Zvinyorwa izvo Zvose Dzimba Dzekudzimba Dzinoda
Kwete izvi chete hazvisi chokwadi, asi mabasa ako emabhizimisi eimba anogona kukanganisa imba yako inshuwarisi. Inishuwarenzi yepamba inowanikwa mudzimba dzevanhu. Kushandisa imba kune zvimwe zvinangwa izvo inshuwarisi yako isingazivi, zvakadai sekushanda bhizinesi rekumba, inogona kusabvisa mutemo wako.
Ndeapi ma inshuwarisi aunoda? Mhinduro yacho inobva kune imwe nzvimbo yebhizimisi-yebhizimisi rauri kushanda. Iwe unogona kutsvaga mimwe mizhinji yemainishuwarenzi ekuvhara mabasa emabhizimisi kubva pane zvakanyorwa pasi apa. Cherechedza kuti makambani akawanda einishuwarenzi iye zvino anopa zvakakodzera mari, imba-based bhizinishuwarenzi yepurasitiki iyo inosanganisira akawanda emhando dzinotevera dzekugovera:
Business Property Insurance
Kunyange zvazvo vashandi vakawanda vebhizimisi vachivimba neimba yavo inshuwarisi yekuvhara kukanganisa, kurasikirwa, uye kuba kwepfuma, mabhizimisi ose emusha anofanira kuva nebhizimisi mukati mehutano inshumo kune zvinyorwa uye kana inshuwarisi yeimba inopiwa neimba yomuridziro yeruzhinji.
Nechinhu chimwe, tarisa zvakapoteredza hofisi yeimba yako uye ita nekufungidzirwa nokukurumidza kwekuti ingadai yakakupa mari yakawanda sei kuti utore nzvimbo yezvakakupoteredza. Vazhinji vemuimba yeimba yeimba vane zvarinotaura zvingangove zvisingakwanisi kudarika nezvirevo zvezvinhu zvebhizimisi semaserafoni, laptops, printers , nezvimwewo.
muzviitiko zvekurasikirwa. Ndezvipi zvezvikoro zvepahofisi yako yekumba iwe waizokwanisa kutora mari iyo iyo yakabiwa?
Kune imwe, inoshandiswa yezvinhu zvose zvebhizimisi raunoshandisa kugara mumba mako nguva dzose here? Zvishandiso zvebhizimisi zvinongoputirwa chete nemutemo weimba yako paunenge uri panzvimbo yako.
Kana uine laptop kana foni yako yaunoshandisa kunze kwemusha wako, uchada zvakaparadzana mukati uye pfuma inshuwariti.
General Liability Coverage
Imwe rudzi rwe inshuwarisi iyo yose yemabhizimisi edzimba inofanirwa kuva nayo inowedzera mari yakawanda yehutano inshuwarisi . Kana tete vako ari kushanyira uye akadonha uye achiputsa gumbo rake, mutemo weimba yeimba yako achaifukidza; kana muchengeti ari kushanyira uye achiwa uye achiputsa gumbo rake, hazviiti. General inshuwarisi yemhosva inokonzera kukuvadzwa kune vatengi nevashandi pamabhizimisi enyu uye kune dzimwe nzvimbo.
Kuti iwe unoda here kana kwete iwe unoda mamwe marudzi einishuwarenzi inobva kune rudzi rwebhizimisi rekumusha uri kushanda.
Bhizimisi Motokari
Semuenzaniso, unoshandisa motokari yako nekuda kwebhizimisi here? Kana zvakadaro, iwe unoda kuva nemotokari yako yakachengetedzwa zvakachengetedzwa kuitira bhizimisi kushandiswa kuvhara chero upi zvake kumotokari yako uye kuvhara chikwereti chako kune vamwe kana iwe uri kubatanidzwa nengozi.
Inishuwarenzi Inowanikwa Muropa
Ko bhizimisi rako rinobva kumba rinosanganisira kutengesa chigadzirwa? Zvino iwe unofanira kufunga nezvekuchengetedzwa kwemishonga yveshuwarisi yekuchengetedza bhizinesi rako kubva kune chikwereti chinokonzerwa nekusagadzirisa kwechigadzirwa chacho.
Professional Liability Inishuwarenzi
Ko mabhizimisi ako emusha anopa mazano?
Kana zvakadaro, iwe unoda rumwe rudzi rwemishurensi yemhosva. Inyanzvi yehutano yveshuwarisi inodzivirira iwe nevanotenga. Kana munhu anenge ataura kuti akatambura akatadzira kuburikidza nezviito zvako semuongorori, inshuwarisi yako yehutano inobhadhara ichadzivirira yako pfuma yako uye kubhadharira zvidziviriro zvako pamusoro pezvakadaro. Kugoverwa kwakadaro kunovimbisawo kuti muteresi anenge akatambura kukuvadzwa achagadzirirwa zvakakwana.
Kune marudzi akawanda akasiyana-siyana ehushuwarisi yemhosva yechipatimendi iyo maimba-based business bhizimisi angada. Inishuwarenzi isina kukodzera inokuchengetedza kubva pamabhadharo anokonzerwa nekurapa kunokanganisa. Apo isu pakarepo tinowanzofunga nezvevashandi vanopa rubatsiro rwehutano uye hwehutano hwakadai sachiremba, vanachiremba vezino, uye physiotherapists, patinofunga nezvekushaya mari inshuwarisi, kune vamwe vakawanda vanoita zvekumba vanogona kudikanwa inshuwarisi yakadaro, kubva kune vabati vehodzi kuburikidza neveja vanogadzirisa.
Zvikanganiso uye Kupererwa Kwemishuwarenzi
Kana bhizimusi rako rekumba rinosanganisira kubhadharwa kuti upe mazano anyanzvi, unoda zvikanganiso uye kusvibiswa kweinishuwarenzi . Kana mumwe munhu anenge ataura kuti iye akatambura anokanganisa nokuti mazano ako akanga asina kukwana kana asina kukwana kana nekuda kwechiito chekuregeredza pane iwe, kukanganisa uye kusvibisa inshuwalisi kuchavhara kuzvidzivirira kwako uye kukanganisa kunopiwa kune muteresi kana nyaya yacho ichipikisana newe.
Uye kana bhizinesi rako rekumba rinosanganisira kupa zvipatara panzvimbo dzekombiyuta, unogona kuda kupedzwa mabasa ekudzivirira kuti akuchengetedze kubva pamutoro unogona kubuda mushure mokusiya nzvimbo yevatengi, uye unotanga kushandisa chero chauri kushanda nacho uye kukuvara kana kukuvara kunowanikwa.
Iniwo ndinokurudzira zvikuru vadzidzisi vemabhizimisi vanogara kumba vanovimba nebhizinesi ravo sechinhu chemari yekuwana mari yekufungidzira kutenga unishuwarenzi hwekuremara, iyo inobata mari yako yakarashika kana iwe wakagadzikana uye usingakwanisi kuita bhizinesi rako.
Business Interruption Insurance
Iwe unogonawo kufunga kufunga kutenga inshuwarisi yekuvhiringidza kwebhizimisi , iyo ichazadzisa mari yako yakarashika kana iwe ukamanikidzwa kusimamisa mabhizimisi ako nokuda kwemoto, mafashamo kana dzimwe njodzi. (Kuva nepurogiramu yenjodzi nguva dzose iri pfungwa yakanaka zvakare kana zvakadaro.)
Additional Information
Inishuwarenzi Bureau reCanada
Vatungamiriri uye Mahofisi Emhosva Inishuwarenzi