{"id":1433,"date":"2019-09-20T09:00:31","date_gmt":"2019-09-20T09:00:31","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=1433"},"modified":"2022-08-31T11:16:15","modified_gmt":"2022-08-31T11:16:15","slug":"who-needs-errors-and-omissions-coverage","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/who-needs-errors-and-omissions-coverage\/","title":{"rendered":"\u00bfLos negocios caseros necesitan seguro contra errores y omisiones?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Un negocio en casa ofrece ahorros en el alquiler y otros gastos que vienen con tener una oficina o instalaci\u00f3n separada. Sin embargo, no protege a los due\u00f1os de negocios de los riesgos de responsabilidad y p\u00e9rdida por desempe\u00f1o negligente de los servicios comerciales. Para la cobertura de estas p\u00e9rdidas potenciales, los due\u00f1os de negocios pueden recurrir al seguro de errores y omisiones.<\/span><\/p>\n<h2>\u00bfQu\u00e9 son los errores y las omisiones?<\/h2>\n<p><span style=\"font-weight: 400;\">Los errores y omisiones se refieren al desempe\u00f1o defectuoso de los servicios profesionales, a menudo conocidos como negligencia profesional. Los clientes, clientes y otras personas con p\u00e9rdidas financieras presentan demandas de este tipo contra profesionales como abogados, arquitectos, contadores, ingenieros, asesores financieros, corredores de seguros, agentes inmobiliarios y consultores de tecnolog\u00eda de la informaci\u00f3n.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lo que constituye mala pr\u00e1ctica depende de la profesi\u00f3n particular. Para los abogados, el t\u00e9rmino puede significar perder una fecha l\u00edmite para presentar una demanda. Los contadores enfrentan reclamos por negligencia por presentar declaraciones de impuestos por negligencia o por informar incorrectamente el valor de los activos en los estados financieros. Otros ejemplos de errores y omisiones incluyen un top\u00f3grafo que localiza incorrectamente los l\u00edmites de la propiedad, un agente de seguros que le informa incorrectamente a un cliente que un peligro est\u00e1 cubierto y un profesional de tecnolog\u00eda de la informaci\u00f3n que no instala el software antivirus, lo que hace que se roben la informaci\u00f3n del cliente.<\/span><\/p>\n<h2>\u00bfQu\u00e9 beneficios se brindan?<\/h2>\n<p><span style=\"font-weight: 400;\">El seguro de errores y omisiones tiene como objetivo salvar a las empresas hogare\u00f1as del costo financiero de los reclamos y litigios por negligencia. Un beneficio reside en el pago de sentencias y acuerdos. Los clientes, los clientes y otros pueden demandar por decenas o cientos de miles de d\u00f3lares debido a p\u00e9rdidas derivadas de un asesoramiento err\u00f3neo o servicios err\u00f3neos. La mayor\u00eda de estas p\u00e9rdidas son financieras. Por ejemplo, una encuesta incorrecta puede requerir que el propietario o el constructor eliminen y reconstruyan una estructura, incluso un edificio terminado, que invade otra propiedad. Una demanda prohibida por un estatuto de limitaciones somete al abogado a la responsabilidad de lo que un demandante habr\u00eda recuperado si la demanda hubiera sido presentada a tiempo. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">El seguro de errores y omisiones paga los gastos de defender una demanda por negligencia. La compa\u00f1\u00eda de seguros contrata y le paga al abogado. Si bien el propietario del negocio en casa puede evitar los costos monta\u00f1osos de los litigios, el asegurador generalmente ejerce m\u00e1s control sobre el resultado de la demanda.<\/span><\/p>\n<h2>\u00bfQu\u00e9 no est\u00e1 cubierto por errores y omisiones?<\/h2>\n<p><span style=\"font-weight: 400;\">La negligencia profesional es el foco del seguro de errores y omisiones. Como resultado, este tipo de <\/span><a href=\"https:\/\/altrainsurance.com\/business-insurance-san-diego\/\"><span style=\"font-weight: 400;\">seguro de negocio<\/span><\/a><span style=\"font-weight: 400;\"> no cubre reclamos por lesiones personales o da\u00f1os a la propiedad que surjan del negocio familiar. Estos riesgos excluidos incluyen condiciones defectuosas en el hogar, un empleado del negocio familiar que hiere a alguien mientras realiza un trabajo o alguna actividad que causa una explosi\u00f3n y da\u00f1a las propiedades vecinas. Adem\u00e1s, los errores y omisiones no cubre da\u00f1os intencionales como el fraude, lo que significa que las reclamaciones derivadas de tergiversaciones enga\u00f1osas o intencionales no est\u00e1n cubiertas, pero las tergiversaciones negligentes s\u00ed.\u00a0<\/span><\/p>\n<h2>\u00bfPor qu\u00e9 no el seguro de propietarios de viviendas?<\/h2>\n<p><span style=\"font-weight: 400;\">Las pol\u00edticas est\u00e1ndar para propietarios de viviendas no cubren los da\u00f1os resultantes del uso comercial de la vivienda, incluida la p\u00e9rdida de la vivienda o lesiones a clientes o clientes resultantes de actividades en el hogar. Si bien una pol\u00edtica separada para el uso de negocios en el hogar puede abarcar reclamos por lesiones personales o da\u00f1os a la propiedad, no resuelve el problema de negligencia derivada de un negocio en el hogar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En la actualidad, hay m\u00e1s personas que operan negocios desde casa, por lo que es una buena idea trabajar con expertos para garantizar que su negocio est\u00e9 cubierto contra todo tipo de p\u00e9rdidas. Mire a los profesionales de Altra Insurance Services para obtener consejos s\u00f3lidos basados en a\u00f1os de experiencia en la industria de seguros. Adem\u00e1s del seguro comercial, ofrecemos propietarios confiables, inquilinos y\u00a0<\/span><a href=\"https:\/\/altrainsurance.com\/auto-insurance-san-diego\/\"><span style=\"font-weight: 400;\">seguro de auto San Diego<\/span><\/a>, residents can call one of our expert agents today at <span style=\"font-weight: 400;\">619-474-6666 to discuss their insurance needs.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Un negocio en casa ofrece ahorros en el alquiler y otros gastos que vienen con tener una oficina o instalaci\u00f3n separada. Sin embargo, no protege a los due\u00f1os de negocios de los riesgos de responsabilidad y p\u00e9rdida por desempe\u00f1o negligente de los servicios comerciales. Para la cobertura de estas p\u00e9rdidas potenciales, los due\u00f1os de negocios pueden recurrir al seguro de errores y omisiones. Qu\u00e9 son \u2026 <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/who-needs-errors-and-omissions-coverage\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Do Home Businesses Need Errors &#038; Omissions Insurance?&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":3241,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[5,12],"tags":[],"class_list":["post-1433","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-insurance","category-commercial-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Who Needs Errors and Omissions Insurance?<\/title>\n<meta name=\"description\" content=\"If you operate a home business, you may need to explore the necessity for errors and omissions insurance. 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