Iintlobo ze-Inshorensi ozifunayo kwi-Restaurant yakho
Ayikho isihloko esicacileyo sokucinga malunga nokuvula ivenkile entsha , kodwa enye ebaluleke kakhulu: Ininshurensi. Ingomnye ummandla kwishishini lokutyela awufuni ukuyifaka. Ininshurensi inokukukhusela wena kunye nezoshishino lakho kwiintlobo ezininzi zeengxaki, kwizinto zokusebenza eziphukileyo ukuya kumacala okugweba. Ngokuxhomekeka apho uhlala khona, uya kufuna iintlobo ezithile ze-inshorensi yakho yokutyela. Uya kufuneka kwakhona ukuba uphethe iintlobo ezithile ze-inshorensi ukuze ukwanelise imali yakho yeebhanki kunye nokuboleka imali.
Iinshorensi eziqhelekileyo zokutya
Inkonzo Yomshuwalense- -Ikhusela ipropati yakho xa kwenzeka umlilo okanye ezinye iziganeko. Inokuthi ingabandakanyi iintlekele zemvelo, ezifana nezikhukula okanye iinyikima (jonga ngezantsi kwipolisi eyenzayo.) Ukuba unayo nayiphi na uhlobo lokuboleka imali kwi-shishini lakho kunye / okanye nezixhobo, kufuneka uqhube umgaqo-nkqubo womshuwalense wepropati .
I-General Accountability - Lo ngumgaqo-mbambulu onokukhusela kwimeko apho umntu ephosa kwaye ewela kwindawo yokudlela, uyagula emva kokutya apho (nokuba bekuyiphutha lakho okanye cha). Oku kufuneka ukuba ube nehlabathi elinomdla namhlanje.
Ubume beTywala - ezininzi zifuna ukuba nayiphi na isiseko sokubamba ilayisenisi yotywala ithwala uxanduva lotywala njengenxalenye yomshuwalense . Inceda ukukhusela ukuba umthengi uninzi kakhulu ukusela nokuqhuba kwaye azizibuhlungu okanye omnye umntu.
I-Automobile Liability - Ukuba unemoto yenkampani, le yinshurensi enhle ukuba ibe nayo.
Inokuthi ibhekiswe kumthwalo wakho jikelele, kodwa qho rhoqo ukhangele ne-inshente yakho ye-inshorensi yokuqala.
Ukuhlawulelwa kwamagqabi - Ukukhusela ukuba umqeshwa uphathwe emsebenzini. Uninzi lwamazwe lifuna ukuba bonke abaqeshi baphathe uhlobo oluthile lwabasebenzi.
Inkonzo Yomshuwalense Wengqesho - Ngaba ngabaqeshwa bakho abangasasebenzi kuwe bekude bafumane umsebenzi.
I-inshurensi yobomi - Ngokuxhomekeka kwimali yakho yokubolekwa kwemali kunye nokuxhaswa kwemali ungadinga ukuba uphathe umgaqo-nkqubo womshuwalense wobomi ukuze unelise umboleki wakho. Kwakhona ingcinga efanelekileyo yokufumana i-inshorensi yobomi, xa kwenzeka into eyenzekayo kuwe nakwintsapho yakho ayishiywe kunye nevenkile ayifuni ukuba iqhube kunye neebill ayikwazi ukuyihlawula.
Umshuwalense womlilo - Le nto iyinto ecacileyo, kodwa nantsi inqaku elincedo malunga nendlela inshuwalense yomlilo isebenza ngayo shishini lakho elincinci .
Ezinye i-Inshorensi yeevenkile
Kukho i-inshurensi malunga nantoni na into, isenzo okanye umntu ngaphandle. Nazi ezinye iintlobo ze-inshurensi ongayithengela ivenkile yakho. Kodwa gcinani engqondweni, ezi zongeziweyo ziya kukuhlawulela okanye zininzi kunokuba ziphi na izinto zokuqinisekisa.
Ukulahlekelwa kweNkampani yomshuwalense - Ukuba ulahlekelwa ukuthengisa ngebanga elithile, lolu hlobo lomgaqo-nkqubo lunokubuyisela enye yengeniso. Gcina ukhumbule iiprayimenti kunye ne-deductible kunokukwenza ukuba uphule, kuxhomekeke kukulahlekelwa kangakanani.
I-Insurance Contamination Insurance - Ukuba ulahlekelwa amandla, ngenxa yeendlela zokuwela kwamandla okanye isivunguvungu, kunye neziqulatho zonke zokuhamba kwakho kunye nomonakalo wefriji, le nkqubo iya kuhlawula ukubuyisela ukutya.
Intsholongwane yeeNkcenkceshelo eziPhezulu- Eli libandakanya iintlekele ezininzi zemvelo ukuba i-inshorensi yemfanelo yobuninzi ayikho.
Iziganeko ezinjengezamazamazama, izikhukula okanye ukuphuma kwamandla ngenxa yolu, kungabhekiswa phantsi kwele nshurensi.
Sebenzisa i-inshorensi ethembekileyo xa uthenga i-inshorensi xa uvula ivenkile entsha . Bayazi imithetho yemimandla kunye neyobuzwe malunga ne-inshorensi oyifunayo kwaye unokukunceda ukuba unqume ukuba ungaphi na ukufunayo. Ukuthenga i-inshorensi yokutyela kungabonakala ngathi yimali eninzi ukuze ungabuyi kubuya, kodwa kukulungele ukulungiswa xa kufike kwi shishini lakho.