Chikonzero Chokubatsira
Kazhinji, bhizinesi rinopa mamwe mabhizinesi ehupfumi nokuti inomanikidzwa kuita saizvozvo pasi pesungano. Semuenzaniso, Busy Builders anoshandira Easy Electric kuti aise wiring muimba Yakawanda inovaka.
Muridzi weEnglish Electric anopa chibvumirano chekuvaka chinoda Kushanda kuvharidza Vashandi Vanoshanda sevhisi yakawanda pasi peAlex's general dability policy .
Saizvozvowo, Classic Consulting inodzinga motokari kubva kuLarry's Leasing, kambani yekubhadhara motokari. Izvo zvikwereti zvinoratidza kuti Classic Consulting inofanira kusanganisira Larry's Leasing seyezve inshuwarisi pasi peClass's business motokari yemitemo .
Eligibility
Kuti uwane kugoverwa sekuwedzera kwekuchengetwa pasi peimwe sangano remishandi inshuwarisi, munhu kana sangano rinosangana nezvimwe zvido. Zvinoda kusiyana zvichienderana nerudzi rwekugovera.
General Liability Coverage
Kuti kuwedzerwa sehumwe bhizimisi pasi pemitemo, munhu kana chimwe chikamu chinofanira kusangana nezvidimbu zviviri. Kutanga, iye anofanira kuva neukama hwebhizimisi ne policyholder ( anonzi anishuwarenzi ). Mhuri dzakawanda dzakawanda dzebhizimisi dzinoita kuti pave nechido chekuwedzera mari yekuchengetedzwa. Heano mamwe acho:
- Muvakidzani uye muvakidzani
- Gavhuna wekambani nechepasi pekutengesa
- Muridzi weimba uye mukuru wekontract
- Hurumende yehurumende-mvumo yemvumo
- Mutengesi uye mugadziri wemagetsi
Chechipiri, munhu kana sangano rinotsvaga kuparidzira rinofanira kutarisana nemukana wekutongwa kwemhosva kana mutungamiri wehurumende achiita zvisina hanya panguva yebhizimisi ravo.
Somuenzaniso, fungidzira kuti iwe unotengesa nzvimbo yehofisi kubva kune mwene wezvokutengeserana. Muteveri wako anogona kuenda uye oenda paanenge achipinda muhofisi yako. Kana mutengi akakuvadzwa, anogona kukupomera iwe neimba yako kuti akuvadze muviri . Sutu yake inogona kureva kuti iwe unokonzerwa nekukuvara kwake nokuti waiziva kuti chikumbaridzo chakanga chakasununguka asi chakakundikana kumunyevera nezvengozi. Zvinogona kukwikwidza kuti muridzi wemba ndiye ane mhosva nokuti yakundikana kuchengetedza imba yacho zvakanaka.
Vashandi venyika vanoziva kuti vanoonekwa se "midzi yakadzika" nevanogona kunge vanogona kukuvadzwa panzvimbo inotorwa nevarimi. Nokudaro, chikwata chako chichada kuti iwe uise muridzi weimba yako sewezve inshuwarisi pasi pehutano hwako hwemhosva.
Auto Liability Coverage
Zvinotarisirwa kugovera imwezve inshuwarisi pasi pehutachivhu yemhosva yveshuwarisi yakangofanana neye inoshanda kune mhosva yakawanda. Munhu kana sangano rinotsvaka kuparidzirwa rinofanira kuva neukama hwebhizimisi nemunhu anonzi insured (policyholder). Anofanirawo kutarisana nemukana wekutongwa kwematongerwe echitatu semusana pekuregererwa kunoitwa nemunhu anonzi inshuwarisi.
Somuenzaniso, Paul ane Premier Properties, kambani inofamba uye inotengesa pfuma yeimba.
Kambani yaPauro yakashandira Luxury Landscaping kudyara shrubbery itsva pane imwe yenzvimbo dzayo. Pauro anoziva kuti vadzidzisi vekuvaka havawanzokwanisi kukanganisa mabasa anoitwa nevanokonzerana vakazvimirira. Zvisinei, anoziva kuti mutemo uyu unenge usina.
Premier Properties inogona kubatwa nechisimba nekuda kwekukuvadzwa kunotsigirwa nechetatu muchiitiko chemotokari chinokonzerwa nebasa rinonzi Luxury Landscaping. Mutungamiriri wehurumende aigona kuva nemhosva kana, achiti, njodzi yacho yakaitika apo mushandi wekugadzira nyika aive achishandisa mhirizhonga kuna Pauro. Kuti adzivirire kambani yake, Pauro anovimbisa kuti Luxury Landscaping yatenga bhadha yekuvhara kwekutengesa pasi pemaitiro evhizimusi yemotokari yemitemo.
Kana Mutungamiri Wemhosva anopomerwa nechetatu kwekukuvadzwa kunotsigirwa mumotokari yemotokari inokonzerwa nebasa rinonzi Luxury Landscaping.
Hapana kuvimbiswa kunodiwa. Izvi ndechokuti mutemo unowanikwa mumagwaro omnibus pasi pechikamu chiti Ndiani An Insured. Icho chinyorwa chinovhara ani zvake angangodaro anoremekedzwa pamusana pekufambisa kweiye anonzi inshuwarisi.
Property Insurance
Kuti zvikwanise kuva inshupiti pasi pehutano hwepambani yeimwe sangano, munhu kana sangano rinofanira kuva nechido chekuchengetedza muzvinhu zvakapiwa nepurogiramu. Somuenzaniso, fungidzira kuti iwe unoshanda bhizinesi mune chimwe chivako iwe unotengesa kubva kuUnited Properties. Iyo yekutengesa inoda kuti iwe (mubhadhadzire) upe husimba chivako pasi pekutengeserana kweimba yekutengesa . Nokuti Mutungamiriri wega ane chivako chacho, ine chido chisingarambiki mairi. Nokudaro, chibvumirano chako chinoda kuti unyore Premier Properties sewezve inshuwarisi pasi pemutemo wako.
Nhamba yeBhuku
Kuvharidzirwa kwakapiwa kune mamwe insureds kazhinji kunowanikwa mune imwe nzira. Kukanganisa kunoshandiswa kunogona kurondedzerwa mubvumirano kana mumutemo pachako.
Imwe inshuwarisi inowanzowanikwa pasi pemutemo wekutongerwa chete nekuda kwezvikwereti zvinomuka kune zvimwe zviitiko kana maitiro anowirwa panzvimbo yacho neanoronga. Semuenzaniso, kontrakta huru ndeye inshumbisi pasi pesangano rekugadzirisa hurumende chete nekuda kwezvikwereti zvinokonzerwa nebasa rakagadzirwa nemunhu anonyanya kushandiswa kune avo vese vashandi. Saizvozvowo, muridzi weimba anowanzovharwa pasi pemutoro wemuvakidzani wechipatara chete nekuda kwezvikwereti zvinomuka kubva kumushandi wekushandiswa kweimba yakarasikirwa.
Pasi pemutemo wepamberi, imwezve inshuwarheni yakavharwa chete nokuda kwechido chayo chisingagoneki pane imwe nzvimbo yeimba. Premier Properties (mumuenzaniso wekare) yakafukidzwa pasi pehupfumi hwehupfumi hwehutano hwehuyo muhuro. Icho hachisi inshumo pamusoro peimwe nzvimbo inoputirwa nemutemo, zvakadai sezviri mukati mako.
Chinyorwa chakagadzirwa naMarianne Bonner