Harry anoshandisa chivako chikuru chezvitoro mune chimwe chivako chaanotora kubva ku Buildings Inc. Kubhadhara kwaHarry kunoda kuti ave nechokwadi chekuvaka chivako pasi pekutengesa pfuma yepamutemo . Mutemo wacho unotaura ma Buildings Inc. uye bhizinesi raHarry, Harry's Hardware, se insureds. Izvozvo zvinodawo Harry kuti atenge mutemo wezvakawanda zvinosanganisira Buildings Inc.
semamwe inshuwarisi .
Zuva rimwe humwe moto moto unopera muimba apo dhaka rakavharwa. Vanodzima moto vanofunga kuti moto wakatanga mubhagi rekudzokorora apo bateri 9-volt yaita nechidimbu chebwe resimbi. Moto wakakonzera $ 200,000 mukukuvadza kune chivako.
Izvo zvinotarisirwa zvinowirirana neHarry's Hardware zvinosanganisira $ 250,000 muganhu weNokuvadza kune Zvimwe Zvakabvumira Kwaunoita. Moto wakabviswa kubva pasitoro re hardware rekusachengetedza kwekuchengetedza kwezvinhu zvakare zvakare. Kana Building's Inc. inoda kuti Harry's Hardware inobhadhara kuparadza komoto pachivako, kudai kunofanira kuvharwa nehutori hwehutori hwemabhuku. Kunyange zvakadaro, kupisa kwemoto kune chivako kunowanikwa pasi pekutengeserana kwemahofisi Harry yakatenga. Ndeupi mutemo unoshanda pakutanga?
Mimwe Inishuwarenzi Inogadzirisa
Vazhinji vanoti mari yehupfumi pasi pemitemo yenyu inobatanidzwa pane imwe nheyo.
Semuenzaniso, kana mutengi akaisa chirevo pamusoro pekambani yako nokuda kwekukuvara kwemuviri iye akatsigira mumatambudziko ekutsvaira uye kuwira panzvimbo yako, mutemo wako wemhosva unofanirwa kuvhara chirevo pamutsara wekutanga.
Zvisinei, zvimwe zviitiko, kufanana nemoto zvinotsanangurwa pamusoro apa, kubudisa zvikwereti zvinonyatsochengetedzwa nemamwe marudzi emitemo.
Kugadzirisa nyaya iyi, mitemo yemitemo ine hurongwa hwematongerwe eine "Other Insurance". Ichi chinyorwa chinotsanangura kuti chinangwa ichi chichapindura sei kana zvimwe zvirevo zvinoputirwa nemutemo zvinowanikwawo kune imwe nzvimbo.
Apo Dare Renyu Rakawedzerwa
Chimiro chekuita mitemo inopa huwandu hwakawanda hwekurasikirwa kwemarasitirwo akafukidzwa nehutevera.
Moto kana imwe inshurensi yepfuma inobata basa rako
Semuenzaniso, iwe unyanzvi wemagetsi uye uri kuisa magetsi wiring muimba iri kuvakwa. Vose vevakonji vanobatanidzwa muprojekiti (kusanganisira iwe) vanochengeterwa inshumo yekukuvadza mumuviri panguva yekuvakwa kwayo pasi pehutano hwevakiji . Kana iwe uchikanganisa kukanganisa chivako panguva yekuvakwa kwayo, mutemo wekuvaka wekuvaka uchatanga kushanda. Mutemo wako wehutano huchavhara kukanganisa kunokonzerwa nekuregererwa kwako pane imwe yechipiri.
Moto kana imwe inshurensi yepfuma inogadzirisa nzvimbo yaunokwereta (kana kuti uchitora pasina chikwereti nemvumo yomuridzi).
Mumuenzaniso wokutanga, Harry inofanirwa pasi pekutengeserana purogiramu yemari yekukuvadza kune chivako chaanobhadhara kubva pa Buildings Inc. Nemhaka yokuti kuparadzwa kwemoto kune inshumo pasi pehupfumi hwematongerwo enyika, mutemo iwoyo unofanira kushanda pakutanga.
Mutoro weHarry uchashanda pane zvakanyanyisa.
Imwe yveshuwarisi yawakatenga kuti uvhare chikwereti chako semuvaki wekuparara kweimba panzvimbo yaunokwereta (kana kutora pasina chikwereti nemvumo yomuridzi)
Somuenzaniso, fungidzira kuti wakabvarura nzvimbo yehofisi pasi pekubhajisa kwenguva pfupi. Muridzi weimba yako akaisa chivako chivako pasi pekutengeserana kwemahofisi. Kuti uzvidzivirire iwe, wakatenga mvumo yepamutemo yepamutemo, rudzi rwematongerwo ehurumende anovhara mutoro wako wepamutemo wekukuvadza kweimba iyo inowanikwa kune mumwe munhu asi uri kutarisirwa kwako. Kana iwe uchikanganisa kuparadza pfuma iyo yakafukidzwa nemutemo wako wekutonga mutemo, iyo yekupedzisira inofanira kushanda pakutanga. Mutemo wako wekodzero yepamusoro uchashanda sehuwandu hwekugovera.
Chero ipi zvayo yveshuwarisi inovhara mutoro wako wekushandisa ndege, autos kana mvura.
Semuenzaniso, chiitiko chinowanikwa chekutonga chinokonzera kukuvadzwa kwemuviri kana kukuvadzwa kwepfuma iwe unokonzera kune vamwe nekukanganisa paunenge uchishanda zviduku zviduku iwe usina (iwe chero bedzi usingashandisi chikepe kutakura vatengesi kuti vawane mari). Ngatitii kambani yako ine yecht yacht. Iwe wakatenga chirongwa chegungwa chinoputira chikwereti chako nekuda kwechikepe chako uye zvikepe zvausinazvo. Iwe unobvarura chikepe chiduku uye pasina chikonzero chinokonzera njodzi umo mumwe munhu akuvara. Kana munhu akakuvadza akaisa chirevo, chikwata chako chebhati chinofanira kushanda pakutanga. Mutemo wako wekodzero yepamusoro uchashanda pane imwe yechipiri.
Bhuku rakapiwa kwauri sewezve inshuwarisi .
Kana iwe wakafukidzirwa kudai pasi pemitemo yeumwe munhu seyezve inshurenzi, iyo mitemo inofanira kukufukidza iwe pakutanga. Mutemo wako unofanirwa kuvhara kudai pane zvakadzama.
Semuenzaniso, Buildings Inc. inowedzera inshupiti pasi peHarare's Hardware yemhosva yekutaura kwemashoko anobva kunze kwekushandiswa kwaHarry kwechivakwa chakakodzwa. Ngatitii Building's Inc. inosungirirwa nekambani inoti chivakwa chacho chakasvibiswa noutsi kubva mumagetsi ezvitoro. Mhosva yacho inotaura kuti Buildings Inc. inokonzerwa nemoto nekuti yaiziva nezvekuchengetedza kweHarry kusina kukodzera asi yakamboita chimwe chinhu kugadzirisa mamiriro acho ezvinhu. Nokuti kudai kwakabva kunze kwekushandiswa kwaHarry kwechivako chakakodzwa, chirongwa cheHarry chikonzero chinofanira kupindura kubvunzwa kwekutanga. Kana kuvharwa kweHarry kushandiswa kunoshandiswa kumusoro, saka Constant's pachake purogiramu yemhosva inofanira kupa huwandu hwakawanda hwekuvhara.
Kurwisana
Imwe Inishuwarenzi inopihwa mumutemo wako unogona kupesana neavo mune imwe hurongwa. Semuenzaniso, iwe unobhadhara pasi pemitemo miviri, iyo yose iyo iyo inoshandisa iyo pane zvakadarika. Kana mamwe majekesi eInishuwarenzi asingabvumirane, mutemo wezvematongerwo enyika kana chisarudzo chepamutemo chekare chinogona kugadzirisa kuti kurwisana kwakagadziriswa sei.