Chirongwa Chebhizimisi Inishuwarenzi
Bhizinishuwarenzi yebhizimisi ndeyatsanangudzo yakazara iyo inogona kuputsika mukati mezita mapfumbamwe emishonga yemishuwarenzi uye pano ini ndichatsanangura muchidimbu kugoverwa uye kuwedzera pane idzi semusoro mumwe nomumwe. Nokuti ikozvino, izvi ndezvitsanangudzo zvevanhu vazhinji kuitira kuti tiri kutaura pamusoro pechinhu chimwechete apo ini kushandisa mazwi aya mune zvinyorwa zvakare.
01 - Property Insurance
02 - Casualty Insurance
Vamwe vashandi vanogadzirisa pfuma uye kuurawa kwehutano pamwe chete uye vanotaura nezvekugoverwa sepfuma uye kuurawa kwehutano. Ichokwadi, akaiswa pamapurisa emitengo uye kuurayiwa kazhinji ndiyo yakanakisisa kutenga iyo bhizimisi anogona kuita. Zvisinei, kuva nekunzwisisa mutsauko pakati pekuvhara, ndichakurukurirana ichi sechinhu chakasiyana che inshuwarisi. Casualty inshuwarisi inotsigira kupera kana kurashwa kwebhizimisi.
03 - Mhosva yeInishuwarenzi
Inishuwarenzi yemhosva inodzivisa kupomerwa kwepamutemo pamutemo webhizimisi rako nekuda kwekuregerera kwebhizimisi kana vashandi vayo. Isa imwe nzira, inodzivirira bhizinesi rako apo bhizinesi rinosungirwa nekuda kwekuregererwa.
04 - Commercial Auto
Nhungamiro yako yega motokari haifaniri kuvhara motokari dzinoshandiswa nebhizimisi rako. Kana bhizimusi rako rinoshandisa motokari kana chero chipi zvacho chinodiwa kuti chizive nezita rako, zvino unoda mutemo wekutengesa auto. Kutengeserana kwekutengeserana kunopesana nezvisungo zvinokanganisa kumotokari uye kukanganisa kunokonzerwa kune vamwe nemotokari idzodzo.
05 - Kubhadhara Kwevashandi
Iwe uchada kuvhara vashandi vako kukurwisa pa--ku-kukuvara kwebasa. Nyika yose yakasiyana. Asi, hurumende dzakawanda dzakagadzirisa imwe nzira yevashandi ekubhadhara. Kubhadhara kwevashandi ihurongwa apo mushandi haabvumirwi, nemutemo, kupomera vashandi vavo nokuda kwekukuvadzwa kwebasa; asi, nokudzoka, mushandirwi anofanira kubatanidzwa mune imwe nzira inopa hutori hunenge huchigadziriswa kumushandi kana zvichikuvadzwa pamitambo yezvechiremba uye kukuvara. Kune zvakawanda zvingasarudzwa zvevashandi 'kubhadhara mari. Dzimwe hurumende dzinobvumira mushandi kuti asarudze-kunze kwehutano kana mushandirwi ari iyeye inshuwarisi, vamwe vanomira sangano kuburikidza nevanomwe vatsigiri vese asi vamwe vanoshandisa masangano ehurumende.
06 - Business Interruption
Inishuwarenzi yekushungurudza kwebhizimisi inodzivisa kuparara kana kukanganisa kukwira kwemari uye pfuma yebhizimisi inokonzerwa nebhizimisi risingakwanisi kushanda nekuda kwekukanganisa. Muenzaniso wakareruka ndekufunga pamusoro pechinhu chakakosha chemichina chiri kurohwa nemheni. Kugadziriswa kumumashini kunogona kuvharwa nezvimwe zvivako zvakadai sedzimba kana kuurawa kwehutano. Asi, kana iwe usingakwanisi kuita widgets kwemwedzi mitatu, pane kuti hakuna kuchinjwa kwemari iyo pasina chinyorwa ichi.
07 - Health Insurance
Kuve kukwikwidzana, mabhizimisi akawanda anoda kupa vashandi vavo hutano inshuwarano. Iyi inshuwarisi inopa hutano hwehutano hunobatsira kuvashandi vako (uye iwe).
08 - Inishuwarenzi yeupenyu nehurema
Utano hwehupenyu nekuremara hunodzivirira bhizinesi mushure mekufa kana kuremara kwevashandi vakuru. Semuenzaniso, mumwe mudiwa anotakura inishuwarenzi yehupenyu achitumidza kubatana semubatsiri. Kana munhu iyeye akafa, uye bhizimisi rakarongeka zvakanaka, mari yepurogiramu inogona kushandiswa nebhizimisi kutenga chikamu chechibvumirano chekudyidzana kwebasa kubva munzvimbo.
09 - Other Insurance kana Scripted Policies
Zvingava zvakanaka kuti bhizinesi rako rakasiyana zvikuru nekuve nekudikanwa kwekugoverwa kunova musanganiswa weimwe yezvinyorwa zvakanyorwa pamusoro apa kana chimwe chinhu chakanyorwa zvakananga nekuda kwengozi yako chaiyo. Mumwe anogona kufunga nezvevamwe vateereri, vateereri, kana vhidhiyo nyeredzi dzakagadzikana nemakumbo pane imwe nzvimbo mukati mawo mabasa. Izvi zvingava muenzaniso wepurogiramu yakanyorwa.