Kwete Purogiramu Yakawanda
Kubudiswa kwe EDP kunoenda nemazita mazhinji. Mienzaniso ndiyo Computer Coverage, uye Data Processing Coverage.
EDP inshuwarheni inogona kunyorwa pachayo, kana kuwedzerwa kune imwe nzvimbo kana purogiramu yemapurisa kuburikidza nepepeji yakasiyana kana kugamuchirwa.
EDP mitemo yakasiyana zvikuru. Vamwe vatsigiri vanoshandisa fomu yeDAP yakagadzirwa yakabudiswa neAAIS (sangano rinofanana neIOO ). Vamwe vazhinji vanoshandisa maitiro avakazvigadzira ivo pachavo. Heano mimwe mibvunzo yaunofanira kubvunza kana uchitenga zvekuvhara kwe EPD:
- Ndeapi mapeji nemashandi akafukidzwa nemutemo?
- Ndeipi matambudziko akafukidzwa? Ndezvipi zvakabviswa?
- Iko hardware, data uye software yakavharwa kukanganisa kwakakonzerwa nemavirusi uye kuvhara?
- Ko kukosha kwezvinhu zvakakanganiswa kunoratidzei?
- Iro chirongwa chinovhara kurasikirwa kwemari uye mari yakawedzerwa here?
- Ndezvipi zvimwe zvinyorwa zvinowanikwa?
Covered Property
Mazano eDPP akawanda anovhara kukanganisa kumichina, deta nezvimwe zvinhu zvinotsanangurwa mune chikamu chakanzi Covered Property. Zvinyorwa zvinowanzovhara zvitatu zvepfuma: makombiyuta nedzimwe shanduro, magetsi, uye data (kusanganisira mapurogiramu uye software).
Hardware
Computer hardware inosanganisira midziyo yakadai sewe mainframe makombiyuta, makombiyuta uye zvivako. Zvichienderana nemutemo, zvinogonawo kusanganisira mapikicha, scanners, foni, uye air conditioning equipment yakachengeterwa makombiyuta chete. Kana uchitenga kubudiswa kwe EDP, iva nechokwadi chokuti tsanangudzo ye hardware inosanganisira mhando yemidziyo yaunoshandisa mubhizinesi rako.
Mazano mazhinji EDP akavhara hardware wawakarisa kune mumwe munhu. Kana kambani yako ikashandisa makombiyuta, itai kuti michina yakakodzwa inoshandiswa sehurdware pasi pehutano hweDPP. Iwe unofanirawo kuverenga chikwangwani chako zvakanyatsonaka. Zvibvumirano zvakawanda zvebvumirano zvinobata chikwereti chekodzero yezvimwe zvinhu zvinokuvadza izvo zvigadziridzo zvinotsigira munguva yekutengesa. Kambani yako inogona kukubata iwe unofunga nezvekukuvadzwa kunokonzerwa nematambudziko asina kuvharwa nemutemo wako.
Software uye Data
Makombiyuta mapurogiramu, mapurogiramu uye deta zvakare akafukidzwa pasi pemafomu EDP. Software kazhinji inosanganisira software zvayo, software software, uye mapurogiramu edzimba.
Media
Izwi rokuti media rinoreva zvishandiso pane data zvakachengetwa. Mienzaniso inodheka, madhiramu, uye matepi. Mimwe mitemo inosanganisira "mhizha" sechikamu chakasiyana cheimba yakavharwa. Vamwe vanofukidza vhidhiyo sechikamu che "software."
Zvakafukidzwa Zvinetso
EDP mitemo ine zvakawanda zvishoma zvisingabvumirwi pane zvigadziriswa zveproprial policy. Yakawanda inotakura "njodzi dzose," zvinoreva zvinetso zvose zvisingatauri zvakananga. Zvizhinji (asi kwete zvose) mazano eDP anobvisa kukanganisa kwakakonzerwa nemafashamo uye kudengenyeka kwenyika .
Kungofanana nedzimba chero ipi zvayo, michina yemagetsi inogona kutyiswa nemoto, mhepo nezvimwe zvinowanzova nengozi. Asi, inonyanya kunetseka kukuvadzwa nematambudziko ari pasi apa.
- Kugadziriswa kwemagetsi (kusanganisira arcing uye mashokiti marefu)
- Kutonhora uye mhepo inonaya inochinja
- Mechanical breakdown
- Power surges
Mazano eDP akawanda anovhara kukanganisa kunokonzerwa nekuvhiringidzika kwemagetsi, kuputsika kwemagetsi, uye kutonhora uye kunaya kunoshanduka. Zvisinei, mitemo yakawanda inosanganisa kukanganisa kunokonzerwa nekuvhiringidzwa kwebasa rekubatsira , kusanganisira simba rinowedzera. Nharaunda yekukundikana kwesimba inowanzowanika kune imwe yero premium.
Zvimwe zvinetso zvakafukidzwa nematare akawanda eDP zvinosanganisira virusi yekombiyuta uye kuvhara kombiyuta. "Kutengesa" kunogona kusanganisira zviito zvakaitwa nevashandi. Kuvhara kwekuparara kunokonzerwa nemavirusi kana kukwidza kunogona kuve pasi pe sublimit.
Valuation
Zvichienderana nehutungamiri, kukosha kwezvinhu zvakashata zveDP zvinogona kuverengwa zvichibva pazviri:
- Zvechokwadi mari inokosha
- Replacement cost; kana
- Basa rinoshandiswa kugadzirisa mari
Basa rinoshandiswa kugadziriswa mari ndiro mari yekutsiva chimwe chinhu neimba inoshanda zvakaenzana, kunyange zvisingaiti zvakafanana, kune zvakakanganisika. Rudzi urwu rwehuwandu hunowanzoshandiswa apo pfuma inowanzoshandurwa pakuchinja kwekombiji.
Somuenzaniso, kombiyuta yako yemakore mashanu inokuvadzwa nekugadzirisa simba uye haigoni kugadziriswa. Iwe haugone kutora kombiyuta yacho nenzira yakafanana nokuti iyo mienzaniso haisisipo. Nokudaro, wako inshuwarisi anobhadhara mari yeimwe itsva, yakasiyana nayo iyo inoita mabasa akafanana saiyo yekare. Kana iyo mitsva inotenga zvishoma kudarika muganhu unoratidzwa pamutemo wako weakakuvadza, wako insurer haazombobhadhari kupfuura mari yemutambo mutsva.
Kana deta kana software iri kukuvara kana kuparadzwa, hurongwa hwako hunogona kubhadhara mari yekudzorera kana kuidzorera kubva pane zvakawandisa. Kana kusina kuwirirana kuripo, sarudzo yako inogona kubhadhara mari yekuita zvakare data kana software, kusanganisira mari yekutsvakurudza.
Kubhadhara uye Kuda Kurasikirwa
Kana bhizinesi rako richienderana nemakombiyuta kana kuti magetsi ehurumende kuti ishande, kukuvara kweimba iyo kunogona kuita kuti bhizinesi rako rivhare. Kuvhara kwese kana kusarudzwa kwemabasa ako kunogona kukonzera bhizinesi rako kurasikirwa nemari kana kutora mari yakawedzerwa. Nenzira yakanaka, mazano akawanda eDP anosanganisira mari yebhizimisi uye zvikamu zvepamusoro zvemari . Izvi zvingave zvinosanganiswa kana zviripo nekukumbira.
Zvimwe Zvinyorwa
Mazano eDPP mazhinji anosanganisira zvidimbu zvakasiyana-siyana zvinowanikwa. Mimwe mienzaniso yakanyorwa pasi apa. Izvi zvingave zvinosanganiswa kana kuti zvigadzirirwe purogiramu yakawedzerwa. Vanowanzotarisana nemuganhu wakatarwa.
- Zvitsva Zvakawanikwa EDP Equipment
- EDP Equipment paNewly Acquired Premises
- EDP Equipment in Transit
- Kushandiswa Kwebasa
- EdP Equipment Equipment Offsite
Yakawanda yeDPP inogadzira mapurisa emakombiyuta ari panzvimbo dzakanyorwa mubumbiro rako. Zvisinei, mitemo yakawanda inopa huwandu hwemichina inoshandiswa kubva kune imwe nzvimbo. Izvi zvinokosha kana iwe kana vashandi vako kushandisa laptops kana mamwe majaira anotakura kubva panzvimbo yako.