10 Mhando yeBusiness Insurance Inogona Kuda

Bhizimisi Rako Rakavharwa Nokusatarisira Here?

Hapana chinhu muupenyu chiri chokwadi uye izvi zvinosanganisira zvinhu zvinogona kukanganisa bhizinesi rako. Njodzi dzinongoitika dzoga, dutu uye kunyange hugandanga zvinhu zvose zvinogona kukanganisa hupenyu hwako hwehutano. Tora nguva yekuita inshuwarisi yebhizimisi chekuongorora uye ita nechokwadi kuti zvisingatarisirwi hazvigadziri bhizimusi rako mumakwara aro. Kune mamwe maitiro makuru ebhizinishuwarenzi iyo inokosha kumabasa ako anosanganisira:

• Property Insurance : Bhizinesi pfuma ye inshuwarisi inobhadhara mubhadharo webhizimisi rako pfuma inokonzerwa nekurasikirwa kwakafukidzirwa. Mutemo unongodzivirira nzvimbo yako yebhizimisi asiwo zviri mukati mako zvinosanganisira feniti yehofisi, makombiyuta, mabhizinesi ekutsvaga mabhizimusi uye zvimwe zvinhu zvakakosha kubhizimisi rako. Zvizhinji zvehupfumi inshuwarisi yemitemo inopawo mari yekuchengetedza bhizinesi rako kubva pakuwedzera kwekukuvara mushure mekurasikirwa kwakafanana nemoto (kusanganisira zvinhu zvakadai sekusvibiswa kusvibiswa) nemari inodiwa kuti urambe uchishanda bhizimisi rako kusvikira kusanganisa kwekurasika kuri kugadziriswa.
• Mhosva yeInishuwarenzi : Sezvo muridzi webhizimisi, unogona kupomerwa nevamwe nekuda kwekukuvadza kupi nekupi kwekuregererwa kwebasa rako rebhizinesi rinokonzera kukuvadza kune vamwe semuchina usina kukwana. Inishuwarenzi yemhosva inokweretesa kukanganisa kwako uye zvepamutemo zvemari kana iwe wakasungirirwa kumiganhu yako. Mutemo wako wekutonga uchabhadharawo mari yekurapa yevamwe vanokuvadzwa nebhizinesi renyu.

• Commercial Auto Insurance : Chero motokari yaunoshandisa mukushanda kwebhizimisi rako inofanira kuiswa pamutengo wemotokari yako. Zvizhinji zvega auto auto inshuwarisi mitemo hazviregi motokari dzinoshandiswa zvebhizimisi. Nzira yako yekutengeserana motokari ichabhadhara kukuvara kwemuviri kana kukuvadzwa kwezvinhu kune vamwe zvichikonzerwa nekushanda kwemotokari yako yebhizimisi kusvikira kumiganhu yako. Iwe unogona kuisa mutengesi wemotokari yemapurisi yehurumende kuti uwane zvido zvako zvakadai sokubhadhara kuti utsire motokari inobatanidzwa munjodzi.

• Vashandi Vekubhadhara Inishuwarenzi : Zvizhinji zvematongerwo enyika zvinoda vashandi kutakura mashandisi ekubhadhara inishuwarenzi Texas vhizimisi vemabhizimisi havakwanisi kutakura vashandi mari. Zvinotarisirwa ndezvevashandirwi vane nhamba inodaidzwa yevashandi (izvi zviyero kubva kune zvitatu kusvika kune zvishanu zvichienderana nemamiriro aunogara mairi). Bumbiro remari yevashandi richabhadhara kurapwa uye kurasikirwa mubhadharo kune vashandi vakakuvara pabasa. Kuvharidzirwa kunokwereta kunokanganisa zvisinei kuti ndiani ari kukanganisa pangozi. Kana mushandi akafa, mutemo unobhadhara mubhadharo kumhuri yomushandi. Kana uine bhizinesi duku, iwe haungatenderwi zviri pamutemo kutakura vashandi inshurensi yekubhadhara, zvichienderana nemamiriro aunogara mairi. Zvisinei, kunyange kana iwe usingabvumirwe zviri pamutemo kuti uite kudaro, kutakura huwandu hunogona kunge uchiri pfungwa yakanaka Iva nechokwadi chokuti iwe unodzivirirwa pamhosva yepamutemo apo mushandi akakuvara pabasa.
• Kukanganisa uye Kuregererwa (E & O) / Professional Liability Inishuwarenzi : Kana bhizimusi rako richibatanidzwa mumabasa ehupfumi kusanganisira kupa mazano ezvemhizha, kugadzira mazano, kugadzira michina, nezvimwe; iwe uri pasi pekupomerwa kana iwe uchipa mazano asina kunaka kana kuita sarudzo dzisina kururama dzinogumbura kune vamwe. Kukanganisa uye mitemo yekudzima ichakudzivirira kubva kunezvikanganiso izvi mukutonga uye kubhadhara mari yepamutemo kusvika kumiganhu yemitemo.

Mukuwedzera kune aya maitiro makuru ebhizinishuwarenzi, pane mamwe mhando yebhizimisi bhizinesi iwe unogona kudikanwa. Gore Idzva inguva yakakura yekudzokorora yako yveshuwarisi yekugadzirisa asi chero nguva iwe paunenge uchinja hukuru muhuwandisi kana hushanda, unofanirwa kudzokorora kugoverwa kwako neunishuwarenzi. Heano mhando shomanana dzebhizimisi bhushuga iwe ungada asi usina:

1. Ugandanga Inishuwarenzi: Ugandanga Inishuwarenzi chinhu chatinonzwa kakawanda nezvemazuva ano. Mikana ndeyokuti, kutambudzwa kwegandanga kwe 9/11, usati wambonzwa nezvishuwarisi yehugandanga. Iyi ndiyo inishuwarenzi inochengetedza bhizinesi rako maitiro pamusoro pekurasikirwa kunokonzerwa nemabasa emagandanga.
2. Pasi Pasi Chekuchengetedza Tangi Inishuwarenzi : Matangi ekuchengetedza pasi pasi pose inowanzova pangozi yevanamabhizimisi. Kuvhara pasi pasi kwezvinhu zvinokuvadza kunogona kutengesa mabhizinesi ako zviuru zvemadhora. Kuchengetedzwa kwepasi pevhu inshuwarisi inogona kukuponesa kubva mune zvemari zvakashata iwe inofanira kunge yakatangira pasi. Ichabhadhara zvinhu zvakadai sewebsite cleanup uye mutoro wemari inofanira kunge yakakonzera kukanganisa kune vamwe kana pfuma yavo.

1. Kusvibiswa Kunokwana uye Inishuwarenzi Yemazuva Ano : Mutemo mukuru webhizimisi rako unogona kunge usina zvigadziriswa zvekusvibiswa uye kukusiya usina kudzivirirwa pakurasikirwa kwezvinhu zvakasvibiswa. Vashandi vebhizimisi vanofanirwa kuongororesa inshuwarisi yavo inodiwa yekusvibiswa kwemhepo uye mamwe marudzi emishonga yemajeri. Kusvibiswa kwemishonga yveshuwarisi inokosha kukosha kwevakambani vanozvimirira. Kuchenesa kwemhepo yakasvibiswa kunogona kukwanisa kutenga mamiriyoni emadhora. Zvichienderana nemhando yebhizimisi raunayo, rudzi rwekusvibiswa kwemhosva kunotarisirwa kuchasiyana.
2. Inyanzvi neVanonyorera E & O Inishuwarenzi: Injiniya nevadzidzisi vanogona kutarisana nezvikwereti zvemutemo sechigumisiro chebasa ravanopa. Izvi zvaisanganisira kukanganisa kunokonzerwa nevakambani vanoshandisa pakudzingwa bhizinesi renyu rehupfumi. Iyi mitemo inopa kudzivirirwa kana mumwe wevashandi vekambani ava asina hanya uye achiita kuti vamwe vakuvadze. Vamwe vashandi vanoda makontrakiti kuti vave neInjiniya neVanonyore E & O inshurensi vasati vashandira.
3. Bhizinesi Inopesana Inishuwarenzi: Bhizimisi Inopesana Inishuwarenzi, inozivikanwawo seInishuwarenzi yeBhizinesi yeBhizinesi inowanikwa sechibvumirano kune Bhizimisi Vaiti Purogiramu (BOP), yePurc Package Policy (CPP) kana yekutengeserana kwepfuma yepurazi. Kana iwe uchida kusimamisa maitiro ebhizimisi nekuda kweimwe rudzi rwematambudziko kana chiitiko chisingatarisirwe chinokonzera bhizinesi reimba yako, iyi inobhadhara mari yekushanda kusvikira iwe unogona kugadzirisa zvinoda uye kutanga bhizinesi mabasa zvakare.
4. Kutakura Kwezvinhu Zvinokuvadza Mhosva Inishuwarenzi (HAZMAT): Inishuwarenzi yeHAZMAT inosanganisira kutakura zvinhu zvinokuvadza nemotokari, chitima, chikepe kana ndege. Iyi mitemo inobata basa rekutakura / kusunungura mitoro, in-transit coverage, nzvimbo yekusvibiswa kuchenesa nekusvibiswa kunoenderera kunokonzerwa nekuparara kwezvinhu zvinokuvadza. Inishuwarenzi yeHAZMAT inotenderwa pamutemo kune vanotengesa zvinhu zvinokuvadza.
5. Data Breach Inishuwarenzi : Hapana mubvunzo kuti wakanzwa nyaya dzinotambudza pamusoro pekuti vatengesi vakakwanisa kuwana sei ruzivo rwevamwe vevashandi vekambani kana vatengi. Kana kambani yako ichichengetedza rudzi urwu rwemashoko ega ega pakombiyuta kana sevhare, iwe unobvumirwa nemutemo kuchengetedza iyi ruzivo rwemunhu. Data Breach yunishuwarenti inodzivirira vashandi vebhizimisi kubva pamhosva yepamutemo inokonzerwa nehutano hwechikonzero ichi, kana ruzivo rwacho rwakakonzerwa nemagetsi kana nedzimwe nzira dzakadai sepepa pepa.
6. Vatungamiriri uye Mahofisi Inishuwarenzi : Vatungamiri uye Mahofisi Inishuwarenzi inokuchengetedza semutungamiriri kana mukuru wekambani kana zviito zvako zvichikanganisa kambani yekubatsira kana kuti kambani inosungirirwa nekuda kwezviito zvako. Iyo inoratidzirwa ichabhadhara kukanganisa kwepamutemo nemari.
7. Basa Rinoshandisa Dhiyabhorosi: Kana mumwe wevashandi vako akakwidza mhosva yako pamusoro pekusarura kusanganisira makore, rudzi, kuremara, kusarurana kwepabonde, kugumisa kusina kunaka kana rumwe rudzi rwekusarura; iyi kuvhara inokudzivirira iwe marudzi aya ezvakataurwa zvine chokuita nevashandi.
8. Kuwandisa Kuwedzera: Kuwedzera kwekutadza kwemhosva, kana kuti mitemo yakawanda, inopa kudzivirirwa kwakanyanya kubva kune imwe nhamo yakaipa yakadai sekukuvadzwa kwebhizimisi rako nechamupupuri. Kana mhepo ichivhuvhuta mumba mako uye vatengi vakakuvadzwa; kana zvikwereti zvisingasviki pamiganhu yenheyo yako, iyi ndiyo iyo mitemo yako yakawanda yekuurawa inogona kutora mari yakawedzerwa. Iyi nheyo yakafanana nemutemo wemuraira.

Kana iwe waifunga kuti bhizimusi rako raive rakafukidzwa nehupfighuti hwepfuma kana yehutori chete, unogona kunge uchikanganisa. Usamirira kusvikira iwe uchitambura kurashikirwa kufunga nezvekutenga zvakakodzera bhizinesi inshuwarheni. Aya haasi ega maitiro ebhizinishuwarenzi yebhizimisi iwe ungada. Rongedza kubvunzurudza nebhizimisi inshuwalisi yezvebhizimisi kuti uongorore bhizinishuwarenzi bhizinishuwarenzi yako uye uone kuti bhizinesi rako 'zvinhu zvinodzivirirwa kubva kune zviitiko zvisingatarisirwi muupenyu