Kuraira
Kuchengetedza, kuchengetedzwa uye kutonga kusarudzwa kunowanzoshanda kumamiriro ezvinhu anosanganisira pfuma yebhail. Basa rekubhadhara riripo apo munhu ane nguva pfupi yemugove weumwe munhu.
Munhu ane nhaka yeimba yacho anonzi sebhailee, apo muridzi wacho ari mubhadhari. Kubhadhara hazvirevi kutengesa kodzero. Iyo bhaari haina kuwana nzvimbo yepaimba, saka iye anofanira kuidzorera iyo kune muridzi kana bhaibheri rapera.
Bhizimisi ringangodaro rine nhaka yeumwe munhu kune zvikonzero zvakasiyana-siyana. Inogona kunge yakabata nzvimbo yacho kuchengetedza kuchengetedza kana kuita chimwe chimiro chebasa pairi. Zvimwewo, bhizinesi raigona kubhadhara kana kukwereta imba kuti ishandise mumabasa ayo kwenguva shoma. Heano mienzaniso yezvibvumirano:
- Iwe une nzvimbo yekudyira inopa chikwata chekushongedza kwevashandi.
- Iwe wakabvisa kopi yemakopi kubva kuhofisi yekuchengetwa kwehofisi kuti uishandise mubhizimusi rako rebhizimisi.
- Iwe une chitoro chemotokari. Bhizimisi rako rine motokari yemotokari mune zvayo kuitira kuti vashandi vako vagone kugadzirisa.
- Iwe une bhizinesi rekuchera uye wakabhadharwa nekambani yekugadzira kuisa piping uye zvigadziri muimba iri kuvakwa. Muridzi wemba akatenga imwe shini yekushambidzira, iyo iwe uri mukugadza kwekuisa.
- Iwe unayo cafe. Mhepo yako ye espresso yakaputsika saka wakakwereta imwe kubva kune imwe nzvimbo yekofi iko kushandiswa kusvikira mushini wako unogona kugadziriswa.
Mune imwe neimwe mienzaniso iri pamusoro apa, une imwe nzvimbo yeumwe munhu pane yako pane chinangwa chakanaka. Iwe unofanira kudzorera iyo pfuma kune muridzi wayo apo icho chinangwa chave chashandiswa.
Kana nzvimbo yacho yakanganisa usati wadzorera nayo, muridzi wacho angatsvaga kudzorera kuburikidza nekuisa chipangamuko chemhosva yekupokana nebhizimisi rako.
Zvinoreva Kutarisira, Mutero, kana Kudzora
Sezvambotaurwa kare, mitemo yakawanda yakawanda uye yemitemo yemhosva ine kuchengetedza, kuchengetedzwa kana kudzora kusarudzwa. Nokudaro, zvinobatsira kunzwisisa zvinorehwa nemashoko, kuchengetedzwa, uye kutonga zvinowanzoreva. Paanodudzira mazwi muinishuwarenti, mareji anowanzotarisa kutsanangurwa kwemaduramazwi ekutungamira. Heano mamwe tsanangudzo dzemashandisirwo ekuchengetedza, kuchengetedzwa, nekudzivirira:
- Kuchengetedza : Kuchengeta nguva; kurinda kutarisa; kutarisira kana kutarisira
- Mutemo : Kuchengetedza; kumhan'ara kana kutonga; kuchengetedza
- Kudzora : Kutonga kana murairo; kudzivisa
Kunyange zvazvo kutarisira, kuchengetedzwa, uye kutonga zvine tsanangudzo dzakasiyana, zvarinoreva zvinenge zvichiitika. Uyezve, imwe neimwe inonzwisiswa. Vagadziri vehurumende, vatsigiri, uye matare havatauri nguva dzose aya mazwi nenzira imwecheteyo.
General Liability Policy
Muchirevo che ISO chepamutemo, kutarisirwa, kuchengetedzwa uye kuchengetedzwa kwekuchengetedzwa kunowanikwa pasi peAverage A, Bodily Injury and Property Damage Liability. Inogona kuwanika muboka rezvinyorwa zvinonzi Damage to Property.
Kuvhiringidzika kunopedza kugoverwa kwekuparara kweimba kune:
Iwe pfuma yako munharaunda yekuchengetedza, kuchengetedzwa kana kutonga kweaishuwarenzi
Cherechedza kuti kutarisirwa, kuchengetwa kana kudzora kusarudzwa kunoshandiswa kumunhu wega pachake chete. Iyo haisi kushandiswa kune chaiyo pfuma, zvinoreva nyika uye zvivako. (Kuparadzwa kwezvivako kunotaridzwa mune dzimwe nzvimbo dzeKubvumira kusvika kune Pfuma kusarudzwa.) Uyezve, kuregererwa kunoreva "kutarisira, kuchengetedzwa kana kutonga," kwete "kutarisira, kuchengetedzwa uye kudzora." Izvi zvinoreva kuti "kuchengetedza," "kuchengetwa" uye "kutonga" kunowanzoonekwa sekuzvimiririra. Uyezve, kubviswa kunoshandiswa kune pfuma yega pachenyu mukuchengetedza, kuchengetedzwa kana kutonga kwea inshuwarisi. Muine inshuwarisi yemhosva, inishuwarenzi inowanzoreva iyo inshuti inonzi in claim or suit.
Mienzaniso Yezvisina Kubvunzwa
Mienzaniso inotevera inoratidzira mhando dzezvitapi zvinotarisirwa, kuchengetedzwa uye kudzora kusarudzwa zvakagadzirirwa kusabvisa:
- Muteereri anokwidza zvinopesana newaresitorendi yako achitsvaga kubhadharwa kwehembe rinopisa rakanyangarika apo uri kutarisira chekudya chekutsvaga chekutsvaga.
- Iwe unodzorera makopi ako kuhofisi yezvitoro mushure mekunge kubhadhara kwako kwapera. Iko hovha iyo inokanda zvimiriro zvinopesana nebhizimisi rako, zvichireva kuti mishonga yakange yakanganisa apo yaive iri mukutarisira kwako.
- Imotokari yemutengi iri kumirira kugadziriswa pachitoro chako chemuviri kana yakabiwa kubva pakuchengetedza kwako. Muteereri anokwidza zvinopesana nebhizimisi rako richida kudzorerwa kwekukosha kwemotokari.
- Muridzi weimba anokonzera kukanganisa kwedzimba pamhosva yebhizimusi rako rebhizimisi. Anoti iwe wakakuvadza dhigi rake idzva apo iwe waiisa muimba yake yekushambidzira.
- Makero ako e espresso akashongedzwa saka iwe unodzorera uyo wawakakwereta kune dhaka rekofi. Muridzi wekutengesa kofi anotaura kuti mishonga yakange yakanganisa apo yaive iri yako. Akaisa chibharo pamusoro pebhizimisi rako achida kudzorerwa kwemakumbo akaputsika.
Commercial Auto Policy
IIO Business Business Policy inewo kutarisirwa, kuchengetedzwa uye kudzora kusaregererwa. Kuvhiringidzika kuri muchechi yemhosva chikamu. Mashoko acho anowanikwa pasi apa.
Pakuvadzwa kwepfuma kana kusvibiswa kwakafukidzirwa mari kana mari inosanganisira zvivako kana kutakurwa neaishuwarenzi kana kuchengetedzwa kwe inshuwarisi, kuchengetwa kana kuchengetedza. Asi kuregererwa uku hakushandisi kune mutoro pasi pegwaro rekushungurudza.
Kuchengetedza, kuchengetedzwa uye kudzora kusagadzikana kunokonzera kugoverwa kwekukuvara kweimba (kusanganisira motokari) iri mukutarisira kwako, kuchengetedza kana kutonga, kana iwe uri iwe kana mumwe munhu. Kuvhiringidzwa kunoshandiswa kumusana wepfuma uye kusvibiswa kunoshandisa mari . Heano mienzaniso yekushorwa kwemhosva. Muzviitiko zvose zvinotevera, funga kuti bhizimisi rako rakachengetedza makambani ose-ane motokari yemhosva kune chekutengesa motokari yemitemo.
- Iwe uri kutyaira motokari inowanikwa nebhizimisi rako kana iwe uchirova chigamba chechando chakaita. Rori rinopinda mumuti, rinokuvadza mugumo wepamberi.
- Iwe unoshanda bhizinesi rokugadzira kombiyuta. Iwe uri kushandisa motori yekambani yekutengeserana kombiyuta kune mutengi kana iwe uri kubatanidzwa mune imwe njodzi. Kombiyuta yemutengi inoparadzwa.
- Iwe uri kutyaira motokari inotora panguva yekutengesera kwebhizimisi kunze kweguta apo iwe pangozi ugodzoka-upedza imwe motokari. Iko motokari inoshandiswa yakakuvara pangozi.
Mune mienzaniso inotaurwa pamusoro apa, kukanganisa kwekarori, kombiyuta, uye motokari yokuraira kwaizova pasi pekuchengetedzwa, kuchengetedzwa kana kudzora kuregererwa. Iwe unogona kuvhara bhizinesi rako kupikisana nekukuvadzwa kwezvitoro zvaunenge uine kana kuti iwe unodhara nekutenga mutengesi wekugadzirisa hutachiona hwekugadzirisa. Kukuvadza kwepfuma iwe unotakura mumotokari kunogona kuvharwa pasi penishuwarenzi yekutengesa inland .
Kunze kwezvibvumirano zveSidetrack
Kutarisira, kuchengetedzwa uye kudzora kusarudzwa kunowanikwa mumitemo yakawanda yepamusoro uye mitemo yemotokari yemabhizimisi ine chikamu chemhosva inofungidzirwa pasi pechibvumirano chekutengesa. A sidetrack (inonziwo spur) chikamu chiduku chenzira iyo inotanga pakati pebhizimisi uye nzvimbo huru yezvitima. Chibvumirano chekugumisa chibvumirano chiri pakati pezvitima uye bhizinesi rezvebhizimisi umo igwagwa rinobvumira bhizimisi kushandisa shanduro. Mukudzoka, bhizinesi rinobvumirana kuritsidzira iyo gwagwa kana inosungirirwa semugumisiro webhizimisi 'kusagadzirisa kushandiswa kwechikwata.