Kudzivirira Chechi neBusiness Insurance
Ndezvizhinji motokari dzingangobatanidzwa mumatambudziko emotokari. Kufanana nemabhizimisi, machechi anoda inshuwarisi kuitira kuti vagone kuchengetedza zvinhu zvavo uye varambe vachishanda basa ravo.
Sources of Coverage
Machechi anotsvaka inshuwarisi angave ane mamiriyoni ezvinyorwa zvekugovera. Makereke makuru kwazvo anogona kuchengetedza mari pamishonga yemishuwarenzi kuburikidza ne self-inshuwarisi . Machechi maduku kana pakati-kati angatenga kugoverwa kubva kune imwe nzvimbo yepfuma-kuurayiwa insurer. Imwe nzira ndeyekutenga kugoverwa kubva kune imwe nyanzvi yekusimbisa inshuwarheni yakadai seChechi Mutual uye Hamahood Mutual. Zvose zviri zviviri uye zvikwereti vatsigiri vanopa zvinhu zvakagadzirirwa makereke. Vakawanda vanotengesa mapurogiramu emapatendi anosanganisira kuvharwa kwekereke dzinoda sepfuma, mutoro, uye motokari.
Property Insurance
Machechi ose anoda inishuwarenzi yepaiti. Nzvimbo yekutengeserana pfuma inodzivirira sangano rako pakurasikirwa nekurasikirwa kana kukanganisa kune zvivako zvechechi uye pfuma yega.
Zvitendero zveChechi zvinogona kuva inshuwarisi nokuda kwaro mari chaiyo yekuti mari kana kuti inoshandiswa. Izvo zvinosarudzwa zviri nani zvinoenderana nezera uye chimiro chekuvaka kwako. Nheyo inobva mumari chaiyo yemari inogona kunge yakakodzera kune chivakwa chekare chisiri mumamiriro ezvinhu akanaka. Usasarudza kugoverana uku sechiyero chekupedza mari.
Hazvizofukidzira mari yakazara yekugadzirisa kana kutora nzvimbo yakakanganiswa. Mazhinji ekereke anofanira kuve inshuwarheni nekuda kwekubhadhara mari yavo. Kana ukasarudza muganhu wakakwana, kupedzisa mari yekugovera kunofanira kupa mari yaunoda kuti uvake kereke yako kana yakaparadzwa zvachose nemoto kana imwe njodzi inopiswa.
Chimwe chinyorwa chinofanira kutarisa kutenga ndechokuvaka inshuwarisi yemutemo . Inobatanidza mari yakawanda yaunoshandisa pakugadzirisa kana kuvakazve chivako chako kuti uwane mazano edzimba ino. Pasina izvi kugoverwa, kereke yako inogona kubhadhara mari yakawanda yezvekugadzirisazve mari.
Zvose zvikwereti chechechi yako pachako zvinofanira kuvharwa pasi pemutemo weimba. Kuti uve nechokwadi chokuti hapana chakakanganiswa, ita rondedzero yezvose zvivako zvechechi. Nzvimbo yako inogona kusanganisira maholo, makamuri emisangano, mapurisa, uye dzidzo. Inogonawo kusanganisira nzvimbo dzokugara dzinogarwa nemufudzi kana dzimwe nhengo dzevafundisi. Zvigadzirwa zvechitendero, zvitsvuku, magirazi, magwaro, mabhuku ekunyengetera, nezvimwe zvinhu zvinokosha zvinofanira kuverengwa uye zvakanyorwa pane imwe purogiramu yakasiyana. Zvinhu izvi zvinogona kuvharwa nehutano hwehutano inshuwarheni .
Machechi haazvidziviriri kuparwa kwemhosva. Mimwe yemhosva dzakawanda dzinowanikwa pamusoro pemachechi ndeyekucheka, kuparadza , kupisa, uye kuba kwemari nevashandi .
Kudzvinyirira, kuparadza, uye kupisa zvinowanikwa panjodzi pasi pezvinotengeswa zvematongerwo enyika. Kuvhara kwevashandirwi vashandi kuchadzivirira kereke yako pamusoro pekubata mari, kuchengetedzwa, uye imwe nzvimbo yevashandi vechechi. Vamwe vatsigiri vanozoendesa mberi tsanangudzo yevashandi kusanganisira vanozvipira.
Machechi mazhinji anoshandisa makombiyuta kutenga zvigadzirwa, kuchengetedza nhoroondo, nekukurukura nevashumiri. Purogiramu yako yehupfumi haigone kugovera zvakakwana zvekombiyuta yako nedheta . Kana zvikasadaro, funga kutenga zvinhu zvekugadzirwa kwekugadzirwa kwezvinhu zvemagetsi .
Mhosva yeInishuwarenzi
Munguva yakapfuura, masangano ezvitendero haana kudzivirirwa pamhosva . Hapana aikwanisa kupomera kereke nekuda kwekukuvadzwa kunotsigirwa nekuda kwekuregererwa kwechechi. Nguva dzakashanduka, uye kereke yakawanda yakasununguka yakabviswa nematare. Mazuva ano, machechi ari pasi pemhando dzakafanana dzemhosva dzinoshandisa mabhizimusi ekubhadhara mari.
Machechi anonyanya kutarisana nemisungo ine chokuita nekukuvara kwevana.
General Liability Coverage
General inshuwarisi yemhosva inodzivirira kereke inopesana nezvirevo zvevanhu vatatu kuti vakakuvadzwa mumuviri, kukuvadzwa kwepfuma , uye kukuvara kwevanhu pachavo uye kushambadzira . Dare rekodzero yechechi inofanira kuvhara vashandi, vanozvipira, vakuru vechechi, vashandi, uye nhengo dzechechi sevanoshungurudza.
Machechi mazhinji anobvumira masangano kunze kwekushandisa zvivako zvechechi yemisangano, makirasi, nezvimwe zvinangwa. Kana kereke yako ichibvumira mamwe masangano kushandisa sangano redzimba, ngaive vakatenga inshuwalisi yemhosva. Simbisa kuti sangano rega rega ripe tsamba yehutano inshuwarisi .
Zvikanganiso & Kuvharwa Kwemagetsi
Vaperekedzi veChechi vanopa mazano ekunamata vanogona kutongerwa kukanganisa mumuviri kana mupfungwa kumachechi. Kuti vadzivirire mufundisi wavo, machechi anoda rubatsiro rwehupfumi hwekufambisa hupfumi, rudzi rwekanganiso uye kusviviswa kweinishuwarenzi. Saizvozvowo, kereke inoita kuvigwa kana kupisa inofanira kuchengetedza vadzidzisi vayo kumakuva kuburikidza nekutenga kumakuva ekudzivirira.
Machechi anofanirwawo kutarisa kutenga vatungamiri nevatungamiriri (D & O) mutoro uye basa remabasa (EPL ) zvinyorwa. D & O inishuwarenzi inodzivirira vatungamiri nemapurisa zvinopesana nezvipomera zvinoreva kuti vakaita zviito zvisina kururama pavanoshumira pachechi rechechi. E-inshuwarisi inosanganisira zvinotaurwa nevashandi vanotaura kusarura uye mamwe mabasa emabasa.
Zvimwe zvikwereti zvinowanikwa kune chechi inofanira kufungidzira kutenga zvakataurwa pasi apa.
- Kushungurudza zvepabonde uye kushaya muviri . Kuvhara zvinoreva kusabvumirana kusina kubvumirana kana kushandiswa kwemwana muduku nemunhu akachengetedzwa. Inogona kunyorwa zvakasiyana kana kuwedzerwa kune mutemo mukuru wekodzero.
- Zvikomborero Zvevashandi Chikwereti. Kuvhara zvinopesana nechechi yako iyo inokonzerwa nekukanganisa mukupa basa kubasa. Inogona kuwedzerwa kune mutemo mukuru wekodzero.
- Vadzidzisi Dare . Inovhara zvisakarurama, kusanganisira chirango chakanaka, chakaitwa nevadzidzisi vako pamusoro pevadzidzi.
- Mhirizhonga Mutoro Unowanikwa sechinhu chakasiyana. Inopa mimwe mitero pamusoro peavo vanopiwa nemitemo yenyu yepamusoro uye yepamusoro.
Business Auto
Machechi kazhinji ane motokari dzinoshandiswa kuita bhizinesi rebhizimisi. Vamwe vanopa motokari kumufundisi. Pamachechi akawanda, vanamati vanodzidzisa motokari dzavo panzvimbo ye sangano. Nokudaro, machechi akawanda anoda bhizinesi motokari yemitemo iyo inosanganisira kugoverwa kwevhesi vasina autos .
Mamwe machechi ane mabhasi kana mavhanisi zvavanoshandisa kutakura vechechi. Motokari dzakadaro dzinokonzera ngozi dzakawanda. Kuti vave nechokwadi chokuti vari kushanda zvakanaka, mabhazi nemavheni zvinofanira kuchengetedzwa zvakanaka. Kuchengetedza mutyairi wekusarudza uye kudzidziswa zvakare kunokosha. Cherechedza kuti bhazi kana van inotungamirirwa nehurumende yepamutemo kana ichifamba mhiri kwehurumende uye yakagadzirirwa kutakura vatasvi vanopfuura 15 (kusanganisira mutyairi). Kana iwe usingazivi kuti ndezvipi zvingada kushanda kune imwe motokari, bvunza vashandi vako kana mutengesi kuti akubatsire.
Vashandi Vemari
Machechi anoshandisa vashandi anowanzotarisirwa nemutemo kutenga vashandi mari yekubhadhara inishuwarenzi . Izvi zvinovimbisa kuti vashandi vanokuvadzwa pabasa vachawana zvikwereti zvavanenge vane kodzero pasi pemutemo wehurumende.
Mune dzimwe nyika, machechi haasunungurwi nezvinodiwa kuti atenge vashandi kupa mari yekuvhara . Kunyangwe kana kugoverwa uku kusingadiwi, chechi inofanira kufungidzira kuitenga iyo nokuzvidira. Kuzvipira mari yekuzvipira inoshandiswa senzvimbo yekudzivirira kutongwa kwemhosva. Inopa vashandi vakakuvara zvikomborero zvavangagamuchira kana vakave vakafukidzwa nemitemo yenyika. Mushandi anogamuchira izvo zvibvumirano akadziviswa kubvuma kumushandira.
Mamwe Inishuwarenzi Yaunofunga
- Utano Hutsva - kereke yako inogona kudikanwa kupa hutano inshuwarheni sechibatsiro kukwezva vafundisi kana kune vashandi vanogara kwenguva refu.
- Zvikwereti Zvikwereti - unogona kunge uchida kuva nevamwe vanozvipira vanoshanda nechechi mari yakabatanidzwa.
- Kufamba uye Munyika Dzakashanda - dhinhe rako rinogona kushumira kana kutumira mamishinari kune dzimwe nyika uye iwe uchada kufunga nezvekugoverwa kweiyo mabasa.
Basa Guru
Chinangwa chechikamu chino chiri pamachechi madiki. Machechi makuru anogona kudiwa zvakasiyana-siyana uye anogona kubatsirwa kubva kune zvimwe zvikamu zvekushanda kwavo ari oga-inshuwarheni. Makereke makuru anogona kushanda zvikoro, zuvacare, kana kuti nzvimbo dzekurega basa. Mabasa makuru akadaro angabatsirwe akawanda kubva kubasa rekwereti pane nzvimbo yejeri semamwe emabasa aya anoda huwandu hwekugovera huri hwavo pachavo.