Zvemabhizimisi Pfuma Mitemo
Yakawanda yemabhizimisi emitemo , kusanganisira chirongwa cheIO , inopa kugoverwa kwekuzvidzivirira kwezvinhu zvepanyika zvinowanikwa kune mumwe munhu. Ndega pfuma pachake yakavharwa. Hapana chinyorwa chinoshandiswa kune chaiyo chaiyo (zvivako) zvine mumwe munhu kunze kweiye anonzi inshuwarisi .
Ichi chinyorwa chichatsanangura kuti kusina-pfuma yakagadziriswa kunotungamirirwa sei pasi pechirevo cheS ISO chemapurisa. Yakawanda yemitemo yezvigadziro yakanyorwa nevatsigiri vehurumende inopa huwandu hwakaenzana, kana hupamhi kupfuura, iyo fomu yeIO.
IIO fomu inosanganisira zvikamu zviviri zveimba iyo ndeyomumwe munhu:
- Vakagadziriswa Pfuma Yenyu: Iyi ndiyo pfuma yamakabhadhara uye inoda kuiswa pasi pemashoko ekubhajisa.
- Imba yevamwe: Izvi hazviregi imba yevamwe kune mumwe munhu. Ichi chikamu chinosanganisirawo pfuma yekodhi iwe hauna kutarisirwa kuvhara.
Yakagadziriswa Pfuma Yomunhu
Kufanana nemabhizinesi mazhinji, kambani yako inogona kukodzera pfuma kuti ishandise mumabasa ako zuva nezuva.
Mienzaniso iyi makopi emichina, fisi yehofisi, uye zvivako zvekuvaka. Mune zvimwe zviitiko, muridzi weimba anogona kukuda iwe kuti uchengetedze pfuma yekurambidza muviri kana kukuvara.
Semuenzaniso, ngatiti iwe unoshandisa makombi maviri emakambani ekutengeserana kwebhizimisi rako. Iwe unotarisirwa pasi pechibharo chekurasikirwa chero kupi zvayo kana kukuvara kwemichina inotsigirwa munguva yekutengesa.
Imba yacho inodawo kuti uwane vapepi pasi pehutano hwehupfumi hwehutano hwekugadzirisa huwandu hwavo.
Kukodzwa pfuma yako iwe unobvumirwa kuti uwane hurumende yakavharidzirwa seBusiness Business Personal Property. Iyi pfuma yakafukidzwa pasi pemuganhu unoshanda kune BPP Yako. Kana uwandu hwematongerwo ehupfumi hwako hunosanganisira, taura $ 100,000 muganhu weBPP, iyo miganhu inoshanda kune zvose zvinotevera:
- pfuma yako yebhizimisi rako
- akashanda pfuma yako iwe unofanirwa kuvhara pasi pemashoko ekubhajisa
Kana pfuma yakarasikirwa yakarasika kana yakanganisa, kurasikirwa kuchakoshesa nenzira imwecheteyo sekurasikirwa kune pfuma yako iwe pachako. Izvi zvinoreva kuti kurasikirwa kunosanganisira pfuma yakagadziriswa ichagadziriswa kuburikidza nemutengo wekubhadhara kana kuti chaiwo mari inokosha, chero ipi zvayo yemari inoshandiswa inoshanda kune BPP Yako.
Kana iwe uchikwereti pfuma yebhizimisi rako, iva nechokwadi chekuverenga chibharo zvakanyatsonaka. Chibvumirano chingaita kuti iwe uve nemhosva yekuvhiringidza kusati kwafukidzwa nemutemo wako wepfuma. Semuenzaniso, kubhadhara kunogona kureva kuti iwe unokonzerwa nekurasikirwa kana kukanganisa "nezvose zvinokonzera chero".
Pfuma yevamwe
IIOO purogiramu yemapurisa inotakura chikamu chechipiri chezvivako zvisiri zveimba zvinonzi Property of Others.
Izvi zvinosanganisira zvose zvinotevera:
- pfuma yemumwe munhu asi haasi pasi pekubhadhara. Muenzaniso ipikicha yemakero iwe wakakwereta kubva kubhizimisi iri pedyo neimba.
- pfuma yaunotengesa asi haifaniri kuvhara. Muenzaniso ndiyo fesheni yehofisi yawakabhadhara asi haifaniri kuvhara pasi pemashoko ekubhajisa.
Kusiyana nehupfumi hwehupfumi hwako, Pfuma yevamwe haina kuvharwa pamwe chete nemunhu wega pfuma yaunayo. Asi, Imba yevamwe inhengo yakasiyana yeCovered Property. Iyo yakafukidzirwa chete kana chikamu chakasiyana che inshuwarisi chakanyorwa pamutemo wako wePfuma yevamwe. Kana kusina muganhu kuonekwa, sarudzo yako inogona kugovera zvishomanana zvePfuma yevamwe. Izvo zvinonzi ISO purogiramu yemutemo inosanganisira yakaderera zvikuru ($ 2,500) muganhu wezvinhu zvakadaro.
Uyu muganhu hausi winshuwarisi yakawedzerwa, asi inowanikwa mumuganhu unoratidzwa mumutemo wako weBusiness Business Personal Property.
Kusiyana nenzvimbo yakasimwa, Pfuma yevamwe inokosha zvichienderana neicho chaiyo mari inokosha. Kunyangwe iwe wakatenga nzvimbo yekubhadhara mari yeBPP yako, kukosha kwePfuma yeVamwe kuchaverengwa maererano nehuwandu hwayo hwekukoshesa (kwete iyo inoshandiswa mari). Iwe unogona kutengesa kushandiswa kwekubhadhara mari yePaiti yeVamwe kune imwe purogiramu yakawedzerwa.
Vanoda Muganhu Wakasiyana
Kana iwe ukashandisa pfuma inosangana nekududzirwa kwePfuma yevamwe, mutemo wako unofanirwa kusanganisira muganhu wakasiyana weimba iyo. Izvi zvinonyanya kukosha kana imba yauri kushandisa ingave inodhura yekugadzirisa kana kuchinja. Chimbofunga muenzaniso unotevera.
Mark ndiye Marathon Machining, kambani inogadzirisa uye yekudzosera midziyo yekugadzira simbi. Mumwe mushandi weMarathon ari kugadzirisa kambani inobatwa naLarry's Lathing apo iye anokanganisa moto. Michina yacho inoparadzwa. Mark nokukurumidza anodzidza kuti lathe ndiyo yepamusoro-ye-the-line model iyo inodhura $ 75,000 kuti ichinje. Nhamba yekutengesa Mark ndiyo inshupisi pasi pekutengeserana purogiramu. Nhepfenyuro yemitemo inoratidza $ 25,000 muganhu wePfuma yevamwe. Kunyangwe kana Mark atenga kutengesa mari yekugoverwa kwePfuma yevamwe, mutemo wake uchabhadhara chetatu ($ 25,000) ye $ 75,000 kurasikirwa.
Imba Off-Premises
Dzimba dzekutengeserana dzimba dzakagadzirirwa kuvhara pfuma panzvimbo dzakasarudzwa. Zvizhinji zvinopa huwandu hwekugoverwa kwepfuma iyo iri kure neimba yako. IIOO purogiramu yemapurisa inosanganisira pfuma iri mune chivako chiri (kana mukati mezana mamita makumi mashanu) nzvimbo inotsanangurwa muzvakazi. Inopa $ 10 000 chete yeApri-Premises Property. Muganhu unoshanda kune imwe nzvimbo yako kana mumwe munhu (kana iwe uchibvarura kana kwete) panguva:
- kwechinguva pane imwe nzvimbo yausina iwe, yekutengesa kana kushanda
- pane imwe nzvimbo yekuchengetedza yakakodzwa newe
- pane zvakanaka, trade show kana kuratidzwa
Kana ukashandisa imwe nzvimbo yevanhu kunze kweimba yako, iwe unogona kutenga kutenga imwe inshuwarisi. Muchengetedzi wako angave achida kuwedzera muganhu wepurogiramu yako yePaul Off-Premises.
Inishuwarenzi yezvinhu zvinotengeswa
Mamwe mabhizimusi anotengesa kana kukwereta pfuma kuti ashandiswe kure neimba yavo. Heano mimwe mienzaniso:
- Mumwe makonji wezvivakwa anokwereta bulldozer kuti ashandise mubasa rekuvaka.
- An accounting accounting rents laptop makombiyuta kuti vashandise pane purogiramu yekudzidzira nzvimbo.
- Imwe nyanzvi yekugadzira inoita mutambo wekugara kune vatengi vari munzvimbo yakabhadhari kure nemakamuri ayo. Iyo yakasimba inoshongedza nzvimbo yacho nemifananidzo yakakweretwa kubva kuvartists.
Rimwe divi rebazi renhuwarisi yehurumende, inonzi inland marine inshuwarheni, yakagadzirirwa kuvhara imba inofambiswa. Kune marudzi mazhinji ehurumende yeruzhinji inshuwarisi, uye imwe neimwe inotarisirwa kuvhara rudzi rwehupfumi. Maitiro mazhinji emhenderekedzo yegungwa anowanzovhara pfuma yeumwe munhu kunze kweiyo inshuwarisi.
Mune mienzaniso iri pamusoro apa, kontrakiti inogona kuvhara bulldozer yakakodzwa pasi pesangano remashandisi . The accounting firm ingachengetedza makombiyuta akaroorwa pasi pekushandiswa kwemashandiro emagetsi ehurumende . Kuti atsigire mifananidzo yakakweretwa, chivakwa chekugadzira chaigona kutenga mabhizimisi akanaka .
Kana bhizimisi rako rinoshandisa mari, yakakodzwa kana yakakweretwa kunze kweimba yako, ungada inland marine inshuwarisi. Bvunza vashandi vako ve inshuwarisi kana kuti broker kuti ndeupi rudzi rwe inshuwarisi inonyatsokodzera zvido zvako.
Kwete Akafukidzirwa Nemitemo
Mhosva dzinokonzerwa nekukuvadza kune imwe nzvimbo yevanhu yaunoshandisa mubhizinesi rako haifaniri kuvharwa nehutano hwako. MuMarathon Machining muenzaniso wakarondedzerwa pamusoro apa, fungidzira kuti Marathon wemubhizimisi anopa Larry's Lathing $ 25,000 (muganhu wePfuma yevamwe) nokuda kwekukuvadza kwendarira. Larry's Lathing inopomera Marathon Machining ye $ 50,000 inosara kuti ishandise chikwereti.
Marathon Machining inishuwarenzi kuti iite mutoro pasi peSOO yemhosva yepamutemo . Kana Marathon ichiendesa kudai kune iyo inshuwarisi, iyo inshurensi inogona kuramba kuratidzira. Mitemo yemitemo inosanganisa kukanganisa kwedzimba kumunhu wega pachake muhutarisiro hwekuchengetwa, kuchengetedzwa kana kudzora. Ikoti yaiva mumusungwa waMarathon apo moto wakavapo. Nokudaro, kukanganisa kwendarira kunenge kuri pasi pekuregererwa .