Muenzaniso
Mabhizimisi anokura uye anochinja kwenguva. Apo bhizinesi rinowedzera, rinowanzoda nzvimbo itsva. Heano muenzaniso:
Denise ane Zvakanaka zvaMwari, bhizinesi rekutengesa bhizinesi. Zvinodiwa naMwari zvinoshanda kunze kwechivako chiduku Denise chakatenga makore matanhatu apfuura. Denise anoda kuwedzera bhizinesi rake, asi nzvimbo yake yazvino iri duku zvikuru. Zvinodiwa naMwari zvinoda imwe nzvimbo, naizvozvo Denise ari kutenga chivako chinotevera. Anoronga kushandisa nzvimbo yake yezvino nekuda kwekugadzira. Denise anoronga kugovera chivako chitsva muzvikamu zviviri. Mumwe achavaka kari duku uye imwe ichava nechitoro chezvitoro.
Chivako chekugadzira chikafu chiripo chekuchengetedza pasi pekutengeserana kwemahofisi. Denise anoziva kuti mutemo uyu unosanganisira chimiro chazvino uye zviri mukati. Icho chinangwa chichangozvivharira chivako chaanowana munguva yechirongwa here?
Zvakawanikwa Zvitsva kana Kuvakwa Pfuma
Nzvimbo dzakawanda dzekutengeserana pfuma inosanganisira kugoverwa kunonzi Newly Acquired kana Constructed Property.
Ichi chinyorwa chinowanzopiwa sekuwedzera kweZvako Yenyu iripo uye / kana yeBusiness Personal Property chinyorwa. Ikozvino, kana hurongwa hwako huri kutovhara chivakwa, iwe unogona kuwedzera nzvimbo yako yekugovera yekuvhara chivako chaunowana panguva yematongerwo enyika. Saizvozvowo, kana hurongwa hwako huri kuvhara Business Personal Property, unogona kuwedzera kuti kugoverwa kunosanganisira pfuma yako yaunowana munguva yepurogiramu.
Imitemo yenzvimbo haina kutsanangura shoko rekuwana . Zvichida, pfuma yaunowana inosanganisira pfuma yako yaunotenga, yairenda, inhaka kana kugamuchira nemamwe nzira (sechipo).
Kuvharidzirwa kwakapiwa nzvimbo itsva ichitsvaga kuchengetedza kwenguva pfupi. Ichi chinovhara chinopera mushure mekunge maonana ne insurer yenyu kuitira kuti imba itsva iwedzerwe purogiramu yenyu.
Zvivako Zvitsva Zvakawanikwa
Nzvimbo dzakawanda dzekutengesa dzimba dzemabhizimisi dzinowanzovhara mazita ezvivakwa zvakadai
- Chivako chitsva mukati mekuvaka Chivako chitsva chiri kuvakwa chinowanzovharwa chete kana chiri paimba yakatsanangurwa mumashoko ekuzivisa. Somuenzaniso, fungidzira kuti Denise haatengesi chivako chinotevera. Pane kudaro, anovaka chivako chitsva pane imwechete yakafanana nesimba rake riripo. Sezvo chigadziro chitsva chiri panzvimbo imwechete yakafanana neyekare, inofanira kuvharwa kamwe chete.
- Chivako chaunowana pane imwe nzvimbo Chivako chaunowana pane imwe nzvimbo kunze kweicho chakatsanangurwa mumashoko acho chingave chakafukidzwa, zvichienderana nenzira iyo inoshandiswa nayo. Pasi pemitemo yakawanda yemapurisa, chivako chinofanira kushandiswa kana seimba yekuchengetedza kana nechinangwa chakafanana sechinhu chako chiripo. Kana zvisina kudaro, chivako hachikwanisi kugoverwa seNewly Acquired kana Kuvakwa Pfuma.
Zvitsva Zvakagadzirwa Business Personal Property
Pasi pechirongwa chemuti wepanyika, unogona kuwedzera yako iripo iripo yeBusiness Personal Property yekuvhara pfuma:
- Pane imwe nzvimbo ichangobva kuwanikwa Somuenzaniso, iwe unotenga chivako chitsva chiripo mabheji maviri kubva pane chivakwa chako chiripo. Mutemo wako uchangovhara pfuma yako pachayo iri muimba itsva. Izvi zvinosanganisira pfuma yako inowanikwa mushure mekunge mutemo wakatanga zuva.
- Ini ndine chivako chitsva panzvimbo yako iripo Kana ukasarudza kuwedzera chivako chitsva kune nzvimbo yako iripo, sarudzo yako ichafukidza bhizimusi rako rega rega iro riri muimba itsva. Izvi zvinosanganisira pfuma yako yawakawana kubva pakuronga kwekutanga.
- Panzvimbo yako yaivepo Iri purogiramu inosanganisira nzvimbo itsva yebhizimisi yemunhu iri panzvimbo yakatsanangurwa. Semuenzaniso, iwe unotenga fomu itsva yehofisi yeimba yako iripo.
Nguva uye Kukosha Kwezvikwereti
Pasi pemabhizimisi ezvematongerwo ehurumende, Ichitsvaga Yakagadziriswa kana Yakagadzirwa Pfuma yekuwedzerwa inopiwa chete kana iwe wapedza imwe inshuwarisi yekukoshesa zvinodiwa. Izvi zvinogona kunge zvinosanganisira kubhadhara mari inosvika 80% kana inshuwarisi yakanyorwa pamusoro pekukosha kwekubika.
Pasi pemitemo yakawanda yepaimba, Zvitsva Zvakagadziriswa kana Kuvakwa Pfuma yekugovera zvinotarisana nekuderedza nguva. Kazhinji, pfuma yakadaro inowanikwa chete kana iwe ukashuma kuwanikwa kune yako inshuwarisi mukati mehuwandu hwemazuva. Iwe unofanirwa kubhadhara chero mari yepamusoro yepayimusi yako iyo inishuwarenzi inotsigira iyo nzvimbo itsva. Kana zvisina kudaro, chivako hachizofukidzirwa.
Nguva yekuverengera yeimba itsva ichangobva kuwana inosiyana kubva pane imwe nheyo kuenda kune imwe. Iyi nguva inogona kuva shoma semazuva makumi matatu kana kupfuura mazuva 180. Bhuku rinowanzoguma pashure pokunge nhamba yakatarwa yemazuva yapfuura kubva pawakatenga pfuma kana kutanga kuivaka.
Mienzaniso inoshandiswa
Kugoverwa kwakapiwa nzvimbo itsva ichangobva kuwanikwa hakusi yandi inshuwarisi. Pane kudaro, iri kuwedzerwa kweZvako dzako uye / kana Bhizinesi rePain Property coverage. Izvi zvinowanzoenderana nemiganhu inokosha. Izvi zvinowanzobva kubva ku $ 250,000 kusvika ku $ 1 mamiriyoni kune zvivako zvitsva zvakagadzirwa uye $ 100,000 kusvika ku $ 500,000 kune zvitsva zvepanyika.
Ngatitii mitemo yenyu inopa $ 250,000 muganhu wezvivakwa zvitsva. Kunyange kana mutemo wako unosanganisira $ 1 Mamiriyoni emiganhu yeZvakwa, chero chivako chitsva kana chavakagadzirwa chichava pasi pe $ 250,000 muganhu kusvikira iwe uchitaura chivako chitsva uye kukosha kwayo kune inshuwarisi yako. Kana uchinge wakazivisa wako inshuwarisi, ichawedzera chivako kumutemo wako. Chivako chichave chave chakafukidzirwa pamuganhu wepurogiramu yako.
Kana iwe uchitaura chivako chitsva chaunowana kumubhizimisi wako, yeuka kuwedzera Ma Buildings kana Pfungwa yako yePaul, chero ipi zvayo inoshanda. Semuenzaniso, kana kutenga yako itsva inosvika $ 500,000, iwe unogona kuwedzera yako Zvimwe Zvimwe (kana muganhu weganda ) inopera ne $ 500,000.
Zvivakwa Mukuvaka
Sezvakataurwa pamusoro apa, kuwedzerwa kunowanikwa kweNewly Acquired or Constructed Property kunoshanda kune chivako chiri kuvakwa panzvimbo yakatsanangurwa. Izvi zvinotarisirwa se stopgap chete uye hazvifaniri kushandiswa kuvhara basa rekuvaka.
Ngatitii Denise anosarudza kuvaka chivako chitsva pane imwe nzvimbo yake iripo panzvimbo pokutenga chivako chinotevera. Pamberi pekuvaka zvisati zvatanga, Denise (kana kuti mukuru wekambani yaanobhadhara) anofanira kutenga vavaki vengozi yekuvhara . Ichi chinyorwa chakagadzirirwa kuvhara mapurojekiti ekuvaka. Vavaki vengozi vengozi zvinowanzokonzera kukanganisa kune zvivako zviri pasi pekuvaka ingave iyo inowanikwa nemuridzi wepurojekiti, kontrakta mukuru kana ani zvake anotora chikamu chekuita basa iri.