{"id":1890,"date":"2020-01-25T09:00:45","date_gmt":"2020-01-25T09:00:45","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=1890"},"modified":"2023-01-05T12:15:54","modified_gmt":"2023-01-05T12:15:54","slug":"how-much-liability-coverage-does-the-average-small-business-need","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/how-much-liability-coverage-does-the-average-small-business-need\/","title":{"rendered":"\u00bfQu\u00e9 cantidad de seguro de responsabilidad necesito para mi peque\u00f1a empresa?"},"content":{"rendered":"

Los propietarios de peque\u00f1as empresas a menudo se sienten abrumados por las responsabilidades legales y financieras de administrar un negocio. Los costos de propiedad, las licencias y los impuestos pueden acumularse r\u00e1pidamente, dejando a los due\u00f1os de negocios con una peque\u00f1a cantidad de ganancias. Debido a estos gastos, muchos propietarios de peque\u00f1as empresas optan por no tener cobertura de seguro de responsabilidad civil. Obtener cobertura de responsabilidad civil puede proteger a los propietarios de peque\u00f1as empresas si se toman medidas legales contra ellos. Si no est\u00e1n seguros de lo que necesitan en t\u00e9rminos de <\/span>seguro de negocios, San Diego<\/span><\/a> los due\u00f1os de negocios deben comunicarse con sus agentes de seguros para asegurarse de que tengan la cobertura necesaria para proteger sus intereses.<\/span><\/p>\n

\u00bfQu\u00e9 cubre el seguro de responsabilidad civil?<\/h2>\n

El seguro de responsabilidad civil generalmente se refiere a p\u00f3lizas de responsabilidad civil profesional o responsabilidad civil general. El seguro de responsabilidad profesional ayuda a los due\u00f1os de negocios a recuperar los costos incurridos si se cometen errores u omisiones en los servicios o bienes que produce el negocio. Por ejemplo, una empresa de fabricaci\u00f3n de muebles puede haber retirado accidentalmente un pedido incorrectamente y haber entregado los tipos de sillas incorrectos al cliente. El seguro de responsabilidad profesional puede cubrir el costo de producir las sillas correctas.<\/span><\/p>\n

El seguro de responsabilidad civil general cubre reclamos por publicidad falsa, da\u00f1os a la propiedad y lesiones personales. Por ejemplo, un comprador puede resbalar en un piso trapeado recientemente donde no se colocan se\u00f1ales de precauci\u00f3n. El seguro de responsabilidad civil general cubre el costo del reclamo de resbal\u00f3n y ca\u00edda.<\/span><\/p>\n

Tipos de negocios que necesitan seguro de responsabilidad civil<\/h2>\n

Cualquier empresa que produce o vende bienes y servicios debe comprar un seguro de responsabilidad civil general y profesional. Esto es especialmente importante porque en los \u00faltimos a\u00f1os, los reclamos de responsabilidad han aumentado en los Estados Unidos. En 2016, se adjudicaron $429 mil millones en reclamos de responsabilidad en los Estados Unidos. Un gran reclamo hecho contra el propietario de una peque\u00f1a empresa puede ser suficiente para cerrar un negocio. <\/span><\/p>\n

Exenciones firmadas y la necesidad de un seguro de responsabilidad civil<\/h2>\n

Muchos propietarios de peque\u00f1as empresas creen err\u00f3neamente que si sus clientes firman exenciones, est\u00e1n legalmente protegidos y no necesitan un seguro de responsabilidad civil. Por ejemplo, un propietario de un parque de trampolines puede creer que las exenciones que los clientes firman significan que los clientes no pueden demandarlo en caso de que ocurra un accidente mientras los clientes saltan a los trampolines.<\/span><\/p>\n

Esta creencia es falsa. Si bien una exenci\u00f3n puede estar dise\u00f1ada para llevar la responsabilidad al cliente en lugar del propietario del negocio, a\u00fan se puede presentar un reclamo. Si se determina que hubo una negligencia grave, un juez puede otorgar da\u00f1os a la parte lesionada.<\/span><\/p>\n

Cu\u00e1nto seguro necesita una peque\u00f1a empresa<\/h2>\n

Si bien las peque\u00f1as empresas deben asegurarse de estar bien cubiertas, pagar demasiado por el seguro puede reducir r\u00e1pidamente las ganancias. Obtener la cantidad correcta de cobertura es esencial. Los m\u00ednimos legales var\u00edan de estado a estado. Un agente de seguros o comisionado estatal podr\u00e1 responder preguntas sobre el monto legal del seguro de responsabilidad civil requerido seg\u00fan su tipo de negocio. <\/span><\/p>\n

Luego, eval\u00fae el valor de la propiedad y aseg\u00farese de que el monto del seguro cubra todos los costos de la propiedad, veh\u00edculos y herramientas. Una empresa incorporada solo puede ser demandada por los costos de la propiedad, mientras que un propietario \u00fanico puede ser demandado por sus bienes personales. Finalmente, mira a los empleados. Los empleados profesionales altamente calificados suelen cometer menos errores que los empleados de nivel de entrada. Tener en cuenta estos tres factores puede ayudar al propietario de una peque\u00f1a empresa a comprar la cantidad correcta de cobertura de seguro de responsabilidad civil.<\/span><\/p>\n

Si es propietario de una peque\u00f1a empresa, aseg\u00farese de proteger su empresa comprando la cobertura de seguro adecuada. Para un seguro comercial asequible y confiable, as\u00ed como para propietarios de viviendas, inquilinos, motocicletas y\u00a0<\/span>auto insurance chula Vista<\/span><\/a>. Local residents call on the trustworthy professionals at Altra Insurance Services. Reach out to us today at 619-474-6666 to learn how we can satisfy all your insurance needs.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Los propietarios de peque\u00f1as empresas a menudo se sienten abrumados por las responsabilidades legales y financieras de administrar un negocio. Los costos de propiedad, las licencias y los impuestos pueden acumularse r\u00e1pidamente, dejando a los due\u00f1os de negocios con una peque\u00f1a cantidad de ganancias. Debido a estos gastos, muchos propietarios de peque\u00f1as empresas optan por no tener cobertura de seguro de responsabilidad civil. Obtener cobertura de responsabilidad civil puede proteger a las peque\u00f1as empresas ... <\/p>\n

Continue reading “What Amount of Liability Insurance Do I Need for My Small Business?”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":3258,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-1890","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-commercial-insurance"],"yoast_head":"\nHow Much Liability Insurance Does a Small Business Need?<\/title>\n<meta name=\"description\" content=\"Small business owners need to know which types of insurance they need, including liability coverage. 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