Zvemabhizimisi Zvose Dare
Sangano re Commercial Commercial Liability (CGL) rinosanganisa mamwe maitiro ekubhadhara mhosva, kubhadharwa kwevashandi, mutoro wemhizha, mutoro unobatanidza nekushanda motokari kana motori, uye vatungamiri vekambani uye mutoro wevakuru vakuru. Izvi zvikwereti zvakafukidzwa nemamwe mazano akaumbwa.
ICGL inosanganisirawo zvose zvinyorwa zvitsvina. Makambani anoshandisa zvinhu zvinosvibisa mukugadzirwa kwekugadzira kana kuchengetedza kana kutakura ivo vanofanira kutenga mutemo unokosha wekuchengetedzwa kwezvakatipoteredza. Mabhizinesi mazhinji anochengetedza petoro panzvimbo yekuti ivo vashandise.
Nemhaka yokuti matangi ekuchengetedza anogona kuderera nguva, achibvumira kuti mafuta apinde mumatsime nemamwe emvura, mutemo wezvematongerwo enyika unoda kuti varidzi vematangi vave ne inshuwarisi kana kuti varatidze dzimwe nzira dzokubhadhara zvingareva. Uyewo kusabatanidzwa zvikwereti zvinokonzerwa nekukuvadza kune imwe nzvimbo yevamwe mubhizimusi, kutarisira, uye kutonga.
Izvi ndezvekuti kugoverwa kwekukuvara kwakadaro kwakafukidzwa pasi pemitemo yeimba.
Vagadziri vemiti yakagadzirwa pasi pekugadziriswa kwechigadzirwa, zvakadai sezvokudya kana matani, anofanirwa kufunga nezvekutenga mutemo wakananga kuvhara izvi. Mishonga inodzingwa kubva mumutemo weCGL nekuda kwemari inowanikwa mukuyeuka.
Chikamu chekutonga mamwe marudzi ehupfumi hwehupfumi kana kusakwanisa kupa maitiro akadaro kunogonawo kubviswa pamutemo weCGL, zvichienderana nehuwandu hweshumiro inopiwa. Zviito zvepamutemo zvisingasanganisi kubvunzwa kwomuviri, kukuvadzwa kwepfuma, kukuvadzwa kwepamwe, kana kukuvara kwekuparidzira, hazvifukidzwi.
Icho chirongwa cheCGL hachifukidze chibvumirano chikuru chemakakatanwa, zviito nehurumende dzinobhadhara kuti bhizinesi rakakundikana kurarama nemitemo kana mitemo, uye zvinokonzerwa nokusvibiswa. Mukuwedzera, kudai kwemitero yakadzoka kana chirango chokukundikana kupa nzvimbo yakachengeteka yebasa hakusimbiswa neCGL mutemo.
Kuvhiringidzika kunowanzoonekwa pamusangano wehutano yveshuwarenzi ndeyekutsvaga kwehupenzi kusina hanya kana kukanganisa nekusiya. Kana kukanganisa kunokonzerwa nekuregererwa kwakanyanya kune chikamu chekwereti kana mumwe wevashandi vavo kwakaguma nekusava nekukuvara kwemuviri, inshuwarisi yako yepamusoro yehutano haifaniri kufukidza sutu.
Bumbiro reMabhizimisi rinowanzosanganisira inshuwarisi yepamusoro yehutano inobatanidza kukuvadzwa kwemuviri, kukuvadzwa kwepamwe, kutyiswa kwepfuma , uye kukuvadzwa kwekuparidzira. Izvi zvinowanzobatanidza kutengesa kodzero yekodzero; kupinda kana kuvanzika; uye kupomerwa kwechimiro, zvakadai sezvinyengeri uye makuhwa.
Bumbiro reMabhizimisi wezvebhizimisi richavawo rinosanganisira inshuwalisi yemugove iyo inosanganisira zvose zvavo uye yevamwe 'inokosha yekutengesa pfuma.
Malpractice Coverage
Nzira yakajeka yehutano yehutano yehutano kune vanachiremba uye avo vyemhosva ndeyekupomerwa mhosva. Vakawanda vanopa utano hwezveutano vanoda kutenga unyanzvi hwehutano hwehutano. Zvinenge zvose zvese zvinoda kuti vanachiremba vane inshuwalisi yemhosva. Kunyangwe mune zvinyorwa zvisingaiti, vanachiremba vanowanzodikanwa kuva neinishuwarenzi kuitira kuti vawane ropafadzo yekuona varwere kuchipatara. Mune zvimwe zviitiko, zvisinei, vanachiremba vanogona kusarudza kuenda pasina kuvhara, asi izvi zvinowedzera ngozi.
Bhizinesi rezvemabhizimisi ehurumende inopa mhosva yakawanda inopa huwandu hwehupfumi hwekurasikirwa nekusimbiswa kwakafanana nekushanda uye nzvimbo yemhosva, mutoro wemitengo uye mutoro unokwana.
Zvisinei, vamiririri vanofanirwa kuziviswa nezvezvinogona kugoverwa zvisiri izvo zvinoita kuti kuderedzwa kwekutengeserana kubhadhara. Kurondedzera izvi zvisingabvumirwi chinhu chinokosha pakuzivisa zvakanaka vatengi kune zvose zvinobatsira zvekutengeserana kwezvokutengeserana uye apo zvikamu zvingada kutaridzirwa kuburikidza nedzimwe nzira.
Bhuku reApa rinopa hutano hunokosha hwemutemo uye hwemari kune muchengeti kana bhizimisi rekuita kwechipiri ichikonzera kukuvadza kune umwe wechitatu. Coverage B inochengetedza inshuwarisi kubva kune yega uye chero mutoro wekukuvadza-ane chokuita nekukuvadza. Coverage C inobhadhara chipatara uye chiremba mari yevamwe vanoitika vakuvadzwa panzvimbo yezvokutengeserana yehutsigiti, pasinei nemhosva.
Bhizinesi Kurongedza Chiitiko
Makambani akasiyana-siyana einishuwarenzi anotarisa mhando dzakasiyana dzemabasa e "bhizinesi," kunyange kana mabasa acho ari chikamu-nguva, kuzvipira kune imwe nguva kana kuenzanirana, zvakadai sebhiza bhiza, kutasva mazano, kutarisa pasi, kugadzirisa motokari, kutengeswa kweboti, kana kuchengetwa kwevana.
Vamwe vatsigiri vanogonawo kutarisa "kushandiswa kwebhizimisi" sekushandirwa kwebhizinesi nguva dzose kana basa. Vamwe havaiti. Vamwe vashandi vanoona nezvekuenderera mberi uye chinangwa chebhizimisi chebhizimisi sechinhu chinokosha vasati vaona kuti "bhizimisi kutevera" inobatanidzwa. Icho chiri chido chekuita zvinhu here kana kuti iyo inobatsira pabasa?
Mumiririri uye bhizinesi kugoverana kunzwisisa kwomubvunzi wezvinobva kune bhizinesi rebhizimusi rinokosha. Kuziva zvipingamupinyi uye zvigadziriswa zvingakwanise kuderedza zviduku izvi zvinogadzirisa vamiririri uye zvinogona kutungamirira kune hukama hunokosha hwekugara kwenguva refu uye dzakawanda zvekuvandudza. Kana mutengi achiziva kuti une musana wavo, ivo vachadzokazve, uye zvakare.