10 Nyaya Yakawanda Inowanikwa Mazvitsva

Ndeapi marudzi ehurumende yeruzhinji inowanzosangana nemabhizimisi maduku? Ndezvipi zvinonzi zvinodhura? Chidzidzo chakaitwa neThe Hartford, kambani yemari yemari, inopa dzimwe mhinduro dzemibvunzo iyoyo. Iyo inshuwarheni inotsvakurudzwa inoti data kubva kune mamiriyoni emitemo mitemo inotengwa nevana vabhizimisi vaduku. Nhoroondo yacho yakavhara makore mashanu (2010 kusvika muna 2014) uye yakashandiswa kune mhosva, motokari uye zvimhosva zvemapurisa.

Zvigumisiro zvekudzidza kwaHartford zvakapfupiswa apa.

Forty Percent Chinhu Chekudaidzwa

Apo mabhinki maduku emabhizimisi anotenga inshuwarisi, vazhinji havafungi kuti vachabatsira chero kurasikirwa kupi zvako. Vanoona inshuwarisi sechidziviriro pane zviitiko zvinoshamisa. Asi, kurasikirwa kunogona kuitika kakawanda kudarika vatengi vemabhizimisi vanotarisira. Maererano neHartford, 40% yemabhizimisi maduku achawana pfuma kana kurasikirwa kwemhosva mukati memakore gumi anotevera.

Yakawanda Nyaya Dzose dzeZvitsvaga

Kuongorora kweHartford kunopa ruzivo pamusoro pemhando yekuti mabhizimisi maduku mabhizimusi anogona kutarisira. Iyo inishuwarenzi yakarondedzera zvinotevera sezvigumi gumi zvakajairika zvezvikwata zvinowanikwa nemabhizimisi maduku. Iko muzana inoratidzirwa kune rumwe rudzi rwekutsvaga ndiyo chiyero chezvikwereti zvachose.

1. Kudzvinyirira uye Kubata (20%) Vanopara mhosva idzi vanogona kuva vashandi vasina kutendeseka kana kunze.
2. Mvura uye Kuvhiringidza (15%) Izvi zvinosanganisira zvirevo zvinosanganisira kukanganisa kwepahosi kubva kune chando kana chando uye kukanganisa kunokonzerwa nemapayipi akaomeswa

1. Mhepo uye Chimvuramabwe Kuparara (15%)
2. (10%) Moto ndechimwe chezvinhu zvinowanzokonzera kukanganisa kwepfuma, asi vazhinji vanoita zvematongerwo enyika vanozvidza simba rayo rokuparadza.
3. Mutengesi Slips uye Falls (10%) Inenge chero bhizimusi chero ripi zvaro rinogona kutora chirevo chekukanda-uye-fall. Zvisinei, kambani yako inogona kunge yakanyanya kuchinetseka kudai kudai kana vatengi kana nhengo dzevanhu nguva dzose vanoshanyira nzvimbo yako kana nzvimbo yebasa.

1. Kutengesa Kambani Nekukuvadza (Pasingasviki 5%) Vatengesi vanogona kuchengetedza kukuvadzwa kwemuviri kana kukanganisa kwezvinhu muzviitiko zvisingarevi mashizha uye kuwira. Somuenzaniso, mutengi akakuvara muhofisi yako apo mwenje unorema wevhu unowira ndokumurova mumusoro.
2. Mutengo Wemikoro (Pasi pasi pe5% ) Kutambura kwako kune chikwata chemhosva yezvibereko kunobva pane zvakasiyana-siyana zvinosanganisira mararamiro ako uye zvivimbiso zvaunoita paunotengesa chigadzirwa.
3. Yakagadzirirwa neChiratidzo (Chisingasviki ne5%) Zvinhu zvakasiyana-siyana zvezvinhu zvinofamba zvinogona kukonzera ku-ku-kwekukuvara kwebasa. Mienzaniso imotokari nemotokari, zvigadzirwa zvefoni , zvinowira matangi ekuvaka, uye chimvuramabwe.
4. Kudzvinyirira kweZvirevo (Pasingasviki 5%) Idzi zvikwereti zvechitatu-zvemabhizimisi pamusoro pemabhizimisi maduku nokuda kwezviito zvakadai sezvinyengeri uye makuhwa. Vanotsoropodza vanotaura kuti mukurumbira wavo wakanganisa nezviito zvakadaro.
5. Njodzi yeGari (Musingasviki 5%) Purogiramu yezvokuchengetedza motokari inogona kubatsira kudzivirira mhaka dzemhosva dzemotokari.

Zvizhinji Zvinodhura Zvitsva

Zviri pachena, mamwe maitiro ezvakaitika anoitika kakawanda kupfuura mamwe. Asi, kutaurira nguva yakawanda inongova chinhu chimwechete chezvirevo zvinotarisirwa kuti inshuwarisi. Ivo vanonetsekawo nezvekutsinhira kwekutsvaga (ukuru hwezvakataurwa). The Hartford yakaverenga mavhareji emari yezvinyorwa kune imwe neimwe yezvikamu gumi zvakataurwa pamusoro apa.

Heano pane mapoka gumi maererano nehuwandu hwebhadharo, kubva kune yakakwirira kusvika pasi.

1. Kukuvadza Kunokanganisa ($ 50,000)
2. Njodzi yeGari ($ 45,000)
3. Moto ($ 35,000)
4. Mutengo Wemiti ($ 35,000)
5. Kutengesa Kambani kana Kuparadza ($ 30,000)
6. Mhepo uye Chimvuramabwe Kuparadzwa ($ 26,000)
7. Kutengesa Kwekambani uye Kuwa ($ 20,000)
8. Yakagadzirwa neAn Object ($ 10,000)
9. Mvura uye Kuparadza Kunopisa ($ 17,000)
10. Burglary uye Kubba ($ 8,000)

Cherechedza kuti zvipfeko nembavha zvakagadzira nhamba yakakura yezvakataurwa, asi chiyero chekuita mari chakanga chiri chiduku. Kukuvadza kunokwidza uye kuitika kwemotokari kwaive kwakaderera pahuwandu hwemashoko (nhamba 9 ne10, zvichienderana) asi yakakwirira (nhamba 1 ne2) pamusana pekunyora.

Zvidzidzo ZveMabhizimisi Maduku

Kuongororwa kwezvakaitwa kunoitwa neThe Hartford kunobva kune inshuwarisi yekurasikirwa kwese data. Kuongororwa kwakaitwa neimwe inshurensi kunogona kugovera zvakasiyana.

Kunyange zvakadaro, kudzidza kweHartford kunopa ruzivo runobatsira kune vadzidzisi viduku. Inogona kubatsira makambani maduku kuti asarudze kupi kuisa pfungwa dzavo pakurasika kurasikirwa.