Iyo utangije cyangwa se ukora ubucuruzi buto, ubwoko ndetse n’ubunini bw’ubwishingizi bw’ubucuruzi uba ufite biba ari ibintu by’ingenzi cyane. Ubwoko bw’ubwishingizi buba bukenewe bugenda buhindagurika gake gake, bitewe n’ubucuruzi ukora ubwo ari bwo. Hari amoko atandukanye y’ubwishingizi bw’ubucuruzi.

Ubwishingizi rusange (general liability) bufasha mu kurinda ubucuruzi kuba bwakubitwa hasi n’ugukomereka kw’abantu cyangwa se kwangirika kw’ibikoresho. Niba umuguzi anyereye aho ukorera, ubu bwishingizi buba bushobora gufasha mu kwishyura ikiguzi cyo kwa muganga. Benshi mu bacuruzi bato bato nabo bafata ubwishingizi rusange, bukubiyemo ibijyanye no kurinda ibicuruzwa byabo. Ibi bibafasha mu guhangana n’ibirego byo gukomerekaa cyangwa kwangirika kw’ibindi bintu bikozwe n’ibicuruzwa byavuye mu maduka yabo.

Ubwishingizi bw’umwuga bwishingira ibirego bituruka ku makosa yakorwa igihe uhabwa serivisi. Ubu bwishingizi buzwi kandi nk’ubwishingizi bw’amakosa cyangwa se ubushinzwe gutanga indishyi z’akababaro. Nk’urugero, ubucuruzi bwawe bukoze amakosa mu rutonde rw’ibyo umuguzi runaka yaguze, ubu bwishingizi ni bwo bwafasha mu kwishyura ikiguzi cy’urubanza n’ibyategekwa n’urukiko.

Ubwishingizi ku nyungu zo mu bucuruzi, buzwi kandi nk’ubwishingizi bufasha mu gihe ibintu bitagenda neza, bushobora kugufasha kugaruza ayawe, igihe byaba ngombwa ko ubucuruzi bufunga imiryango bitewe n’amakosa cyangwa indi mpamvu. Nk’urugero, wenda umuriro utwitse resitora, bikaba ngombwa ko nyirayo afunga by’igihe runaka. Ubu bwishingizi bushobora kugufasha ugasubizwa igihombo wagira muri icyo gihe. 

Ubwishingizi ku nyubako zikorerwamo ubucuruzi, bufasha mu kwishyura ibyangiritse ku nyubako ikorerwamo ubucuruzi, harimo ibikoresho byo munzu, ibikoresho byifashishwa mu kazi n’ibindi. Urugero twafata ni nk’igihe haza umuyaga mwinshi ukangiza igisenge cy’inzu. Ubu bwishingizi bwafasha mu gusana ibyangiritse.

Ubwishingizi ku mushahara w’abakozi bufasha mu kubonera abakozi inyongera ku mushahara nk’igihe bakomerekera mukazi cyangwa se bakarwara bari mukazi. Muri leta nyinshi zigize Amerika, ubu bwishingizi ni itegeko. Nk’urugero, wenda nk’umukozi akarwara indwara y’imitsi yo mu kiganza iterwa no kwandika imyaka myinshi kuri mudasobwa, ubu bwishingizi bwafasha mu kwishyura fagitire zo kwa muganga.
Ubwishingizi bw’imodoka z’akazi bufasha mu kwishyura ikiguzi cy’impanuka y’imodoka umukozi yari atwaye kandi ari mukazi. Urugero, umukozi akaba yagonga agasanduku k’amabaruwa mu nzira aza kukazi kandi ari mu modoka y’akazi. Ubu bwishingizi ni bwo bwakwishyura ibyateganywa n’amategeko.

Ubwishingizi ku kazi gakorwa, ni ubwishingizi bugerageza kurengera nyir’ubucuruzi runaka igihe yaregwa cyangwa se agakurikiranwa ku ikosa runaka, nko kwirukana umukozi mu buryo bunyuranyije n’amategeko n’ibindi. Ubu bwishingizi buseruka kandi nk’igihe umukozi yarega umukoresha ko yamukoreye ivangura cyangwa ihohoterwa.


Igitabo gikubiyemo gahunda y’ubucuruzi ni kimwe mu byangombwa nyamukuru by’ubucuruzi. Kiba gikubiyemo ibikorwa muri rusange, ubwishingizi bw’inyubako, ndetse n’ibijyanye n’ubwishingizi ku nyungu z’ubucuruzi.

Kubona ubwishingizi bukwiye ubucuruzi bwawe bihwanye no kubonera ubwishingizi bukwiye inzu yawe. Byombi ni ibintu by’ingenzi cyane biza mu byambere buri shoramari ryose rikwiye kuba rikora.


Jeffrey Lee has over a decade of experience in the insurance industry, and is currently the Sales Director of the Amy Alward Agency, the largest Allstate agency in Maine.