Bvisa Inn Yako, Hotel, Motokari, kana Bhedha neKudya Kambodhi
Property Insurance
Chero chinzvimbo chekugara chinoda bhizimusi pfuma inshuwarisi kuchengetedza bhizimisi pamusoro pekurasikirwa kunokonzerwa nekukuvara kwezvivako uye zviri mukati. Mabhizinesi mazhinji eimba anowana inshuwalisi yemugove sechikamu chepurogiramu yemapuranga . Vamwe vatsigiri vehurumende vanopa mitemo yakanyatsorongedzerwa kudiki motels, inns, B & B uye mabhizimisi akafanana. Izvi zvinowanzonyorwa pamabhizimisi emabhizimisi uye zvinosanganisira zvakasiyana-siyana zvekuvharidzirwa zvinodiwa nekuisa mabhizinesi.
Zvikamu
Muganhu waunosarudza wepurogiramu yako yepfuma inofanira kunge yakakonzerwa nemamiriro ezvinhu akaipisisa. Iwe unoda kudhura mari yakawanda sei kuti ugadzirise chivako chako uye kutora zvigadziro zvako kana zvinhu zvako zvose zvakaparadzwa nemoto? Iva nechokwadi chekutarisa kukosha kweimwe nzvimbo yakasiyana-siyana yako nzvimbo yako inosanganisira, yakadai sedare rekare kana zviratidzo zvemaonero. Usakanganwa kusanganisira midziyo yakafanana nefrijiji uye mafiriji.
Kudzokorora Mariko kana ACV
Nzvimbo yekutengeserana inogona kuiswa inshurenzi zvichienderana nemutengo wayo wokutsiva kana kuti chaiyo mari chaiyo (ACV).
Kudzorera mari inoshandiswa ndiyo inowedzera mari yakashata asi inopa kudzivirirwa zviri nani. Pasinei nehuwandu hwehupfumi, bhizinesi rekugara ringakoni kubuda kubva mukurasika kukuru. Kunze kwekubhadhara mari inishuwarenzi, iwe unofanirwawo kutenga chivako chekuchengetedza . Iyo yekupedzisira inobatanidza mari yekuvandudza iyo inogona kudiwa nemitemo yekuvaka apo dambudziko rakaparadzwa rinogadziriswa kana kutsiviwa.
Mifananidzo uye Collectibles
Iwe unayo imba yezvakavanzika here kana mubhedha nekutambidza? Kana zvakadaro, iwe unogona kunge wakashongedza nzvimbo yako nemifananidzo inodhura, zvigadzirwa, mafiribhu ekumaodzanyemba uye zvimwe zvakafanana. Nzvimbo dzakawanda dzekutengesa pfuma yepamutemo dzinopa huwandu hwekupararira kwezvinhu zvakashata sezvidhori uye China. Uyezve, mifananidzo uye zvigadziriswa zvinowanzovharwa pane chaiyo chaiyo mari inokosha. Kuti uone kuti zvinhu zvakadai zvichienderana nekugadziriswa kwekukosha kwavo, iwe uchada kutenga mazano akanaka ekugadzira .
Bhizimusi Kubhadhara uye Zvimwe Zvimwe Zvinodhura
Mabhizimisi ekugara anowana mari kuburikidza nekukamurira makamuri kune vashanyi. Kana imba yako ichikuvadzwa nedutu kana imwe njodzi, iwe unogona kumanikidzwa kuvhara bhizimisi rako kusvikira kugadzirisa kwapera. Nhaurirano yehupfumi yehupfumi haifaniri kubhadhara mari yaunorasikirwa nayo apo imba yako iri kudzorerwa. Kuti uzvidzivirire pane kurasikirwa kwepfuma, iwe uchada kutenga mari yebhizimisi (inonziwo kudengenyeka kwebhizimisi).
Iwe unofanirwa kufungawo kutenga mari yakawanda yeinishuwarenzi . Inobatanidza mari yaunenge uchiita kuti udzivise kana kuderedza kuvhara kwebhizinesi rako rekuita mushure mekunge pfuma yako yakarashika kurasikirwa kwenyama. Mari yebhizimisi uye mari yakawedzerwa yezvokubhadhara zvinowanzobatanidzwa mune dzimwe mazano emapato akagadzirirwa mhizha yekugara.
Njodzi Dzinokuvadza
Zvakakosha kuyeuka kuti purogiramu yemapurisa haifaniri kukanganisa kukonzerwa nemafashamo, mudflow, kuputika kwemakomo, kana kudengenyeka kwenyika. Kana bhizinesi yako iri munzvimbo inowanzoita zvinetso izvi, iwe unoda huwandu hwekugovera. Iwe unogona kuchengetedza bhizinesi rako kupesana nekukuvara kunokonzerwa nemafashamo kana mudflow nekutsvaga inshuwarisi yemvura. Kukuvadza kunokonzerwa nekudengenyeka kwenyika kana kuputika kwemakomo kunogona kuva inshumbisi pasi pekudengenyeka kwenyika .
Mhosva yeInishuwarenzi
Bhizinesi roga roga rokugara rinoda mutemo wevose . Izvozvo zvinosanganisira zvinopesana nebhizimisi rako nokuda kwekukuvadzwa mumuviri, kukuvadzwa kwepfuma , kana kukuvadza kwevanhu pachavo uye kushambadzira kunotsigirwa nevashanyi kana kune vamwe vatatu semugumisiro wekugara kwako. Motels, inns uye mabhizimisi akafanana zvinotarisirwa nezvikwereti zvikuru. Heano mienzaniso yezviitiko zvinogona kutungamirira kukurasikirwa kukuru:
- Mwana anonaya mumvura yakashambadzira pa motel yako.
- Muenzi anosvetura mumvura yewaini paanenge achigara pa B & B yako uye anotsigira zvakakomba musoro.
- Vose vemuchato wepachikwata vanorwara nekudya kunoshandiswa pahotera yenyu.
Imwe mitemo inokwanisika yekudzivirira ichakudzivirira pamhando dzezvirevo zvinotaurwa pamusoro apa. Cherechedza kuti mutemo unosanganisira inshuwarisi yemutengo wehutano. Inosanganisira zvipikisa zvinopesana newakasimbiswa nevashanyi kana vamwe vatatu nekuda kwekukuvadzwa kana kukuvadzwa kunokonzerwa nezvigadzirwa (kusanganisira zvokudya) zvaunoita kana kutengesa.
Liquor Liability
Mabhizimisi mazhinji eimba anopa doro. Vamwe vanoshumira chete waini kana doro, asi vamwe vanoshanda bhari yakazara . Kana nzvimbo yako inoshumira chero doro, unoda inshuwarisi yemhosva yewaini . Iyi kugoverwa kunogona kuwedzerwa kune chikwereti chakazara kana purogiramu yepahomwe yepa premium inowedzera.
Mutoro weAne Innkeeper
Mazhinji enyika ane mitemo inogadzirisa chikwereti chemuvakidzani wemhosva yekuparara kana kubata kunoitika kune vaenzi pfuma paimba yevaeni. Mitemo iyi yakasiyana kubva kune imwe nyika kuenda kune imwe nyika. Zvichienderana nemamiriro ezvinhu, muimba weimba yeimba angave ane mhosva kumutenzi kune vose kana chikamu chekurasikirwa. Nokudaro, kuisa mabhizimusi kunofanira kutenga vaeni vepagari vachipomerwa mhosva yepamutemo. Izvi zvinochengetedza bhizinesi rako kubva kune zvikwereti zvekukuvara, kurasikirwa, kana kubatwa kwevaenzi 'pfuma apo iri panzvimbo yako uye pasi pekutonga kwako. Chikamu chichashandiswa kusvika kumiganhu inotaurwa mumutemo.
Commercial Auto Insurance
Kana nzvimbo yako yokugara yakashandisa motokari, iwe uchada zvekutengeserana motokari . Usavimba nehutano hwako hwekuvhara motokari-kushandiswa kwemotokari. Iro purogiramu yemunhu ine zvinyorwa zvakasiyana-siyana zvebhizinesi . Mukuwedzera, hazvigone kupa mitezo yemotokari inokwana bhizinesi rekushanda.
Inoshuwarenzi yevashandisi
Mabhizinesi akawanda ekugara anoshandisa vashandi, saka ivo vanomanikidzwa nomutemo kuti vatenge vashandi inshurensi yekubhadhara . Ichi chinyorwa chinowanikwa kubva kune zvakasiyana-siyana zvevareji . Kana uchida rubatsiro rwekutenga kusarudza inshuwarheni, bvunza vashandi vako kana mutengesi kuti akubatsire.
Zvimwe Zvinyorwa
Zvimwe zviitiko zviviri zvinotarisirwa kubhadhara iwe unofanirwa kufunga nezvazvo ndezvokutengeserana umbrella uye inshuwarisi yekuchengetedzwa kweyveshu. Imba yemaamburera "inogara pamusoro pe" mutoro wako wega wega uye nezvekubhadhara mari. Inopa miganhu pamusoro peiyo inopiwa nemitemo yako yepamusoro. Inowedzerawo zvimwe zvirevo izvo hazvisi inshupiti pasi pemitemo yako yepamusoro. Imburera inokosha kana bhizinesi rako rinotadza kurasikirwa kwakaipisisa, sezvinoita mwana achidzikisa chiitiko chakataurwa kare.
Kufanana nenzvimbo dzakawanda dzekugara, bhizinesi rako rinoshandisa uye rinoshandisa dhidhiyo data . Iwe unogona kushandisa webhusaiti kuitira kuti vatengi vagone kuita zvekuchengetedza paIndaneti. Iwe unogonawo kuchengetedza data yevabereki, kusanganisira ruzivo rwekadhi rechikwereti, pane kombiyuta yako. Iyi dheta inoita kuti pave nechinangwa chekutsvaga. Nzira yako inogona kugunzwa nekushungurudza kwekunyora . Munhu anokanganisa angaba mari kana kuzvisunungura paInternet. Terenda dzine dhiyabhorosi dzakagadziriswa dzinogona kutumira mhosva pamusoro pebhizimisi rako. Iwe unogona kuzvidzivirira nokutenga mutemo wekutengesa cyber.