Bvisa Tavern yako, Bar, kana Liquor Establishment
Property Insurance
Zvebhizimisi pfuma inshuwarisi ichadzivirira bhizinesi rako kubva pakurasikirwa kunokonzerwa nekukuvara kwenyama kune pfuma yaunayo. Zvinhu zvakadaro zvinogona kusanganisira chivako chinoshandiswa nebhangi yako uye pfuma yako yaunoshandisa mubhizinesi rako.
Vazhinji vadzidzisi vemapurisa vanowana inshuwarisi yemugove sechikamu chepurogiramu yepateri Vamwe vatsigiri vehurumende vanopa mitemo yakanyatsogadzirirwa kunwa doro.
Iwe unogona kuvhara zvinhu zvako zvichienderana nemari chaiyo chaiyo (ACV) kana kuti inobhadhara mari yako. Kubhadhara mari yekugovera kunodhura asi inowanikwa zvakanaka. Vazhinji vadzidzisi vebasa havagoni kuramba vari bhizimisi mushure mekurasikirwa kukuru kunze kwekuti vatenge kutenga mari yekugadzirisa mari. Kana iwe uine chivako chako, unofanira kufungawo kutenga chivako chekuchengetedza chirongwa . Iyo yekupedzisira inovimbisa kuti hurongwa hwako huchakwanisa kubhadhara mari yekuvandudza inoda kudiwa nemitemo yekuvaka apo rakakanganiswa rakarongwa kana kugadziriswa.
Kuti uone muganhu weinishuwarenzi kuti utenge, iwe unoda kuenzanisa mari yekutora nzvimbo yako yese. Iyi ndiyo mari yaunofanira kuishandisa kuti uchinje chivakwa chako, zvigadziri, firiji, zvigadzirwa, uye imwe nzvimbo kana yakaparadzwa nemoto kana imwe njodzi.
Cherechedza kuti maitiro akawanda emapurisa haatauri mari yekugadzirisa mari yekugadzira mifananidzo, masangano, mabric-a-brac nezvimwe zvakadaro. Zvinhu izvi zvakafukidzwa pane chaiyo chaiyo yemari inokosha. Kana bhari yako ine mhando yakasiyana-siyana, yakadai semusoro wemapurisa kana kuti pepa rekuunganidza, unogona kutenga kutenga mazano akanaka .
Iyi kugoverwa kunogona kubatsira kudzivisa nharo neye insurer pamusoro pekukosha kwezvinhu zvakasiyana zvave zvakanganisa kana kuparadzwa.
Ngatitii chivako chaunoshandisa bhari yako chakakanganiswa nemoto. Iwe unomanikidzwa kuvhara bhizinesi rako kusvikira chivakwa ichigadziriswa. Yakawanda mitemo yepurasiti haifaniri kubhadhara mari yaunorasikirwa panguva yekuvhara. Kuti uchengetedze bhizinesi rako pamusoro pemari yekurasikirwa nemari, iwe uchada kutenga mari yekuvhara mari .
Pakupedzisira, hurongwa hwehupfumi hunosanganisa kukanganisa kunokonzerwa nemafashamo kana kudengenyeka kwepasi Kana bhari yako iri mune imwe nzvimbo inowanikwa kune imwe yenjodzi idzi, unofanira kufungidzira kutenga inshuwarisi yemafashamo kana kudengenyeka kwenyika .
Mhosva yeInishuwarenzi
Inishuwarenzi yekodzero inokosha pakugadzirwa kwezvinodhaka. Iwe unoda zvose zviri zviviri zvinokwanisika uye zvinodhaka zvinotarisirwa zvikwereti.
General Liability Coverage
Mutemo wekodzero yakawanda unochengetedza bhizinesi rako pamusana pemhosva kana zvikwata zvevatatu (kusanganisira vashandi) kwekukuvara kwemuviri kana kukanganisa kwezvinhu izvo zvinotsigira panzvimbo yako. Muenzaniso ndezvokutaura nemumwe mutengi akatsika ndokuwira pasi pasi pebha yako, achivhuna gumbo rake. Yakawanda mitemo yemitemo inowanzozvibatanidza inshuwarisi yemutengo wemishonga .
Iyi inshuwarisi inosanganisira zvikonzero zvekukuvara kwemuviri kana kukanganisa kwemuviri kunobuda kunze kwechigadzirwa chaunotengesa. Semuenzaniso, mutengi anorwara kubva kune sandwich yakasvibiswa yaakatenga pa bar yako uye anokukumbirai kukuvara mumuviri. Mutemo wako wemhosva unofanirwa kuvhara kudai.
Mamwe mabheji anopa varaidzo yakadai sekugara bundu. Vamwe vanoita zvinhu zvinofadza sezvakaita mahwendefa edzimba kana mhando dzemhando. Bhari dzinobatanidzwa mumabasa akadaro dzinogona kubhadhara mari yakawanda yeinishuwarenzi yemhosva. Mamwe maitiro emabasa, akadai sepa pyrotechnic kana trampolines, angave asina kubviswa kubva pakugovera.
Liquor Liability Coverage
General inshuwalisi yemhosva inenge isingabhadanidzi zvipikisana nebhizimisi rako rinobuda kunze kwekutengeswa kana kushumira doro. Kutaura kwakadaro hakubvumirwi kuburikidza nekunwa kwekodzero yekudhakwa . Nokudaro, chero sangano rinotengesa kunwa doro rinoda doro rekuvhara mhosva .
Mune dzimwe nyika, kugoverwa uku kunodiwa semamiriro ekuwana chikwata chinodhaka.
Mari yekudhakwa kwekudhakwa kunotarirwa nezvimwe zvinhu. Izvi zvinosanganisira mararamiro ebhizinesi rako, chikamu chekutengeswa kwako kwose kunosanganisira kudhakwa kwekutengesa doro, uye nyika yaunoshandisa. Kazhinji, iwe uchabhadhara zvakawanda nekuda kweinishuwarenzi sezvo uwandu hwekutengesa doro yako kuwedzera maererano nekutengesa kwako kwose. Uyezve, kudhakwa kwemhosva yezvinwiwa zvinodhura muhurumende iyo inobata muridzi webhaji inokonzerwa nekukuvadzwa kune vatatu mapoka anokonzerwa newaini inodhakwa. Zvakakosha kuti iwe unzwisise kuti mitemo yewaini inoshanda sei munharaunda yako. Kumbira gweta rako kuti akutsanangurire.
Vamwe vanoti kudonha mu "grey nzvimbo" pakati pemhosva yepamusoro uye doro. Kutaura kwakadaro kunogona kukonzera kukakavadzana pakati pemhosva yepamusoro uye doro rekuchengetedza mabhizimisi. Iwe unogona kudzivisa nharo idzi nekutsvaga mutoro wezvinodhaka uye zvikwereti zvepamusoro zvinotarisirwa kubva kune imwe inshuwarisi.
Kushungurudzwa uye Bhatiri Rutivi
Muenzaniso ( ISO ) mukuru wemhosva uye mafomu emhosva zvinodhaka hazviregi zvakananga kusangana nebheteri. Zvisinei, maitiro aya haabvumi kukuvadzwa kunotarisirwa kana kunangwa kubva pamaonero ehutsigiti. Zvisarudzo nebar baridzi kana mushandi kumunhu asingateereri zvingaita kuti zvikuvadze kumukuru. Kana iyo mubatsiri akakukumbira iwe kana bhizinesi rako, sutu inogona kuwira pasi pe "kutarisirwa kana kuitirwa zvinokuvadza" kubviswa . Nokudaro, kana uchitenga inshuwalisi yemhosva kune doro rinodhaka, tsvaga mutemo unobatanidza kushungurudza uye kutora mabheti pasi pemubhadharo mukuru wehutano uye yehutoro yemhosva yveshuwarenzi.
Zvimwe Zvinyorwa
Kunze kwehupfumi hwehupfumi uye hwemhosva, mumiriri webar angadawo mari yekutengeserana uye yevashandi penishuwarenzi. Iwe unofanirwa kutarisa kutenga bhizimusi rekuchengetedzwa kwemari kana iwe uchishandisa autos mubhizimusi rako. Izvi zvinosanganisira autos bhizinesi rako harinazvo, rakadai semotokari inoshandiswa nevashandi. Kana bhizinesi rako rachishanda vashandi, iwe uchada kutenga mushandi wemari yekubhadhara .
Chinyorwa chakagadzirwa naMarianne Bonner