Chii chinonzi Insured Inowedzera?
Imwe inshuwarisi ndeye bato iro rakafukidzwa pasi pemutemo wako wemhosva nekuti ane ukama hwebhizimisi newe, uye ukama ihwohwo humuita kuti ashungurwe kune mhosva.
Zvisarudzo zvaunotora, kana kuti zvinokundikana kutora, paunenge uchishanda bhizinesi rako rinogona kuita zvipikiso pamusoro pake.
Semuenzaniso, Jim anogadzira Optimum Organics, kambani inogadzira zvirongwa zvakasikwa. Bheti ane kambani yekugadzira munda inonzi Bountiful Blooms. Bheti rakasimba ndiro guru rinoparadzira Optimum Organics 'fertilizer. Bheti anoziva kuti mutero waanotengesa unogona kukuvadza mutengi kana kutyisa mutengi weimba. Kuti adzivirire kambani kubva pamakambani ekuzvidzivirira , Bete anoda Jim kuti ave nechokwadi chekambani yake kuti ave nemhosva. Bountiful Blooms inowedzera bhizinesi pasi peOptimum Organics 'mvumo yemhosva yakawanda.
Kugutsikana Kunogona Kudiwa
Mimwe mitemo yemitemo inosanganisira mutauro unovhara vamwe mapoka, akadai sevaridzi venyika, sevamwe insureds. Kana hurongwa hwako husingarevi mutauro uyu, mamwe ma insureds anogona kuwedzerwa kumutemo wako kuburikidza nekubvumirwa . Rudzi rwekusimbisa yako inshuwarisi inoshandiswa ichaenderana neukama huri pakati pako nehuwandu hwehushandi.
Kana iyo yakawedzerwa inshuwarisi iimba yako, mwene wako insurer angashandisa kubvumirana kunopfeka vaduku vezvivako . Kana iyo yakawedzerwa inshupu ndeye mutengesi anotengesa chigadzirwa chako, iyo inshuwarisi inoshandisa vatengesi kugamuchira .
Mutauro Wokutsigirwa Unotora Kuvhara
Kuwanda kwehuwandu hwekupihwa kune imwezve inshuwarisi pasi pesimboti yako kunobva pane mutauro uri mukati mokutsigirwa.
Vatsigiri vakawanda vanoshandisa zviyero zvinowanikwa zvehupfumi zvinopiwa neIO . Vamwe vanozvigadzirisa ivo pachavo. Chero zvazvingaitika, kubvumirwa kunongorambidza kuparidzira kune zvikwereti zvinokonzerwa nebasa renyu rebhizimisi pamwe kana kuti kune yezve inshuwarisi. Ndiko kuti, kubvumirwa kunokonzera kugoverwa kunotaura kuti kunobuda kunze kweimba yauri kutengesa, chigadzirwa chauri kutengesa, kana basa rauri kuita.
Muenzaniso
Ngatiti iwe ndiwe muridzi weTerrific Tax Services. Iwe wakangopedza chibvumirano chekugadzirisa nzvimbo mune imwe yezvokutengeserana. Chibvumirano chinoda kuti iwe uwedzere muridzi weimba yako, Buildings Inc., kune chinangwa chako chekuita sehumwe bhizimisi. Zvivakwa zvinoda kuve nechokwadi kuti zvichafukidzwa pasi pehutano hwako kana iwe uchikuvadza nekukuvadza mumwe munhu kana kukanganisa pfuma yeumwe munhu uchishandisa nzvimbo yako yekugara, uye Buildings inosungirwa semugumisiro.
Muchengetedzi wako anopa kubvumirana kuwedzera Buildings Inc. kumutemo wako. Nokuti Imba ndiyo muridzi weimba yako, kubvumira kunogadziriswa kuparidzira kune zvinopesana ne Buildings Inc. iyo inomuka kunze kwehuyo, kuchengetedza kana kushandiswa kwekushandisa kwechivako chechivakwa chinoshandiswa kwauri. Zvivakwa Inc. ndeyekuchengetedzwa chete muhutano hwayo seimba yako.
Iko zvino gore rimwe gare gare uye Bill, mutengi wako, ari kushanyira hofisi yako. Bill anofamba uye anowira pachidimbu chechivako kusvika kumadziro, achivhuna gumbo rake. Bhiri inotevera inodzidza kuti dambudziko remakumbo rave riripo kwemwedzi. Wakazivisa Zvivakwa zvechinetso asi muridzi weimba yako akanga asina kusvika kusvika pakugadzirisa. Iwe hauna kutora matanho, akadai sokuvhara chifukidhi chisina kuiswa nechidimbu chefamberi, kudzivirira mumwe munhu kuti atsike pairi. Bhiri inosundira mhosva yekutsvaga kuipa kwekukuvara kwemuviri. Sutu iyi inoshandisa iwe ne Buildings Inc. sevapomeri.
Nokuti njodzi yacho yakatanga kushandiswa kwemahofisi emahofisi enyu, mutemo wenyu wemhosva unofanirwa kuvhara kudai. Sekuchengetwa pasi pehurongwa hwako, Buildings Inc. inofanira kuvharwa nokuda kwechikamu chayo chemhirizhonga inopiwa kuBill. Muchengeti wako wekuchengetera mari anofanirawo kubhadhara Zvigadzirwa zvekudzivirirwa kwekuvaka izvi zvinodhura hazvifaniri kutapudza mutemo wako.
Zvivakwa Inc. zvine kodzero yekugoverwa chero bedzi ichizadzikisa mabasa anopiwa kune insureds pasi pehutano hwako. Somuenzaniso, Buildings Inc. inofanira kushandira pamwe nemubhizimisi wenyu apo inotsvaga kudai kwaBill.
Kugovera Zvimiso zvePurogiramu Yenyu
Zvakakosha kunzwisisa kuti Buildings Inc. uye chero ipi zvayo yakawedzerwa inshumo inowanikwa mubumbiro rako ichagovera miganhu yakapiwa iwe pasi pemutemo wako . Ngatitii mhosva yaBill inokonzera $ 25,000 mune zvinokuvadza, uye kuti dare rinokumbira iwe uye Zvivako kune mumwe nomumwe kuripa $ 12,500. Iko $ 25,000 mukukuvara ichave pasi pe "chiitiko chega chega" . Ichaitawo kuti uwedzere chikamu chako che "general aggregate". Uyu muganhu unomiririra huwandu hwe inshuwarisi inoramba ichibhadhara zvinokanganisa nekuda kwekukuvadzwa kana kukuvadza kunoitika panguva yako yehurongwa.
Kutsigirwa Kupera
Mumakore achangobva kupfuura, mitemo mitsva yakawedzerwa kune dzimwe mvumo dzekuchengetedzwa kwehupfumi. Zvibvumirano zvakawanda zvino zvinogadzirisa kuparidzira kune zvirevo zvinoreva kukuvadzwa kana kukanganisa kunokonzerwa zvachose kana kuti zvimwe nezviito kana kusasirwa kweainzi anishuwarenzi. Hapana kugoverwa kunopiwa nokuda kwezviito zvinongowanikwa chete kune vamwe vakavimbiswa.
Somuenzaniso, fungidzira kuti Buildings Inc. inobhadhara Peerless Piping, mukonzi wemapuranga, kuisa matsva emvura mapurisa kunze kwehofisi yeIndonesia Inc.. Zvivakwa zvinoda Peerless Piping kuti vatsigire Buildings Inc. sevhisi yechipupuriro pasi pePerless 'mutemo wemhosva. Peerless 'inshurensi inowedzera imwezve yehupfumi inotsigirwa kune peerless' mvumo yekuita. Kubvumirana kune chirevo chakataurwa pamusoro apa. Nokuda kwekudziviswa, dzimba dzakavharwa chete kana kuda kunobva pane chimwe chinhu Peerless Plumbing chakaita, kana kubva pane chimwe chinhu Peerless Plumbing uye Buildings zvakabatana. Kana Zvivakwa zvinosungirirwa chimwe chinhu chine Ma Buildings chete, chirevo chacho hachizofukidzirwa. Izvi zvinowanzotaurwa sekunge kusaregerera kusaregerera . Iko kusingabatanidzi kugoverwa kwekuregererwa kunongowanikwa chete kune vanowedzera bhizinesi.
Pakupedzisira, kuwedzera kwekuchengetwa kwehupfumi kunofukidza Buildings Inc. pasi pehutano hwePelessless Plumbing kune chimwe chirevo. Inogumira kugadzirisa kuita zviito kana kusagadziriswa kwakaitwa munguva yepombi yemakontrakta inopfuurira mabasa ye Buildings Inc. Kana Buildings Inc. inosungirirwa nemhaka yengozi inowanikwa mushure mokunge Peerless apedza basa rekubvongodza, Zvivakwa hazvizofukidzirwa pasi pehuwandu hwekuchengetedzwa endorsement.