Business Insurance

Nhanganyaya yeInishuwarenzi Yebhizimisi

Mabhizimisi ose anotarisana nemukana wekutadza kurasikirwa. Kunyange zvazvo mabhizimisi makuru angave nemari yekuti mari yekuwana kurasikirwa kukuru, mabhizimisi maduku haaiti. Imwe kurasikirwa kukuru kunogona kuisa kambani duku kunze kwebhizimisi. Nokudaro, vadzidzisi vemadiki mabhizimisi vanofanira kuve nechokwadi chekambani yavo yakakwana inshuwarisi.

I. Mitemo yeInishuwarenzi Yebhizimisi

Bhizinishuwarenzi yebhizimisi inosanganisira marudzi akawanda ekuparidzira. Zvizhinji zvezvinyorwa zvinotengeswa nebhizimisi zvinowira muboka rinonzi Commercial Property / Casualty Insurance.

Izvi zvinosanganisira zvekutengesa pfuma, mutoro wemabhizimisi, motoro yemabhizimisi, uye vashandi penishuwarenzi.

Commercial Property Property Insurance

Dhizimusi pfuma inshuwarisi inochengetedza kambani yako kubva pamari yekurasikirwa inokonzerwa nekukuvadzwa kwezvinhu zvakadai sezvivako nemidziyo. Icho chikwata chekutanga chekuparidzira, zvichireva kuti inobhadhara zvikwereti zvakananga kwauri, iyo policyholder. Izvo zvivako zvinyorwa zvinowanzotengwa nemabhizimisi zvinotsanangurwa pasi apa.

Commercial Property Policy

Kana bhizimisi rako rine pfuma, iwe unogona kunge uchida zvekutengeserana purogiramu yemari . Inobatanidza zvivako zvaunenge uine, uye pfuma yako iwe pachako kana kuti unotengesa kune mumwe munhu . Iyo mitemo inobatanidza marudzi eimba inoshandiswa nemabhizimisi chaiwo, zvakadai sefenicha, zvishandiso, zvishandisi zvehofisi, zvigadzirwa, zvinhu zvakagadzirwa.

Kubudirira kukuru kwekutengeserana purogiramu yemapurisa ndiko kushanduka kwayo. Pane zvakawanda zvingasarudzwa pakusarudza kubva. Semuenzaniso, unogona kusarudza mazita akaoma kana "njodzi dzose". Iwe unogona kuchengetedza zvivako zvako zvichienderana nemari chaiyo chaiyo yekutengwa kana kuti iyo inoshandiswa mari inoshandiswa.

Zvimwe zvakasiyana-siyana zvinotsigirwa zviripo, saka unogona kuwedzera, kuwedzera, kana kubvisa chinyorwa sezvaunosarudza.

Bhizimusi Kubhadhara uye Zvimwe Zvimwe Zvinodhura

Mari yebhizimisi uye mari yakawedzerwa mari inowanikwa inowanzowedzerwa kune zvekutengeserana purogiramu. Kusiyana nehuwandu hwehupfumi hwezvinhu, hahufukidze kuparadzwa kwepfuma kune zvivako. Pane kudaro, vanofukidza miviri miviri yekukuvara kwepanyama, kureva kurasikirwa kwemari uye mari yakawedzerwa.

Bhizimusi mari inishuwarenzi inodzivirira kambani yako kupesana nekurasikirwa kwemari inogona kuitika kana bhizimisi rako rinomanikidzwa kuvhara nekuda kwekurasikirwa kwenyama. Somuenzaniso, moto unokuvadza imwe resitorendi yaunayo, uchikumanikidza kuti usiye kushanda kusvikira chivakwa ichigadziriswa.

Bhizinesi yako yemari yveshuwarenisi ichafukidza mari yaunowana iwe, usina kurasikirwa kwakaitika, pamwe nekuenderera mberi mari yaunofanira kubhadhara (yakadai segetsi uye renhare). Iyi kugoverwa dzimwe nguva kunonzi inshuwarisi yekushungurudza kwebhizinesi.

Zvimwe zvinodhura zvinishuwarenzi zvinoshandisa mari yaunoshandisa kuti udzivise kana kuderedza kuvhara kwebhizimisi rako maitiro mushure mekunge pfuma yako yakagadzirisa kurasikirwa kwenyama. Inobatanidza mari iyo inopfuura pamusoro pemari yako yakakwana. Semuenzaniso, chivako chaunoshandisa bhizinesi chako chebhabhi chakakanganiswa nesono . Chivakwa hachigoni kushandiswa kusvikira kugadzirisa kwagadzirwa. Mari yako yekuwedzera inshurensi ichavhara mari yako yekuwedzera yekukwereta nzvimbo yechinguva uye kusunungura midziyo yako ipapo kuitira kuti urambe uchiita basa rako rekubheka apo chivako chako chiri kugadziriswa.

Inland Marine Inishuwarenzi

Maitiro emabhizimisi mapurisa anotarisirwa kuvhara pfuma inoramba iri panzvimbo dzakasarudzwa. Vanopa huwandu hwekushandisa zvivako zvaunoshandisa kubva panzvimbo yako.

Iwe unogona kuisa pfuma inoshandiswa, yakadai semakamera, laptop makombiyuta, zvigadzirwa, nemichina yekuvaka, nokutenga inland marine coverage.

Kune marudzi mazhinji emitemo yegungwa. Rimwe nerimwe rakagadzirirwa kuchengetedza imwe rudzi rweimba. Semuenzaniso, chirongwa chemakontrakiti chinoshandisa zvigadzirwa zvemaoko, jenereta, mabhakesi nemimwe midziyo yaunoshandisa pazvivako zvekuvaka. Inotungamira yenyika inosvika pamba inosanganisira pfuma yaunotumira kumakambani mumakambani ako ane kambani. Kana ukashandisa pfuma inowanikwa mubhizimusi rako, unofanira kufungidzira kutenga inland marine inshuwarisi. Mutengi wako kana mutengesi anogona kukupa mazano pamusoro pehuwandu hwehuwandu hwakakodzera iwe.

Criminal Insurance

Utsotsi hwehupfumi hunochengetedza zvakasimba kurwisana nekurasikirwa kunokonzerwa nemabasa evapambi (kunze kwedziri vekambani kana vakuru). Izvo zvakagadzirirwa kuvhara zvimwe kurasikirwa zvisingawanikwi nematongerwo emabhizimisi emitengo. Semuenzaniso, maitiro akawanda emapurisa haabvumi uhu hunoshandiswa nevashandi. Vanodzivisawo kurasikirwa kana kukanganisa kwemari, mari, kuchengetedzwa, zvidhori zvezvokudya uye zvinhu zvakafanana.

Iwe unogona kuchengetedza wakasimba pakurwisa kushandiswa nevashandi vemari, kuchengetedzwa, kana imwe nzvimbo kuburikidza nokutenga mushandi wekuvhara . Kurasikwa kunokonzerwa nokuba (kusina kubatwa kwevashandi), kukanganisa kana kuparadzwa kwemari kana kuchengetedzwa kunogona kuiswa inshumo nemari uye kuchengetedzwa kwevimbiso .

Zvemabhizimisi Kuzvipa Inishuwarenzi

Inishuwarenzi yemhosva inodzivirira bhizimisi kubva pamhosva dzakapiwa nevatengi, vatengi, vashanyi, kana nhengo dzevanhu. Inishuwarenzi yemhosva inonzi yechitatu-kuparidzirwa kwepamusoro nokuti inosanganisira zvikwangwani zvakapiwa nomumwe munhu kunze kwoutsi. Kune mhando mitatu yemishuwarenzi yemhosva iyo inowanzozotengwa nemabhizimisi: mutoro mukuru, musamburira mutoro, uye kukanganisa uye kukanganisa kusungirwa.

General Liability Insurance

Imhosva yepamutemo inowanzoreva zvikwereti zvechitatu- zvemazana kana zvipikisano zvinopesana nebhizimisi rako nokuda kwekukuvara kwemumuviri , kuora kwepfuma kana kuparadza kwevanhu uye kushambadzira . Inochengetedza bhizinesi rako maererano nemhando dzakasiyana dzemhosva. Izvi zvinosanganisira:

• Zviitiko zvekukuvadza kwechikwata zvinokonzerwa nezviitiko zvekukanda-uye-kuwira panzvimbo yako

• Kukuvadzwa kwechikwata kana kuparadzwa kwemhosva kwepfuma kunokonzerwa nenjodzi dzinowanikwa panzvimbo yebasa
• Mhosva dzinokonzerwa nokukuvara kana kukuvadzwa kunokonzerwa nemishonga yako kana basa rakapedzwa
• Mhosva dzinopupurira nhema, kuchera , kusungwa kwenhema , kana kuparidzira kuipa

Umbrella Mhosva

Shanduro yebasa rekutengesa inochengetedza zvakasimba pakurwisana nematambudziko ekupomera mhosva. Inowanzopa muganhu we $ 1 mamiriyoni kana kupfuura. Amburera yako inofamba apo iyo yako huru yekuita mitemo yakashandiswa kumusoro mukubhadhara kwezvikwereti. Inofanira kupa ruzivo rwakapetwa kupfuura huwandu hwemhosva yako yose. Ndiko kuti, umburera wako inofanirwa kutenga zvinyorwa zvisingabatanidzwi mumutemo wako wekutanga. Kana iwe wakatenga mutoro wemotokari uye / kana kuti vashandi vemhosva yekuzvidzivirira, mushanduro yako inoshandiswa inofanira kushanda pane zvakadarika pamusoro pezvinyorwa zvacho zvakare.

Zvikanganiso uye Kuvhara Mhosva

Zvikanganiso uye kusvibiswa (E & O) inishuwarenzi yemhosva inosanganisira zvikonzero zvinomuka pamaitiro ako asina hanya kana kukundikana kwako kupa huwandu hwemazano kana kushanda nevatengi vako vanotarisirwa. Inonziwo inyanzvi yemishonga inshuwarisi. Iwe unogona kuda E & O inshuwarheni kana bhizimisi rako richiita basa kana kupa mazano kune vamwe mukuchinjana nemari. Mhando dzakawanda dzebhizimisi dzinotenga ichi chinyorwa, kusanganisira mapurani, injini, vadzidzisi, magweta, vavaki vekuvaka, uye vanyori. Mamwe mabhizimusi anotenga rudzi rwehupfumi yeE & O inonzi vatungamiri uye mapurisa ane mhosva yekuvhara .

Commercial Auto Insurance

Kana bhizimusi rako rinoshandisa autos, unoda kutengeswa kwekutengesa auto. Imwe mitemo yekutengesa motengesi inosanganisira mutoro wemotokari uye kukuvara kwepanyama kuvhara. Inogonawo kusanganisira pasina-mhosva , uye / kana kusingabatsiri uye kugadziriswa kwemotokari asina simba . Izvi zvinoshandiswa zvinotarisirwa mune dzimwe nyika uye zvinosarudzwa mune vamwe. Inyanzvi yekutengesa motokari inoshandiswa. Iwe unogona kuisa marori, motokari yemotokari yega, kana maviri pasi pehutano hwako. Iwe unogona kuisa motokari yemunhu oga, kana zvikamu zve autos, zvakadai se "autos owned" kana kuti "motokari yakabhadharwa ."

Usafungidzira kuti iwe pachako purogiramu yemotokari ichaita zvipikisana nebhizimisi rako. Mitemo yega inogadzirirwa kuvhara vanhu nevemhuri dzavo, kwete masangano emabhizimisi. Izvo zvinewo zvisarudzo zvezvinhu zvakabatana nebhizimisi.

Vashandi Vekubhadhara Inishuwarenzi

Vashandi vanobhadhara inishuwarenzi zvinomirirwa mune dzimwe nyika. Kana bhizinesi rako rachishanda vashandi, iwe unogona kunge wakamanikidzwa kutenga vashandi kupa mari yekugadzirisa.

Kutaura mitemo yemishandisirwo yevashandi vanogadzirisa kuwirirana pakati pevashandi nevashandi. Kana vashandi vanozadzisa mugumo wavo wekutengesa nekutenga vashandi inshuwalense yevashandi, vashandi ((kunyanya) vanodziviswa kubva kuisa zvipfeko zveku -ku-kukuvara kwebasa.

Bumbiro remari yevashandi rinosanganisira zvikamu zviviri. Chikamu Chekutanga, Vashandi Vekubhadhara Inishuwarenzi, vanobhadhara zvigaro zvakatemwa nemutemo kuvashandi vakakuvara pabasa. Chikamu Chepiri, Vashandi Vechiitiko , vanochengetedza musimba wenyu pakurwisana nemhosva nemabasa ekukuvadzwa. Vashandi vemhosva vanobhadhara zvinokosha nokuti mitemo yebhadharo yevashandi inosanganisa vamwe vashandi.

Zvimwe Zvinyorwa

Mukuwedzera kune pfuma / kuurayiwa kwehupfumi kunotsanangurwa pamusoro apa, firm yako inogona kutenga mushandi anobatsira. Mienzaniso inishuwarenzi yehutano, inshuwarisi yepanyama, uye chirongwa che 401K. Mabhizimisi mashomanana akawanda anopa zvikomborero zvakadaro kuvabatsira kudzidzira uye kuchengeta vashandi vane unyanzvi.

Mamwe mabhizinesi anotengawo munhu anokosha inshuwarisi . Izvi zvakachengetedza bhizinesi mushure mekufa kana kuremara kwekakosha mukuru kana mushandi . Inogona kusanganisira mararamiro ehupenyu, mutemo wekuremara, kana zvose.

II. Kutenga Bhizinesi Inishuwarenzi

Kunyange zvazvo vamwe vatsigiri vekutengesa vanotengesa mitemo zvakananga kuvatengi, vazhinji vanoparadzira zvigadzirwa zvavo kuburikidza nehushuwarisi vashandi nevatengi . Kana uchida inishuwarenzi uye usati watoita hukama neyemukati wemubhorensi, izvi zvinofanira kuva danho rako rokutanga. Tsvaga mujeri kana mutengesi ane chibvumirano chekutengesa pfuma / kuurawa kwehutano. Anofanira kunge achiziva nezvemabhizimisi ako. Paunenge uchitsvaga mazano, heino mamwe magwaro ekufungisisa:

• Bhizimisi vashandi pamwe neshamwari
• Masangano ezvematongerwo enyika kana zvebhizimisi
• Mhuri neshamwari
• Makambani emahofisi eInishuwarenzi

Vamwe vadzidzisi vemabhizimisi vaduku vanogona kuda kutenga inshuwarisi paIndaneti . Kutenga Indaneti kunonyanya kukosha sezvo mawebsite anoshandisa nguva dzeawa. Uyezve, mitemo inotengwa paIndaneti inogona kuva yakaderera kupfuura iyo inowanikwa kuburikidza neanoshanda kana mutengesi. Zvisinei, mutengesi wepaIndaneti haabviri kupa huwandu hwehutano senhare iyo unosangana chiso nechiso. Iwe unofanirwa kudzivisa kutenga mazano mumutambo kana bhizimisi rako riri idzva, kana kuti iwe usingazivi kuti zvipi zvaunoita bhizinesi zvinoda.

III. Mari YeInishuwarenzi

Mari yako ichasvika mari yakawanda sei? Mubvunzo iwoyo wakaoma kupindura. Mutengo wamunobhadhara mutemo unotsanangurwa nezvakasiyana-siyana. Heano mamwe acho:

• Mamiriro Ebhizimisi Rako: Mitengo inowirirana zvakanyanya kudhipatimendi. Kugadzira miti kunotyisa kune zvokutengesa zvekugadzira, saka muti unogadziridza huchabhadharira mari yepamusoro uye yevashandi inshumo yekusvitsa kupfuura yechitoro chekugadzira.
• Makore muBhizinesi: VaInishuwarenzi vanosarudza kuvhara mabhizimisi ane ruzivo rwakabudirira. Izvi zvinoreva kuti kutanga kunogona kubhadhara mari yeinishuwarenzi kupfuura yekambani yakasimbiswa.
• Kurasikirwa Nhoroondo: VaInishuwarenzi vanovimba nemararamiro avarasikirwa kare kuti vatarise remangwana kurasikirwa kweruzivo. Nokudaro, mabhizimisi ane hupfumi hwenhoroondo yakawanda inowanzobhadhara zvishoma kune inshuwarisi pane avo vane kurashikirwa mune zvenhoroondo.
• Nzvimbo: Inishuwarenzi yemitengo yakasiyana kubva kune imwe nyika kuenda kune imwe nyika, uye neguta kune rimwe guta.
• Type of Coverage: Rudzi rwehuwandu hwehuwandu hwehuwandu hwehuwandu hunoita kuti iwe ubhadharwe. Kupararira kwepamusoro kunowedzera zvinopfuura kudarika kuparidzirwa.
• Inishuwarenzi: Vamwe bhizimisi vanobhadhara zvishoma kana kupfuura kune vamwe. Paunenge uchitenga mutemo, bvunza mujeri wako kuti awane zvinyorwa kubva kune vambisi vehutsigiri.