Zvikamu zveSikirwo Chekuona
Vakawanda (asi kwete vose) vashandi vanoverenga zvikwereti zvakakwana zvekubhadhara zvinoshandiswa nekugadzirisa uye chirongwa chekugadzirwa neInsurance Services Office (ISO). Pasi pemamiriro ezvinhu aya, mari yako yepamusoro inonyanya kubva pane zvinotevera zvitatu:
- zvikamu zvinoshandiswa kune bhizinesi rako
- iyo mitengo inopiwa kune izvo zvinyorwa (kugadzirirwa kumiganhu yawasarudza)
- iyo inowanikwa pasi (yakadai sekutengesa kana kubhadhara) iyo inoshandiswa inoshandiswa
1. Kurongerwa
Nhanho yekutanga munharaunda yekutarisa ndeyokuisa mabhizinesi ako. ISO inopa mazana emasikirwo, rimwe nerimwe rayo rinorondedzerwa ne tsanangudzo uye nhamba nhamba yechishanu inonzi ikhodi yekirasi . Heano mimwe mienzaniso:
- Mashekeri, korosi yeklasi 14913
- Zvokudya Zvokugadzira Zvokudya - Dhiya, Dry, klasi yekodhi 53374
- Drywall kana Wallboard Installation, code kambani 92338
Bhizimusi rimwe nerimwe rinopiwa sarudzo inoratidzira mushandisi wayo uye rudzi rwebasa.
Pfungwa iyi ndeyokuti mabhizimisi ane maitiro akadaro anotarisana nematambudziko akafanana uye anopa mhando dzakadaro dzezvirevo. Nokudaro, mhando dzakasiyana dzemabhizimisi dzinopiwa basa rimwe chete.
Semuenzaniso, Larson Locks inoshanda kunze kwechitoro uko inotengesa kuvhara magonhi, zvigaro, safes uye zvimwe zvigadzirwa zvakachengeteka.
Iko kambani inotumirawo vashandi kumisha yevatengi, mabhizinesi kana motokari kugadzirisa zvinetso zvehuni. Vakawanda vekugadzira mashizha vanoita mhando dzemhando dzebasa seLarson Kuvhara. Nokudaro, mutsigiri wezvakagadziriswa zvinowanzogovera mabhizimisi seLarson Kuvhara kune rimwecheteyo (Masoriki).
Zvichienderana nemamiriro ezvinhu uye kuoma kwemabasa ako, bhizinesi rako rinogona kugoverwa rimwe kana kupfuura mamwe maitiro. Chikamu chimwe nechimwe chine kero yeklasi yakaenderana.
Makirasi ekirasi anorongerwa kuva mapoka. Semuenzaniso, mabhizimisi ose e mercantile anopiwa kadhi yepakati pakati pe10000 na 19999. Saizvozvowo, mabhizinesi ose anoita maitiro ekugadzira kana kushandiswa anopiwa kadhi yekirasi pakati pe50000 ne59999.
2. Mitengo
Chinhu chechipiri chekuita kwehuwandu ndicho chiyero. Mitengo inogona kusiyana zvakasiyana kubva kune imwe inshuwarisi kune imwe inotevera. Vamwe vatsigiri vehurumende vanovandudza mararamiro avo "kubva pakutanga." Vamwe vanofunga mazinga zvichienderana nekurasika mari yakagadzirwa kubva kuI ISO. Hazvina mhosva kuti inshuwarisi yako inoyera sei mari yako, inofanira kunyorwa muDhipatimendi reMhosva.
Cherechedza kuti mudiro waunobhadhara ucharatidza miganho yawakasarudza kuti uite basa rekugadzirisa. Izvi zvinoreva kuti iwe uchabhadhara chiyero chapamusoro che $ 1 mamiriyoni pamiganhu yezviitiko zvinopfuura iwe waizoda $ 100,000 muganhu.
Imwe mitemo inosungirirwa inowanzobatanidza maitiro maviri ekugoverana: nzvimbo uye mabasa ekugadzirisa uye zvigadzirwa uye kupedza basa rokupedza. Kune zvakawanda zvakarongeka, izvi zvinyorwa zvinongororwa zvakasiyana. Izvozvi, chiyero chimwe chinoshandiswa kune zvivako uye kushandiswa kwekugadzirisa uye imwe yero inoshandiswa kune zvigadzirwa uye kupedza basa rakapedzwa.
Nzvimbo uye Maitiro
Nzvimbo uye kushandiswa kwevashandi zvinoshanda kune zvipikiso zvinopesana nebhizimisi rako rekukuvara kwemuviri kana kukanganisa kwezvinhu kunokonzerwa nezviitiko zvinobuda panzvimbo yako. Chimwe chirevo ndezvokutemerwa kwakaitwa nomutengi wako wekukuvara akakuvadzwa uye kuwira kwechiitiko pabhizimisi rako.
Nzvimbo uye kushandiswa kwekushandiswa zvinoshandawo kune zvikonzero zvekukuvadza kana kukanganisa kunokonzerwa nenjodzi inowanikwa kunze kwekushanda kwekambani yako. Basa racho rinogona kuitwa panzvimbo yako (yakadai senzvimbo yekugadzira) kana kune imwe nzvimbo (yakadai senzvimbo yebasa).
Somuenzaniso, ngatitii mushandi wenyu anotora chikamu chemifananidzo paanenge achiisa makombiyuta panzvimbo yehofisi yehofisi. Kana mutengi akaisa zvinokanganisa zvivako zvemhosva pamusoro pekambani yako, kudai kunofanira kuvharwa neimba yako uye kushandiswa kwebasa.
Miti uye Kupedzwa Basa
Mishonga uye kupedza basa rakapedzerwa rinoshanda kune zvikwereti zvechitatu zvekukuvara kwekukuvara kana kukuvadzwa kunokonzerwa nemishonga yako isina kukodzera kana basa rakakosha kana basa rawakapedza. Semuenzaniso, mutengi akaisa chikwereti chemhosva pamusoro pebhizinesi rako rebhizimisi mushure mekunge aputsa zino pahombe ye cherry iri mucheka yaakatenga muchitoro chako. Semumwe muenzaniso, mutengi anokwidza kambani yako yekukuvara kwepfuma mushure mekunge wakapedza mwedzi miviri yakapfuura yaputsika, ichikuvadza motori yake.
Mamwe maitiro emabhizimisi haabvumi zvigadzirwa kana basa rakapedzerwa (kana kuti zvisingakoshi). Mienzaniso ndezvokutengesa mabhii uye mabhuku ezvitoro. Yakawanda mhaka inopomerwa pamusoro pezvipfeko zvechero uye mabhuku ezvitoro zvinokonzerwa nezviitiko zvinowanikwa panzvimbo yavo. Aya mabhizimisi anokwidzwa kune zvivako uye kushandiswa kwekushanda chete. Hapana mhaka inowanikwa yezvikwereti uye kupera kwekushanda
3. Exposure Base
Chikamu chechitatu chekutara kwekodzero yakawanda ndeyekudzivirira pasi. Zvichienderana nehutano hwebhizimisi rako, nzvimbo yako yekutsvaga inogona kunge iri nzvimbo yekuvaka kwako, mari yekutengesa zvakadzama iwe unotarisira kuitisa panguva yegore rezvematongerwo enyika, mubhadharo wako wakarongwa, kana chimwe chinhu.
Zvizhinji zvakarongeka zvakarongwa zvichienderana nekutengesa. Nokuda kwezvikamu izvi, purogiramu inowanzoverengwa kuburikidza nekuwedzera kuwandisa nguva dzekutengesa zvakadzama zvakaparadzaniswa nemakore 1000. Somuenzaniso, fungidzira kuti Larry anotarisira Larson Kuvhara kuunza $ 5,000,000 mukutengesa kwakadzama panguva yake. Nhamba inoratidzirwa pane zvaanoita ndeye $ 1.00 yezvivako uye maitiro uye $ 1.50 yezvigadzirwa uye mabasa akapera. Larry premium is 1.00 X (5,000,000 / 1,000) pamwe ne 1.50 X (5,000,000 / 1,000) = 5000 uye 7,500 kana $ 12,500.
Ngatitii Larry akafungidzirwa kutengesa yaiva $ 5000 chete. Sezvo kuverengwa kwayo kwakaderera (chete $ 12,50) mubhadhari wake aizomupa chikwereti chiduku. Iyi ndiyo mamiriyoni mashoma ayo iyo inshurensi inoda kupa sarudzo.
Vashandi Kupa Nyanzvi
Izvo zvakasarudzwa zvinoshandiswa muhuwandu hwehutano hwehutano hazvisi zvakafanana sezvo NCCI yakarongedza hurongwa hunoshandiswa kuronga kushandiswa kwemishuwarenzi yevashandi . Izvo zvakasarudzwa mumamiriro maviri aya zvakasiyana zvachose. ICCI classification system inowanikwa pamatareji mana emakirasi apo hutsika yehurumende inoshandisa nhamba dzemataundi mashanu.