Marka la bilaabayo ama la samaynayo meherad yar, nooca iyo xadka caymiska ganacsi ee qofku sido aad bay muhiim u tahay. Noocyada caymiska ee laga yaabo inay lagama maarmaan noqoto waxoogaa way kala duwan yihiin, iyadoo ku xiran warshadaha iyo nooca ganacsiga gaarka ah. Waxaa jira dhawr nooc oo caymis ganacsi ah.

Caymiska mas’uuliyadda guud wuxuu ka caawiyaa ganacsiyada inay ka difaacaan sheegashooyinka dhaawaca jirka ama burbur hantiyeed. Tusaale ahaan, haddii macmiilku ku siibto dukaan, caymiskani wuxuu kaa caawin karaa bixinta daawaynta caafimaadkooda. Milkiileyaal badan oo ganacsato ah ayaa waliba hela caymis mas’uuliyad guud oo ay ku jirto caymiska mas’uuliyadda alaabta. Tani waxay ka caawineysaa inay ka ilaaliso sheegashooyinka dhaawaca jirka ama burburka hantida ee alaabadoodu keento.

Caymiska mas’uuliyadda xirfadeed wuxuu daboolayaa sheegashooyinka la xiriira khaladaadka adeegyada xirfadeed ee shirkaddu bixiso. Caymiskan waxaa sidoo kale loo yaqaanaa khaladaadka iyo caymisyada la iska dhaafay ama caymiska magdhawga xirfadeed. Markaa, tusaale ahaan, haddii shirkad xisaabaadku khalad ku samayso bayaanka maaliyadeed ee macmiilka, caymiska mas’uuliyadda xirfadeed ayaa kaa caawin kara daboolidda kharashaadka sharciga.

Caymiska dakhliga meheradda, oo sidoo kale loo yaqaan caymiska hakadka ganacsiga, ayaa kaa caawin kara soo kabashada dakhliga lumay haddii meherad ay tahay inay xirto sabab la xiriirta dhacdo la daboolay. Marka, tusaale ahaan, haddii dabku waxyeello u geysto makhaayad oo milkiiluhu u baahdo inuu si ku -meelgaar ah u xidho, caymiskani wuxuu kaa caawin karaa bixinta dakhliga lumay muddadaas. meherad waa inay xirtaa sabab la xiriirta dhacdo la daboolay. Marka, tusaale ahaan, haddii dab waxyeello u geysata maqaayadda oo milkiiluhu u baahan yahay inuu si ku -meelgaar ah u xidho, caymiskani wuxuu kaa caawin karaa bixinta dakhliga kaa lumay muddadan. Tusaale ahaan, haddii duufaan waxyeelayso saqafka, caymiskani wuxuu kaa caawin karaa bixinta dayactirka.

Caymiska baabuurta ee ganacsigu wuxuu kaa caawinayaa daboolidda kharashaadka shilalka baabuurta ee ay shaqaaluhu leeyihiin inta ay baabuur -wadidda u socdaan. Tusaale ahaan, haddii shaqaaluhu uu ka leexdo waddada inta uu baabuurka u kaxeynayo si uu ugu shaqeeyo baabuur shirkad oo uu ku dhufto sanduuqa boostada, caymiskani wuxuu kaa caawin karaa bixinta magdhawga.

Caymiska mas’uuliyadda ku -dhaqanka shaqaalaynta, oo sidoo kale loo yaqaan caymiska mas’uuliyadda loo -shaqeeyayaasha, waa nooc caymis oo ka caawiya milkiilaha shirkadda sheegashada takoorka, joojinta khaldan, iyo in ka badan. Sidaas darteed, haddii shaqaaluhu uu fayl gareeyo dacwad ka dhan ah meherad si loo dhibaateeyo, caymiskani wuxuu kaa caawin karaa bixinta kharashaadka sharciga. Siyaasadda Mulkiilaha Ganacsiga waa mid ka mid ah baakadaha ugu caansan. Waxay isku daraysaa mas’uuliyadda guud, caymiska hantida, iyo daboolida dakhliga ganacsiga.

 

 

Helitaanka caymis ganacsi oo sax ah wuxuu la mid yahay helidda caymiska saxda ah ee guri. Labadaba waxaa si weyn loogu tixgeliyaa inay ka mid yihiin maalgashiyada ugu muhiimsan ee qof kasta samayn karo.


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.