Dambudziko Rekudzivisa Paunenge Uchitenga Bhizimisi Inishuwarenzi

by Marianne Bonner

Kunyange zvazvo vadzidzisi vemazana emabhizimisi vari kazhinji nyanzvi mumunda wavo, vazhinji vanoziva zvishomanana nezveshuwarisi yebhizimisi Nekudaro, vashandi vebhizimisi vanogona kuita mhosho pavanotenga inshuwalisi. Zvimwe zvikanganiso zvinogona kuva zviduku asi vamwe vanogona kuva nemigumisiro yakakomba. Heano misungo gumi yekudzivisa kana uchitenga inshuwarisi yebhizimisi rako.

01 - Nguva dzose kutenga Mutemo Wakaderera Wakawanda

Zvikwangwani zvinogona kusiyana zvakasiyana kubva kune imwe inshuwarisi kune imwe saka zvinonzwisisika kutengesa kana uchitenga inshuwarisi. Zvisinei, vamwe varidzi vebhizimisi vanobva vachisarudza purogiramu inodhura. Iko kukanganisa. Vatengi vanofanira kunzwisisa kuti chinangwa chipi uye hachifukidze vasati vasarudza kuchitenga.

Paunenge uchitenga inshuwarisi yebhizimisi, bvunza sendimi yako kana kuti mutengesi kuti awane zvinyorwa kubva kune vazhinji vevaishuwarenzi . Zvadaro ongorora mazano acho zvakadzama. Iva nechokwadi chekuti iwe unofunga nezvemhando uye zviyero zvekugoverwa kwega rega inshuwarisi yakarongerwa mumashoko ayo. Mutemo unodhura hausi wekutengesa kana unobatsira zvishoma. Kana uchida rubatsiro kuenzanisa zvibvumirano bvunza sarudzo yako kana mutengesi kuti akubatsire. Chinangwa chako ndechokuwana kugovera kwakakodzera pamutengo wakakodzera.

02 - Kutenga Zvishoma Zvishoma Imba Inishuwarenzi

Vazhinji vadzimai vebhizimisi vanochengetedza zvivako zvavo nehupfumi hwavo pasi pekutengeserana kwemahofisi . Zvinosuruvarisa, havasi nguva dzose kutenga mitero yakakwana.

Kungofanana nevamwe vashandi vehurumende, unogona kufungidzira kuti chinangwa chinosanganisira kushandiswa kwekubhadhara mari inozobvisa mari yekugadzirisa kana kutora nzvimbo yako yakaora. Iwe unogona kunge usingazivi kuti hurongwa hwako huchabhadhara kupfuura chikamu che inshuwarisi. Kana mari yekugadzirisa kana kutsiva pfuma yakakanganiswa inopfuura chikamu, hurongwa hwako hahuzofukidzira kurasikirwa kwakakwana. Nhengo yako inofanira kutora kurasikirwa kupi zvako.

Iwe unofanirwa kuziva zvakare kuti mahofisi akawanda emitemo anosanganisira chero coinsurance clause kana kuti kubvumirana kwekugoverwa . Vose vanopa chirango chekusimbisa imba yako. Kana kurasikirwa kuchiitika uye iwe wakundikana kuchengeta huwandu huwandu hweinishuwarenzi, wako insurer haazombobhadhara chikamu chakazara che kurasikirwa. Kuvandudza nedzimba yako nemaune hakusi nzira yakanaka yekuchengetedza mari pamakambani ekubhadhara pfuma!

03 - Kubhejera paMuviri weChiremera

Pamwe chero bhizimusi chero ripi zvaro rinogona kugunzwa nemhosva. Mhosva dzisina kufanirwa. Vashandi vebhizimisi havagoni kufanotaura kuti ndiani achapomera musimboti wavo, apo zvigadziro zvichatsvitswa, kana kuti chiyero chevakashungurudzwa vachamutsvaga. Hapana anotarisira kupomerwa asi mhosva dzinowanikwa zvisinei. Chimwe chirevo chikuru chinogona kuisa kambani duku kunze kwebhizimisi.

Paunenge uchitenga mutoro mukuru kana inshuwarisi yemhosva yveshuwarisi , usaisa skimp pamiganhu. Kana iwe usina chokwadi kuti ingani yveshuwarisi yaunoda, bvunza mutengesi wako kana mutengesi kuti akupe mazano.

Cherechedza kuti vanotarisira varidzi venyika, vatengesi, uye vamwe vangaramba kuita bhizimisi newe kunze kwekuti iwe uine chikamu chiduku che inshuwarisi. Saizvozvowo, sangano rehurumende rinogona kuramba kubvisa mvumo yako yekuisa chiratidzo, kubata chiitiko, kana kuita mamwe mabasa panzvimbo yepasipo kunze kwekuti watenga chikamu chakatarwa. Mazuva ano, makambani mazhinji uye masangano ehurumende anoda chikamu che $ 1 mamiriyoni kana kupfuura.

04 - Kusarudza Chine Deductible Zvishoma

Deductibles inzira yezvokuchengetedza inshuwarisi . Vanobvumira vashandi vekuchengetedza mari kuchengetedza mari pamishonga yemishuwarensi kuburikidza nekubhadhara kurasikirwa kuduku kunze kwehomwe. Vanobvumirawo bhizinesi kuti varege kubhadhara mari yekugadzirisa zviduku zviduku.

Paunenge uchitenga pfuma yezvokutengeserana kana auto injodzi yekuvadzwa inshuwarisi , usati uchisarudze pasi rakaderedza. Iwe unogona kunge uchitenga inshuwarisi kupfuura iwe unoda. Pane kudaro, funga kuti iwe unotora mari yakawanda sei nekusimudza zvakabviswa kubva, taura $ 100 kusvika $ 250, kana kubva pa $ 250 kusvika $ 500. Sezvo mutemo wega wega, iwe unofanirwa kusarudza iyo yakakura deductible yako yakasimba inogona kunyatsotora. A deductible yakakwirira ichapa kukurudzira kuchengetedza zvivako zvako kubva pakuparara.

05 - Kusakwanisa Kuchinja Mukana Wako Sezvakaita Bhizimusi Rako

Zvizhinji zvebhizimisi zvinoshanduka munguva. Makambani maduku anokura, kuwana dziva idzva nekubhadhara vashandi vakawanda. Vamwe vanowedzera zvipo zvavo zvezvibereko apo vamwe vanoenda kune dzimwe nzvimbo nzvimbo. Apo mabhizimusi anochinja, inshuwarisi yavo inoda kuchinja zvakare. Nokudaro, vashandi vebhizimisi vanofanira kuchengeta vashandi vavo veshuwarenzi kusvika-pane-pane nezvekuchinja kwakaitika. Zvinosuruvarisa, vamwe vadzidzisi vemabhizimisi havaiti izvi. Mhedzisiro yacho inogona kunge isina kukwana inshuwarisi yekuvhara.

Nguva yakanakisisa yekudzokororazve inoshuwarenzi yako inoda mwedzi yakawanda mapurogiramu ako asati atsva. Sangana newadhiri wako kana mutengesi mumunhu kuitira kuti uwane tsanangudzo chero ipi zvayo yave yaitika pane yako. Mushandi wako anofanira kuongorora zvaunofunga uye zvikwereti kuti uone kana kuchinja chero kupi zvako kuchidiwa.

06 - Kusakwanisa Kuverenga Mitemo Yako

Zvakachengeteka kutaura kuti vashoma vemabhizimisi vanofarira kuverenga inshuwarisi mitemo. Asi, kudzivisa haisi nzira yakanaka yekugadzirisa njodzi. Iwe unofanira kuverenga mazano ako kuti unzwisise zvavanoita uye usingavha. Usamirira kusvikira kurasikirwa kuchiitika kutarisa mitemo yako. Iwe haugone kutenga kugoverwa kwekurasikirwa kusina kubviswa kwave kwatoitika.

Kunyange zvazvo ma inshuwarisi mazhinji emitemo akanyorwa mumutauro wakareruka, achiripo ane "lawese." Kana iwe uine dambudziko kunzwisisa mazwi, bvunza wumiriri wako wehushuwarisi kana gweta kuti akutsanangurire iwe mumatauriri e layman.

07 - Kusakwanisa Kuita Kuti Kurasikirwa Kwemari Kuve Nayo

Kufanana nevanowani vebhizimisi, iwe unogona kunge wakachengetedza zvinhu zvekambani yako zvakarasikirwa nekurasikirwa kana kukuvara pasi pekutengeserana kwepambani yemitemo. Zvisinei, iwe unogona kunge wakundikana kutarisa mugumisiro wakafanana wekurasikirwa kwenyama, kureva kurasikirwa kwemari.

Kana bhizinesi rako rakaparadzwa nemoto kana imwe njodzi, kambani yako inofanira kunge yakavhara kusvikira iyo yakagadziriswa. Bhizimisi rako harigone kubhadhara mari kana risina kushanda saka kuvhara kunogona kuva nengozi. Iwe unogona kubatsira kuongorora kuti kambani yako inopukunyuka kushungurudzika nokutenga bhizimusi mari yekuvhara . Ichi chinyorwa chinokubhadhara iwe pamari yaungadai yawana kana kurasika kwakanga kusati kwaitika. Inosanganisirawo mari yaunofanira kuramba uchibhadhara (kufanana nerenda kana magetsi) kana bhizinesi yako iri kushanda kana kuti kwete.

Bhizimusi mari inishuwarenzi inowanzogoverwa pamwe chete nekuwedzera mari inoshandiswa . Izvozvo zvinosanganisira mari yaunenge uchiita kuti udzivise kana kuderedza kuvhara kwebhizimisi rako shure kwekurasika kwepanyama.

08 - Kusungirirana Nomubatsiri Akafanana Kwakareba

Inishuwarenzi ndeyevanhu bhizinesi naizvozvo zvakakosha kuva neukama hwakanaka nemubhizimisi wako. Zvisinei, izvi hazvirevi kuti iwe unofanirwa kusunga pamwe chete nekambani yveshuwarisi nokusingaperi.

Kufanana nemabhizimisi ose, bhizimisi vanochinja pane nguva uye shanduko haisi nguva dzose dzakanaka. Zvikwata zvekutanga zvinogona kusimuka apo hutano hwebasa hunoderera. Mishonga inogona kunge isina kuchengetwa kusvika kune imwe. Imwe nyanzvi yemari yehupfumi inogona kuwira. Muchengeti wako wekushandira mari yebhizimisi rakafanana newe inogona kupisa. Kana iwe ukacherechedza shanduko yakaita seyiyi, pamwe inguva yekutengesa. Bvunza vashandi vako kana kuti broker nokuda kwezvinyorwa kubva kune vamwe vatsitsi. Iwe unogona zvakare kuedza kutenga kutenga inshuwarisi paIndaneti .

09 - Kusarudza Mutambi Wakaipa kana Broker

Mutengi wako kana mutengesi anowana mishoni pamisimamiro yaunobhadhara nekuda kwemishuwarenzi. Sezvo uri kubhadhara mabasa emunhu uyu, iye anofanira kunge achizadzisa zvaunoda.

Vamwe vashandi vebhizimisi vanoda kusangana nguva nenguva neavo avo. Vamwe vanoda imwezve nzira yekuita. Vamwe vanoda kusangana-ne-chiso kana vamwe vachida kutaura nefoni kana email. Pasinei nokuti iwe unofarira, wenzi wako anofanirana nemafambiro ako. Usanamatira kune munhu asina kukodzera kubva mu inertia kana kuti haufaniri kukuvadza manzwiro ake nekugumisa ukama. Kana iwe usiri kuwana zvauri kuda, tsvaga mumwe mujeri .

10 - Kukundikana Kunyatsoona Zvinyorwa kana Misha

Mitemo yakawanda inotarisirwa kuvhara, inonzi ainzi insureds , vanhu kana masangano ebhizimisi anoratidzwa mumashoko. Vanhu kana masangano asina kunyorwa pamutemo havafananidzi kuti anonzi insureds. Mutemo uyu unoshanda kune

mutoro mukuru, mutengesi auto , uye umbrella mazano . Kunyanya kutarisa boka rebhizimisi pamutemo rinogona kuva nemigumisiro yakaipa.

Somuenzaniso, fungidzira kuti ABC Inc. inogadzira candy. Nokuda kwezvikonzero zvemutero, ABC inogadzira chikamu chinonzi XYZ Inc. ABC zvino inotumira uwandisi hwekuvakira kwayo kwekugadzira kuXYZ. Vadzidzisi veAcc vanotenga mutemo wekutora iyo inonyora ABC semunhu anonzi insured. Vanokanganwa kuisa XYZ. Njodzi inowanikwa pafekitari, uye XYZ Inc. inopomerwa. Nemhaka yokuti XYZ haina kunyorwa pamutemo weBCC, ABC's insurer inoramba kubvisa kudai.

Matambudziko akafanana anogona kuitika kana nzvimbo dzebhizimisi dzisingabvumirwi kubva mune zvekutengeserana purogiramu. Yakawanda mitemo yepurazi inobata kurasikirwa kwemuviri kana kukanganisa kune chivako chakachengetwa panzvimbo yakatsanangurwa mumashoko ekuzivisa . Kana zvakakanganiswa pfuma iri panzvimbo dzisingaratidziki pamutemo, mhirizhonga ingasave yakafukidzirwa.