A binder inopesana nechikwereti che inshuwarisi . Chikwangwani chinoshanda sehupupu hwe inshuwarisi.
Inobhadharwa kuti ibatsirwe nemumwe munhu kunze kweiwo mazano. Inishuwarenzi binder, kune rumwe rutivi, inobudiswa kuti ibatsire mutengi weinishuwarenzi.
Kana iwe uchitenga inshuwalisi yekuvhara kuburikidza nemadhora ekuwedzera broker kana Lloyd's weLondon , unogona kugamuchira chinyorwa chekuvhara pane pane binder. C pamusoro pemashoko ndeyemwewo izwi rekuti binder .
Ndivanaani Vanopindirana?
A binder inogona kubudiswa nekambani ye inshuwarisi, kana neyemumiririri weinishuwarenzi pamubhizimisi. Nhengo inogona kubudisa binder chete kana iye ane kodzero yekuzviita. Kukura kwechiremera chinosunga sangano kunotsanangurwa mubvumirano pakati peejensi uye inshuwarisi. Chibvumirano chinogona kubvumira iyo sangano kuti isunge kugoverwa kwemamwe marudzi emitemo asi kwete vamwe. Nhengo iyo isina simba rekubudisa binder inogona kukumbira imwe kubva kune inshuwarisi.
Inishuwarenzi vatengesi havakwanise kuburitsa vanobatanidza nokuti vatengesi havana simba rinosunga (simba rokutanga inshuwarheni yekuvhara).
Kusiyana nevashandi vehushuwarisi, vatengi havaiti sevamiriri vevanishuwarenzi.
Mashoko Akapiwa
Vakawanda, asi kwete vose, bhizimisi vanobvisa mabhizimisi pane fomu yakazara. Nokuti iyo inyaya dzenguva duku, binder inopa hupfupiso yemutemo inomiririra. Chimiro chinowanzochengetwa chine rudzi rwehuwandu hwakataurwa pasi apa.
General Information
A binder anopa ruzivo rukuru pamusoro pekambani yako, yako insurer uye yako agent. Izvi zvinosanganisira:
- Zita rako remujiririri, kero nemashoko ekukurukura
- Zita rako rekambani nekero
- Zita re insurer yako
- Binder nhamba
- Binder nguva yakakodzera
- Nhamba yenhamba (ona chinyorwa)
- Tsanangudzo yemabasa ako, motokari kana pfuma inofanira kuiswa
Nhamba yebinder inoshanda kune binder chete. Haisi nhamba imwe chete iyo ichaonekwa purogiramu yako. Binder yako inonyora nhamba yehurongwa chete kana binder yakabhadharwa kuti iwedzere nguva yechirongwa chave chapera.
Semuenzaniso, ngatiti iwe unogamuchira tsamba kubva kune inshuwarisi yako inotaura kuti yakasarudza kurega kubhadhara vashandi mitemo yekubhadhara munharaunda yako. Tsamba yacho inosvika mazuva makumi matanhatu zuva rako risati rapera. Unoudza wako inshuwarisi kuti iwe unoda mazuva anopfuura makumi matanhatu kuti utenge kutenga. Muchengetedzi wako anotora binder achiwedzera kuparidzirwa kwemazuva makumi matanhatu mushure mekunge hurongwa hwako hwapera. Iwe zvino une mazuva zana makumi maviri ekuwana imwe yeruzivo rwekubhadhara kwevashandi.
Coverage Information
A binder inowanzogoverwa kuva zvikamu, zvakadai seBusiness Property , General Liability uye Workers Compensation. Pamhando ipi neipi yehuwandu hwaunotenga, binder inofanira kunyora zviyero zvakapiwa uye mafomu ekuparidzira achazobatanidzwa mumutemo wako.
A binder angatorawo mazano ekukosha .
Zvichienderana nezviitiko zvawakatenga, binder inogonawo kuratidza zvinotevera:
- Pfuma Inoputirwa (dzose-ngozi kana zvinetso zvakatsanangurwa), iyo inokonzerwa uye inoshandiswa mari
- Gwaro Rinotarisirwa Nheyo Nheyo dzekuparidzira ( kudaidzwa-kuita kana kuitika ). Kana kuvharidzirwa kwezvakaitwa-kuda kuitwa, zuva rekudzoka rinofanira kuverengwa kana imwe inoshanda.
- Kutengeserana Kwekuchengetedzwa Kwemabhizimisi Makirasi emotokari yakavharwa. Mienzaniso ndiyo chero motokari, motokari yemotokari, uye motokari dzisiriyo .
- Kutengeserana Kwekuita Kwepanyama Kuparadzisa Zvivharo zvakabatanidza (zvakakwana uye / kana kukakavara) uye iyo inodhakwa
- Kuwedzerwa Kwemhosva Mutemo wemapurogiramu (umbrera mutemo kana rumwe rudzi rwehuwandu hwematongerwo enyika).
Cherechedza kuti kana iwe uri kutsigira chivako kana motokari yakachengetedzwa nemutengo, chikwereti chako chinofanira kuonekwa pane binder.
Mamiriro ezvinhu
A binder kazhinji inosanganisira mamwe mamiriro . Semuenzaniso, inogona kutaura kuti inshuwarisi inorondedzerwa mu binder inoenderana nemitemo uye kukwana kwemitemo ikozvino inoshandiswa nemubhizimisi.
Vakawanda vanosungirirana vane zvigadziriro zvekuregedza. Kazhinji, anishuwarenzi anogona kubvisa binder yako kana ichitsigira kuti bhizinesi rako haringasviki zvarinotaura. Zvisinei, vasungwa vanozviisa pasi pemitemo imwechete iyo inotungamirira kuregererwa kwemitemo . Kana bhizimisi yako inokonzera binder, inofanira kukupa chishuwo munguva yaidiwa nemutemo. Kuchenesa zvinoda kusiyana kubva kune imwe nyika kuenda kune imwe nyika. Nenzira yakanaka, kuregererwa kwebinder hakusi nyore. Vakawanda vanobatanidza vanotsiviwa nemishuwarenzi .
Pakupedzisira, binder ingave nemamiriro ezvinhu anoshanda mune dzimwe nyika. Iyi mitemo ichashanda kwauri iwe chete kana bhizimisi rako richiita mune rimwe rematunhu akataurwa.