Marudzi eInishuwarenzi Unofanirwa Nekudya Kwazvo
Kwete iyo nyaya inonyanya kufunga nezvekuvhura imwe nzvimbo yekutengesa , asi iyo inonyanya kukosha: Inishuwarenzi. Ndiyo imwe nzvimbo mune bhizinesi rekutengesa haunoda skimp. Inishuwarenzi inogona kukudzivirira iwe nebhizimisi rako nokuda kwezvizhinji zvezvinetso, kubva pane zvigadzirwa zvakaputsika kusvika kumhosva dzomutoro. Zvichienderana nezvamunogara, iwe uchada mamwe marudzi einishuwarenzi yezvokudya zvako. Iwe uchatodawo kutakura mamwe marudzi einishuwarenzi kuti ugutse bhengi rako rekubhadhara uye rekutengesa.
Kazhinji Inishuwarenzi Yekudya
Imba Inishuwarenzi- - Inodzivirira pfuma yako kana iri moto kana zvimwe zviitiko. Inogona kunge isina kuvhara njodzi dzinongoitika dzoga, dzakadai semafashamo kana kudengenyeka kwenyika (ona pasi apa pane mutemo unobata.) Kana uine chero rudzi rwekubhadhara pamabhizimisi ako uye / kana midziyo, iwe unofanira kutakura inshuwalisi yepfuma .
Gara Mutoro - Iyi ndiyo mitemo inokuchengetedza pane imwe nguva mumwe munhu anotsvaira ndokuwira muhotera yako, anorwara mushure mekudya ikoko (kana iri mhosva yako kana kwete). Izvi ndizvo zvinofanira kunge zviri mune imwe nguva yanhasi-nyika inofara.
Liquor Liability - Zvizhinji zvematongerwo enyika zvinoda kuti chero sangano rakachengetedza doro rekudhakwa rinotakura doro rinodhaka sechikamu che inshuwarisi yavo . Inobatsira kukudzivirira iwe kana mutengi ane zvakawanda zvokunwa uye anotya uye anozvikuvadza ivo pachavo kana mumwe munhu.
Automobile Liability - Kana une motokari yekambani, iyi inishuwarenzi yakanaka yaunayo .
Inogona kuvharwa mumutoro wako wega, asi nguva dzose chengeta newaini yako yehushuwarisi kutanga.
W Warekete Kupiridzwa - Kunokuchengetedza kana mushandi akakuvadzwa kubasa. Zvizhinji zvematongerwo enyika zvinoda kuti vashandi vose vave nemhando yevashandi comp.
Urombo hweInishuwarenzi - Ndeyevashandi vako vasingachagoni kukushandirai kusvikira vawana basa.
Upenyu hweInishuwarenzi yehupenyu - Zvichienderana nekutora chikwereti uye mari yako iwe unogona kutakura hutano hwehupenyu hwehutano inshuwarisi kuti ugutse chikwereti chako. Iyowo pfungwa yakanaka kuva ne inshuwarisi yehupenyu, kana pane chimwe chinhu chiri kuitika kwauri uye nemhuri yako haisi kusiyiwa neresitorendi ivo vasingazivi kuti vanoita sei uye mabhiriro avo vasingakwanisi kuripa.
Moto Inishuwarenzi - Iri rinonyatsotsanangurwa, asi apa pane chinhu chinobatsira pamusoro pekuti inshumo yemoto inoshanda sei mubhizinesi rako duku .
Zvimwe Zvinyorwa zveUshuwarisi
Kune inshuwarisi kune chero chinhu chero chipi zvacho, chiito kana munhu kunze uko. Heano mamwe maitiro einishuwarenzi iwe unogona kutenga nzvimbo yako yekudyira. Asi chengetedza mupfungwa, izvi zvinyorwa zvinokubhadhara zvakanyanya kana kupfuura zvinodarika zvauri kuisa.
Kurasikirwa Kwebhizimisi Inishuwarenzi - Kana ukarasa kurasikirwa kuburikidza nechikonzero chakakosha, rudzi urwu rwezvematongerwo enyika runogona kutora mamwe emari. Ramba uchingorangarira ma-premiums uye deductible ingakuita kuti iwe uputse kunyange, zvichienderana nehuwandu huri kurasika.
Kudyidzana Kwezvokudya Inishuwarenzi - Kana ukarasikirwa nemasimba, nekuda kwemasimba emagetsi akawirwa kana dutu, uye zvose zviri mukati mako kufamba-mu uye yefriji zvakapambwa, mutemo uyu waizobhadhara kuti uwane nzvimbo yekudya.
Inonyanya Kuipa Inishuwarenzi - Izvi zvinosanganisira njodzi dzinongoitika dzoga dzinofambiswa nehushuwarisi hwehutano husingaiti.
Zviitiko sekutengenyeka kwenyika, mafashamo kana kuputika kwemagetsi nemhaka yekuti, inogona kuvharwa pasi pehushuwarisi.
Shandisa mujeri weinishuwarenzi wakatendwa paunenge uchitenga inshuwarisi paunenge uchitanga hotera itsva . Vachaziva mitemo yemunharaunda uye yehurumende maererano nehuwandu hweinshuwarisi yaunoda uye inogona kukubatsira kusarudza kuti iwe unoda kutakura zvakadini. Kutenga reshuwarisi yekutengesa kunogona kuita semari yakawandisa kuti usakwanisa kudzoka, asi nguva dzose zviri nani kuva akagadzirira pazvinouya nebhizimisi rako.