Kutadza Kuparadza Mari Inishuwarenzi
Kutarisa kukanganisa kugoverwa ndizvo izvo vanhu vazhinji vanofunga nezvavo pavanonzwa mazwi "property inshuwarisi." Sezvo zita rayo rinoratidzira, inshuwarisi inoparadza yakaora inosanganisa kurasikirwa kana kukanganisa pfuma yepanyika nechikonzero chakakonzera kurasikirwa.
Mazhinji emabhizinesi anowana kuora kwehuwandu hwekugoverana nekutenga mutengo wemabhizimisi . Izvozvo zvinosanganisira kurasikirwa kana kukanganisa pfuma yebhizimusi sezvivako, zvivako zvekugadzira, zvivako zvehofisi, fenicha, uye mashizha. Inopawo zvimwe zviitiko zvekurasikirwa kana kukanganisa kune imwe nzvimbo iyo imwe kambani inoshandiswa nekambani mumabhizimisi ayo. Chimwe muenzaniso imodhina yemakambani yakabhadharwa kubva kuhofisi yezvitoro.
Vatsigiri vakawanda vanotora maitiro emabhizimisi emabhizimisi vachishandisa mazinga eIO . Vamwe vanoshandisa maitiro avo vakazvigadzira ivo pachavo. Chero zvazvingaitika, purogiramu yeimba inoshanduka. Zvinyorwa zvinogona kuwedzerwa, kubviswa kana kuchinjwa sezvinodiwa kuburikidza nekubvumirana .
Zvekutengeserana pfuma inogona kugoverwa semutemo wakasiyana kana kuti pamwe chete nezvimwe zvikamu, zvakadai semhosva yakawanda , pasi pepurogiramu yemapato . Inogonawo kutengwa pasi pevhizimisi vemabhizimisi (BOP), sangano rine mitauro yakawanda yakagadzirirwa mabhizimisi maduku.
Nguva Element Coverages
Chimwe chikamu chekutengeserana pfuma inshuwarisi ine nguva yenguva yekuvhara. Pasi pechikamu chekuvhara, kurasikirwa kunosungirirwa nekureba kwenguva inotora kugadzirisa kugadzirisa zvinhu. Kurasikirwa kunokura sezvinodiwa nguva yekugadzirisa kuwedzera. Heano mimwe mienzaniso yenguva yunishuwarenzi yenhengo:
- Bhizimusi Kuwana Mari . Kuvhara mari mari yako ikambani inopera kana bhizimisi rako rinomanikidzwa kuvhara nekuda kwekukuvadza kwepanyama yemunhu inokonzerwa nedambudziko rakavharwa
- Zvimwe Zvimwe Zvinodhura. Inovhara mari yaunenge uchiita kuti udzivise kana kuderedza kuvhara kwebhizimisi rako mushure mekunge pfuma yako yakagadzirisa kurasikirwa kwenyama
- Leasehold Interest Coverage. Inovhara kurasikirwa kwemari iwe unotsigira kana bvumirano yako ichibviswa nekuda kwekurasikirwa kwenyama kana kukanganisa pfuma panzvimbo yako
Nguva element coverages inowanzonyorwa pamwe chete ne inshuwarisi yakaipisisa yunishuwarenzi. Chero chezvinyorwa zvinorondedzerwa pamusoro apa zvinogona kuwedzerwa kune zvekutengeserana purojeti.
Inland Marine Inishuwarenzi
Zvemabhizimisi pfuma uye BOP mitemo inofanirwa kuvhara pfuma iri panzvimbo yako. Iyi mitemo inobhadhara zvishomanana zvekugara kune imwe nzvimbo. Asi, mabhizimisi mazhinji ane zvigadziro zvavanoshandisa pane imwe nzvimbo. Semuenzaniso, makambani akawanda ekuchera miti ane makadhi, ma saws, matanda chippers, nemimwe midziyo yavanotakura kune nzvimbo dzevatengi. Saizvozvowo, makambani akawanda ekugadzira ane zvigadzirwa zvakadai se-bulldozers, loaders, uye scrapers zvavanoshandisa panzvimbo dzebasa.
Inland marine inshuwarheni yakagadzirirwa kuvhara midziyo, mitambo, kana imwe nzvimbo inotakurwa pamusoro penyika.
Nemhaka yokuti inland marine mazano anovhara pfuma inofambiswa, inowanzotumidzwa sezvikepe. Inland marine inshuwarisi yakasiyana neyegungwa yemvura inishuwarenzi, iyo inotakura ngarava nemitoro inofamba pamusoro pemakungwa makuru.
Kune marudzi mazhinji emitambo yemvura inland. Zvimwe zvinotsanangurwa pasi apa. Zvizhinji zviri mukati mechipfuva chemvura zvinogona kuwedzerwa kune zvekutengeserana pfuma kana purogiramu yemapurisa kuburikidza nepepeji yakasiyana kana kugamuchirwa.
- Zvipfeko Zvakanaka. Inovhara kurasikirwa kana kukuvadza kune zvigaro, zvidhori, zvidhori, uye mamwe mabasa anokosha emifananidzo yebhizimisi
- Contractors Equipment Coverage Kuvhara kana kukanganisa kwezvigadzirwa, mishonga, kana zvimwe zvigadzirwa zvemafoni zvazvo kana zvinoshandiswa nevakambani
- Accounts Receivable Coverage. Inodzivirira bhizinesi rako pamusoro pekurasikirwa kunokonzerwa nokusakwanisa kwako kuunganidza mari yaunokwereta iwe nevashambadzidzi nekuda kwekukuvadza kune rekodhi dzako dzinowanikwa
- Inland Transit Coverage. Inovhara kurasikirwa kana kukanganisa kwezvinhu zvakatakurwa pamusoro penyika mukati meUnited States. Zvizhinji zvizhinji zvinotarirwa nemitemo yekutenderera kwenyika inotumirwa nechitima, motori, kana kusanganiswa kwezviviri.
- Kuiswa Mafashamo . Inovharadza zvinokanganisa pfuma (yakadai sedoroiri) iyo iwe unoda kuisa pane imwe nzvimbo yevatengi. Coverage inoshandiswa apo iyo pfuma iri kuenda kune imwe kana kubva panzvimbo yebasa, uye apo iri kumirira kuiswa panzvimbo yemutengi.
- Exhibition Floater. Inovharadza zvinokanganisa pfuma iri kuratidzirwa pane imwe nzvimbo yekutengeserana kana kuratidzwa. Inosanganisirawo nzvimbo iyo ichienda kune imwe kana kubva kunzvimbo yekuratidzira.
- Electronic Data Processing (EDP). Inodzivirira bhizimisi rako kubva pakurasikirwa kana kukanganisa kumakombiyuta ako , data kana kuchengetedza mhizha . Kubudiswa kwe EDP kunokosha kana kambani yako yakanyanya kuvimba nemakombiyuta kuti iite mabasa ayo zuva nezuva.
Builders Risk Insurance
Pfuma uye BOP mitemo yakagadzirirwa kuchengeta zvivako zvakapedzwa. Zvinopa zvishoma kana kuti hazvina ruzivo rwezvivako zvitsva zviri kuvakwa. Kuti uchengetedze zvivako munguva yekuvaka, iwe unoda kutenga vavaki vengozi yveshuwarenzi.
Vazi vengozi ndivo rudzi rwe inshuwarisi yemvura. Kusiyana nehuwandu hwemhenderekedzo yegungwa, zvakadaro, vavaki vengozi vanowanzonyorwa pachavo. Vavaki vehutano vanotangisa kunotanga apo basa rinotanga uye rinoguma apo basa racho rapera. Mutemo wacho unowanzotengwa nemukuru wechigadzirwa kana mushandi wepurojekiti. Inodzivirira mapoka ose anobatanidzwa mune rimwe chirongwa chinopesana nekugadzikana kwepanyama kune inishuwarenzi inokonzerwa nedambudziko rakavharwa. Masangano akachengetwa kazhinji anowanzobatanidza muridzi, mukuru wekontrakiti, uye vose vari pasi pezvematongerwo enyika.
Criminal Insurance
Ubavha ingozi yakavharidzirwa pasi pezvinotengeswa zvematongerwo emabhizimisi. Zvisinei, mitemo yakawanda inosanganisa uhu hwakaitwa nevashandi . Vanodzivisawo kurasikirwa kana kukanganisa kwemari kana kuchengetedzwa nemhosva ipi zvayo. Kuti dzizvidzivirire padzimba dzakagadzirwa nevashandi kana kurasikirwa kunosanganisira mari uye chekuchengetedza, mabhizimusi anogona kutenga inshuwarisi yemhosva. Kuparwa kwemhosva kune chirongwa cheimba ye inshuwarisi.
Utsotsi hwehupfumi hunogona kunyorwa chete kana kuwedzerwa purogiramu yepurazi. Kune mhando dzakawanda dzehupfumi hwehupfumi. Heano mimwe mienzaniso:
- Kubatwa Kwevashandi Vashandi. Inodzivirira mabhizimisi kurwisana nehovha yemari, kuchengetedzwa, uye imwe nzvimbo yevashandi
- Computer Fraud Coverage. Inodzivirira mabhizimisi kurwisana nehupfumi hwechimba nembavha anoita mhosva kuburikidza nekombiyuta
- Mari uye Chekuvhara. Inovhara kurasikirwa kwemari uye chekuchengetedza kana kurasikirwa kuchiitika mukati meimba yako kana sangano rebhangi, kana kunze kwenzvimbo yako