Ndeapi Ngozi?
Kurwisa kwegandanga kunogona kukanganisa bhizinesi rako munzira dzakawanda.
- Pakuvadzwa kwePfuma Kurwisa kunogona kukonzera kukuvadzwa kwezvivako kune zvivako, kuvaka zvinyorwa, motokari uye imwe nzvimbo yebhizimisi rako.
- Kurasikirwa Kwekuwana uye Kuwedzerwa Kwezvimwe Kuwedzerwa Kurwiswa kunogona kukuvadza nzvimbo yekambani yako, kuchimanikidza kuti ivhare kusvikira kugadzirisa kwapera. Kuvhara kunogona kukonzera bhizinesi rako kurasikirwa nehuwandu hwekuwana mari. Kunyange zvazvo kambani yako inogona kuramba ichishanda pane imwe nzvimbo yenguva pfupi, inogona kuwedzera mamwe mari ekufambisa uye kubhadhara. Kunyange kana nzvimbo yako yakasimba isingakuvadzi, inogona kurasikirwa nemari kana zviremera zvehurumende zvidzivisa kuwana bhizinesi rako.
- Kushanda Kwevashandi Kutambudzwa kwegandanga kunowanzosanganisira kushandisa mabhomba kana zvimwe zvishandiso zvinopisa. Izvi zvinogona kukuvadza zvakakomba kuvashandi vako.
- Mhosva Maitiro emagandanga anogona kuisa mhosva yechitatu yezvemabhizimisi. Semuenzaniso, chiremera chinogona kutaura kuti kukanganisa kwekambani yako kuchengetedza zvakakwana nzvimbo yayo yakasiyiwa nevatengi vanotambura kukurwisa.
Vafambisi Vanofanira Kupa Ugandanga
Zvemabhizimisi pfuma uye mvumo yekuchengetedza mabhizimisi vanoteererwa mutemo wehurumende unonzi Terrorism Risk Insurance Act (TRIA).
Mutemo wakapiwa mugore ra2002. Unoda kutengesa mutengo uye zvivigirisi zvepfuma kuti upe hugandanga kugovera kune avo vanoita zvematongerwo enyika. Kana munhu ane chekuita nehurumende achideredza kugoverwa, anishuwarenzi anogona kubatanidza kupandukira kwehugandanga kumutemo.
TRIA haisi kushandiswa kumabhizimisi ezvokutengeserana , mutoro wemhizha (vamwe kunze kwevatungamiri nevatungamiriri vemhosva ), kubhadhara vashandi, kubhadhara uye kuba, hupenyu uye hutano, kana inshuwarisi yemitemo .
Vatsigiri vanovharizwa kurega kubvisa hugandanga pasi pemhando dzemitemo . Nokudaro, vashandi vanokuvadzwa mubasa nekuda kwekurwiswa kwegandanga kuchakwanisa kubhadharwa pasi pevashandi vekubhadhara mitemo . Saizvozvowo, kukanganisa kumotokari yekambani nekutengesa kwegandanga kunofanira kuvharwa nekutengeserana kwebasa rako rekutengesa, uchifunga kuti motokari yacho inofambiswa nemoto inokuvara .
Bhuku reMabasa Akavigwa chete
TRIA yakasika kurasikirwa-kugoverana nzira pakati pehurumende yehurumende uye vashandi vezvokutengeserana. Hurumende yakabvumirana kugoverana kurasikirwa kunopfuura chikamu chakatarwa. Mukutsinhanisa, inshuwarisi vakabvumirana kuita hugandanga kuwanikwa. Chibvumirano chinoshandisa chete chivimbiso chekuita kwehugandanga . Iri izwi rinotsanangurwa mumutemo. Kuti zvikwanise kuita sechiito chakazivikanwa, chiito chegandanga chinofanira kusangana nezvose zvinotevera:
- kuva chiito chisimba kana chiito chinokuvadza muupenyu hwevanhu, pfuma kana zvivakoti
- ngazviitwe neumwe kana vanhu vakawanda mukuedza kumanikidzira vanhu veku US, kana kuchinja mutemo kana mufambiro wehurumende yeUnited States nekumanikidzira
- kukonzera kukanganisa mukati meUnited States (kana kunze kwenyika pazvikepe zveUnited States kana kuUnited States)
- kukonzera pfuma uye kuurawa kwekurasikirwa kupfuura $ 5 mamiriyoni
- inopupurirwa nevamwe vehurumende veUnited States
TRIA haidi kuti mabhizimisi vabvise zviito zvehugandanga zvisingaiti zvinotarisirwa pamusoro apa. Mune indasitiri yeinishuwarenzi, zviito zvisingafananidzi zviito zvakatendwa zvinogona kutumidzwa se "mamwe mabasa" kana "zvisingazivikanwi zviito" zvehugandanga.
Ugandanga Hwokubatanidza Kubvumirana
Vadzidzisi vemabhizimisi maduku vanowanzowana kuparadzirwa kwehugandanga kuburikidza nekugadziriswa kuwedzerwa kune pfuma kana mutemo. Vamwe vatsigiri vanoshandisa kupandukira kwemagandanga akaitwa neIO . Vamwe vanoshandisa zvibvumirano zvavo.
Ugandanga hunotsigirwa zvinowanzopedza kugoverwa kune zvivimbiso zvakaitwa. Kana chiito chegandanga chichikuvadza nzvimbo yekambani yako uye chiito chacho chakazivikanwa, mhirizhonga inofanira kuve yakafukidzwa nehugandanga hunotsigirwa.
Chimwe chinopesana nehugandanga kugamuchirwa ndechekuita-pangoga purogiramu yehugandanga.
Izvi zvinowanzowanika chete kumakambani makuru uye pakati-kati. Inosanganisira kurasikirwa kunokonzerwa nezviito zvegandanga kana kuti kwete. Sangano rega-roga rinogona kuvhara zviito zvakaitwa kunze kweU.S.
Kusagadzikana uye Kukanganisa
Kuwanda kwehugandanga kugoverwa kwekubvumirwa kunoshandiswa nekutengeserana kwepfuma uye mvumo yekuchengetedza mabhizinesi kune zvisarudzo. Chimwe chekuregwa kunowanzoshandiswa kune zviitiko zvinosanganisira kushandiswa kwenyika yenyukireya, biological, makemikari, kana radiological zvinhu. Kuregererwa uku kwaizobvisa kuvhara kwekukuvadzwa kana kukuvadzwa kunokonzerwa nemirairo yakabudiswa ne "bhomba tsvina".
Chimwe chibvumirano chinowanikwa muhugandanga chinotsigirwa chinoshanda kune zvisati zvisiri izvo zvinoitwa. Munyika dzakawanda, zvisiri izvo zvinozivikanwa zviito zvinogona kubviswa kunze chete kana zvichikonzera kukanganisa kwenjodzi. Semuenzaniso, chiito chisingazivikanwi chinogona kuiswa kunze kwehutano hwemhosva chete kana iyo inokonzera rufu kana kukuvara kwakanyanya mumuviri kune makumi mashanu kana kupfuura vanhu. Pasi pemutemo wepropriti, chiito chisingazivikanwi chinogona kubviswa kunze chete kana chinokonzera kudarika $ 25 mamiriyoni muhuturo hwehupfumi hwepfuma.
TRIA haina kuvhara kurasikirwa kunokonzerwa nehondo. Yakawanda mitoro uye mapurisa emitemo ikozvino kusabvisa dambudziko iri. Kana hugandanga hwakavharwa pasi pehupfumi kana hutsika, huri kurwisana.
Kuwedzera Moto Kuparadza
Apo magandanga akakunda ndege mbiri muWorld Trade Center muna 2001, jet mafuta mumapuraneti akadzima moto mukuru. Iyo moto yakaunza simbi muTwin Towers kuti isakundikana, uye zvivako zvakakoromoka.
Mune dzimwe nyika (inonzi standard fire policy inotaura), vatsigiri veimba vanofanirwa kuvhara moto kunokanganisa kunoitika kubva pane zvegandanga. Kuparara kwemoto kunokonzera kunofanira kuvharwa kunyange kana hugandanga husingawanikwi pasi pemutemo. Nokudaro, kana pfuma yeupurisa iri muhurumende yehutano hwemoto, uye mutemo unosanganisa hugandanga, kubviswa kunofanira kunge kune chikamu chekurasikirwa kunotevera kunokonzerwa nemoto.
Muchirevo chema moto chinodaro, hurasi inotevera inoshandiswa inoshandiswa chete kuchitarisa kurasikirwa nemoto. Vatsigiri havakwanisi kubhadhara mari yebhizimisi kana mari yakawanda yekurasikirwa inokonzerwa nemoto inokonzerwa nechiito chegandanga. Kana iwe usingazivi kana bhizimisi rako rinoshanda munharaunda yehurumende yekutonga moto, bvunza vashandi vako kana mutengesi kuti ajekeswe.
Ugandanga Kurondedzera
TRIA inoda inshuwarisi kuti iise zvimwe zviratidzo pamusoro pemutemo mune pfuma nemitemo.
- Kodzero Yokutenga Kuvhota : Vashandi vekambani vane kodzero yekutenga kugoverwa kwezviito zvakatendwa zvehugandanga pasi pehupfumi nemitemo.
- Cap on Losses: Pasi pe TRIA, kurasikirwa kwehupfumi kunowanikwa pa $ 100 bhiriyoni. Kana chiito chakazivikanwa chikaita $ 100 mabhiriyoni mumarasikirwa ekuchengetedza uye iyo inshuwarisi yakasangana nayo, kana mubhadhari wako kana hurumende yehurumende ichabhadharira zvimwe kurasikirwa.
- Ugandanga Premium: Kana bhizimisi yako yakakupa chikwereti chekuita mabasa akajeka ehugandanga, mari yepamusoro inofanira kuiswa mumutemo.
- Hurumende Inobatanidzwa: Hurumende yehurumende ichagoverana nekurasikirwa kwehugandanga pamwe nemubhizimisi wako kana yako inshuwarisi yakabhadhara kuchengetwa kwayo (kubviswa).
Unofanira Kutenga Zvougandanga Here?
Unofanira kufunga nezvekutenga zvougandanga kugoverwa here? Mhinduro yacho inobva pane zvakasikwa uye nzvimbo yebhizimisi rako. Heano zvimwe zvinhu zvaunofunga nezvazvo:
- Rudzi rweBhizinesi: Mabhizimisi mune mamwe mashizha angave akawandisa kune ngozi yakawanda yekurwiswa kwegandanga. Makambani akadaro anosanganisira hurumende, mauto, simba (mafuta, gesi, magetsi), makemikari, nhau (mapepanhau, magazini nezvimwewo), kutakura (kusanganisira zvikwata zvemafambiro uye zviteshi zvekutengesa), varaidzo, uye kugamuchira vaeni.
- Nzvimbo yeBhizimisi: Zvigandanga zvinowanzotarisa nzvimbo dzine vanhu vakawanda kana dzinokwezva vazhinji vevashanyi.
- Zvinoda Kubhadhara: Vamwe vagari venyika vanoda kuti vashandi vavo vatenge kutengesa hugandanga. Chengetedza zvigadziro zvebasa rako.
- Kurwiswa Kunogona Kusava Nechokwadi: Ichokwadi chokuti kurwiswa kwegandanga kune migumisiro yakaipisisa hakusi kuvimbiswa kwayo. Kushamwaridzana kwa2013 paBoston Marathon kwakauraya vanhu vatatu ndokukuvadzwa kupfuura 160. Kurwiswa kwakakonzera kukanganisa kwema 160 yezvigadzirwa zvebhizimisi uye mabhizimusi emari. Asi, kurwisa kwacho hakuna kumbobvumirwa.
- Chiratidzo Chekuita: Hurumende ichada nguva yekuunganidza dambudziko rekurasikirwa kuti ione kana $ 5 mamiriyoni chivharo chave chaputswa. Izvi zvingatora mwedzi kana makore.
- Mutengo weKubatanidzwa: Ugandanga hwehugandanga hunowanzosvika pakati pe $ 19 ne $ 49 pamamiriyoni emadhora emari yekuchengetedzwa kwenhamba, maererano neUnited Information Institute. Izvi zvinowanzosvika 3 kusvika ku5 muzana yehuwandu hwehupfumi hwehupfumi yehupfumi.