Risk Transfer
Makambani mazhinji anotengesa njodzi nokutenga inshuwarisi. Nokubhadhara chikamu chaicho, bhizinesi rinogona kutumira kune inshuwarheni ngozi yokuti mamwe marudzi ekurasikirwa achaitika. Iyo inshurenzi inotora njodzi yokuti kurasikirwa kunogona kupfuura kudhura kwepuromu iyo inotora kubva kune inshuwarisi.
Bhizinesi rinewo chisarudzo chekuendesa njodzi kuburikidza nechibvumirano chekubhadhara mukonesi . Muchibvumirano chekubvumira, imwe kambani inobvumirana kubhadhara (reimburse) imwe nekuda kwemari yemamwe marudzi emhosva kana mhosva.
Kuchengetedza Ngozi (Self Insurance)
Mabhizimisi mazhinji anosarudza (kana anosungirwa nea insurer) kuchengetedza ngozi. Dambudziko rekuchengetedza njodzi rinowanzotumidzwa se -self-inshuwarisi . Kazhinji, makambani makuru ane zvimwe zvingasarudzwa panyaya ye self-inshuwarisi pane zviduku zviduku nokuti makambani makuru ane simba rakakura rokuwana kurasikirwa. Asi, mabhizimisi maduku anogona kuramba achifarira zvakawanda zvezvibereko zvekuchengetedzwa kwengozi, kunyangwe pamwero muduku.
Kubatsirwa Kwokuchengetedzwa KweNengozi
Imwe nzira yakakura yekuchengetedza njodzi ndeyekuderedza mari yeinishuwarenzi . Nokufunga imwe ngozi, unogona kuchengeta imwe yemari yaungadai wakabhadhara kune inshuwarisi. Self-inshuwarisi inoita kuti iwe uwedzere kutarisana nezvengozi dzawakachengeta.
Sezvo uchange uri kubhadhara kurasikirwa kunze kwehomwe, zvakare, unogona kuedza zvakaoma kudzivirira kuti zvirege kuitika.
Kukanganisa Kwekuchengetedzwa Kwemungozi
Dambudziko rekuchengetedza njodzi rinopa mamwe matambudziko. Imwe ndeyekuti mari yako yekunze yehomwe ingangokura kupfuura iwe yawakatarisira. Nemuenzaniso, kana ukasarudza $ 5000 inotengeswa pamutemo wako wekutengesa pfuma, zvichida hauna kutarisira kuwana $ 4999 kurasikirwa.
Chechipiri, ngozi yekuchengetedza inogona kuunza maitiro ekutungamirira. Ngatiti iwe unosarudza kuzvidzivirira iwe pachako kukuvadzwa kwepanyama pamba yako yemotokari. Kana gori rakakanganiswa iwe unofanira kutarisana nemabasa ekugadzirisa (sekuwana nzvimbo yakagadzirwa yekugadzirisa) iwe pachako pane kuvimba nemubhizimisi kuti uite mabasa iwayo kwauri.
Mhando dzekuchengetedzwa kwenjodzi Dzinoshandiswa neBusiness Small
Heano mamwe maitiro anowanikwa kumabhizimisi maduku ekuchengetedza njodzi:
Deductibles
Deductibles inzira yakawanda yekuchengetedza ngozi. Zvinogona kuva chigoni chakanaka chokuderedza mari yako yepamusoro kana iwe uine mari yekubhadhara mamwe kurasikirwa kunze kwehomwe. Deductibles inoshandiswa mumhando dzakawanda dzemitemo.
Zvivako Zvinyorwa Zvinokanganisa zvinowanzoshandiswa mumitemo yekupa mapepa ekutanga-famba sekutengesa pfuma uye kuparadza kwemuviri . Apo deductible inoshanda, chero kurasikirwa kunowira pasi peiyo yakagadzirirwa kunotsvaga hakuzofukidzwi nemutemo wako. Kana kurasikirwa kunopfuura kudhakwa, bhizimisi inowanzobhadhara iwe musiyano pakati pemari yekurasikirwa uye iyo inobviswa.
Gwaro Rakaremara kana kuti Auto Liability Coverages Deductibles inogonawo kushandiswa kwezvipfungaidzo zvepfuma pasi pekutengeserana kwebasa kana yemitemo yemhosva .
Semuenzaniso, matori anoshandiswa kugadzira marara anogona kuunza zvikwereti zviduku zviduku zvezvipfeko zvinoputika. Nokudaro, kambani inotakura dombo kana zvimwe zvinhu zvekugadzira pamatori zvingatenga mutengo wekutengeserana wekutengeserana unosanganisira kuora kwepfuma kunobviswa zvati, $ 1 000. Kana mumwe munhu anenge achida kubhadhara mari yemhepo inoputsika, kambani yakagadziriswa inobhadhara munhu anenge ataura zvakananga kana mari yakatsvaga isingapfuuri kudhakwa.
Cherechedza kuti mitemo yemhosva inobata vadzidzisi vemabhizimisi maduku haigoni kusanganisira deductible inoshandiswa kumhosva yekukuvadzwa mumuviri . Mitsva inotsvaga kubhadharwa kwekukuvara kwemuviri inogona kukura kunze kwekutonga kana isina kutarisirwa zvakanaka. Nokudaro, inshuwarisi inosarudza kutonga zvirevo zvakadaro ivo pachavo.
Vashandi Kupa Mvumo Vakawanda vehurumende vakabvumidza kushandiswa kwezvirongwa zviduku zvakakonzerwa zvevashandi vanobhadhara inishuwarenzi.
Aya mapurogiramu akasiyana kubva kuhurumende kuenda kune imwe nyika. Mune dzimwe nhepfenyuro "duku" yakabviswa inogona kubva kubva pa $ 500 kusvika ku $ 75,000. Iyo deductible inogona kushanda kune zvekurapa, zvipo kana zvose. Inogona kana kuti isingashandisi kurasi yekugadzirisa mari. Dzimwe nyika dzinoda bhizimisi kuti vape zviduku zvakabhadharwa kumunhu chero upi zvake anoshandira imwe. Mune mamwe masangano, vatsigiri vanobvumirwa asi havakwanisi kupa chirongwa chiduku chekubviswa.
Imwe nyanzvi yebhizimisi iyo inoda kutenga vashandi kubhadhara kubhadharwa nechingoro chiduku kunogona kudikanwa kuti ipe uchapupu hwekuchengetedza kwemari seye tsamba isingashanduki yechikwereti. Iyo deductible inowanzowedzerwa kune inongororo yevashandi yekubhadhara mitemo kuburikidza nekubvumirwa.
Self-insured Retention
A self-insured retention (SIR) inoshandiswa mumitemo yekubhadhara uye yevashandi. Kufanana ne deductible, SIR inomiririra huwandu hwehuwandu hwekuti unobvumirana kuchengeta. Imwe misiyano pakati pemhuri mbiri ine chokuita nekutora mari. Izvo zvinodhura hazviwanzoderedza kudhakwa asi zvinogona kuderedza SIR. Uyewo, apo kudai kunotarirwa kudhakwa mubhadhadziro kazhinji inodzora kudzivirirwa. Kana chirevo chiri pasi peSIR, iyo inshurenzi inogona kudzora kudzivirirwa kusvikira SIR yapera.
Mitemo yakawanda inotengwa nemabhizimisi maduku haisi kusanganisira yekuchengetedzwa kwehupfumi. Zvimwe zviviri ndezvimurape uye zvikanganiso uye zvisizvo zvisiri izvo. Amburera mazhinji ane SIR inoshandiswa kune zvimhosva zvakaputirwa nemusulara asi kwete neshuwasi iri pasi. Semuenzaniso, kudai kunotaura kushungurudzika kwepfungwa kungave kwakafukidzwa nemusulara wako (kuburikidza neshoko rekukuvara kwemuviri) asi kwete nehuwandu hwehutano hwako. SIR pasi pemutemo wechimbera inowanzoshanda kune zvinokuvadza asi kwete kudhura mari.
Vatungamiriri nevatungamiriri , maitiro emabasa uye mamwe maitiro ekukanganisa uye maitiro ekuregererwa kwemitemo angasanganisira SIR. Iyo SIR inogona kushanda kune zvose zvinokuvadza uye mari yekudzivirira.
Girai self-inshuwarisi
Mune dzimwe nyika vashandi vaduku uye vari pakati-kati vanobvumirwa kuzvizvidzivirira kuti vashandi vavo vashandise zvikwereti pamapoka eboka. Iyi sarudzo inobatsira mafemu maduku kuti awane zvakawanda zvezvibatsiro zve-self-inshuwarisi. Mitemo yehurumende inosarudza zvishoma zvido zveboka rega self-insurance program. Kazhinji, vashandi muboka rega-inshupu vanofanira kushanda mabhizimisi akafanana. Kuti udzidze kana inshuwarisi yega-inshuwarisi isarudzo munharaunda yako, bvunza sangano rako kana dhipatimendi renyika inshuwarisi.