Zvinosuruvarisa, mazano emabhizimisi akawanda haatauriri zvakakwana zvemakombiyuta uye maitiro akafanana.
Kune chimwe chinhu, tsanangudzo ye "chivako chakavharwa" inogona kusimbisa zvose kana zvikamu zvekombiyuta. Chechipiri, zvigadzirwa zvemagetsi uye deta zvinowanzokonzerwa nekukuvadzwa nematambudziko (sekudai simba rinowedzera) risina kubvumirwa nemitemo yakawanda yemapurisa. Chechitatu, mitemo yakawanda inopa "kuwedzera kuwedzerwa" kwezvinhu zvemagetsi, software, uye (mune dzimwe nguva) makombiyuta. Zvisinei, kuwanda kwekugoverwa kwakapiwa kunowanzonyanya kuderera.
Ichi chinyorwa chichatsanangura kukosha kwekombiyuta uye deta zvakaputirwa pasi pekupedzisira (2012) version ye ISO Building uye Personal Property Coverage Form. Vamwe vatsigiri vanoshandisa iyi fomu "sezvino" apo pavanopa mitemo yepfuma. Vamwe vakagadzira maitiro avo vachishandisa chimiro che ISO sekutanga. Vazhinji vatsigiri vezvikwata 'zvakafanana, kana zvakapfuura, kupfuura fomu yeIO.
Covered Property
Makombiyuta nemakironga emapurogiramu semapinduri uye vatariri vanofanirwa se "chivako chakavharwa" pasi peIO commercial business policy.
Zvinhu izvi "magetsi nemidziyo" saka vanoonekwa sebhizimisi pfuma yavo.
Kusiyana nekombiyuta hardware, zvisinei, software neyemagetsi hazvifukidzwi pfuma. Dhidhiyo yedhipatimendi yakabatanidzwa muurongwa hwe "pfuma isina kuvharwa" pasi peBusiness Personal Property. Dhidhiyo yedhidhi inotsanangurwa zvakazara.
Izwi iri rinosanganisira mashoko, chokwadi kana mapurogiramu epakombiyuta akachengetedzwa kana kana pamakombiyuta software, zvakaoma disks nezvimwe zviyero zvekuchengetedza. Isofisi inosanganisira zvose maitiro uye mapurosoft software.
Zvakare zvakabatanidzwa muurongwa hwe "chivako chisina kufukidzwa" ndiyo mari yekutsiva kana kudzorera ruzivo rwakarasika pamapepa anokosha uye zvinyorwa . Kuregererwa kunoshandisa kumabhuku maviri akaoma uye marekodhi uye avo varipo sehuwandu hwemagetsi. Mutemo unopa vamwe "kuwedzera kugoverwa" kwemari yekudzorera mapepa anokosha. Zvisinei, kugovera uku hakurevi pamapepa anokosha emagetsi .
Kunze Kwematambudziko
Makombiyuta, software uye data zvinokonzera kukanganisa nemhando dzakasiyana dzematambudziko (zvakadai semafashamo , kudengenyeka kwenyika nemhepo ine mhepo) iyo inogona kukuvadza kunenge chero ipi zvayo yeimba. Zvisinei, ivo vari kunyanya kunetseka kukuvadzwa nematambudziko ari pasi apa. Izvi zvinowanzoiswa kunze kwechimiro cheIOO uye mitemo yakawanda yevayisiki.
- Power Surge Inosanganisa kukanganisa kunokonzerwa nekugwinya kwemasimba, kana kubuda kunokonzerwa nekushaya simba kunotangira kubva panzvimbo yako. Nzvimbo dzinosvika panzvimbo yako dzakasarudzwawo kana dzichibva pamashandisi ekushandisa ari panzvimbo yako. Zvisinei, kana kuwedzerwa kwesimba kuchiguma munjodzi yakavharwa (yakafanana nemoto), chero kurasikirwa kunotevera kuburikidza nenjodzi iyo yakafukidzirwa.
- Kugadzikana Kwemagetsi Kunosanganisira kukanganisa kunokonzerwa nemagetsi, magnetic kana magetsi magetsi. Izvi zvinosanganisira magetsi emagetsi, mapurisa mashoma, uye static magetsi. Kana chimwe chezvinhu izvi zvinokonzera moto, pfuma inokonzerwa nemoto yakavharwa.
- Kushanduka kwekushanda Kunosvibisa kukanganisa kunokonzerwa nekuchinja kwekushisa kana humvu
- Kuparadzanisa kweMechanical Kunosanganisa kukanganisa kunokonzerwa nokuparara kwemagetsi , kusanganisira kukanganisa kunokonzerwa nesimba re centrifugal.
Electronic Data uye Software
IIOO purogiramu yemugove inopa "kumwezve kugoverwa" kwekuvhiringidza kwemashoko emagetsi . Yeuka kuti izwi iri rinosanganisira software yakachengetwa pamakombiyuta yako. Bhuku rinobhadharwa kuti mari inotsigire kana kudzorerazve dhidhiyo yemagetsi yakave yakasvibiswa kana kuparadzwa nenjodzi yakavharwa. Ndezvipi zvinotambudza zvakafukidzwa pamusoro pekugadzirwa kwemagetsi?
Mhinduro yacho inobva pane "zvinokonzera kurasikirwa" chimiro chakabatanidzwa pamutemo wako. Mazhinji emabhizimusi anotenga kuvhara kwose (izvo ISO inoshevedza "zvikonzero zvinokonzera kurasikirwa") panzvimbo pezvimwe zvinetso zvinotyisa. Kufunga kuti hurumende yako inosanganisira "zvikonzero zvinokonzera kurasikirwa," dhidhiyo yemagetsi yakafukidzwa nematambudziko anotevera:
- Zvimwe zvinokonzerwa Nekurasikirwa Iri ndiro izwi rinotsanangurwa rinosanganisira kupfuura gumi nemaviri zvinetso zvakasiyana semoto, mheni, chimvuramabwe , dutu uye sinkhole kuwira .
- Computer Virus Inovhiringidza kukanganisa kwemagetsi ehurumende inokonzerwa nemitemo inokuvadza kana mirayiridzo. Kunosanganisa kukanganisa kunokonzerwa nokushandiswa kwemakombiyuta ako neushandi, kusanganisira mushandi wenguva pfupi kana mushandi wemari .
Muganhu wakagadzirirwa kukanganisa kwezvinhu zvemagetsi ndeye $ 2,500 chete. Uyu ndiwo muganhu wekubatanidzwa unoshanda kune imwe nguva yemitemo. Kana iwe usingaiti nzvimbo yako yakakanganiswa, iyo inshuwarheni ichabhadhara mari yekutsvaga nhepfenyuro (yakadai sedare rakananga rokutengesa) iyo data yakachengetwa.
Purogiramu yako yepfuma inogona kupa zvakawanda kugovera makombiyuta, deta uye software pane fomu yeIOO. Mutengi wako kana mutengesi anogona kukubatsira kuti uone kana kugoverana kunosangana nezvido zvako. Kana zvikasadaro, iwe unofanira kufungidzira kutenga magetsi ekugadzirisa kushandiswa .