Kuchengetedzwa Kwemungozi
Bhizimisi rinosarudza kuzvidzivirira-inshupu nokuti yakasarudza kuchengetedza ngozi.
Bhizimisi rinosarudza kuwanda kwematambudziko, mumari yemari, nemhando dzezvikanganiso zvinoda kuchengetedza. Izvo zvinogadzira chikwereti chekubhadhara kurasikirwa kunokonzerwa nematambudziko iwayo. Heano muenzaniso.
The Idyllic Inn ihotera huru iri munzvimbo inowanzoonekwa nevatashanyi. Ihotera yacho inowanzoita kuti zviverengwe zvinokonzerwa nemhosva gore negore. Vakawanda vanowirwa nevashanyi vakaramba vachikuvadzwa mumatambudziko ekuzorora-uye-kugwa . Zvizhinji zvekutaura zvave zviduku, asi hotera yakave yakaita zvishomanana zvakadarika $ 50,000.
The Idyllic Inn inobhadhara pasi pechigaro chekodzero yakazara ine $ 1 Mamiriyoni ega ega Chiitiko choga. Ihotera yakasarudza kuchengetedza zvimwe kurasikirwa kuitira kuti kuderedze mari yeinishuwarenzi yemhosva yayo. Nokudaro, mutemo weIdyllic mutemo unosanganisira $ 100,000 self-insured retention. Imwe yekambani yakagadzira mari yekubhadhara zvikwereti zvemhosva. Kana kukanganisa kuchiitika, hotera inofanira kubhadhara madhara kusvika ku $ 100,000 yekuchengetedza mari.
Kana kukanganisa kuri kudarika $ 100,000, Idyllic yemhosva yemubhadhari achabhadhara chikamu chinosara, kusvika kumadhora emadhora emadhora ane $ 1 mamiriyoni.
Kuzvidzivirira kwehupfumi kunogona kuva chikamu chakakosha cherongwa hwekushanda kwevashandi. Kunyange zvakadaro, inowanzowanika chete kusvika pakati pevashandi vakuru kana vakuru. Vashandi vashoma havana mari yekubhadhara kurasikirwa kukuru kunze kwehomwe.
State Laws
Vamwe vanoti zvinoshandisa kushandiswa kwekuzvidzivirira kwega-inshupu sekutsvaga mamwe marudzi e inshuwarisi. Nzvimbo dzakawanda dzinorambidza mabhizimisi kushandisa SIR munzvimbo yekuchengetedza motokari yeroga kunze kwekuti vasangana nezvimwe zvinoda. Semuenzaniso, SIR inogona kubvumirwa chete kana bhizimisi rine ine nhamba yakatarwa yemotokari (yakadai se25). Bhizimisi inogona kudiwa kuti ipe uchapupu hwekuchengetedza kwemari, yakadai semari kana cheti chekuisa. Zvinogonawo kudiwa kutenga motokari yakawanda yemari yveshuwarisi.
Vakawanda, asi kwete vose, vanoti vanobvumira vashandi kuti vazvidzivirire chikamu chevashandi vavo chekubhadhara mari vachishandisa deductible kana SIR. Kuti ushandise self-inshuwarheni, mushandirwi angasungirwa kuwana bhaji-inshuwariti kubva kuchibvumirano chevashandi vehurumende. Zvinogonawo kudiwa kutenga mari yakawanda yevashandi inshuwalense. Iko mari inowedzera mari inoda humwe uchapupu hwekuchengetedza mari, zvakadai sechisungo chekutendeka kana tsamba yechikwereti. Tsamba yekwereti inobudiswa nebhangi. Iko kunovimbisa kuti mari inoshandiswa nemushandirwi ichave yakabhadhara kubhadhara zvikwereti, kunyange kana mushandirwi achinge asisina mari.
Iyo Inoshanda Sei
Heino nzira yekuchengetedzwa kwega-inshupu inowanzoshanda:
Kutanga, iwe unotarisa dambudziko rekusimba kwako uye unoona huwandu huwandu hunogona kuchengetedza kurasikirwa kamwe chete. Iyi mari ichava yako SIR. Semuenzaniso, iwe unosarudza kuti yako yakasimba inogona kubata chero kurasikirwa kupi zvisingadarika $ 1 mamiriyoni. Wako SIR i $ 1 Mamiriyoni. Kana kambani yako inotsigira $ 870,000 kurasikirwa, yako yakasimba ichabhadhara mari yose uye wako insurer haazombobhadhari chinhu. Mubhadhadzi wako haafaniri kusungirwa kubhadhara sezvo kurasikirwa kwako kusina kupfuura SIR yako.
Zvadaro, bhizimisi rako rinoumba mari yekubhadhara kurasikirwa kwose kuri pasi peSIR. Mari yako inofanirwa kuva yakakwana kuti iwane zvose zvaunotaurira iwe paunenge uchitora nguva. Iwe unofanirwa kuverenga huwandu huwandu hwerasikirwa iwe unotarisira kuisa panguva iyoyo. Cherechedza kuti kurasikirwa kwako kwakawedzerwa kunopfuura kudarika kweSIR yako. Somuenzaniso, ngatiti iwe unotsigira kurasikirwa maviri, imwe ye $ 800,000 uye imwe ye $ 400,000.
Hapana kurasikirwa kunopfuura SIR yako, asi pamwe chete inosvika $ 1.2. Kana iwe wakaisa $ 1 mamiriyoni chete kuti ubhadhara kurasikirwa, iwe uchava $ 200,000 pfupi.
Danho rechitatu nderekusika nekuchengetedza kurasikirwa kwekubhadhara mari sezvinodiwa nemutemo. Mari yako inofanira kuitirwa munhoroondo inofarira. Vamwe vanozvidzivirira pachavo vanobatanidza kukanganisa chete. Zvimwe zvinosanganisira zvose zvinokuvadza uye zvinodhura mari. Kana SIR yako inosanganisira zvikwereti zvemari, iwe unogona kunge uine mhosva yekugadzirisa zvirevo zvinowira mukati meSIR. Unogona kukwereta mutongi wechitatu kuti aite basa iri. Zvimwe, insurer yako inogona kugadzirisa zvikwereti uye inokubhadhara iwe nokuda kwezvinhu zvinodhura mari.
A SIR angave akazviisa pasi pePeyer Chiremera kana Chimwe Chimwe Chiitiko . Mutengo wegore negore unogona kushanda zvakare. Chimwe chikamu chinoponesa bhizinesi rako kana ichiita zvinhu zvakawanda munguva yechirongwa iri pasi peSIR.
Pakupedzisira, unogona kusungirwa nemutemo kuti utenge mutemo wakawandisa. Sezvakataurwa pamusoro apa, kugoverwa zvakanyanya kunogona kudiwa kana iwe pachako uine bhizinesi rako rebhadha yako kana yevashandi kusungirwa chikwereti.
Kubatsirwa kweSIR
A SIR anopa zvikomborero zvakawanda. Kutanga, inogona kupa zvikwereti zvakakosha pamishandirapuru yemishuwarenzi. Rimwe ruzivo ndiro rukuru runotonga pamusoro pemhosva yekugadzirisa matanho. Kana kukanganisa kunowira mukati meSIR, unogona kusarudza kana kuigadzirisa kana kukwikwidza mudare. Chechitatu, iwe uchava nechinokurudzira kurasikirwa sezvo iwe uchange uchibhadhara vazhinji vavo vachishandisa mari yako pachako. Chechina, kukwira kwemari kwako kunogona kuwedzera. Iwe uchabhadhara kurasikirwa sezvazvinenge zvichiitika panzvimbo pokuvabhadhara nguva isati yapfuura kuburikidza nemishonga yeinishuwarenzi.
Chinyorwa chakagadzirwa naMarianne Bonner