Vatori ve Renters 'nevaridzi vembavha havaiti mabhizimisi emusha. Pfungwa dzemunhu wega yega haifaniri kuvhara motokari yakashandiswa kwebhizinesi zvinangwa.
Mitemo yakawanda inoshandiswa nokuda kwe "kushanda kwemutemo", naizvozvo zvakakosha kuziva kana bhizinesi rako richibvumirwa kuva bhizinesi-bhizimusi munharaunda yako.
Kana iwe uchitamba bhizinesi kubva kumba kwako, zvakakosha kushanda neunishuwarenzi unyanzvi uye kutsanangura zvose zviri kuitwa iye zvino uye chero ipi zvayo inogona kushandiswa kubva pamba kuitira kuti ugone kuchengetedza zvakakodzera kugoverwa.
Chii Chinodiwa Chinodiwa?
Sezvo nebhizimisi chero ripi neripi, muridzi wacho anofanira kuongorora kuti ndeapi maitiro ebhizimisi achashandiswa uye zvikamu zvebhizimisi iroro. Iwe unogona kutarisa chinyorwa pane iyi site kuti ubatsire kuunganidza magwaro akakodzera. Funga uye upindure mibvunzo inotevera:
- Ko bhizimisi racho, richagadzira kana kugadzira chigadzirwa kana zvokudya?
- Ko motokari ingashandiswa mubhizimisi chero chinangwa here?
- Ndeipi midziyo yemagetsi ichashandiswa uye ichaita kuti michina yemagetsi inoshandiswa kumunhu oga, kwete bhizinesi rekushanda?
- Ichaita sangano remhizha richapiwa?
- Ko vashandi vebhizimisi vachauya kumba?
Kufungisisa mibvunzo iyi kuchabatsira kuziva kuti ndeapi mapeji ekugoverwa anodiwa kumabhizimisi epamba.
Business Property Insurance
Muzviitiko zvakawanda, bhizimusi rako rekumba rinodikanwa nebhizimisi property inshuwalisi. Bhizimusi pfuma yveshuwarisi inodzivirira kupesana nekurasikirwa kana kukanganisa kweimba inoshandiswa mubhizinesi
Kana, somuenzaniso, moto unowanikwa uye hofisi yako yeimba inoparadzwa, kombiyuta yako, fakisi yefeksi, kopi, firimu, uye mushanduri hazvizofukidzi pasi pemutemo weimba yako. Iwe unoda bhizinesi reimba yehupfumi kuti upe iyo kugovera.
Mabhizinesi anowanzodikanwa kuita sarudzo pamusoro pekuti vangatenga chaiyo mari yekutengeserana kwekubhadhara kana kushandiswa kwekubhadhara mari . Kune bhizinesi rekumba, kakawanda, mubhizimisi wemabhizimisi anofanira kuchengetedza replacement cost coverage uye kuvimbise neinishuwarenzi yavo kuti magetsi anonyatsovharwa pasi pemutemo. Zvechokwadi mari inokosha yemitemo inogona kuva nezvikwereti zvishoma, asi mabhizimisi akawanda emhuri haakwanisi kutenga mari yakaderera yekugadzirisa mushure mokurasikirwa kwakaipisisa.
Mhosva yeInishuwarenzi
Inishuwarenzi yemhosva inodzivirira bhizinesi iyo inokonzerwa nekukuvadza kunokonzerwa kune imwe kana imwe nzvimbo. Iko rudzi rwebhizinishuwarenzi bhizinesi rinodikanwa kana bhizimisi vaenzi vachishanyira imba. Purogiramu yevagari veimba yako haichakudziviriri kubva kumhosva dzakagadzirwa nevakuvara vebhizimisi vashanyi. Vashandi vebhizimisi vanobatanidza vanhu vanoendesa uye vatumwa. Kana munhu anotumira pasi achidonha ndokuwira pamatanho ako ekutanga achiita bhizimisi uye iwe unotarisana nemhosva yekukuvadza kwavo, mutemo weimba yepaimba haupei kugoverwa.
Professional Liability kana Mabasa Coverage
Vashandi vanoshanda kubva kumusha wavo vachiri kuda inyanzvi yehushuwarisi yemhosva yevashandi sevashandi vanoshanda kunze kwehofisi. Sezvo zvakananga sezvo izvi zvinonzwika, vashandi vakawanda havasi kuchengetedza unyanzvi hwehushuwarisi hwehutano pavanoshanda kunze kwemba yavo. Zvakakosha kuti iwe uedze uye udzivise chero zvikanganiso pakugovera. Semuenzaniso, kana uri kutendeuka kubva panzvimbo yakabhadhara kuenda kubhizimisi idzva remusha uye yako yepamberi-yakapiwa unyanzvi hwehushuwarisi hwehutano, ita zvose zvaunokwanisa kuti uwane kugoverwa kuchave kuripo nguva iyo kufambira mberi kwapera. Kunyange kana izvi zvichireva kusimbisa nguva yaunenge usingaiti nheyo (zvichida mushure mekuita pamuviri) miriyamu yako, munguva yakareba, inenge isisina mari shoma kunze kwekuvhara.
Product Liability Coverage
Mutengo wehupfumi hwekugadzirisa unodzivirira bhizinesi kana bhizinesi rikakodzerwa nekukuvadza kune munhu kana pfuma inokonzerwa nechigadzirwa chakapiwa, chakagadzirwa kana chakagadzirwa nekambani.
Kana iwe uchigadzira kana kupa chimwe chinhu, taurirana neunishuwarenzi yako pane zvinodikanwa zvekugoverwa uku.
Business Auto
Yako purogiramu yemotokari haifaniri kushandiswa kwebhizimisi yemotokari yako. Kana iwe uchizoita zvinotengeswa, shanyira vatengi, sarudza mapeji kana kuti shandisa motokari yako nechinangwa chebhizimisi uye iwe unopinda mutsaona, yako purogiramu yemotokari haichakufukidzi. Bhizimusi motokari haisi shoma uye inonyanya kukosha kana ukashandisa motokari chero chikonzero chebhizimisi.
Zvimwe Zvinyorwa uye Mafungiro
Nemhaka yekumuka kwenhamba yemabhizimisi epamba, vatsigiri vehutano vanoverengeka vari kutanga kupa zvimwe zvezvikamu izvi sezvibvumirano nevatasvi vematongerwo evanhodzi veimba. Zvimwe zvikwereti zvinopa mazano ehutano anobata zvose kumba nehofisi. Munhu webhizimisi wemusha anofanira kufananidza zvikamu izvi kune mari chaiyo yekuwana bhizimusi rakasiyana. Mumiriri wemabhizimisi wemusha anofanira kufananidza nekusiyanisa zvikamu zvinowanika pasi pemiti yakadai pakuenzanisa nekutsvaga sangano rebhizimisi rakasiyana. Dzimwe nguva zvigadzirwa zvinopa zvishoma zvishoma uye zvinounganidzwa pamwechete chete kuti zvive nyore.
Pakupedzisira, bhizinesi rekumba rinofanira kutevedzera mitemo yose, mahutano ehutano, mitemo, mitemo, uye mitemo. Kukundikana kuita izvi kungasava nekuvhara. Imabasa mitemo inofanira kuteverwa. Kana iwe uine vashandi, iwe uchada kubhadhara vashandi kubhadhara.