Kushungurudzwa kwebhizimisi ndechimwe chikamu chemabhizimisi inshuwarisi chinosanganisira zvakasiyana-siyana zvinotarisirwa zvivako. Inosanganisirawo zvishomanana zvipfeko zvepfuma izvo
Mipumburu Inosanganisira Mukutengesa Kwemabhizimisi
Kune marudzi mazhinji ezvitoro zvemari yveshuwarisi . Hezvino ndiyo inonyanya kutengwa nemabhizimisi.
- General Liability Insurance . Iyi ndiyo inyanzvi yemishonga inshuwarisi yemhosva. Inochengetedza mabhizimusi kubva kune zvikwereti kana zvikwereti nevatengi, vatengi, uye vamwe vatatu vari kukuvadzwa mumuviri , kuora kwepfuma , kana kukuvara kwevanhu pachavo uye kushambadzira .
- Zvikanganiso uye Kupererwa Kwemishuwarenzi . Iyo inonziwo inyanzvi yehushuwarisi yemhosva, izvi zvinotarisirwa kune chero bhizinesi rinoita basa kana kupa mazano mukutsinhanisa mari. Mienzaniso miviri inyanzvi yezvehutano uye vateereri E & O inshuwarheni.
- Kutarisirwa Kuita Inishuwarenzi . Ndiyo nhengo yehutano yeE & O iyo inosanganisira ngozi dzekutarisira bhizinesi. Inosanganisira vatungamiri uye vakuru vakuru vemhosva , basa rekuita basa, uye fiduciary dability coverages.
- Cyber Liability Inishuwarenzi . Pane imwe nguva inotengeswa chete nekambani dzesayenzikiti, inshuwarisi yekuchengetedzwa kwebhiyo ikozvino inoda yezvizhinji zvemabhizimusi.
- Vashandi Vekubhadhara Inishuwarenzi . Inotarisirwa kuparidzirwa mune dzimwe nyika. Anotarisa zvikwereti zvinotarisirwa nemutemo kuvashandi vakuvadzwa pabasa.
- Vashandi Vanokwereta Inishuwarenzi. Izvi zvinowanzobatanidzwa mubato rekubhadhara vashandi. Mune zvinyorwa zvinyorwa , zvisinei, zvinowanzo kuburikidza nekubvumirana .
- Commercial Auto Insurance. Inosanganisira mutoro wemari yekutengeserana , uye zvimwe zvakabatanidzwa zvinosanganisira mubhizinesi rega auto motemo.
- Kunyanya Chikwereti . Inosanganisira umbrella wekutengeserana uye mitemo yakawanda yemhosva. Zvose izvi zvinopa miganhu yakawedzerwa, asi mavulegi chete anowedzera kupararira kupfuura mazano epamusoro.
- Kwenyika Dzepasi Pose Inoshuwarenzi . Kukuvadza kunokuvadza kunowanikwa kunze kweUnited States Kunosanganisira kutorwa kune dzimwe nyika, motokari yekunze kune dzimwe nyika, uye kune dzimwe nyika vashandi vanobhadhara mari .
- Specialty Coverage s. Fukidza zvinyorwa zvakasiyana nedzimwe mabhizinesi. Mienzaniso ndiyo inishuwarenzi yechirangaridzo , mvumo yevhidhiyo , uye mutarisiri wezvokuchengetedza
Inosanganisira Zvimwe Zvikamu Zvokutanga-Chikamu
Mamwe marudzi einishuwarenzi anotaridzirwa kuurayiwa zvinyorwa kunyange zvazvo asingatauri zvikwereti zvechitatu. Chimwe muenzaniso ndeyekutengeserana kwehutukutu hwehutano hwehutano. Iyi kugoverwa inonyanya kuve rudzi rwehurumende inshuwarisi sezvo inodzivirira bhizinesi rinopesana nenyama kukuvara kwezvinhu (autos) bhizinesi rayo. Auto inshumo yekuvhura inshuwarheni inorondedzerwa sekuparara kwekuparara nokuti inowanzogoverwa pamwe chete nekutengesa bhadha yemari inshuwarisi.
Kune dzimwe mhando dzemotokari yemotokari iyo inofungidzirwa kuti inouraya zvivako kunyange zvazvo isingashandisi kune chikwereti chechitatu.
Izvi zvinosanganisira musikana asina kuvimbiswa uye asina simba uye pasina-mhosva. Unofanirwa nemotokari (UM) kuvharidzirwa kunodzivirira iwe pangozi dzemotokari dzinokonzerwa nevatyairi vasina chikwereti cheshuwarisi. Underinsured motokari (UIM) kuvharidzirwa kunodzivirira iwe apo mutyairi wepa-mhosva ane imwe inshuwarisi, asi muganhu hauna kukwana kuvhara kurasikirwa kwako. Zvose izvi zvakasanganiswa yekutanga uye yechitatu-mapato ekuvhara. Vanobhadhara zvinokuvadza kune vanochengetwa nekuda kwekukuvadzwa kunokonzerwa nemutyairi asingabatsiri.
Hapana-mhosva auto inshuwarima inobhadhara zvikwereti kune mumwe akakuvadzwa kana munhu akakuvara kana mumwe munhu akanganisa njodzi yacho. Kunyange zvazvo mitemo isina mhosva-inowanzobvumira zvikwereti zvemazuva matatu mune mamwe mamiriro ezvinhu, hapana-maitiro anobatsira (anowanzoti kudzvinyirirwa kwomunhu oga) anobhadhara pasinei nemhosva.
Vashandi vanobhadhara inishuwarenzi vanowirawo pasi pechikwata chekuparara kwehutano kunyange zvazvo hachisi chaicho chekuvhara mari.
Inobhadhara zvikwereti kune vashandi vakakuvadzwa mubasa pamusana pekukanganisa. Vashandi vakakuvadzwa havadi kuisa mhosva kune avo vashandi kuti vawane mari yekubhadhara vashandi .
Aimbova Akabatanidzwa
Mamwe marudzi einishuwarenzi aifungidzirwa kuti akaparadzana mune zvekare asi iye zvino akaiswa sehupfumi hwehupfumi . Izvi zvinosanganisira kuparwa kwemhosva, uye mabhuku ekugadzirisa magetsi.
Utsotsi hwehupfumi hunochengetedza bhizinesi pakurasikirwa kana kukanganisa kwenyama, kusanganisira mari, inoitwa nevaradzi. Mienzaniso yehushuwarisi yehupfumi ndeyevhavha yevashandi, uye mari uye chekuchengetedzwa kwevhudziro. Yakare "bhendi nemichina" inshuwarisi yakawedzerwa uye inonzi zvakare kushandiswa kwemishonga inshuwalisi . Inopa kudzivirirwa pakurasikirwa kana kukanganisa kunokonzerwa nokuparara kwemichina kana midziyo, yakadai sefriji kana moto.
Mhosva Mapeji Anotsanangurwa seNzvimbo
Zvishomanana zvinyorwa zvinokodzera sehupfurisi yemapurisi kunyange zvazvo yakavhara mhosva yekuisa pachena. Muenzaniso ndeyekodzero yemishurensi yemhosva. Izvi zvinochengetedza vashandi vasingapomerwi mhosva dzinowirwa nevaridzi venyika nekuda kwekukuvara kwekukuvara kweimba yakarasikirwa. Mhosva yepamutemo yepamutemo ine zvinhu zvezvose zvinokwanisika uye pfuma yveshuwarisi. Inovhara mhirizhonga iyo iyo inshuti inobhadhara pamutemo nekuda kwekurasikirwa kwepanyama kunzvimbo yakavharwa. Kuti kurasikirwa kuve kwakafukidzirwa, kunofanirwa kuburikidza nekukuvara kunokonzerwa nenjodzi nechikonzero chakakonzera kurasikirwa (nengozi).
Kungofanana nemitemo inobhadhara, inishuwarenzi yemhosva yechipatimendi inoshandisa mari iyo insurer inowedzera kuchengetedza vatsigiri vepamutemo. Izvo zvinodhura, zvinonzi Supplementary Payments , zvinowanikwa mukuwedzera kumiganhu yechirongwa.
Sure Bonds
Chisungo chechokwadi hachikwanisi kuita sepfuma kana kuparara. Zvechokwadi zvisungo ndeyevimbiso yekushanda, kwete hurisivo yeinishuwarenzi. Vanofanira kutengwa kubva muvimbiso, kwete inshuwarisi. Kunyange zvakadaro, zvakawanda zvivako / kuurayiwa kwevashandi vanopa zvibvumirano kuburikidza nemakambani masimba anoshanda sevimbiso.