Ndezvipi Bhizinesi Kuwana Chikamu Chaunoda Iwe Unoda?

Chenjerera Coinsurance Mhosva

Kana iwe uri muridzi webhizimisi akasarudza kutenga mari yekuvhara mari , iwe unogona kutarisana nedambudziko. Ndeupi muganhu we inshuwarisi iwe unofanira kutenga? Kupindura mubvunzo uyu kunogona kunge kunonyangadza sezvo zvichida mamwe maitiro akaoma.

Purojekiti Inodiwa

Kurasikirwa kwemari yebhizimisi kunoverengerwa zvichienderana nehuwandu hwekuwana mari yako kambani inorasikirwa panguva iyo bhizimisi rako ravharwa. Kunyanya iwe mubhadhadziro wako achabhadhara kurasikirwa ibha remari yebhizimisi re inshuwarisi.

Kuti usarudze kukwana kwakakwana, unofanira kuita zvinotevera zviviri:

1. Kuwanda kwekuwana mari yako kambani inotarisirwa kuunza kwemwedzi gumi nembiri inotevera. Mari yako yebhizimusi inotarirwa zvichienderana nekufungidzira kwako kweramangwana mari.
2. Nguva yakawanda yaunoda yekugadzirisa zvinhu zvakaparadzwa mushure mekurasikirwa kwenyama. Izvi zvinoreva, kana bhizimisi rako rinomanikidzwa kuvhara nokuti pfuma yakaparadzwa, inguva yakadii yaunoda kugadzira uye kugadzirisa bhizinesi rako nekumhanya zvakare? Mune bhizimusi mari yveshuwarenzi, nguva ino inonzi nguva yekudzorerwa .

Izvi zvinongororwa hazvisi nyore kuita. Asi, zvose zviri zviviri zvakakosha pakugadzirisa zvakakwana kugoverwa kwekambani yako.

Tsanangudzo yeBhizimusi Mari

Rimwe rematambudziko ekutanga pakusarudza bhizinesi rezvemabhizimisi ndekunzwisisa zvinoreva mari yebhizimisi . Pasi pemhando dzakawanda dzemari dzebhizimisi (kusanganisira iyo inofanirwa neIO forms), izwi iri rinoreva kuwanda kwezvinotevera:

1. Net income, zvinoreva kubhadhara purofiti kana kurasikirwa musati mutevedzeri wemitero
2. Kazhinji kushanda mari inoramba iripo mushure mekurasikirwa. Izvi zvinosanganisira mubhadharo.

Kana bhizinesi rako richiwana mari nekubhadhara chivako kune vamwe, unogona kuisa kana kusanidza mari yako yekubhadhara mukuverenga kwebhizimusi mari. Kana huwandu hwekubhadhara huripo muhuwandu, hapana kugoverwa kuchagoverwa kurasikirwa kwemari inotora.

Kana kambani yako ichiita zvose zvayo kubva pane zvekuvakirwa, nzvimbo yako yebhizimisi ichava nemari yekubhadhara chete.

Kuverenga Bhizimusi Mari

Nzira yakarurama kupfuura dzose yekuita mari yako yemwedzi gumi nembiri ndeye kushandisa bhizinesi rekushanda. Iwe unogona kushandisa sendima ye ISO chepaji kana imwe yakagadzirirwa neunishuwarenzi yako. Kana iwe uchida pepa rekushanda, bvunza sendimi yako kana mutengesi kuti awane imwe yako.

Pepa rekushandura rinotsanangura danho-nhanho nzira yekuverenga bhizinesi rekutsvaga mari yako. Danho rekutanga nderokuona mari yakawanda yebhizimisi yako bhizinesi rakagadzirwa mumakore gumi nemaviri akapfuura. Zvadaro, iwe unofunga kuti iwe unowana mari yeiyo yemangwanani gumi nemaviri. Iwe unogona kuita zvirongwa zvako nekugadzirisa mamiriyoni gumi emakore akaitika kare kuti aratidze chero shanduko iwe unotarisira pamusoro pegore rinotevera. Somuenzaniso, kana iwe unotarisira kuti kutengesa kwako kuwedzere ne10 kubva muzana, unogona kuwedzera mari yako yekuwana zvakaenzana.

Vamwe vashandi vebhizimisi vanogona kuwana bhizinesi rebhizinesi rebhizinesi rinoputika. Kana pepa rekushanda richiita sechinyanya kuvhiringidza, bvunza mubhadhadzi wako kuti akupedze iwe.

Kuronga Nguva Yekudzorera

Kana wapedza kupedza mwedzi gumi nemwedzi, iwe unofanirwa kuverenga nguva yekudzorerwa. Kuti uchengetedze bhizinesi rako, kukosha kwako kunofanirwa kuve pane imwe nyaya yakaipisisa.

Somuenzaniso, ngatiti iwe une chivako chaunoshandisa nzvimbo yekuchengetera. Kana chivako chichiparadzwa nemoto kana dutu guru, inguva yakadii yaunoda kuti bhizimisi rako rishande zvakare? Kuvandudza chivakwa kunosanganisira matanho akawanda. Chokutanga, mutsigiri wehushuwarisi achaongorora kurasikirwa. Zvadaro, iwe unoda muumbi wekugadzirira kuvaka chivako chitsva uye kontrakiti kuti aite kuvaka. Kana ukangotarisa matanho ose anowanikwa mukuvakazve, iwe unogona kuverenga nguva yakawanda yavanotora. Nguva yako yekufungidzirwa yekudzorerwa ingave mwedzi mitanhatu, gore, kana yakareba.

Chenjerera Coinsurance Mhosva!

Mafomu akawanda emari ebhizinesi anosanganisira chivimbiso che coinsurance . Iri gwaro rinomira chirango kana muganhu wepurogiramu yako uri pasi pemari inodiwa. Coinsurance inoshandiswa pamutemo wako kana mari yekubhadharisa mari yakanyorwa pane kuziviswa.

Izvo zvikamu zvingangodaro zviripo kubva pa50% kusvika 125%. Inoratidza huwandu hweinishuwarenzi yaunofanira kutakura kuti udzivise chirango.

Somuenzaniso, fungidzira kuti wakatenga bhizimusi mari yekugadzirisa inotarirwa nemari inowanikwa ye $ 1 mamiriyoni. Mutemo wako unosanganisira kudiwa kwemari ye 80%. Kuti udzivise chirango, unofanira kutenga muganhu we $ 800,000 (.80 X $ 1 mamiriyoni). Iwe unotenga $ 700,000 chete semari yekuchengetedza mari.

Mwedzi mitatu muchirevo chako nguva moto inopera muimba yako yekuchengetera. Moto unokuvadza chivakwa ichi, uchikugombedzera kuti uvhare bhizinesi rako kwemavhiki akawanda. Iwe unotambura ne $ 175,000 kurasikirwa kwemari nekuda kwekuvharwa. Iwe unenge uri pasi-inshuwarisi yako yebhizimisi mari inowanikwa ne $ 100,000. Hezvino ndiyo inoshandiswa nemubhizimisi wako kuverenga kurasikirwa kwako:

Kurasikirwa kwekurasikirwa kubhadhara = kurasikirwa chiyero X (muganhu wakatengwa / muganhu unotarisirwa)

Mari inobhadharwa nemubhadhari wako inopa mari = $ 175,000 X (700,000 / 800,000) kana $ 153,125

Unofanira kubhadhara $ 21,875 yakasara iwe pachako. Iyi mari inomiririra chirango chekubhadharwa. Iwe unogona kudzivisa chirango nekutenga chikamu chaidiwa chebhizimisi mari yekuvhara. Imwe nzira ndeyekuti urege kubhadhara mari yakazara nekutenga mari yekubhadhara mari yebhizimisi pane zvakabvumirana .

Premium Adjustment Endorsement

Sezvakataurwa pamusoro apa, zvakakosha kutenga zvakakwana zvekubhadhara mari yebhizimisi kuti urege kubhadhara chikwereti chemari. Asi, zvinogona zvakare kutenga inshuwarisi yakawandisa. Kana muganhu waunotenga uchipfuura chikamu chinodiwa ne coinsurance clause, iwe uchave wakashandisa mari painishuwarenzi isingashandisi. I Premium Adjustment Endorsement inopa mhinduro yedambudziko iri.

Kubvumirana kunopa mari yekubhadhara kana bhizinesi rekubhadhara mari yako richipfuura chikamu chinodiwa ne coinsurance clause. Iwe unofanirwa kuisa miviri miviri yemabhadharo emabhizimisi ako kune ako insurer. Mumwe anofanirwa kuiswa kana yako inotanga kutanga (kana kana kubvumirwa kwabatanidzwa). Chechipiri inofanira kuendeswa mukati memazuva makumi maviri kubva pazuva raunopera mutemo wako. Muchengetedzi wako achaenzanisa muganhu waunotenga kumiganhu yako yaunoda zvichienderana nemari yako chaiye. Kana muganhu wawatenga wakapfuura chikamu chaidiwa, wako insurer achadzorera purogiramu yakawandisa.