September 2022
PSG Insure
Klein ondernemings in Suid-Afrika het met verskeie unieke uitdagings te kampe, asook spesifieke tipes risiko en risikovlakke. ʼn Strategiese benadering tot langtermyngroei en ʼn sterk strategie om risiko te verlaag kan help om jou onderneming teen onvoorsiene gebeurlikhede te beskerm, sodat jou besigheid een van die miljoene kan word wat die Suid-Afrikaanse ekonomie aan die gang hou.
“ Versekering beskerm jou besigheid ”
Klein ondernemings in Suid-Afrika het met verskeie unieke uitdagings te kampe, asook spesifieke tipes risiko en risikovlakke. ʼn Strategiese benadering tot langtermyngroei en ʼn sterk strategie om risiko te verlaag kan help om jou onderneming teen onvoorsiene gebeurlikhede te beskerm, sodat jou besigheid een van die miljoene kan word wat die Suid-Afrikaanse ekonomie aan die gang hou.
Hierdie drie brokkies advies oor wat jy moet oorweeg wanneer jy kommersiële eiendomsversekering koop, sal jou help om jou besigheid veilig op dreef te kry.
Eerstens moet jy die verskil tussen die markwaarde en die vervangingswaarde van jou eiendom verstaan, en ook seker maak dat jy nie die munisipale waarde gebruik nie. Nog iets om in gedagte te hou, is dat markwaarde ook die waarde van die grond insluit, wat buite rekening gelaat moet word as die versekerbare waarde bepaal word.
Oor die algemeen is markwaarde die bedrag wat die eiendom werd is met betrekking tot omliggende eiendomme waarvan die grootte en ligging baie dieselfde is. Die koopprys kan óf hoër óf laer as die markwaarde wees. Vervangingswaarde neem egter die bedrag in ag wat dit sou kos om die eiendom van die grond af op te bou. Die vervanging van die struktuur se los en vaste toebehore word in berekening gebring, asook addisionele koste soos die koste van sloping en puinverwydering. Versekering van eiendom vir die koopprys alleen sal nie die totale slopingskoste in die geval van rampe soos ʼn brand of oorstroming dek nie.
Vra vrae en bemagtig jouself met kundige menings en advies wat jou sal help om ingeligte, strategiese besluite oor die toekoms van jou besigheid te neem.
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