Inovhara Misangano Yevanhu
Inishuwarenzi yezvinwiwa zvinodhaka inosanganisira zvinodhaka zvinodhaka zvinokonzerwa newaini zvinokonzerwa nekushumira nguva dzose kunwa doro. Izvo zvinotarisirwa kuvhara zvirevo zvinobva mumagariro evanhu sekambani pepikini kana kambani yeKrisimasi. Chimbofunga muenzaniso unotevera.
Zuva remvura inotonhora uye vashandi veTrusty Tax Services vakagadzirira pikiniki paki pedyo nehofisi yaTrusty. Iyo kambani yakapa zvokudya zvekudya uye zvikamu zvakasiyana zvewaini kupemberera kuguma kwemwaka wemutero. Mhemberero idzi dzave dzichienderera mberi kwemaawa akawanda uye dziri kutanga kupera pasi. Tom, mushandi weTrusty Tax Services, ari kunzwa kunzwa uye anopedza nguva yekubva. Anodha bhodhoro rewaini ndokubva aenda kumotokari yake.
Tom anenge ari hafu pamba paanoenda nechimhanho chiratidzo chekumira. Motokari yake inoparadzira motokari inotungamirirwa nebhizimisi wemunharaunda anonzi Sam. Sam akakuvara pangozi uye anokumbira Trusty Tax Services.
Sutu yake inopikisa kuti vashandi vekambani vakanga vasina hanya nekuti vakapa doro kuna Tom mushure mokunge aonekwa akadhakwa. Uyezve, havana kubvumira Tom kutyaira kunyange zvazvo akanga asinganzwisisiki. Sam anoda $ 50,000 mukukuvadza kuripa . Trusty Tax Services inoshushikana pasi pechirevo chekodzero yakawanda inosanganisira $ 1 mamiriyoni pamiganhu yezviitiko.
Mutongo Wechivimbo Wechakavimbiso Icho chichavhara mhosva yaSam? Mhinduro ndeyekuti hongu.
Liquor Liability Kusagadzikana
Kushandiswa kwehuwandu hwezvinwiwa zvinosanganiswa pasi peKutika A yeIO fomu fomu yekuvharidzirwa kwekodzero (CGL). Kuvhara A inoshanda kune zvinokuvadza kune inshuwarisi nekuda kwekukuvara kwemuviri kana kukanganisa kwepfuma . Ichi chinyorwa chinosanganisira kuregererwa kwezvinodhaka. Kuvhiringidzika kunopedza kugoverwa kwekukuvara kwemuviri kana kukanganisa kwemupa iyo chero ani zvake akatengesa angave ane mhosva kana akaita chimwe cheizvi:
- Yakakonzerwa kana kuti yakabatisa kudhakwa kweumwe munhu
- Zvinyorwa zvinodhaka zvakasvibiswa kune mumwe munhu ari pasi pemakore ekunwa kwepamutemo kana "pasi pesimba"
- Vakasvibisa mutemo, mutemo kana mutemo wakabatana nekutengeswa, chipo, kuparadzirwa kana kushandisa doro
Kunyoresa kudhakwa kunoshandiswa chete kunoshandiswa chete kana bhizinesi iri mubhizinesi rekugadzira, kuparadzira, kutengesa, kushumira kana kupa zvidhakwa. Inotungamirirwa kune mabhizimisi sewave wineries, mafirivhi, mabhairi, uye mabhodhoro, ayo maitiro makuru anosanganisira kubudisa, kutengesa kana kushumira doro.
Host Coverage Exception
Makambani asati ari mubhizimisi rekugadzira, kutengesa kana kushumira doro hazvisunungurwi kubva pakunyanyisa doro.
Mabhizimisi akadaro akafukidzirwa kune zvirevo zvinomuka kubva pakushumira doro mune zvekugara. Kuparidzirwa kunowanikwa kunze kwekuregererwa kwezvinodhaka kunoitwa mukuru wezvinwiwa zvine mhosva yekuvhara .
MuTrusty Tax Services muenzaniso, Tom akabatwa nehutano hwehutano hwakatsigirwa neaanoshandira uye akakuvadza wechitatu (Sam). Trusty Tax Services Isiri mubhizimisi rekushumira doro. Nokudaro, kuda kweSam kunopesana neTrusty kunofanira kuwira mukati mekunge kune kuvharirwa kwezvinodhaka. Mhosva yacho inofanira kuvharwa neTrusty's general liability policy.
Nemhaka yekuti mupi wezvokudhakwa zvinodhaka zvinowanzobatanidzwa muBodily Injury uye Zvimwe Zvimwe Zvinokuvadza Zvimwe Chekuita, chero mhirizhonga kana kugadziriswa iyo inshuwarisi inobhadhara zvinodhaka zvine chokuita newaini inoderedza kuitika kwega ega uye zvikamu zvakakwana zvepakati pemutemo.
Zvisinei, dare rinotengesa, mari yemitemo, uye zvimwe zvinoshandiswa nekambani yeinishuwarenzi inobatsira kudzivirira vatsigiri haazogadziri miganhu iyi.
BYOB Kugadziriswa
Doro rekuregererwa kwezvinodhaka mumutemo weCGL rinonyatsotarisana neBOB (ita mabhodhi ako). Kuvhiringidzika kunotaura kuti kambani yako haina kungofungidzirwa "mubhizimisi rezvinodhaka" kana iwe ukangobvumira mumwe munhu kuti adzore doro panzvimbo yako kuti adye ikoko. Izvi ndezvechokwadi kana kuti kwete mari inenge yapiwa kana kuti reisensi inodikanwa pamabasa eBOTOB.
Somuenzaniso, fungidzira kuti kambani yako inotsigira fesheni yevashandi pahofisi yako. Nepo iwe usingaiti chero doro pane zvepati, unobvumira vashandi vako kuti vauye zvavo. Bill, mushandi wako, anouya nehombodo ye bourbon kumutambo. Bhiri inenge isingaiti uye inodonha pamusoro pemudzimai weumwe mushandi, achikuvadza. Kana uyo akakuvara akakwidza bhizinesi rako nokuda kwekuregererwa, mutemo wako wekamanikiti wepamusoro unofanirwa kuvhara sutu. Kambani yako haina kuonekwa "mune bhizimisi rezvinodhaka" zvichienderana nekuti iwe wakatendera mumwe munhu kuti adzore doro panzvimbo yako.
State kana Local Local Statutes
Nzvimbo dzekugara mune zvemagariro dziri pasi pekutongwa nemasangano evanhu nekuda kwekukuvara izvo mapato anotsigirwa semugumisiro wevanhu vakawanda 'kusaregerera, chiito chiri pasi pemutemo wakafanana. Nzvimbo dzekugara mune zvemagariro dzinogonawo kupiwa mari kana kuvharirwa mushure mekunge vopesana mutemo wenyika kana wewaini wezvinwiwa. Nzvimbo dzakawanda dzehurumende dzakagadza mitemo inorambidza vanhu vanogara pakushumira doro kune vana vaduku. Mimwe mitemo inoshandawo kune zvinodhaka zvinoshandiswa kune vanhu vakuru vanoonekwa vakadhakwa. Kuti udzidze kuti mitemo yemagariro evanhu inoshanda sei munharaunda yako kana munharaunda yako, bvunza sangano rako re inshuwarisi kana gweta.
Liquor Liability Coverage
Pakupedzisira, makambani ari mubhizinesi rekugadzira, kushumira kana kutengesa zvinwiwa zvinodhaka hazvina ruzivo rwezvinhu zvinodhaka zvine chokuita nedoro pasi peCGL. Nokuda kwechikonzero ichi, mabhizimisi akadaro anoda kudhakwa kwekutengesa . Izvi zvinochengetedza mabhaji, matenga , nzvimbo dzekudyara uye mabhizimisi akambisana nezvakataurwa nezvekukuvadzwa kunokonzerwa nevanodhakwa.
Doro rekuvhara mari rinogona kugoverwa pane chimwe chiitiko kana chikonzero chakaitwa . Mitemo inopomerwa inowanzosvitsa asi inobata zvirevo zvakagadzirwa munguva yemutemo chete. Bumbiro rekumwa doro rinodhaka haritsivi mutemo wako wekodzero. Kana iwe uine bhizinesi rine chokuita nedoro, iwe unoda mapeji maviri.