{"id":3128,"date":"2019-12-23T09:00:17","date_gmt":"2019-12-23T09:00:17","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=1832"},"modified":"2023-01-05T12:26:58","modified_gmt":"2023-01-05T12:26:58","slug":"what-does-it-cost-to-get-insurance-for-a-home-business","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/what-does-it-cost-to-get-insurance-for-a-home-business\/","title":{"rendered":"\u00bfCu\u00e1nto costar\u00e1 el seguro para mi negocio en el hogar?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Es posible que el seguro para propietarios de viviendas no cubra archivos comerciales esenciales, equipos o inventarios para propietarios de negocios en el hogar. Para proteger completamente su negocio, una p\u00f3liza de seguro comercial en el hogar es una opci\u00f3n inteligente para los propietarios de negocios que trabajan fuera de sus hogares. Basado en casa <\/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;\"> protege a los due\u00f1os de negocios de reclamos como responsabilidad de terceros, da\u00f1os a la propiedad y otros riesgos. El costo t\u00edpico de proteger un negocio en casa var\u00eda, dependiendo de varios factores. Algunos de los factores m\u00e1s importantes incluyen el tipo de cobertura que necesita, c\u00f3mo se compra su cobertura y el monto de su deducible. Tambi\u00e9n es esencial tener en cuenta cualquier cambio en su negocio que pueda afectar sus necesidades de seguro despu\u00e9s de haber comprado una p\u00f3liza. <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>Tipos de cobertura<\/b><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si bien los seguros de responsabilidad civil y de propiedad comercial son los tipos m\u00e1s comunes de seguro de oficina en el hogar, es posible que deba combinar varios tipos de cobertura de seguro, seg\u00fan el tipo de negocio en el hogar que est\u00e9 operando. Por ejemplo, si usa su veh\u00edculo para fines comerciales, debe tener su veh\u00edculo debidamente asegurado para uso comercial. Algunos otros aspectos de su negocio que determinar\u00e1n la cobertura que necesita incluyen:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Si tienes clientes visitando tu casa<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Si su negocio implica vender un producto<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Si su empresa brinda servicios<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Si proporciona asesoramiento profesional como parte de su negocio<\/span><\/li>\n<\/ul>\n<p><b>C\u00f3mo se compran las pol\u00edticas<\/b><\/p>\n<p><span style=\"font-weight: 400;\">No es raro que los due\u00f1os de negocios compren p\u00f3lizas separadas de diferentes proveedores de seguros. Por ejemplo, los due\u00f1os de negocios pueden comprar cobertura de responsabilidad general de un proveedor y cobertura de errores y omisiones de otro. Si su negocio requiere m\u00faltiples tipos de cobertura, agrupar toda su cobertura comercial bajo una sola p\u00f3liza con un proveedor puede reducir sus costos. <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>Deducibles<\/b><\/p>\n<p><span style=\"font-weight: 400;\">El monto que paga de su bolsillo por un reclamo cubierto se denomina deducible y afectar\u00e1 el costo de su seguro de negocio en casa. En general, los deducibles m\u00e1s altos resultan en costos de bolsillo m\u00e1s bajos, y los deducibles m\u00e1s bajos resultan en costos de bolsillo m\u00e1s altos. Antes de seleccionar un monto deducible, es fundamental considerar cu\u00e1nto dinero tendr\u00e1 disponible para pagar de su bolsillo si necesita presentar un reclamo. <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>Cambios a su negocio<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Es importante revisar su p\u00f3liza anualmente para hacer los ajustes de cobertura necesarios que cualquier cambio en su negocio pueda requerir. Por ejemplo, los cambios en la cantidad de productos que ofrece o la cantidad de empleados que tiene pueden requerir que compre una cobertura adicional o permitirle reducir parte de su cobertura.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Owners of home-based businesses need to make sure they protect themselves by purchasing the right insurance coverage. For affordable, reliable commercial insurance as well as homeowners, renters, motorcycle, and <\/span><a href=\"https:\/\/altrainsurance.com\/auto-insurance-chula-vista\/\"><span style=\"font-weight: 400;\">seguro de auto chula vista<\/span><\/a>, call on the trustworthy professionals at Altra Insurance<span style=\"font-weight: 400;\"> Servicios. Comun\u00edquese con nosotros hoy al 619-474-6666 para saber c\u00f3mo podemos satisfacer todas sus necesidades de seguro.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Es posible que el seguro para propietarios de viviendas no cubra archivos comerciales esenciales, equipos o inventarios para propietarios de negocios en el hogar. Para proteger completamente su negocio, una p\u00f3liza de seguro comercial en el hogar es una opci\u00f3n inteligente para los propietarios de negocios que trabajan fuera de sus hogares. El seguro comercial a domicilio protege a los due\u00f1os de negocios de reclamos como responsabilidad civil, da\u00f1os a la propiedad y otros riesgos. Los \u2026 <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/what-does-it-cost-to-get-insurance-for-a-home-business\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;How Much Will Insurance for My Home-Based Business Cost?&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":3255,"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-3128","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>How Much Does Home Business Insurance Cost?<\/title>\n<meta name=\"description\" content=\"If you operate a home business, you should understand the different types of insurance you\u2019ll need. 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