On Senin, 01 Maret 2021
Having insurance is the same as saving you in the long run as well as arranging your finances more regularly over a long period of time. Not only that, different from regular savings, insurance also has a kind of protection for every activity and activity you do. Well, one type of insurance that you can consider trying is property insurance.
From a financial point of view, property insurance means insurance that is used to reduce financial risk in the event of damage to the insured property. Losses resulting from such damages will be borne together with a proportionate share.
Property referred to here is related to immovable objects of high value, such as houses, offices, warehouses, shop houses (ruko), and office houses (office houses). So, for those of you who have a business such as a boarding house or rented house or shop rental, insurance like this is highly recommended to try. The reason is that if one day unwanted damage occurs, the insurance provider will provide compensation for any damage to the property that you have insured.
We have discussed the general insurance benefits for its customers. For more details regarding the benefits of property insurance in general, it will be explained below.
General Property Insurance Benefits
There are many unforeseen events in this world that come at unexpected times in life. When the financial situation is again unstable and income decreases, suddenly the house is on fire or a flood occurs. As a result, your valuable home and property are damaged. You too suffer losses at the worst times of your life. This is where insurance plays an important role. If you have registered as an insurance customer for your valuable properties beforehand, then when there is damage due to unexpected events such as fire, lightning strike, natural disasters, theft, or other unwanted things, the insurance company will help You cover the cost of repairs due to the damage in question. Further information regarding the benefits of property insurance in general will be explained as follows.
1 . Comfort and Calm
Who would not want to live in peace, comfort and safety in this world? Everyone is willing to do anything so that their life can be happy until old age. So, having insurance for valuable properties such as houses, buildings and all the assets that you have accumulated over the years in them is one of the long-term preventive actions that you must take for the convenience of your life in the future. You do not want it if all the property that you have worked so hard to own will be lost in an instant due to unwanted events such as fire, natural disaster or even theft? Therefore, property insurance is there so you don't worry anymore about how to protect your valuable properties.
2. Avoid the Risk of Lawsuits
Almost all civilians don't want to deal with lawsuits, and so are you. Damage to property, for example due to natural disasters or accidental disasters that injure another person can lead to serious lawsuits.
3 . Your Valuable Property Is Protected
As great an astrologer as a fortune teller, he could never predict all future events so precisely without the slightest error. Likewise with you who are not fortune-tellers. You don't have the will and power over everything that happens in this world. Disasters can happen at any time and happen to anyone at times that are usually not expected, whether natural disasters or catastrophic damage brought on by the ignorant hands of humans. Therefore, protecting your property, home and valuable buildings through property insurance is an effort to protect what you have from unwanted events in the future.
Thanks for read our article about 3 benefits of property insurance.
Heartbreaking, maybe that is the feeling that can be described if the company that you owned for years must disappear in a short time just because of an accident.
- Fire, Lightning, Explosion, Falling Aircraft, and Smoke: Protection from various adverse events.
- Natural Disasters: Protection from losses caused by Earthquakes, Volcanic Eruptions (Eruptions), and Tsunamis (with separate policies as an expansion option BENEFITS)
- Hurricane, Storm, Flood, and Water Damage.
- Riots and Strikes, Damage due to evil deeds and getting hit by motorized vehicles and riots.
ARE THERE AN UNCURRED RISKS?
- WAR, raids, foreign enemy action, hostilities or activities resembling a war atmosphere, and so on
- Nuclear reaction, nuclear radiation, or radioactive contamination
- Deliberate or deliberate mistake made by asset owners or employees
- Delays, market losses due to other business interruptions
- Dishonesty, Deliberate Actions, etc.
- Damage, electrical or mechanical failure or connection leakage, failure in basting, collapse or overheating of the boiler, economizer
- Thirst, the nature of the thing itself, the damage from constant use
- Etc. (full explanation can be seen in the General Exceptions section listed on the Property All Risk / Industral All Risk Insurance Policy).
WHAT CAN BE INSURED?
All types of buildings with all kinds of uses (occupation) and / or contents (excluding land prices) with a period of one year.
WHO NEEDS THIS PRODUCT?
All individuals or business entities that have an interest in the object that is insured, such as: Owner of the object of insurance, lessee of the object of insurance, Bank / financial institution that provides credit, other parties who have an interest in the object insured.
How to Calculate Insurance Premiums
Sum Insured x Premium Rate
IMPORTANT THINGS WHEN EXPERIENCE DISASTER
Immediately contact the authorities to help overcome the disaster that occurred
As much as possible to save and safeguard the property which is insured and which is still valuable
Immediately contact the claims officer or our 24-hour hotline to provide an oral report and a written report no later than seven days after the accident.
SA - Definition: Insurance that protects the physical property and equipment of a business against loss from theft, fire or other perils; all-risk coverage covers against all risks; named-peril coverage covers only against specific perils named in the policy.
When it comes to insurance for your physical property, you want to make sure to get a policy written on an all-risk basis rather than on a named-peril basis. While the latter only covers the specific perils named in the policy, an all-risk policy will cover you for virtually anything (except for a few specific enumerated exclusions). The all-risk policy will allow you to:
Eliminate duplication and overlap;
Avoid gaps in trying to cover your liabilities through a number of specialized policies;
Encourage quicker settlements by working with one agent and one attorney;
Reduce the expense of having many different policies.
If your local or regional location is inclined toward a specific calamity, you may consider additional insurance or pay an additional premium to insure against fire, flood, earthquake, nuclear risks (if you're near a nuclear plant), hail, windstorm, vandalism, or crime.
An experienced agent or broker may roll many overages into a business owner's policy (BOP)--a ready-made program for small businesses--or a special multiple-peril plan.
Replacement cost insurance will replace your property at current prices, regardless of what you paid for it, and thus protect you against inflation. However, there's usually a provision that your total replacements can't exceed the policy cap. For example, if you have a 40,000-square-foot facility that would cost $40 per square foot to replace, the total replacement cost ($1.6 million) may exceed your $1 million policy limit. To protect yourself, buy replacement insurance with an insurance guard, which adjusts the cap on the policy to allow for inflation. If this isn't possible, simply review your policy limits from time to time to make sure you have adequate coverage.
With coinsurance, the owners of a building can actually share the potential loss with the insurance company if they're willing to share the premium cost. These terms are crucial if you are on either end of a leasing agreement. A common percentage of market value of buildings used in coinsurance is 80 percent, with the owner bearing the cost of the other 20 percent in the event of a complete loss.
On Selasa, 01 September 2020 Label: business
Culinary Business Tips
Then for those of you who are planning to get into the culinary business, here are some tips from Moka so you can set up a successful business.
1. Decide what culinary business you want to be in
The culinary business is a broad business. Because in Indonesia itself, various culinary businesses that sell various types of culinary from various regions, or even international cuisine, thrive. For that, you should first determine what culinary delights you will sell. Are you going to sell culinary abroad, or will you sell local culinary. Or are you going to be selling heavy meals, or just selling snacks.
2. Calculate the required capital
Like any other business, starting a culinary business also requires capital. How big the business you want to start will determine the amount of capital you have to prepare. If you want to get involved directly in the restaurant industry, of course, it requires different capital than if you decide to set up a simple food stall. If you are short on capital, then you can borrow from a cooperative, bank, or several loan service providers such as Moka Capital at any time.
However, you need to weigh the pros and cons of borrowing capital. If conditions are not possible, it's better to start a small-scale culinary business first. No need to be grandiose. For example, by selling snacks such as chips. But remember, when you are running a business, don't immediately spend the profits you get. Set aside this profit for capital expenditure needs.
3. Consider the location of your chosen culinary business
For the culinary business, location is one of the factors that will determine success. Because, if you choose a location that is too remote, fewer people will know about your business. Unless that is the concept of your business. But keep in mind that if you really want to set up a remote culinary business, then marketing activities must be carried out intensively. Do not confuse this with the legendary culinary business, which, despite being in a remote place, is still being hunted by consumers.
4. Taste the menu that you offer
Apart from technical matters, the taste of the menu you offer is very important. Because, in the end it is the taste that makes people come back again and again to your place. If you only serve food with an ordinary taste, the location is less strategic, then your culinary business will not last long. If you really want to set up a profitable culinary business, then pay close attention to the quality of taste. You can do a trial run with the people closest to you, to find out what menu suits Indonesian people's ideals.
5. Determine which supplier is suitable for your business
Of course you need a supply of basic raw materials so that they can be processed into finished products. For that, you need a supplier who is able to provide the raw materials that match what you want. For those of you who are beginners, maybe you can do it yourself by shopping at the market. But if your business is big, then you can buy directly from suppliers or manufacturers.
Like other star restaurants, you can immediately get the best ingredients on the market. In addition, by entering into agreements with suppliers, it is still possible for you to make payments at the end of time. Of course, if the second party agreed with it.
6. Recruit additional personnel
It depends on what culinary business you will be in. If you want to open a restaurant, then you definitely need employees. Good for helping to prepare food, for being a waiter, cashier, washing dishes, and so on. If you only want to set up a food stall, then the presence of additional personnel is not really necessary. It's just that, it will be lighter if you employ one or two people.
7. Determine the target market for the culinary business
The target market will greatly influence what culinary business you will launch. If you are targeting the upper middle class, of course the culinary served is more than just home cooking. This will also relate to the capital expenditure that you will spend later. If you only target the lower middle class, your capital expenditure will be even smaller. Therefore, it is important to make a small business plan. In it there will be market research that can help you run your business later.
8. Hold attractive promos
When you are running your culinary business, of course there will be a phase where it is crowded and quiet. It is during this quiet time that you should aggressively carry out promotions that can attract buyers' interest again. Promotions also vary, you can do discounts, buy one get one, package promos, and so on. It's just that, carefully calculate it first. So that you don't lose in the future.
9. Activate your social media
In this digital era, social media has become a necessity when starting a business. What's more, the culinary business. Because, only with social media can you attract more potential consumers, without the need to spend millions of rupiah on advertising. You can use Instagram, Facebook, or Twitter. The three of them are still the most widely used social media by Indonesians.
10. Make sure your culinary business already has the necessary permits
Indonesia is a country of law. This means that everything that is done by its citizens must be based on legal regulations. Included in starting a business. In starting a business, there are permits required. The goal is for the government to ensure that your business is legal, does not operate in an illegal sector, and can be accounted for.
Make sure to go to the licensing office in each of your areas to take care of licensing your culinary business. If your business is big, then don't forget to take care of your NPWP and halal certification if Indonesian people, who are predominantly Muslim, are your main target market. So that no problems occur in the future.
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Before starting a business, there is one question you should ask yourself. Do you just want to build a business that takes advantage of trends, or want to build a business that can withstand all trends. If you want to build a business that can last a long time, maybe a culinary business can be your choice.
Why Culinary Business?
The food business is one of the businesses that can survive the onslaught of foreign trends. Of course, the quality of the food and drink you serve. However, beyond these qualities, the culinary business will remain a lucrative business. For those of you who are still questioning the benefits of business, here are some reasons why this business is quite promising.
1. Everyone needs to eat
Food is included in basic human needs besides housing and clothing. But now food itself has developed into something more than just a necessity. Food has developed into a culture in society. So that many people live to eat, not eat to live. Naturally, because in this world there is a culinary culture that is very interesting to explore. So, if your culinary business has the wrong characteristics, it is certain that many people will become your loyal customers.
2. Can be developed into a franchise
The culinary business is a business that is very often turned into a franchise. Just look at the various fast food outlets that only come from one city, can grow to be famous throughout the world. Also take a look at the various simple foods that started from roadside carts, now have thousands of the same carts throughout Indonesia. By opening a franchise, you will have a bigger stage.
3. Easy to adapt
Food trends will continue to evolve. Your job as a culinary business owner is to be able to adapt. Fortunately, culinary is very easy to use. Thus making the culinary business one of the most flexible businesses to keep up with the times.
Unlike other businesses, the culinary business still tends to be simple. You only need to cook and sell. If you can't cook, you can buy recipes from experienced people, then people who can cook. So, you only focus on the big picture, that is, help your business marketing and finances last for a long time.
The four reasons above are only a small part of the reasons why the food business is enough for you. These reasons are able to describe the current business position among other business businesses.
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Before you open a beauty business, you should first consider some of the following 5 Tips for Starting a Salon Business for Beginners.
To look beautiful and charming is the desire of every woman. Since ancient times, there have been many ways to achieve a perfect appearance. Cosmetics and beautiful dresses are closely related to beauty. Do not forget, body and facial care should not be absent from women's routines. This is what triggers the emergence of beauty salons.
Lots of services are offered, for example, haircuts, hair treatments, facials, spa, facials, and also make-up. The services provided by beauty salons continue to grow until now and beauty salons can be said to be a pretty good business opportunity. Do you have a plan to start a business in the beauty sector? Before you jump into this beauty business, you should understand the tips for starting a salon business, because every business that is going to be run requires careful preparation.
There are 5 main things that you should pay attention to in building a salon business and the following are tips for starting a salon business to grow.
1 Business Plan
The first and most important thing for you to do is create a business plan. With a business plan, all steps in the business can run regularly.
What things should be your focus in making a salon business plan? So that the business can run smoothly and successfully, pay attention to some of these things:
- The main concept of the salon
- Target market
- Business location
- Equipment required
- Consumables supplier
- Employees or employees
- Promotion way
- This planning should not only be considered, but also recorded or made a mind mapping or proposal.
That way, it will be easier for you to read it again. Proposals also make it easier for you to find investors or potential suppliers.
3. Determine Costs
“The beauty of a woman is not in her face but the real beauty of a woman is reflected in her soul. Concern to give enthusiasm that he always shows. Women's beauty grows from year to year. " - Audrey Hepburn
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