Ndezvipi Bhizimisi Vanofanira Kuziva NezveInishuwarenzi Yakaremara
Ndiani Anoda Bhizimisi Kubhadhara Inishuwarenzi?
Zvichida iwe unoita, sezvo isu tiri kurarama munharaunda inotenderera.
Purogiramu yegore negore inotangira kubva ku $ 750 kusvika ku $ 2,000 zvichienderana nehuwandu hwebhizimisi uye zvido zvekugovera. Izvozvo zvechokwadi zvakanyanya kudarika zviuru, kana kwete mamiriyoni, emadhora iwe unogona kuedza kupedza kurwisa nyaya yako mudare.
General inshuwarisi yemhosva inogona kutengwa pachayo, asi inogonawo kuiswa sechikamu cheBhizimisi Wemabhizimisi (BOP) iyo inosunga inshuwarisi yemhosva uye yehupfumi mumutemo umwe. Kana iwe uine BOP, tarisa kuti uone kuti chikwereti chako chekuvhara chikwata chii. Iwe unogona kuona kuti yakadzika kwazvo, pane imwe nguva iwe unogona kuwedzera kugoverwa kuburikidza nemutemo wakasiyana.
Ine LLC inoda Kushandiswa Kwese Inishuwarenzi?
Iwe, semuridzi webhizimisi, unogona kutarisirwa ("mhaka") yezvinhu zvaunoita paunenge uchiita basa nokuda kwekambani yako yekodzero. Somuenzaniso, LLC yako inenge isina kukudzivirira kana:
- Iwe pachako unokuvadza mumwe munhu
- Imi pachenyu munovimbisa chikwereti chebhizimisi kana chikwereti
- Iwe hausi kutarisira bhizimisi yako mitero zvakarurama
- Iwe wakaita nenzira isingatarisirwi kana yemutemo
- Panzvimbo yekurapa kambani yako senhengo yebhizimisi yakasiyana, unosanganisa bhizinesi uye maakaunti evanhu kana mari
Mhando dzeInishuwarenzi Inowanikwa MuInishuwarenzi
Kune marudzi mazhinji emabhizimisi emhosva yebhizimisi.
Dzidza zvakawanda pamusoro pezvinotevera:
Gwaro Rakazara Mukana weInishuwarenzi: Iri bhizinesi rebhizinishuwarensi yemhosva yemainisitiri ndeyekuchengetedzwa kukuru kwekuchengetedza bhizinesi rako kubva kune: zvikwereti zvinokuvadza, zvinokanganisa pfuma, uye zvikwereti zvinotengeswa General inshuwarisi yemhosva inozivikanwa se Commercial Commercial Liability (CGL) inogona kuva iyo chete yebhizimisi yemhosva yebhizimisi yaunoda zvichienderana nebasa renyu rebhizimisi.
Sezvo nehuwandu hwemishonga yemishuwarenzi, hurongwa hwako hucharondedzera huwandu huwandu hwekambani yeinishuwarensi ichabhadhara pamusoro pemhosva yekudavirira. Saka, kana bhizinesi renyu duku richikweretwa $ 250,000 pamari yekurapa inosangana nekukuvadzwa kunokonzerwa nehutano hwebasa, pamwe nemamwe $ 100 000 mumatare edzimhosva, asi kugoverwa kwako kunosvika pamadhora mazana matatu, ipapo iwe uri kukwanisa kubhadhara musiyano we $ 50,000. Iva nechokwadi kuti unoverenga kuitika kwako uye sarudza chinyorwa chichakudzivirira.
Unyanzvi hweUkwereta Inishuwarenzi: Vashandi vekupa mazano vanozofanirwa kufunga kuti vane inshumo yehutano yehutano inonzi "zvikanganiso uye kurasa". Izvi zvinodzivirira bhizinesi rako nekusagadzikana, kukanganisa, kusaregererwa uye kuregererwa. Zvichienderana nehutano hwako, kana chibvumirano chako pachako, zvinogona kuva mutemo unotenderwa kutakura mutemo wakadaro.
Vanachiremba vanoda kuparidzirwa kuti vaite mune dzimwe nyika. Vaongorori vezvesayenzi vanowanzoda kugoverwa mukuzvimirira makontrakita basa.
Mutengo Wemishonga Inishuwarenzi : Mabhizimisi maduku ekutengesa kana kushandiswa kwemishonga anofanira kuchengetedzwa kana munhu achikuvadzwa semugumisiro wekushandisa chigadzirwa. Kuwanda kwehuwandu uye huwandu hwehutano hunoenderana nebhizinesi rako. Mumwe mutengesi wezvigadzirwa zvemafashoni achave nematambudziko mashoma kudarika huni yehuni.