Ndinotoda Commercial Auto Coverage?

Chikonzero Nei Bhizimisi Renyu Ringave Rinodiwa Commercial Auto Coverage

Bhizinesi rako rinodikanwa nekutengeserana kwekutengesa auto here? Kufanana nevana vakawanda vebhizimisi vemabhizimisi, unogona kufungidzira kuti iwe pachako purogiramu yemotokari inopa zvese zvaunoda. Iwe unogonawo kutenda kuti mitemo yako ichakuchengetedza iwe kana uri kubatanidzwa nengozi paunenge uchityaira motokari yaunoshandisa yebhizimisi. Sezvo nyaya ino ichatsanangurwa, iwe unogona kuwana nzira yakaoma iyo mafungiro ako haana kunaka.

Kwete Kugadzirirwa Bhizimisi

A self auto mutemo yakagadzirirwa kuvhara vanhu, kwete masangano emabhizimisi.

Inowanzofananidza bhizimisi semunhu anonzi mazita mumashoko ekuzivisa uye murume wemurume nemhuri yake. Zviri pachena kuti mazwi aya murume nemhuri yemhuri s hazvina kukodzera kune rimwe bhizinesi rimwe rega kunze kwekutengeserana chete. Cherechedza kuti kana bhizinesi rako riri roga rokutengeserana, iwe unogona kuisa nhengo dzemhuri yako pasi pebhizimisi rebhizimisi neNamed Individual Insured Endorsement.

Bhizimusi Hazvibvi

Imwe dambudziko nehupenyu hwehupenyu hwemunhu ndeyekuti havanze zvikwereti zvine chokuita nebhizimisi. Heano zvimwe zvikonzero zvinowanzowanikwa mumitemo yega auto:

• Kusagadzikana Kwezvokutengeserana Kwemabhizimisi Mitemo yakawanda inosanganisa kushandiswa kwemotokari nemumwe munhu akashanda kana kuita zvebhizimisi kunze kwekurima kana kuchema. Kuregererwa hakuiti kune motokari yevanenge vari voga kana kuti pikari duku kana vha risina kushandiswa pakununura kana kutakura zvinhu nezvinhu. Kazhinji, motokari kana vhiri "duku" kana ine chiremera chemotokari pasi pe10 000 pounds. Izvo zvakasununguka zvekuregererwa uku ndeyokuti iwe unoda kutengeswa kwekutengeserana kwekutengeswa kana iwe uine motokari yakakura kudarika 10 pounds. Iwe unodawo kugoverwa uku kana ukashandisa chero motokari yemasikirwo yekutakura zvinangwa kana kutakura zvinhu.

• Auto Business Exclusion Izvi zvinoshandiswa kumotokari inoshandiswa mune bhizinesi rinosanganisira kutengesa, kugadzirisa, kupaka, kuchengetedza kana kushandisa motokari. Mienzaniso ndeye mutengesi uye chigadzirwa chekugadzirisa. Kana ukashandisa chero ipi zvayo motokari ndeyu rudzi rwebhizimisi, unoda bhizimusi auto inshuwarisi.
• Kuvharwa kweLive Kusarudzwa zvose zvinotungamirirwa nemunhu pachake zvinosanganisa kushandiswa kwemotokari (motokari kana yega yevatengesi vemutambo) yekuendesa vanhu kana zvivako zvekubhadhara. Mienzaniso miteresi uye motokari dzinoshandiswa kupa pizza kana mapeji. Kuregererwa uku kunoshandawo kune motokari dzinoshandiswa mumabhizimisi akadai seUber neRyft.

Izvo "motokari yemabhizimisi" yakasunungurwa yakazarurirwa kududzira. Zvisinei, kana ukashandisa goroti kana kuti vha yekuita kuendesa kune vatengi kana kuti kubvisa zvishandiso kune nzvimbo yebasa, unofanira kufunga zvakanyanya kutenga mutemo webhizimisi.

Zvimwe Zviduku

Pane zvimwe zvikamu zvehupenyu hwehupenyu hunoita kuti zvive zvisina kukodzera kutsigira bhizinesi. Heano mamwe acho:

• Kwete Automatic Coverage A self auto mitemo mitemo kugoverwa kune motokari dzakarongwa munguva. Iyo inobhadhara zvishoma kudengenyeka kwemotokari yaunowana panguva yematongerwo enyika. Kusiyana neizvi, bhizinesi rega rega motokari rinokwanisa kuvhara motokari chero ipi zvayo yaunowana munguva yehurongwa.
• Kushanda Kushandiswa Kwekutsvaga Auto Coverag e Pasi pechimiro chemotokari yemitemo, motokari dzinoshandiswa dzakaputirwa nekukuvara kwepanyama chete kana iwe wakatenga kuora kwekugadzirisa kwekushandisa kwe autos iwe pachako. Pasi pebhizinesi rega motori, iwe unogona kutenga kuparara kwekugadzirisa kwemajini kwebhazi chete. Bhizinesi rezvebhizimisi rinosanganisira kurasikirwa kwekushandisa mari uye kutengesa mari. Yakawanda mitemo yega inosanganisa izvi.
• Pasina Kugadziriswa A self self policy haina kukwanisa kushandiswa kwematongerwo enyika. Bhizinesi rebhizimisi rinogona kugadziriswa kuti rizadzise zvido zvako kuburikidza nekushandiswa kwezvigadziriswa zvimoto uye zvibvumirano .

Underwriting Rules

Kunze kwekugadziriswa kwebumbiro pachavo, iwe unofanirwa kufunga nezvekuchengetedzwa kweu inshuwarisi pakutsvaga njodzi dzebhizimisi. Bhizinesi imwe neimwe ine mitemo yayo pachayo. Iwe unofanirwa kuva nehanya navo usati watenga mutemo , kwete mushure mokunge waita njodzi. Muchengetedzi wako angave anofadza kuvhara mamwe marudzi ebhizinesi-kushandisa motos asi kwete vamwe.

Cherechedza kuti vazhinji vega vega vatsigiri vehurumende havangabudisi mutemo unobata motokari yakanyoreswa kune rimwe bhizinesi (kunze kwekutengeserana chete). Kana motokari dzako dzichinyorwa muzita rekambani, kubatanidzwa kana imwe yerimwe bhizinesi rebhizimisi, iwe uchada kutenga zvigadzirwa zvemari zvekutengeserana.

Zvisina Kukwana

Pakupedzisira, maitiro ega ega ega auto haapi kupa mutengo wezvakakwana zvebhizimisi. Murairo wakareba unowanikwa kubva kumunhu wega auto insurer inowanikwa $ 500,000.

Vashandi vekuchengetedza mabhizimisi, kune rumwe rutivi, vanopa nyore kupa $ 1,000,000 auto mvumo yemhosva . Usapindira pahutano inshuwarisi! Iko mari yakashandiswa zvakanaka. Kungozi imwe chete inosanganisira kukuvara kwakakomba mumuviri kunogona kukonzera kukanganisa kukuru kukupomera iwe. Kana iwe uine inshuwalisi yakakwana yekutengesa, rimwe chete ringaita kuti iwe usimbise kunze kwebhizimisi.

Chinyorwa chakagadzirwa naMarianne Bonner