n<\/ul>\n<h2><b>\u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629<\/b><\/h2>\n<h4><span style=\"font-weight: 400;\">1. \u0644\u0645\u0627\u0630\u0627 \u064a\u0639\u062a\u0628\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0647\u0645\u0627\u064b \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u061f<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u0631\u0648\u0631\u064a \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0644\u0623\u0646\u0647 \u064a\u062d\u0645\u064a \u0639\u0645\u0644\u0643 \u0645\u0646 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0646\u0627\u062a\u062c\u0629 \u0639\u0646 \u0638\u0631\u0648\u0641 \u063a\u064a\u0631 \u0645\u062a\u0648\u0642\u0639\u0629\u060c \u0645\u062b\u0644 \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a\u060c \u0627\u0644\u062f\u0639\u0627\u0648\u0649 \u0627\u0644\u0642\u0636\u0627\u0626\u064a\u0629\u060c \u0623\u0648 \u0625\u0635\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646. \u0648\u064a\u0633\u0627\u0639\u062f \u0641\u064a \u0627\u0633\u062a\u0645\u0631\u0627\u0631\u064a\u0629 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0648\u064a\u0633\u0627\u0639\u062f \u0641\u064a \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u060c \u0648\u064a\u0648\u0641\u0631 \u0623\u0645\u0627\u0646\u0627 \u0645\u0627\u0644\u064a\u0627 \u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u062d\u062a\u0645\u0644\u0629.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">2. \u0645\u0627 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062a\u064a \u062a\u062d\u062a\u0627\u062c\u0647\u0627 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629\u061f<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u064a\u062c\u0628 \u0639\u0644\u0649 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0627\u0644\u0646\u0638\u0631 \u0641\u064a \u0639\u062f\u0629 \u0623\u0646\u0648\u0627\u0639 \u0645\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0645\u0646\u0647\u0627:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629<\/b><a href=\"https:\/\/www.wataniya.com.sa\/Wataniya_Home\/CorporateLiabilityInsurance\"><b> \u0627\u0644\u0639\u0627\u0645\u0629<\/b><\/a> <span style=\"font-weight: 400;\">\u00a0\u2013 \u0644\u0644\u062d\u0645\u0627\u064a\u0629 \u0645\u0646 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u0625\u0635\u0627\u0628\u0627\u062a \u0627\u0644\u062c\u0633\u062f\u064a\u0629 \u0623\u0648 \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a<\/b><span style=\"font-weight: 400;\"> \u2013 \u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u062a\u064a \u062a\u0644\u062d\u0642 \u0628\u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0645\u062b\u0644 \u0645\u0628\u0627\u0646\u064a \u0627\u0644\u0645\u0643\u0627\u062a\u0628 \u0623\u0648 \u0627\u0644\u0645\u0639\u062f\u0627\u062a.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u062a\u0623\u0645\u064a\u0646 \u062a\u0639\u0648\u064a\u0636\u0627\u062a \u0627\u0644\u0639\u0645\u0627\u0644<\/b><span style=\"font-weight: 400;\"> \u2013 <\/span><span style=\"font-weight: 400;\">\u00a0\u064a<\/span><span style=\"font-weight: 400;\">\u063a\u0637\u064a \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0637\u0628\u064a\u0629 \u0648 \u0627\u0644\u062a\u0639\u0648\u064a\u0636\u0627\u062a \u0644\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0641\u064a \u062d\u0627\u0644 \u0625\u0635\u0627\u0628\u062a\u0647\u0645 \u0623\u062b\u0646\u0627\u0621 \u0627\u0644\u0639\u0645\u0644.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646<\/b><span style=\"font-weight: 400;\"> \u2013 \u0644\u0644\u062d\u0645\u0627\u064a\u0629 \u0645\u0646 \u0645\u062e\u0627\u0637\u0631 \u0639\u062f\u0645 \u062f\u0641\u0639 \u0627\u0644\u0639\u0645\u064a\u0644.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0635\u062d\u064a<\/b><span style=\"font-weight: 400;\"> \u2013 \u0643\u0645\u0627 \u064a\u0642\u062a\u0636\u064a\u0647 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0633\u0639\u0648\u062f\u064a \u0644\u0644\u0645\u0648\u0638\u0641\u064a\u0646.<\/span><\/li>\n<\/ul>\n<h4><span style=\"font-weight: 400;\">3. \u0647\u0644 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a \u0636\u0631\u0648\u0631\u064a \u0644\u0645\u0634\u0631\u0648\u0639\u0643 \u0627\u0644\u0646\u0627\u0634\u0626\u061f<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0634\u0631\u0643\u062a\u0643 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u062a\u0642\u062f\u0645 \u0627\u0626\u062a\u0645\u0627\u0646\u0627 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u060c \u064a\u064f\u0646\u0635\u062d \u0628\u0634\u062f\u0629 \u0628\u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062a\u0623\u0645\u064a\u0646 \u0627\u0626\u062a\u0645\u0627\u0646. \u064a\u0633\u0627\u0639\u062f \u0630\u0644\u0643 \u0641\u064a \u062a\u0642\u0644\u064a\u0644 \u0645\u062e\u0627\u0637\u0631 \u0639\u062f\u0645 \u0627\u0644\u062f\u0641\u0639\u060c \u0645\u0645\u0627 \u064a\u0633\u0627\u0639\u062f \u0641\u064a \u062a\u0642\u0644\u064a\u0644 \u062a\u0639\u0631\u0636 \u0639\u0645\u0644\u0643<\/span> <span style=\"font-weight: 400;\">\u0644\u0636\u063a\u0648\u0637 \u0645\u0627\u0644\u064a\u0629 \u0625\u0630\u0627 \u062a\u062e\u0644\u0641 \u0627\u0644\u0639\u0645\u064a\u0644 \u0639\u0646 \u0627\u0644\u0633\u062f\u0627\u062f. \u062a\u0633\u0627\u0639\u062f \u0647\u0630\u0647 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0641\u064a \u0627\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u062a\u062f\u0641\u0642 \u0646\u0642\u062f\u064a \u0645\u0633\u062a\u0642\u0631 \u0648\u062a\u062d\u0645\u064a \u0639\u0645\u0644\u0643 \u0645\u0646 \u0627\u0644\u062e\u0633\u0627\u0626\u0631.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">4. \u0647\u0644 \u064a\u0645\u0643\u0646\u0646\u064a \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062a\u0623\u0645\u064a\u0646 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400;\">\u0644\u0643 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a<\/span><\/a><span style=\"font-weight: 400;\"> \u0627\u0644\u062d\u0635\u0648\u0644 \u0628\u0633\u0631\u0639\u0629 \u0639\u0644\u0649 \u0639\u0631\u0648\u0636 \u0627\u0644\u0623\u0633\u0639\u0627\u0631\u060c \u0648\u0634\u0631\u0627\u0621 \u0627\u0644\u062a\u063a\u0637\u064a\u0629\u060c \u0648\u0625\u062f\u0627\u0631\u0629 \u0648\u062b\u064a\u0642\u062a\u0643 \u0645\u0646 \u0631\u0627\u062d\u0629 \u0645\u0643\u062a\u0628\u0643.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">5. \u0643\u064a\u0641 \u064a\u0645\u0643\u0646 \u0644\u0634\u0631\u0643\u0629 \u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0633\u0627\u0639\u062f\u0629 \u0634\u0631\u0643\u062a\u0643 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0641\u064a \u062a\u0644\u0628\u064a\u0629 \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a\u0647\u0627 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\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u0639\u0646\u0635\u0631 \u0623\u0633\u0627\u0633\u064a \u0641\u064a \u0623\u064a \u0634\u0631\u0643\u0629 \u0646\u0627\u0634\u0626\u0629\u060c \u062d\u064a\u062b \u064a\u0648\u0641\u0631 \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0645\u0646 \u0645\u062e\u0627\u0637\u0631 \u0645\u062e\u062a\u0644\u0641\u0629 \u0642\u062f [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":391,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[27],"tags":[],"class_list":["post-388","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-27"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u0623\u0633\u0627\u0633\u064a\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0644\u0634\u0631\u0643\u0627\u062a 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