Ndiani Anozvida?
Mazhinji emabhizinesi anotenga DIC kugoverwa ane mafashamo makuru kana kudengenyeka kwenyika.
Bhizinesi rinowanzoshandisa izvi kugovera chimwe chezvikonzero zvinotevera:
- Yaro yekutengesa pfuma insurer haigoni kana isingadi kuunza kudengenyeka kwenyika kana inshuwarisi yemvura.
- Yaro yekutengeserana pfuma insurer inoda kupa mafashamo kana kudengenyeka kwenyika, asi premium inopfuura yebhizimisi inoda kubhadhara.
- Bhizinesi rakatenga mafashamo kana kudengenyeka kwepisitiri asi inoda mimwe mitero.
Policies Dzoitika
DIC inshuwarisi inowanzogoverwa semutemo wakasiyana. Icho chimiro cheInland marine inshuwarisi. Mazhinji enyika haadi kuti DIC vabatsiri vape mafaira avo kana mafomu emitemo ne inshuwarisi vatongi. Nokudaro, vatsigiri vehurumende vanowanzosununguka kushandisa chero mafomu nemitengo yavanosarudza. DIC Dimi fomu dzinowanikwa, asi vazhinji vapekisi vanovigira DIC inshuwarisi vanoshandisa mafiro avo edzimba. Nekudaro, mazano eDIC anosiyana kubva kune umwe mubhadhari kune imwe inotevera.
Ngave Ive Pokutanga kana Kuwedzerwa
DIC mutemo unogona kushanda pamusoro wekutanga kana kupfuura.
Kana bhizinesi risina imwe mafashamo kana inshurensi yekudengenyeka kwenyika, mutemo weDIC unofanirwa kushanda semushuwarisi wokutanga. Kana bhizimusi rine mamwe mafashamo kana kudengenyeka kwepasi, mutemo uchapa huwandu hwekugadzirisa.
Semuenzaniso, fungidzira kuti ABC Manufacturing ine nzvimbo yekuchengetera zvinhu iri munzvimbo inowanzoita mafashamo.
ABC inotenga mutemo wemafashamo kuburikidza neNational Flood Insurance Program (NFIP). Mutevedzeri wemafashamo anopa mitsara yakareba ye $ 500,000 yekuvaka zvivako uye $ 500,000 zvehupfumi hwemunhu. Zvisinei, kukosha kweimba yekuchengetedza uye zviri mukati mayo zvinenge madhora 8 mamiriyoni. ABC Manufacturing inotenga mutemo weDIC unopa $ 7 mamiriyoni emadziro edzimba uye zviri mukati.
Cherechedza kuti dzimwe DIC vatsigiri vanozopa mvura inshuwarisi yezvivako zviri munzvimbo dzakasvibirira kunze kwekuti nzvimbo idzi dzatove dzakaputirwa pasi pesangano remafashamo ehurumende.
Zviratidzo zveDIC Zvidzidzo
Kunyange zvazvo DIC mitemo yakasiyana, vane zvinhu zvakawanda zvinojairika. Heino muongororwo wakazara wekuvhara DIC.
Zvakafukidzwa Zvinetso
Mamwe maDIC mazano akanyorwa pane mazita anowanzova matambudziko. Iyi mitemo inogumira kupararira kune zvinetso zvinotsanangurwa (kazhinji mafashamo uye / kana kudengenyeka kwenyika). Mimwe mitemo yakanyorwa pamhando dzose dzengozi. Inofukidza kurasikirwa kwepanyama kana kukanganisa kwedzimba yakavharwa nechinokonzera chero chikonzero chekurasikirwa chisina kukanganiswa zvakananga. "Mungozi yose" mazwi anogona kunyengedza sezvo mitemo yacho inowanzosiya mungozi (kunze kwekudengenyeka kwenyika kana mafashamo) ayo akafukidzirwa nehutungamiri hwematongerwo emitemo yezvokutengeserana.
Usati watenga mutemo weDIC, tarisa tsanangudzo dzemafashamo uye kudengenyeka kwenyika .
Aya mazwi angasava nechinangwa chimwechete mumutemo weDIC sezvaanoita mumutemo wekutengeserana weimba yekutengeserana. Uyezve, tsanangudzo dziri mumutemo weDIC dzinogona kupesana nevaya vari mumafashamo kana kudengenyeka kwenyika.
Somuenzaniso, fungidzira bhizinesi rako rakafuridzirwa nekuda kwemafashamo pasi pemutemo weNFIP uye mutemo weDIC. Inyika inofanirwa nemafashamo emvura inotakura maruva nenzira yekutsanangura kwayo mafashamo . Zvisinei, mutemo wako weDIC unonyanya kusanganisira mudslide uye mudflow . Nepo iyo inosviba mafashamo, tsanangudzo yaro yezwi iri haina kusanganisira mudflow. Kurwisana pakati pemafashamo ako neDIC mazano kunogona kuoma kana bhizinesi rako richisimudzira kurasikirwa kunokonzerwa nehudhi.
Mazano mazhinji eDIC anongobvisa kurasikirwa kunokonzerwa nokushandiswa kwemashoko ekuvaka. Kuvaka nheyo dzinoita kuti zvigadziriswe zvidimbu zvinofanirwa kugadziriswa apo chivako chitsva chinovakwa.
Idzi nheyo dzinowanzoshandiswa kune zvivakwa zvekare zviri kugadziriswa kana kugadziriswa mushure mekuchengetedza zvakanyanya kukuvara. Vanogona kuwedzera zvikuru mari yekugadzirisa chivako. Nenzira yakanaka, vamwe DIC vabatsiri vanopa inshumo yekuvaka chivakwa sechisarudzo chekugovera.
Zvikamu uye Deductibles
DIC mitemo inowanzo dzine miganhu yakasiyana yemafashamo uye kudengenyeka kwenyika. Mhando yemiganhu inokanganisa kubva pane chinangwa kuenda kune mutemo. Zvimwe zvine zvose zviitiko zvinokonzerwa nemiganhu uye zviyero zvese. Zvimwe zvinongova nemiganhu chete.
Zvose DIC mazano ane zvigadziriswa, uye zvinowanzokura kune izvo zvinowanikwa pane zvematongerwo ezvematongerwo ehurumende. Kufanana nevakabhadhara vanowanikwa mukudengenyeka kwemitemo, DIC inokwanisika inowanzoenderana nehuwandu hwehutano hwehutete. Somuenzaniso, fungidzira kukosha kwekuchengetedza kwechivakwa kune $ 1 mamiriyoni uye iyo inodhakwa ndiyo 10 muzana. Kana chivako chichisimudzira madhora mazana matatu emadhora, mubhadhadzi wekwereti achabhadhara $ 200,000 chete nokuda kwekurasikirwa. Icho chichabvisa $ 100,000 deductible ($ 1 Mamiriyoni X .1 = $ 100,000) kubva pamadhora $ 300,000 okurasika.
Zvichienderana nehurongwa, ductible inogona kushanda zvakasiyana pane imwe chivako, panzvimbo imwe neimwe, kana kune zvose zvivako munzvimbo dzose. Kazhinji, deductible iyo inoshandiswa kune chivako chimwe nechimwe inoshandiswa sezvo inogona kuva duku kudarika deductible iyo inoshanda kune vose vanochengeterwa pfuma.
Zvichienderana nemitemo, inshuwarisi yeDIC inogona kubhadhara kurasikirwa kunoenderana nemari chaiyo chaiyo kana kuti mari inoshandiswa yemari yakakanganiswa. Kazhinji, iwe unofanirwa kutenga mutemo weDIC unobhadhara kurasikirwa nenzira imwecheteyo yako yekutengesa purogiramu yemugove.
Kwete Coinsurance
Mazano mazhinji eDIC haasati ane coinsurance clause . Izvi zvinoita kuti vashandi vemazano vatsigire zvivako zvavo zvishoma kudarika zvakakwana zvakakwana pasina kutya kwechirango chekudzivirira. Inogonesawo inshuwarisi kuvhara zvivako zvishoma kudarika zvakakwana. Ndizvo zvazviri kune zvivako zvinowanikwa munzvimbo dzinowanzoita kudengenyeka kwenyika. DIC Inishuwarenzi inogona kunge yakagadzirira kuvhara chivako chekudengenyeka kwenyika kudengenye asi chikamu chimwe chete, chakadai se50 kana 75 muzana, chekugadzirisa kwayo.
Bhizimusi Kubhadhara uye Zvimwe Zvimwe Zvinodhura
Pakupedzisira, chirongwa cheDIC chinogona kuvhara kurasikirwa kwemari uye mari yakawedzerwa inokonzerwa nekuparara kwemuviri kunzvimbo yakavharwa nemafashamo kana kudengenyeka kwenyika. Kana kambani yako ichida mari yebhizimisi uye / kana mari yakawanda yemari yveshuwarenzi, iva nechokwadi kuti izvo zvinyorwa zvinowanikwa mune chero ipi yeDIC yaunotenga.