Chikonzero Chaunogona Kuchida
Mitemo inopomerwa inopomerwa inopomerwa zvipomerwa zvakaitwa pamusoro pekambani yako kana kuti chero ani zvake akachengetwa munguva yechirongwa. Havana kubhadhara zvikwangwani zvakaiswa mushure mekunge mavhareji apera.
Izvi zvinogona kuva zvinetso kana mvumo yako ichibviswa kana kuti isiri-inovandudzwa uye iwe hauna nzvimbo yekugadzirisa. Kana zvikwereti zvipi zvayo zvinopesana nebhizimisi rako mushure mokunge mutemo wako wapera, iwe unogona kunge uchibhadhara sehomwe yepasipo.
Matambudziko anogonawo kusimuka kana iwe ukatsiva chinangwa chakatorwa nehana chiitiko chekuitika . Chiitiko chepamutemo chinosanganisira zvikonzero zvinokonzerwa nekukuvara kana kukuvadzwa (kana chimwe chiitiko) chinowanikwa panguva yemitemo. Mhosva yacho inogona kuitwa panguva yematongerwo enyika kana nguva ipi zvayo pashure. Mitsva inotaura nezvekukuvadzwa kana kukanganisa kunoitika mushure mekunge kana mushure mekutonga kwenguva isati yavharwa. Muenzaniso unotevera unoratidza kuvhara kwekugoverana kunogona kuitika kana iwe uchichinja kubva pane zvinenge zvataurwa kudai kumutemo unoshanda pane zvinoitika.
Ngatiti iwe unotenga mutengo wegore rimwe chete-wakaitwa mutemo wekodzero yepamusoro nekutangira musi waJune 1, 2018. Mukuru wako wekuchengetedza anotsvaga mutemo wako musi waMarch 31, 2019, uye anohutora iwo nemutemo wekuitika.
Musi waMay 1, 2019, unogamuchira kuti chikwata chakaiswa kune iwe nekuda kwekukuvara kwemuviri kwakaitika musi waSeptember 1, 2018. Mutsva hauna kuvharwa nemitemo yako-yakagadzirirwa nekuti yakagadzirwa mushure mekunge mutemo wako wapera. Hazvifukidzirwi nemitemo yenyu itsva inoitika kana kubva kune mhosva yekukuvara kwakaitika zvisati zvaitika.
Imwe-Nzira kana maviri-Nzira Yemuswe
Mimwe mitemo inopa ERP chete kana iyo inshurense inogona kukanganisa kana kuti isati yadzorerazve mutemo wako, kana kuti inonyora kugoverwa kwako pasi pemutemo wechiitiko. Hapana inopa kana iwe (iyo policyholder) uchisarudza kuregedza kana kusina-kuvandudza kugovera kwako. Iko rudzi rwe ERP runonzi rwendo rwemumwe-nzira nokuti rwakapiwa chete kune inshurenti yaanosarudza. Mimwe mitemo inosanganisira misi miviri. Ndiko kuti, vanopa ERP kana iwe kana wako insurer anosarudza kuregesa kana kuti kwete-kugadzirisa hurongwa hwako.
Zvekare uye Zvekare ERPs
Mitemo inopomerwa inowanzowanzobatanidza nguva dzenguva pfupi dzenguva refu uye dzenguva refu. Miswe mirefu yenguva pfupi inowanzogoverwa kamwechete kana iyo inshurensi ichikwanisa kana kuti isati yadzorerazve mutemo wako. Inowanzopedza mazuva makumi matatu kana makumi matatu mushure mekunge mitemo yako yapera.
Vazhinji vati vatsigiri vanopa misi mirefu kwenguva refu. Izvi zvinowanzogoverwa kuburikidza nekubvumirwa . Muswe wenguva refu unoenda nemazita akawanda. Zvichienderana nemutemo, zvinogona kunzi Supplemental ERP, Zvichida ERP, Discover Period, kana kungowedzera Puroodhau Period. Chinhu chinosarudzwa che ERP chinowanzopiwa chete kana uchikumbira nekunyora uye uchibhadhara premium munguva yakatarwa, yakadai semazuva makumi matanhatu mushure mekunge purogiramu yapera.
Muenzaniso - ISO Yakatemerwa Nenzira
Shanduro yakagadzirwa-ye- ISO yemabhizimisi edzimhosva (CGL) inopa muenzaniso wakanaka wekuti ERPs ingashandise sei. Inyoyo inopa Basic ERP uye yega (Supplemental) ERP. Rimwe kana maviri ERPs anopiwa kana mutemo wacho wakabviswa kana usati wavandudzwa. Nhungamiro haitauri kuti ndiani anofanirwa kubvisa kana kusasarudzo kuitira kuti ERPs ive seiri miviri miviri. Chimwe chete kana zvose ERPs chinopiwa zvakare kana mutemo wacho uchatsiviwa nemitemo yezvakaitika kana nemutemo unoita kudai une zuva rekare rakadzoka shure pane chinangwa chiripo.
Basic ERP
ICGL inonzi yakataurwa inopa Basic ERP kamwe chete kana mutemo warambidzwa, isati yadzorerwa, kana kuti inotsiviwa sezvataurwa pamusoro apa. The Basic ERP inotora kwemakore mashanu kubva pakuguma kwepurogiramu. Inopa chikwata chemakore mashanu kutaurira zvikwereti zvinokonzerwa nechiitiko kana kukanganisa kwakazobvunzwa kune inshuwarisi munguva yemitemo kana mukati mememazuva makumi matanhatu pashure.
Izvi zvinoreva kuti kana chiitiko chikaitika munguva yehurongwa, chakanzi kune inshuwarisi mumazuva makumi matanhatu mushure mokunge chirongwa chacho chapera, uye chiitiko chacho chinopa chirevo, kudai kunofanira kuvharwa kana zvichitaurirwa mukati memakore mashanu ekuwedzerwa. Mhosva yacho inofanira kutsvaga kukuvadzwa kwekukuvara kwemuviri, kukanganisa kwepfuma kana kuipa kwevanhu uye kushambadzira .
Somuenzaniso, ngatiti iwe uri inshupiti pasi pezvakataurwa-CGL mutemo. Chiitiko chekutsvaga-uye-kugwa chinowanikwa panguva yezwi rako. Iwe unoshuma chiitiko ichocho kumubhadhari wako pazuva rainoitika. Kana hurongwa hwako huchapera, inshuwarisi yako inotora nzvimbo yacho nemutemo wechiitiko. Kana kukwidzwa kwacho kuchizoiswa pamberi pako pamusana pechiitiko chekutsvaga uye kwekuwa, kudai kunofanira kuvharwa neZvako ERP kana iwe ukariudza iyo inshuwarisi mukati memakore mashanu kubva musi wawakapiwa mutemo wako wekupomerwa.
Iko IE ERP inopawo mazuva makumi matanhatu kutaurira zvikwereti zvinokonzerwa nezviitiko kana zvikanganiso zvisina kuziviswa kumubhizimisi wako munguva yehurongwa. Somuenzaniso, fungidzira kuti chiitiko chechipiri chekutsvaira uye chikaitika chakaitika mukati mezwi remitemo yako-yakagadzirwa. Nhamo, iwe wakanganwa kuzivisa wako inshuwarisi. Kana chiitiko chechipiri chekunyengera-uye-kugwa chichiita chikwata, kudai iko kuchavharwa chete kana iwe ukariudza iyo inshuwarisi mumazuva makumi matanhatu kubva pazuva raunotora mutemo.
Supplemental ERP
Iko-iyo yakagadzirwa neIO fomu inopa mukana wokutenga Supplemental ERP. The Supplemental miswe inoshanda kana yako Basic ERP yapera. Nguva yaro isingagumi. Kana uchida kutenga Supplemental ERP, unofanira kuzivisa yako inshuwarisi nekunyora mukati mememazuva makumi matanhatu mushure mekunge mitemo yako yapera.
Kana iwe ukatenga muchengeti weAddingal under the claim-made CGL, wako insurer achadzorera chikamu chako chakazara. Izvi zvinoreva kuti muganhu weGeneral Aggregate mutsva uchashandiswa kune zvikwangwani zvataurwa panguva yeAdding Supplemental ERP.
Verenga ERP Zvinyorwa Nokuchenjera
Kuwedzerwa kwekupa mazano zvinoshandiswa zvakasiyana-siyana kubva pane imwe nheyo kuenda kune imwe. Cherechedza kusiyana neCGL yakarondedzerwa pamusoro apa, iyo mitemo yakawanda-yekutaura haigadziri muganhu wepakati pekutanga pasi pekutaura kwenguva yakareba. Uyezve, mashoma emitemo anopa nguva isingagumi yekuzivisa zvirevo. Mazhinji ERP anoshandisa nguva yakatarwa, yakadai semakore mashanu kana gumi.