Bvisa Bhizimisi Rako Kukurwisa Moto
Zvinoda Kubatsira
Moto ndiyo inokonzera kukanganisa kwepfuma. Muna 2015, moto 1,345,000 wakapiwa muUnited States maererano neNational Fire Protection Association. Iyi moto yakauraya vanhu 3 260 (kusina vatadzi vemoto) uye yakakonzera madhora 14,3 mabhiriyoni muzvinhu zvakashata.
Zvizhinji zvehupenyu hunopisa moto zvinowanikwa munzvimbo dzinogara dzimba, dzinosanganisira imwe-kana-maviri-dzimba dzemhuri, zvivako zveimba, mahotera, uye motels.
Moto unogona kuparadza bhizinesi duku. Mafiriya anokonzera mazhenje, utsi, uye kupisa, chero ipi zvayo inogona kukanganisa zvivako uye zviri mukati. Mvura, mvere uye zvimwe zvinhu zvinoshandiswa nevadzimidzi vemoto kuti dzimise moto zvinogonawo kuparadza nzvimbo. Bhizinesi risina inshuwarisi yemoto inofanira kubhadhara yekugadzira kana kuvakazve kunze kwehomwe. Inogonawo kubhadhara dhipatimendi remoto pamutengo wekudzima moto kana dhipatimendi rekudzima moto rinopihwa pamabasa ayo.
Kana kambani isina mari yekubhadhara izvi, inogona kumanikidzwa kusiya basa. Nokutenga inshuwarisi yakakwana yemoto, kambani inogona kuchinja zvakanyanya mikana yayo yokupona kurasikirwa kukuru kwemoto.
Kushushikana Nekushamwaridzana Nomoto
Mune indasitiri yeinishuwarenzi, moto unosarudzwa seushamwari kana hutsinye.
Moto unobatana ndiwo unogadziriswa nechinangwa uye unoramba uri munzvimbo yakatarwa, yakadai sedzvimbo kana moto. Moto unova nehasha paunopukunyuka kubva pane zvaunoda. Somuenzaniso, moto unobva pamoto unopisa gorosi unopisa gorosi yakadururwa padhofu yekudyira. Moto unofamba rusvingo uye unopisa denga reimba.
Inishuwarenzi yepfuma inosanganisira kukanganisa kunokonzerwa nemoto unotyisa.
Zvemabhizimisi Pfuma Mitemo
Kusvikira pakati pezana remakore rechimakumi maviri, mabhizimisi akazvidzivirira pachavo kupisa komoto kuzvigadziro uye pfuma yega pachake nokutenga inshuwarisi yemoto. Muma1960, vatsigiri vehurumende vakatanga kutengesa mazano emabhizimisi akawanda. Izvi zvakakanganiswa zvakakonzerwa nemhando dzakasiyana-siyana dzepanjodzi, sechimvuramabwe nedutu remhepo, pamwe chete nemoto. Mitemo yakawanda yakaparadzaniswa muma1980 apo ISO yakatanga mavara matsva akanyorwa mumutauro wakareruka. Iyi mafomu achiri kushandiswa nhasi. Zvinosanganisira mutemo wezvokutengeserana wezvokutengeserana uye inyanzvi yebhizimisi (BOP), rudzi rwepurogiramu yemapato .
ACV Inoshandiswa Kuchinja Kwemari
Mitemo yakawanda yemapurisa inobhadhara kurasikirwa kubva kune chaiyo chaiyo mari (ACV) yezvinhu zvakakanganiswa. Zvechokwadi mari inowanikwa inowanzoverengwa kuburikidza nekubvisa chivako chezvivigiro chakawedzerwa kubva kune imwe nzvimbo inoshandiswa.
Somuenzaniso, fungidzira kuti chivako chako chiri inshuwarisi nokuda kwaro chaiyo mari inokosha. Chivako chichasvika $ 3 mamiriyoni kuti atsive. Yaiva nemakore gumi uye yakaderera ne $ 500,000. Iko chaiyo chaiyo mari yakakosha ye $ 2.5 mamiriyoni. Kana iwe ukatsigira chivakwa chinoenderana neAACV, wako insurer haazombobhadhara mari inopfuura madhora 2,5 mamiriyoni kana chivakwa chacho chaparadzwa zvachose.
Iwe uchada kuuya nemamwe $ 500,000 kuti uvakise zvakare sarudzo.
Bhizimisi pfuma pachake inosanganisira zvinhu zvakadai semichina, midziyo, uye fesheni yehofisi. Imba yakadaro inogona kuva inodhura kuti ishandise. Iwe unogona kudzivirira bhizinesi rako pamusoro pemari yakawanda yekunze kwekubhadhara nekuisa inshuwo yako pfuma panzvimbo yekubhadhara mari yakashandiswa.
Kubhadhara mari yekubhadhara kuripa mari yekugadzirisa zvinhu zvakakanganiswa kana kuidzosera neimba yakafanana. Iyi kugovera inodhura zvinopfuura kugoverwa kubva pane chaiyo mari inokosha.
Usapindira Pfuma Yako!
Kufanana nevanowani vebhizimisi, unogona kufunga kuti mari yako yemainishuwarenzi yakakwirira kwazvo. Zvichida wakambofunga kuchengetedza mari pane inshuwarisi yepfuma nekusimudzira pfuma yako zvishoma kudarika zvakakwana. Ichi chakafungwa chakaipa!
Nokuda kwechinhu chimwe chete, hurongwa hwako hahuzofukidzira mari yose yekugadzirisa kana kutora nzvimbo inoparadzwa nemoto kana imwe njodzi.
Chechipiri, mitemo yakawanda yepurazi inosanganisira chibvumirano chekubvumirana chinyorwa kana kuti coinsurance clause. Aya magwaro anopa chirango kana ukakundikana kutenga chikamu chiduku che inshuwarisi maererano nekukosha kwepfuma yako apo kurasika kunoitika.
Somuenzaniso, fungidzira kuti pfuma yenyu inosanganisira kudiwa kwemari ye 80%. Funga kuti nheyo yako inobata kurasikirwa pane imwe nzvimbo inodhura mari. Kana kubhadhara mari yekuvaka yako iri $ 2 mamiriyoni, unofanira kuvhara chivakwa chako kwe $ 1.6 mamiriyoni (80 muzana ye $ 2 mamiriyoni). Kana kurasikirwa kuchiitika uye iwe wakundikana kutenga mutengo unoda wa inshuwarisi, wako insurer haazombobhadhara chikamu chakazara che kurasikirwa. Iwe uchave wakaramba uchibhadhara chikamu chazvo iwe pachako.
Iwe unogona kudzivisa zvikwereti zvekusimbiswa nekutora matanho aya:
- Bvisa nzvimbo yako ye 100% yehuwandu hwayo.
- Hira munhu ane ruzivo ruzivo rwekudzidzira kukoshesa kukosha kweimba yako gore rose kana zvakadaro. Nguva yakanakisisa yekuita izvi isati yasvika zuva rako rekuvandudza dare.
- Usatengesa zvivako zvako zvichienderana nekutengesa mitero yezvivako kana kuongororwa kunopiwa neunishuwarenzi yako.
Kunze kweZimba
Imitemo yenzvimbo ine zvisungo uye zvikanganiso zvinoshandiswa kune mamwe marudzi edzimba. Somuenzaniso, mitemo yakawanda inosanganisa kurasikirwa kana kukanganisa kwenyika, nheyo dzekuvaka, uye mari uye chekuchengetedza . Vakawanda vanopa huwandu hwekugovera mapepa anokosha , zvishongo, nemiti yekunze.
Imitemo inosanganisirawo zvinetso zvinogona kukanganisa mamwe marudzi edzimba. Mienzaniso inokanganisa magetsi, iyo inogona kukanganisa makombiyuta uye deta , uye kuparara kwemagetsi , izvo zvinogona kukuvadza friji yezvigadzirwa. Zvimwe zvezvinetso izvi zvinogona kuvharwa pasi pepepe yakasiyana kana kuvimbiswa kunowanikwa purogiramu.
Bhizimusi Kuwana Mari
Apo pfuma yaro yave yakanganisa zvakanyanya, kambani inogona kumanikidzirwa kuderedza mabasa ayo kana kupfigira mabhizimisi ayo zvachose. Kuvhara zvizere kana zvishoma kunogona kukonzera bhizinesi kurasikirwa nemari kana kutora mari yakawedzerwa. Kurasikirwa kwemari uye mari yakawedzera hazvifukidzwi nemishuwarenzi yemoto. Kuti uzvidzivirire pachako, bhizinesi rinogona kutenga mari yebhizimisi uye mari yakawedzerwa mari yekuvhara.
Kuvaka Makorodhi
Mabhizinesi mazhinji anoshanda munzvimbo dzekare dzisingasvikanisi nheyo dzemazuva ano. Kuvaka mitemo kunosiyana kubva kune imwe nyika kuenda kune imwe nyika uye kuguta kune rimwe guta. Kazhinji, zvivako zvekugara hazvifaniri kutarisana nheyo dzezvino kunze kwekuti dzichigadziridzwa kana kuti dzinovakwa zvakare. Kana chivakwa chichikuvadzwa zvakanyanya nemoto kana chimwe chinetso uye chigadziriswa kana kugadziriswa, chimiro chacho chinogona kunge chichienderana nemitemo yazvino. Kuvandudzwa kunodiwa kunogona kuve kwakadhura. Izvo zvinodhura zvinokonzerwa nemitemo yekuvaka hazvifukidzwi pasi pechiratidzo chepamberi. Chikamu chemari yakadaro inowanikwa pasi pekuvaka chirevo chekuvhara .
Pakupedzisira
Heano mamwe mazano ekuchengetedza inishuwarenzi yako yemoto.
- Dzokorora hurongwa hwako gore negore. Iva nechokwadi chokuti inosanganisira zvivako zvako zvose uye nzvimbo dzako dzose. Tarisa maateresi akanyorwa mubumbiro rinoita kuti ave nechokwadi.
- Kana iwe uine zvivako zvakawanda, funga kuisa insurusi pasi pechirevo chimwe chete nechikwereti chembatya . Imwe mitemo ichave yakaderera kudarika mitemo yakawanda yevanhu.
- Ronga uye kuchengetedza chirongwa chokudzivirira moto. Dzidzisa vashandi vako pamatanho avanofanira kutora kana moto uchiitika. Muchengetedzi wako anogona kupa purogiramu yepurogiramu yekudzivirira moto.
Chinyorwa chakagadzirwa naMarianne Bonner