Mitemo yeZvirevo
Inishuwarenzi inogona kunge ine mhando dzakasiyana siyana. Zvimwe zvinoshanda chete kune inshuwarisi. Muenzaniso ndiwo gwaro rekugadza (rinotsanangurwa pasi apa).
Iyo inotaura kuti iyo inshurensi inopedzisira isingabatsiri iyo inshuwarisi yemabasa ayo pasi pemutemo. Mamwe mamiriro ezvinhu anoshandiswa chete kumudzidzi wemiti. Nokuda kwekuti, Loss Conditions muIOO Commercial Property Policy inoda vatsigiri kuti vaudze kurasika kumapurisa kana mutemo waputsika. Mamiriro ezvinhu mazhinji ndeyekuita. Muenzaniso ndiwo chirevo chekuongorora muBusiness Auto Policy . Inotsanangura nzira iyo ichatevedzerwa kana bhizimisi kana inshurenzi inoda kuongororwa kwezvinhu zvakakanganisika.
Varipi?
Mamiriro ezvinhu anowanzowanikwa mune chimwe chikamu chechirevo chepurogiramu kana fomu yekuvhara. Hazvishamisi kuti chikamu ichi chinowanzoti Chiitiko.
Mitemo yakawanda ine zvinyorwa zvinopfuura imwechete. Somuenzaniso, ISO Commercial Property Policy ine zvitatu zvemamiriro. Izvo Zvisipo Zvinotsanangura kuti kurasikirwa kunokosha sei uye kuripirwa. Zvinyorwa Zvokuwedzera zvinotaurira nyaya dzakadai sekubhadhidzira uye kodzero dzevanhu vanofa .
Izvo zveMabhizimisi Zvimwe Zvinyorwa zviri mune imwe fomu yakasiyana. Aya nyaya nhau haisi kutsanangurwa kune dzimwe nzvimbo, zvakadai senzvimbo yekuparidzira .
Package mazano , ayo anosanganisira maviri kana mamwe marudzi ehuwandu hwekugovera, kazhinji ane mamiriro akasiyana ega yega yekugovera. Semuenzaniso, mutemo unosanganisira chikwereti chakazara uye zvekutengeserana zvipfeko zvepfuma zvichabatana nemamiriro ezvinhu ehutsika nemamiriro ezvinhu edzimba.
Purogiramu yemapato inogonawo kuva neCommunity Policy (kana General) Zvikamu zvechikamu zvinoshandiswa kune zvese zvakabatanidzwa zvinowanikwa musangano.
Sangano rinogona kuva nemamiriro ezvinhu asingaoneki muChechi chechikamu. Semuenzaniso, mutemo weNCCI wekubhadhara kwevashandi unosanganisira Zvimwe zvikamu pasi peChikamu Chechitanhatu. Kunyange zvakadaro, zvose Chikamu Chekutanga ( Vashandi Kupa Mhosva ) uye Chikamu Chepiri ( Vashandi Vanowanikwa ) vane zvinyorwa zvine Mamwe Inishuwarenzi uye Kuwana Kubva Kune Vamwe. Zvinyorwa izvi ndezvemamiriro emitemo kunyange zvazvo zvisina kunyorwa saizvozvo. Zvinyorwa zvakafanana zvinogona kuwanikwa muIO maitiro ose uye mabhizimisi emabhizimisi. Mune iyo mitemo, zvikamu zvinowanika mune Zvimwe zvikamu.
Zvinowanzoenderana
Mamwe mamiriro ezvinhu anowanikwa mumarudzi akawanda emabhizimisi mazano. Mimwe mienzaniso inotsanangurwa pasi apa.
Mabasa muChiitiko cheChiitiko kana Kurasikirwa
Pamwe mitemo yose ine chinyorwa chinotsanangura zvaunofanira kuita kana kurasikirwa kana kuda kuitika. Muenzaniso ndiwo mutemo mukuru wezvakagadziriswa. Mamiriro ayo ekutsvaga-kutaurira anotaura kuti iwe unofanira kuzivisa yako inshuwariti nokukurumidza kana zvichiitika kana zviitiko zvikaitika kana kukanganisa, kana kudai kana sutu. Iri gwaro rinokosha, sezvo kusakundikana kwako kuiteerera kunogona kupa wako inshuwarheni nzvimbo yekuramba kuparidzirwa kwekutsvaga.
Mamwe Inishuwarenzi
Iri chinyorwa chinotsanangura kuti sei chirongwa ichi chichapindura apo mamwe magwaro anowanikwa kune chirevo chakafukidzwa nemutemo wako. Mimwe mitemo inopa nheyo yepamusoro (yekutanga). Imwe chikamu cheshuwarisi mumutemo mukuru wehutungamiri hwematongerwo enyika inotaura kuti kugovera kunonyanya kuisa kune zvimwe zvisiri izvo. Mimwe mitemo inokanganisa kurasikirwa. Semuenzaniso, imwe chikamu cheshuwarisi muIOO purogiramu yekutengeserana inotaura kuti kurasikirwa kuchagoverwa maererano nehuwandu hwehupi hupi hwehuwandu hwekugovera. Mamwe marudzi einishuwarenzi, kusanganisira mitemo yeE & O yakawanda, inoshandisa pane zvakadzama pamusoro pezvimwe zvekugovera zviripo.
Kodzero dzekudzorera
Yakawanda mitemo yebhizimisi ine chinyorwa chechikamu chechikamu . Iri chinyorwa chinopa inshuwarheni kodzero yekuwana mari iyo yakabhadhara kurasikirwa kubva kune rimwe boka rakakonzera.
Mune mamwe mazwi, kana bhizimisi iribhadharira kurasikirwa kwokuti mumwe munhu (kunze kweiyo inshuwarisi) ane mutoro, mubhadhadzi anogona kukwidza chikamu chemhosva pamutengo wekubhadhara.
Kutongwa Kwemutemo Kupikisana nesu
Urongwa uhwu hunowanzoti "hapana chiito" chidimbu nokuti chinogadzirisa kodzero yako yekuisa chiito (mhosva) pamusoro pe insurer yako. Inowanzoita kuti urege kubvuma kunze kwekunge wakazadzisa zvose zvinodiwa pasi pemutemo.
Pasi pe ISO purogiramu yemupurisa, haugoni kumhan'arira inshuwarisi yako maererano nekutaura kana iwe wakundikana kupa tsanangudzo yezvinhu zvakakanganiswa (mamiriro ekugoverwa). Mitemo yemitemo inowanzorambidza iwe kana mumwe munhu kuti asatora inshuwaridzi mune imwe mamiriro ezvinhu. Iwe unowanzovharwa kubva pakutsamwira yako inshuwarisi kuti uwane kugadzirisa kwawakagadzira nokuzvidira (pasina bvumirano chako chemubhizimisi). Saizvozvowo, iwe unorambidzwa kubvuma kutora mhirizhonga kusvikira kutonga kwekupedzisira kwaitwa nedare.
Inishuwarenzi mitemo inogona kuisa muganhu wenguva yekuisa sutu. Mimwe mitemo yepfuma inoda kuti iwe uise sutu yako mukati memakore maviri ezuva rokurasikirwa. Iri urongwa huchazara nemutemo wehurumende kana iyo yekupedzisira inopa nguva yakawanda yekuisa zvipfeko kupfuura mutemo.
Kusununguka
Iri chinyorwa chinowedzera kuwedzera mutemo wako kuisa chero upi zvaunofambisa wako insurer akawedzera pane fomu yako yekugovera. Iyo ndima inowanzoshanda pane chero shanduro yakagadzirwa nguva pfupi yapfuura kana panguva yehuwandu hwematongerwo enyika, kana kuwedzerwa kusingabhadhari.
Somuenzaniso, ngatiti iwe uri bhizimisi pasi pekutengesa purogiramu yemari. Kunyange zvazvo sarudzo yako iri kushanda, yako inshurensi inotanga kushandisa shanduro yakagadziriswa yeDzimba uye yePain Property Package Form. Iko fomu itsva inopa (pasina chekuwedzera mari) $ 10 000 muganhu wekukuvadza kune pfuma yako iri mune imwe nguva yekuchengetedza imwe nzvimbo panzvimbo yako. Fomu yakabatanidzwa nemutemo wako haisi kusanganisira izvi. Nemhaka yokuti mutemo wako une chikamu chekununura, pfuma iri mune imwe nguva yenguva yekuchengetedza ichave yakachengetedzwa nemutemo wako. Hapana kuvimbiswa kunokosha.
Kuchenesa uye Kusina Kuvandudzwa
Inishuwarenzi yakawanda mitemo inotengwa nemabhizimisi ine zvinyorwa zviviri zvekuregesa uye zvisiri zvekuvandudza . Zvinyorwa izvi zvinotsanangura mamiriro ezvinhu ayo iyo inshurensi inogona kubvisa kana kuti isiri-inovandudza mutemo. Mutemo wehurumende uchapedza izvi zvigadziro kana zvakanyanya kufanirwa nevatsigiri vehurumende. Semuenzaniso, mutemo wehurumende unoda kuti inshuwarheni ipe chiziviso chemazuva makumi matanhatu kumudzidzi wemitemo kana sarudzo isati ichatsvaga ichapedza chirongwa chinoda kuti mazuva makumi matatu apera.
Kuparadzaniswa kweIndureds
Mitemo yakawanda yemitemo ine mamiriro ekuti Separation of Insureds (kana Kusagadzikana kweZvinhu). Izvi zvinowanzomiririra zvikamu zviviri. Yokutanga inotsanangura kuti iyo mitemo ichaita sei kana mumwe ainzi anishuwasi anotonga mumwe. Chikamu chechipiri chinotsanangura kuti sei kuvharidzirwa kuchashanda kana mumwe munhu ane inshumo akatsigira mumwe bhizimisi.
Kudhindwa kweMazito ako uye Mabasa
Vafambisi vanochengetedza zvakanyanyisa inshurensi vabvunzi vasati vabudisa mitemo. Nokudaro, inishuwarenzi mitemo ine chekuendesa kodzero kana kuti " anti-assignment" chinyorwa . "Chirevo ichi chinorambidza vatsigiri vekuisa kupa kodzero dzavo nemabasa pasi pemutemo kune mumwe munhu pasina mubhadharo wakanyorwa zvakanyorwa.Semuenzaniso, Jim ane bhizimisi raanotengesa Jane. "Jim haagoni" kupa " bhizinishuwarenzi bhizinishuwarenzi yake kuna Jane.Nheyo yacho yakaendeswa kuna Jim chete.Ikodzero dzake nezvisungo pasi pemutemo hazvikwanisi kuendeswa kuna Jane pasina kubvumirwa kwemubhizimisi.
Iri rinopesana nesabata rinorambidzawo vatsigiri vekugadzirisa kodzero yavo yekuunganidza mhirizhonga kana kugadzirisa. Somuenzaniso, fungidzira kuti Bob akachengetedza motokari yekukuvara kwepanyama pasi pekutengeserana kwehurumende mutemo. Bob anoburitsa chibvumirano chinopa Jim kodzero yekuunganidza mari chero ipi zvayo Bob yaizotambira kune yekukuvara kwepanyama kurasikirwa nemotokari. Bob akaputsa gwaro rinopesana neshoko. Mubhadhari wake haasati aita chero kurasikirwa kuripo kuna Jim pamutemo weBob.
Cherechedza kuti vazhinji vanobvumira vatsigiri vehurumende kupa kodzero dzavo dzekubhadhara zvikwereti mushure mekurasikirwa kwakaitika . Basa roga roga-kurasikirwa rinobvumidzwa. Basa rakagadzirwa musati rarasikirwa rinorambidzwa. Mumuenzaniso wekare, fungidzira kuti Bob atove akatsigira kurasikirwa kwepanyama paanopa kodzero yake yekuunganidza mari yekutora pasi pemutemo kuna Jim. Munyika dzakawanda, basa racho raizobvumirwa.
Kushungurudza
Iri chinyorwa chinotaura kuti iyo inishuwarenzi inotarisirwa pasi pehurongwa haishanduki kana muiti wepurisa akanganisa kubhadhara kana kuti kuve asina chekuita. Iyo inshuwarisi ichiri kutarisirwa kubhadhara mari.
Hapana Rubatsiro Kuverenga Bhaibheri
Nzvimbo dzakawanda dzehupfumi nemitemo yemotokari dzine chinyorwa chine Bhuku Rinobatsira ku Bailee. Bhiriyumu mumwe munhu akaiswa kune imwe nzvimbo yepakati kune chinangwa chakanaka. Muenzaniso ichitoro chemutokari yemotokari. Imba yemotokari inopa muviri kutengesa motokari yakakonzerwa kuitira kuti shopu igone kuigadzirisa.
Bhabheri harina kuwana kodzero yemugove weimba iyo yake. Iko motokari yemotokari yemotokari haisi iye muridzi wemotokari iri kugadzirisa.
Izvo "hapana rubatsiro rwebhailee" rinoshandiswa kune zvekutengeserana pfuma uye nehutachiona hwekuvhiringidza muviri. Inotaura kuti hapana mumwe, kunze kweiwo policyholder, uyo ane kodzero yekuchengetedza pfuma yehupfumi achabatsirwa nemutemo. Mune mamwe mazwi, bhaari haisi kodzero yekubhadhara mari nekuda kwekuti iye ane nzvimbo yekuchengetedzwa kwehupfumi. Pasi pemutemo wekutengeserana motokari, bhaari inogona kuva garaji yekupaka, kukodha kambani, kugadzira zvigadziro kana ani zvake anobhadhara mari yekuwana simba pamusoro pemotokari.
Kuvhiringidzwa, kusarudzwa kana kubiridzira
Iri gwaro rinobvumira mubhadhadziro kuti aparadze purogiramu yacho kana mutongi aita chiito chekubiridzira . Anishuwaiti inobata rusununguko kana iye achinyengera achida inshuria kuitira chinangwa chemari. Kunyengedzwa kunogona kuitwa apo kugoverwa kunotengwa, apo kudai kuiswa, kana pane imwe nguva. Semuenzaniso, muridzi webhizimisi anotenga kuora kwekugadziriswa kwemoto pasina. Iye zvino anotaura motokari yakabiwa uye inokanda fodya.
Icho "chinyorwa chekubiridzira" inobvumirawo inshuwarisi kuti arambe kuparidzirwa kana ani zvake ane bhizimisi akanganisa zvisiri izvo kana kuti akavanza chokwadi chezvinhu pamusoro peinishuwarenzi. Izwi rokuti misrepresentation rinoreva kusakanganiswa kwechokwadi. Izvo zvisiri izvo ndezvipi kana iyo inshuwarheni ingadai yakaita chisarudzo chakasiyana kana ichiziva chokwadi chechokwadi.
Nemuenzaniso, iwe unopedza kushanda kwehupfumi inshuwarisi pane chivako chaunacho. Unoreva nhema pamusoro pekushanda, uchitsanangura kuti unoshandisa chivako senhare. Muzvokwadi, iwe unoshandisa iyo kugadzira moto. Kana chivako chichikuvadzwa mukuputika kunokonzerwa nemabasa asina kukwana emoto, bhizinesi yako inogona kuramba kuparidzirwa kubva pane zvinhu zvisina kunaka.