Makambani emakambani akasiyana nemhando dzakawanda dzebhizinesi-pfuma yekuti mune zvese. Kusiyana, taura, chivako kana kuti zvisizvo zvehofisi, masangano emakambaniki haagari panzvimbo yako. Inotorwa kubva pane imwe nzvimbo yebasa kune imwe.
Makambani ekugadzirisa zvinogona kutyiswa nemarudzi akasiyana-siyana ematambudziko. Izvi zvinogona kusanganisira mheni, kuputika kwemvura , mafashamo , uye chimvuramabwe . Zvimwe zvikamu zvemichina zvinogona kunge zvakakosha zvikuru. Kana zvakakanganiswa kana kuparadzwa, zvinhu zvakadaro zvingava zvinodhura kugadzirisa kana kuchinja.
Kwete Akafukidzirwa neHurumende yePaul Policies
Mhando yepamusoro yezvokutengeserana purojeti yakagadzirirwa kuvhara pfuma yakagadzirirwa pane bhizinzvimbo yako. Inobatanidza bhizimusi rako rega pfuma yako, kusanganisira midziyo nemichina, iri panzvimbo yako kana mukati maro marefu (akadai mamita 100). Iyo haina kuvhara zvishandiso, zvigadzirwa kana imwe nzvimbo inenge iri kure neimba yako. Iwe unogona kudzivirira bhizinesi rako pamusoro pemidziyo yekurasikirwa nokutenga makontrakisi ekugadzirisa zvinhu .
Contractors Equipment Coverage
Contractors equipment coverage inowanzotumidzwa se "float" sezvo yakagadzirirwa kuvhara imba inofambiswa. Inogona kunyorwa yoga, yakawedzerwa purogiramu yemiti, kana kusanganiswa nezvimwe zvikamu zviri pasi pechirongwa chepakati.
Vatsigiri vakawanda vanopa makambani ekugadzirisa zvigadzirwa vachishandisa maitiro epreprinted mapeji akabudiswa neIO kana AAIS (sangano rezano rehushuwarisi rakafanana neIOO). Vamwe vatsigiri vezvematongerwo enyika vakagadzira mafomu avo emitemo.
Bhokisi kana Chirongwa Chigadziriswa
Contractors mafomu mafomu anogona kupa kugoverwa kwakarongeka, kuvhara magomba, kana kusanganiswa kwemaviri.
Kugadziriswa kwakarongeka kunoshanda chete kune zvinhu zvakanyorwa pane purogiramu. Urongwa hwehupfumi hwakavharidzirwa hunogona kubatanidzwa purogiramu yako kana "pane faira" nemubhizimisi. "Pafaira" zvinoreva kuti yako inshuwarisi iri kuchengetedza mhando yezvinhu zvakavharwa zvichibva pane zvawakapa.
Apo inishuwarenzi inoshanda pahombodo, chirevo chinotakura zvinhu zvose zvinosangana nekutaura kwe "pfuma yakavharwa". Zvinhu izvi zvakafukidzirwa kana kana zvisina kunyorwa pane imwe nguva.
Vakawanda vehutsigiti vanopa kubatanidzwa kwezvakarongwa uye kuvhara chigadziko. Paunotenga mutemo, iwe unopa insurer yako urongwa hwezvishandiso uye zvigadzirwa zvaunoda kuvimbisa. Nhamba yacho inowanzobatanidza kuita, mhando, nhamba yenyaya, uye kukosha kwechinhu chimwe nechimwe. Mukuwedzera pane zvinhu zvakarongerwa, mutemo wako unogona kuvhara zvinhu zvisina kunyorwa zvichienderana nemuganhu wakatarwa.
Value uye Coinsurance
Sangano rekugadziriswa kwemakambani rinogona kubhadhara kurasikirwa kunobva kune imwe yenheyo mbiri: iyo chaiyo mari yezvinhu zvakaparadzwa, kana kuti mari kana kugadziriswa kana kuigadzirisa. Bhuku rinotarirwa pamusoro pekubhadhara mari rinoita kuti rive nani, asi rakashata, kudzivirirwa pane kugoverwa kunoenderana nemari chaiyo yemari.
Mitemo yakawanda inosanganisira chikamu coinsurance . Vamwe vatsigiri vese vanozosiya chikamu ichi kana iwe uchitenga kugovera pane zvakabvumirana .
Zvakafukidzwa Zvinetso
Vazhinji vekoriniti midziyo yemitemo inovhara kukanganisa kune inshupu yeimba inokonzerwa nehuwandu hwezvimwe zvinetso, kusanganisira mafashamo uye kudengenyeka kwenyika . Zvinyorwa zvinowanzofukidza "njodzi dzose," kureva zvinetso zvose zvisingatauri zvakananga. Mitemo yakawanda inosanganisa zvinetso zvinotevera:
- Nyukliya nengozi
- Hondo
- Mabasa nehurumende
- Zviito zvemupfumi zvakaitwa newe kana mushandi
- Kuora, fungus , dziya, kushandiswa kwemagetsi, kukuvadzwa kwegetsi, uye kupfeka uye kubvarura. Zvisinei, kurasikirwa kunotevera nehutachiona hunogona kuvharwa.
Deductible
Zvinenge zvese makambani ekugadzira mapurisa emitemo anosanganisira deductible iyo inoshanda kune umwe neumwe kurasikirwa. Iyo deductible inogona kunge yakadzika dollar yakawanda kana chikamu chekukosha kwezvinhu zvakakanganiswa.
Makambani ekugadzirisa zvinhu ari pasi pekuba. Izvi zvinonyanya kuitika pamichina yakakura, iyo inowanzosiyiwa panzvimbo dzebasa kusvikira mapurojekiti apera.
Vamwe vatsigiri vese vanozosiya zvose kana chikamu chechikwereti chichitevera kurasikirwa kwebasa kana chinhu chakabiwa chiine chigamba che GPS kana chakanyoreswa neNational Equipment Register.
Leased Equipment
Kufanana nevatengesi vazhinji, unogona kukodha midziyo kubva kune umwe munhu. Imba yekutengesa zvinowanzoita kuti iwe, muridzi wembairo, unokweretera kukanganisa kwemidziyo inowanikwa munguva yekubhajisa. Nenzira yakanaka, vazhinji vekonjikidzi midziyo mitemo inosanganisira kugoverwa kwemidziyo yaunoshanyira kubva kune vamwe.
Iwe unogonawo kuva nemidziyo yaunoshandisa kune vamwe. Zvimwe zvikwangwani zvipfeko mafomu anovhara kukanganisa kunoitika apo imari yako yakabhadharwa kune imwe sangano. Kana iwe uchikwereti chivako kune vamwe, iva nechokwadi chekuti chinangwa chako chinosanganisira ichi chinyorwa.
Akawedzera maChechi
Vakawanda vekambanikoni michina mitemo inosanganisira zvinyorwa kana zvakapetwa zvisati zvataurwa pamusoro apa. Mamwe aya aya akanyorwa pasi apa. Mumwe nomumwe angave akazviisa pasi pemiganhu yakananga kana zviremera.
- Nzvimbo itsva inotengwa
- Zvishandiso zvevashandi
- Kushandiswa kwemari inoramba ichienderera kana zvigadziriswa zvisingachagoni kushandiswa
- Kusvibiswa kunogadzirisa
- Moto wedhipatimendi rekushandira mari uye mari yekugadzirisa midziyo
- Kurasikirwa kwemari . Ichi chinyorwa chinogona kuwanika kuburikidza nekubvumirwa .