Vanhu vazhinji vanovimba nehofisi yeimba havafungi mibvunzo iyi.
Somugumisiro, hofisi yavo inenge isingabatsiri kana kuti isingabatsiri. Nyaya iyi ichajekesa kuti nei varidzi vemuimba vanogona kunge vasingakwanise kugovera zvakakwana hofisi yenyu yeimba.
Vadzidzisi veimba
Vakawanda vebhizimisi vanoita basa kubva kuhofisi yeimba vanofungidzira kuti pamba yavo yeimba yavo ichavadzivirira kune chero ipi neipi kana kukanganisa kukanganisa kunogona kuitika. Iko mafungiro haana kunaka. Chimiro chekuti vagari vemunharaunda vane zvinyorwa zvakasiyana-siyana zvebhizinesi kana zvikwereti.
Property Coverage
Chikamu chemuzinda cheimba yeimba yeimba hachina kugadzirirwa kuchengeta pfuma yebhizimisi. Inowanzopa:
- Kuvharidzirwa kusingabatsiri kwekukuvara kweimba inoshandiswa mubhizinesi. Uyu muganhu unogona kunge wakaderera ne $ 2,500. Chimwe chikamu chakaderera, chakadai se $ 250, chinogona kushanda kune zvivako (sepa laptop) iyo iri kure nekugara kwako.
- Hapana kugoverwa kwevamwe zvivako (zvakadai sekudururwa kwekunze) kunoshandiswa kwezvinangwa zvebhizimisi
- Kushoma kana kusina kugoverwa kwekurasikirwa kana kukanganisa kumabhuku ebhizimisi
- Hapana kugoverwa kwekurasikirwa kana kukanganisa kwebhizimusi data
- Hapana kugoverwa kwekurasikirwa kwemari inokonzerwa nekuvhara kwebhizimisi kunokonzerwa nokurasika kwebhizimisi pfuma
Liability Coverage
Zvinyorwa zvakabatana zvinoshandiswa zvinoshandawo pasi pezvakagadzirirwa chikamu chemutemo weimba yeimba.
Mitemo yakawanda haina kupa chinyorwa che:
- kukuvadzwa mumuviri kana kukanganisa kwepfuma inobva kunze kwebhizimisi rinopinda nehutsigiti. Kuregererwa uku kunoshandawo kune Medical Payments Coverage .
- Kukuvadza kune chero munhu akakodzera kubhadhara vashandi
- zvinodaro zvichibuda kunze kwekupa, kana kukundikana kugovera, mazano ehutano
Tsanangudzo yeBhizinesi
Vazhinji vadzidzisi veminda vanofananidza izwi rokuti "bhizinesi." Iyo tsanangudzo inopesana kubva pamutemo kusvika kumutemo. Heano mimwe mienzaniso:
- chero basa rakakwana kana rimwe remaawa chero ipi zvayo inobatanidzwa mukuwana mari
- basa, basa kana basa, kusanganisira kurima
- chero ipi zvayo yakakwana kana yenguva yakazara, kushambadzira, basa, basa kana basa, zvingave kana kwete iyo inosanganisira chinangwa chekubatsira
Tsanangudzo idzi dzakawanda kwazvo. Zvimwe zvinosanganisira chero chero bhizimusi chero ripi zvaro rinoshandiswa kubva kuhofisi yeimba. Mune mamwe mazano, bhizinesi haritauri basa rokuzvipira, mabasa ekuchengetwa kwemazuva anopiwa pachena, uye mamwe mabasa.
Kuvhara Imba Yeimba
Chii chaunogona kuita kana hurongwa hweimba yeimba yako huchipa kukwana kwakakwana kwehofisi yako yeimba? Iwe une dzimwe nzira dzakasiyana.
Vashandi veimba
Vazhinji vati vapeji veimba vanopa zvipo zvinowedzera kuwanda kwekugoverwa kunowanikwa kune bhizimusi pfuma.
Semuenzaniso, vamwe vatsigiri vanowedzera mari ye $ 2,500 pamunda unoshandiswa mubhizinesi kusvika $ 10 000 kana kupfuura. Zvimwe zvikwereti zvinopa Bhizimusi rekugamuchidza. Izvi zvinogadzirisa hurongwa hwekuvhara bhizinesi raive nemuiti wepurisa kana bhizimisi rinosangana nezvimwe zvinoda. Kuti uwane mamwe mazano ekuwedzera nzira yako, bvunza sangano rako re inshuwarisi kana mutengesi .
Bhizimisi Varimi Purogiramu (BOP)
BOP Bumbiro remapato rinogadzirirwa mabhizimisi maduku. Inosanganisira zvose zvekutengeserana pfuma inshuwarisi uye huwandu hwemhosva yekutengesa mune imwe sarudzo. Vamwe vatsigiri vanopa BOP yakagadzirirwa zvikwereti zvemabhizimisi.
BOP Bhizimusi rekutengeserana . Hazvizogadziri inshuwarisi yeimba yako. Iwe unofanirwa kuongorora BOP kana iwe unowanzoshanyira mabhizimisi kuhofisi yako yeimba (vanhu vanoendesa, vatakuri, vatengi) uye vane hanya nezvemhosva.
Yakasiyana neBusiness Insurance Policies
Chinhu chechitatu ndezvekutenga mutemo webhizimisi we monoline. Semuenzaniso, unogona kutenga mutengo wemabhizimisi ekuchengetedza bhizinesi rako pakurasikirwa nekurasikirwa kana kukuvadza kuhofisi yako yeofisi nemichina. Kana iwe usingadi nzvimbo yekugadzirisa, iwe unogona kutora mutemo wekodzero yakawanda yekudzivirira bhizinesi rako kubva kune zvikwereti zvemazuva matatu kana zviyero.
Kuongorora Ngozi Dzako
Usati watenga inshuwalisi yehofisi yako yeimba, iwe unofanira kuongorora njodzi yako. Chokutanga, tora nhamba yezvinhu zvose zvaunoshandisa mubhizinesi rako, kusanganisira makombiyuta uye software. Zvadaro, iwe uchada kuziva kuti mari yekugadzirisa yebhizimisi yako inoshandiswa. Iwe unogona kutarisa matengo emidziyo mitsva nemidziyo panzvimbo yako yepahofisi yekutengesa. Zvose zvinoshandiswa mari inoshandiswa ndiyo inowanikwa muchengeti weimba yveshuwarenzi yaunoda.
Zvadaro, funga nezvengozi dzemabhuku ako anokosha uye data yezvemagetsi. Unochengetedza zvibvumirano kana mamwe mapepa anokosha muhofisi yako here? Unochengetedza maklayiti mapepa kana data yekambani pakombiyuta yako yepaimba yekumba? Is data yako yakachengeteka here? Data yako haina kuchengeteka kana nhengo dzemhuri dzingakwanise kuwana ruzivo.
Unoshandisa makontrakisi kana rubatsiro rwomumusha here anogona kuwana zvinyorwa zvepapepa, uye data yemagetsi uye zvinyorwa? Kana zvinhu izvi zvakarasika kana zvakakuvadza, chii chaizotora kuti chigadzirise? Kana mari yacho ingava yakawanda, iwe unogona kudikanwa mapepa emapurisa anokosha uye magetsi ekugadzirisa kugovera .
Chechitatu, funga kuitika kwekurasikirwa kwepanyama pamari yako. Kana kurasikirwa kwenyama kune bhizinesi yako pfuma kukumanikidza kupfigira mabasa ako, bhizinesi rako ringarasikirwa nemari yakawanda here? Kana mhinduro yacho hongu, unofanira kufungidzira kutenga mari yekuvhara mari .
Pakupedzisira, funga nezvengozi yako yezvikwereti. Unoita vatengi, shamwari dzebhizimisi, vashandi vekutakura mapato kana vamwe vanhu vanoshanyira hofisi yenyu? kana zvakadaro, funga kutenga inshuwarisi yakawanda yehutano. Kana bhizimisi rako richiita basa kana kupa mazano kune vamwe kune mari, unogona kudarika zvikanganiso uye kubhadhara chikwereti cheshuwarisi .
Chinyorwa chakagadzirwa naMarianne Bonner