3. Kungani Umshwalense Webhizinisi Ukhona

Reviewing business risks and insurance options

Umshwalense webhizinisi ukhona ngoba okunye ukulahlekelwa kukhulu kakhulu ukuba ibhizinisi elincane likuthwale lodwa.

Umshwalense awuvimbi izinto ezimbi ukuba zenzeke. Ungasiza ibhizinisi ukuthi libuyele esimweni uma kwenzeka ukulahlekelwa okuvikelwe ngumshwalense, ngokwemigomo, imikhawulo nemibandela yepholisi kanye nomphumela wesimangalo.

Lo mehluko ubalulekile. Umshwalense uyithuluzi lezezimali lokubhekana nobungozi obuthile, awusona isithembiso sokuthi zonke izinkinga zizokhokhelwa noma ukuthi ibhizinisi alisoze labhekana nokuphazamiseka.

Kungani ikhono lokubuyela esimweni libalulekile

Ibhizinisi elikhulu lingase libe nemali ebekelwe izimo eziphuthumayo, imishini eyisipele kanye namaqembu abasebenzi angakwazi ukubhekana nokulahlekelwa okukhulu. Ibhizinisi elincane livame ukuba nemali encane esalayo kanye nezindlela ezimbalwa ezingasetshenziswa uma kuvela inkinga.

Uma amathuluzi abalulekile, isitoko, izimoto noma imishini kwebiwa noma konakala, ibhizinisi lingayeka ukungenisa imali ngokushesha. Umnikazi angase adinge ukukhokhela ukushintshwa kwempahla, ukuqasha imishini yesikhashana, ukubuyisela amakhasimende imali noma ukukhokhela amaholo ngesikhathi umsebenzi umile, ngokuvamile ngaphambi kokuba kungene enye imali.

Umshwalense ungaba yingxenye yohlelo lokubuyela esimweni uma ipholisi ihambisana nobungozi futhi isehlakalo sivikelekile. Awuthathi indawo yokonga imali, ukugcina amarekhodi ngendlela efanele, ukusebenza ngokuphepha noma ukwenza izinqumo ngokucophelela.

Umshwalense webhizinisi
Umshwalense webhizinisi uyisivumelwano lapho ibhizinisi likhokha khona iphrimiyamu, bese inkampani yomshwalense inganikeza isinxephezelo sezimali ngokulahlekelwa okuthile okuvikelwe ngumshwalense, ngokwemigomo, imikhawulo, okungafakiwe kanye nezinqubo zezimangalo zepholisi.

Lokho umshwalense ongase ukwenze nalokho ongase ungakwenzi

Umshwalense ungenye yezindlela zokudlulisela ubungozi obuthile bezezimali enkampanini yomshwalense. Ibhizinisi likhokha iphrimiyamu. Uma kwenzeka isehlakalo esivikelwe ngumshwalense futhi isimangalo samukelwa, inkampani yomshwalense inganxephezela ibhizinisi ngokuvumelana nokuvikelwa, imikhawulo, imibandela kanye nesinqumo sesimangalo.

Lokhu kungasiza ekulungiseni noma ekushintsheni izimpahla, ekubhekaneni nezimangalo ezithile zesibopho sezomthetho, ekunciphiseni umthelela wezezimali wezehlakalo ezithile nasekunikezeni ibhizinisi isikhathi sokuba liqhubeke nokuhweba ngemva kokulahlekelwa. Okufakiwe kuncike epholisini uqobo, hhayi ekucabangeni okuvamile ngokuthi umshwalense uvamise ukuvikela ini.

Umshwalense awuvikeli yonke into. Awuthathi indawo yokuphatha kahle ibhizinisi, ukugcina impahla ngokuphepha, ukuqinisekisa izinkokhelo ngaphambi kokuzikhulula, ukunakekela imishini noma ukugcina amarekhodi anembile. Ipholisi ingaba nezinto ezingafakiwe, imikhawulo, imali ekhokhwa kuqala, imibandela, amadokhumenti adingekayo kanye nezinqubo zezimangalo umnikazi okufanele aziqonde ngaphambi kokuthembela ekuvikelweni.

Umshwalense ungasiza kulokhuUmshwalense awuthathi indawo yalokhu
Ukulahlekelwa okuthile kwezezimali okuvikelweUkulawula ubungozi kwansuku zonke
Ezinye izindleko zokulungisa noma zokushintsha izimpahlaZonke izehlakalo noma izindleko ezingase zenzeke
Ingxenye yohlelo lokubuyela esimweniUkonga imali, amarekhodi nemikhuba yokuphepha
Ubungozi obukhulu kakhulu ukuba ibhizinisi libuthwale lodwaUkuhlola ukuthi ipholisi ifakani ngempela
Isibonelo sesimo

Nini umshwalense ungafanele ukuphenywa

Cabanga uqhuba ibhizinisi lokulungisa nokunakekela izingadi futhi uncike ku-trailer egcwele amathuluzi. I-trailer yebiwa endaweni yomsebenzi ebusuku.

Ukushintsha amathuluzi kungase kubize imali engaphezu kwaleyo ibhizinisi elingakwazi ukuyikhokha ngemali engenayo yale nyanga. Umsebenzi uyama kuze kube yilapho amathuluzi eshintshwa noma ebolekwa. Amakhasimende anemisebenzi ebihleliwe angase kudingeke alinde.

Umphumela: Uma kukhona ukuvikelwa okufanele futhi ukulahlekelwa kuvikelekile ngaphansi kwepholisi, umshwalense ungasiza ukukhokhela ukushintshwa kwempahla. Uma kungekho ukuvikelwa, noma isehlakalo singafakiwe, ibhizinisi kufanele libuyele esimweni lisebenzisa imali eliyongile, ngokuboleka noma ngokubambezeleka komsebenzi.

Yingakho izingxoxo ngomshwalense kufanele ziqale ngobungozi ibhizinisi elibhekene nabo, hhayi ngegama lomkhiqizo womshwalense.

Sinini isikhathi sokucabanga ngomshwalense

Kungase kudingeke uhlole umshwalense lapho izimpahla ezibalulekile, izimoto, umsebenzi owenziwa namakhasimende noma umsebenzi owenziwa endaweni yekhasimende kungadala ukulahlekelwa ibhizinisi elingeke likwazi ukukuthwala lodwa. Inkontileka yekhasimende nayo ingase idinge ukuvikelwa okuthile ngaphambi kokuba umsebenzi uqale.

Ngaphambi kokucabanga ngemikhiqizo yomshwalense, bhala ubungozi ibhizinisi elibhekene nabo. Chaza ukuthi yini engase ihambe kabi, ukuthi kungabiza malini, ukuthi ibhizinisi lingakwazi yini ukukhokhela lokho ngemali eliyongile, ukuthi ukubuyela esimweni kungathatha isikhathi esingakanani, ukuthi yini engavimba imali engenayo nokuthi yikuphi ukuvikelwa osuvele unakho ngokugcina impahla ngokuphepha, ukunakekela imishini, izinkontileka noma imali ebekelwe izimo eziphuthumayo.

Umshwalense kufanele uhambisane nobungozi bebhizinisi, hhayi ukuthi ubungozi bebhizinisi buvumelaniswe nomshwalense.

[!quiz] type:true-false

Umshwalense webhizinisi uqinisekisa ukuthi konke ukulahlekelwa kwebhizinisi kuzokhokhelwa ngokuphelele.

☐ Iqiniso

☑ Amanga

Incazelo: Umshwalense ungasiza ngokulahlekelwa okuthile okuvikelwe ngaphansi kwemigomo ethile yepholisi. Okungafakiwe, imikhawulo, imali ekhokhwa kuqala kanye nezinqumo zezimangalo kusho ukuthi akukhona konke ukulahlekelwa okuvikelekile.

[!QUIZ] type:true-false
Yini okufanele ize kuqala lapho ucabanga ngomshwalense webhizinisi?

  • Ukukhetha umkhiqizo onephrimiyamu ephansi kakhulu
  • Ukubhala uhlu lokulahlekelwa ibhizinisi elingeke likwazi ukukuthwala lodwa
  • Ukucabanga ukuthi bonke ubungozi obuncane budinga ipholisi ehlukile
    Incazelo: Umshwalense kufanele uhambisane nobungozi obukhulu bebhizinisi. Qala ngokubheka ukuthi yini engavimba ibhizinisi, bese ubuza ukuthi ukuvikelwa okufanele kungafakan i.

Lungiselela ingxoxo ewusizo mayelana nokuvikelwa

Ingxoxo ewusizo nenkampani yomshwalense noma nomeluleki iqala ngokuqonda kahle ibhizinisi, ukuthi linaziphi izimpahla, lincike kuphi, umsebenzi wenziwa kuphi nokuthi yikuphi ukulahlekelwa okungaba nzima kakhulu ukuba ibhizinisi likuthwale lodwa.

Hamba nohlu lwezimpahla, ubufakazi bobunikazi lapho butholakala khona, isilinganiso sezindleko zokushintsha izimpahla kanye nohlu olufushane lobungozi obungavimba imali engenayo. Buza ukuthi ipholisi ivikela ini, yini engafakiwe, iyiphi imali ekhokhwa kuqala, yimaphi amarekhodi adingekayo nokuthi izimangalo zisingathwa kanjani.

[!QUIZ] type:single

  1. Bhala ubungozi obukhulu ibhizinisi lakho elibhekene nabo kanye nezindleko ezingase zibe khona
  2. Bhala ukuthi yikuphi ukulahlekelwa ibhizinisi elingeke likwazi ukukukhokhela ngemali eliyongile kuphela
  3. Qoqa imininingwane yezimpahla, ubufakazi bokuthenga kanye nezilinganiso zezindleko zokuzishintsha
  4. Buza ukuthi ipholisi ifakani, yini engafakiwe nokuthi yini edingekayo ukuze ukuvikelwa kusebenze
  5. Hlola ukuthi ukuvikelwa kuyahambisana yini nobungozi, ungabheki iphrimiyamu kuphela
    Incazelo: Umshwalense kufanele uhambisane nobungozi obukhulu bebhizinisi. Qala ngokubheka ukuthi yini engavimba ibhizinisi, bese ubuza ukuthi ukuvikelwa okufanele kungafakan i.

[!QUIZ] type:single
Ingabe wonke amabhizinisi amancane adinga umshwalense ofanayo?
Cha. Izidingo zincike emsebenzini ibhizinisi eliwenzayo, ezimpahleni zalo, endaweni elisebenzela kuyo, ezinkontilekeni kanye nobungozi elibhekene nabo.
Ingabe umshwalense ungathatha indawo yemali ebekelwe izimo eziphuthumayo?
Cha. Imali eyongiwe nomshwalense kungase kusebenze ndawonye. Imali ebekelwe izimo eziphuthumayo ingasiza ezinkingeni ezincane; umshwalense ungasiza ekulahlekelweni okukhulu okuvikelwe uma ukuvikelwa kusebenza.
Incazelo: Umshwalense kufanele uhambisane nobungozi obukhulu bebhizinisi. Qala ngokubheka ukuthi yini engavimba ibhizinisi, bese ubuza ukuthi ukuvikelwa okufanele kungafakan i.

Iphutha elivamile

Ukucabanga ukuthi umshwalense uvikela konke ukulahlekelwa, noma ukuthi bonke ubungozi obuncane budinga ipholisi.

Ngaphandle kokuhlola ipholisi uqobo, abanikazi bangase bathole sekwephuze kakhulu ukuthi isehlakalo asifakiwe, umkhawulo wokuvikelwa uphansi kakhulu noma amarekhodi adingekayo abengekho.

Isinyathelo sakho esilandelayo

Bhala uhlu lokulahlekelwa ibhizinisi elingeke likwazi ukukuthwala lodwa. Kokukodwa kwalokho, bhala lokho okudingeka ukubuze mayelana nokuvikelwa okufanele, okuhlanganisa okungafakiwe, imikhawulo kanye namarekhodi adingekayo.

[!QUIZ] type:single
Incazelo: Umshwalense kufanele uhambisane nobungozi obukhulu bebhizinisi. Qala ngokubheka ukuthi yini engavimba ibhizinisi, bese ubuza ukuthi ukuvikelwa okufanele kungafakan i.

Qhubeka nokufunda

Isihloko esilandelayo sikusiza ukuhlukanisa ubungozi ibhizinisi elingakwazi ukubulawula ngezindlela zokuphepha nangemali eliyongile, kubungozi obungase budinge ukuvikelwa okuqinile.

Okulandekayo

Umhlahlandlela wengxoxo yokulungela umshwalense