{"id":3130,"date":"2020-01-13T09:00:18","date_gmt":"2020-01-13T09:00:18","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=1877"},"modified":"2023-01-05T12:22:41","modified_gmt":"2023-01-05T12:22:41","slug":"what-can-happen-if-i-dont-buy-insurance-for-my-business","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/what-can-happen-if-i-dont-buy-insurance-for-my-business\/","title":{"rendered":"5 riesgos potenciales de administrar su negocio sin seguro"},"content":{"rendered":"

Los muchos gastos de administrar un negocio pueden tentar a algunos propietarios de negocios nuevos a ignorar la necesidad de <\/span>seguro de negocio<\/span><\/a>. Si bien es probable que nunca necesite presentar un reclamo ante una aseguradora, no ser capaz de hacerlo en un momento de crisis puede resultar imposible para su empresa recuperarse. Si es propietario de un negocio nuevo o experimentado que est\u00e1 considerando operar su negocio sin seguro, primero debe tomarse un momento para considerar los siguientes riesgos.\u00a0<\/span><\/p>\n

1. Problemas legales<\/h2>\n

California tiene leyes espec\u00edficas que rigen los tipos y cantidades de seguros que los propietarios de negocios deben mantener. Por ejemplo, se requiere un seguro de responsabilidad civil general para cualquier negocio que emplee al menos a una persona. Tambi\u00e9n se puede requerir un seguro adicional para la protecci\u00f3n contra da\u00f1os a la propiedad y desastres naturales. Es una buena idea asegurarse de saber exactamente cu\u00e1les son las leyes en las que hace negocios para garantizar que su empresa cumpla.\u00a0<\/span><\/p>\n

2. Da\u00f1o a los empleados<\/h2>\n

Algunas de las pol\u00edticas que legalmente debe llevar a cabo garantizan que sus empleados sean atendidos si surge la necesidad. El seguro de compensaci\u00f3n para trabajadores garantiza que sus empleados recibir\u00e1n atenci\u00f3n m\u00e9dica y cualquier compensaci\u00f3n financiera necesaria si se lesionan mientras trabajan para usted. Tambi\u00e9n debe pagar el seguro de desempleo estatal y federal en caso de que un empleado no pueda continuar trabajando por causas ajenas a su voluntad.\u00a0<\/span><\/p>\n

3. Interrupci\u00f3n comercial<\/h2>\n

Un desastre como un incendio o una inundaci\u00f3n podr\u00eda asestar un golpe mortal a su negocio si no compra una p\u00f3liza de seguro que lo proteja contra este tipo de amenazas. Sin seguro, es posible que necesite recaudar una cantidad considerable de dinero en un momento en que no pueda generar ingresos a trav\u00e9s de su negocio. <\/span><\/p>\n

4. P\u00e9rdida de propiedad<\/h2>\n

La posesi\u00f3n m\u00e1s importante de su negocio es la propiedad en s\u00ed. Se necesita una buena p\u00f3liza de seguro de propiedad para proteger este activo. No escatime en este gasto. No desea que su nombre se agregue a la larga lista de antiguos propietarios de negocios que no pudieron reparar los da\u00f1os a sus edificios y equipos porque intentaron ahorrar unos pocos d\u00f3lares en el costo del seguro de propiedad.<\/span><\/p>\n

5. P\u00e9rdida financiera<\/h2>\n

El hecho de que pueda pagar de su bolsillo los da\u00f1os a su negocio no significa que sea una buena idea hacerlo. El da\u00f1o causado por una inundaci\u00f3n en el ba\u00f1o o un incendio en la cocina podr\u00eda costarle miles de d\u00f3lares en repararlo. Este es dinero que no estar\u00e1 disponible para las operaciones, el crecimiento y la expansi\u00f3n de su negocio.<\/span><\/p>\n

Ser propietario de un negocio implica asumir ciertos tipos de riesgo, pero operar sin un seguro comercial es un riesgo que no debe correr. Los motivos enumerados anteriormente son solo algunos de los factores que hacen que este tipo de cobertura sea una necesidad absoluta para muchas empresas. Para seguros comerciales y comerciales confiables y asequibles, as\u00ed como para propietarios de viviendas, inquilinos, motocicletas y\u00a0<\/span>seguro de auto chula vista<\/span><\/a>, comun\u00edquese con los profesionales experimentados de Altra Insurance Services. Ll\u00e1menos hoy al 619-474-6666 para averiguar c\u00f3mo podemos satisfacer todas sus necesidades de seguro.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Los muchos gastos de administrar un negocio pueden tentar a algunos propietarios de negocios nuevos a ignorar la necesidad de un seguro comercial. Si bien es probable que nunca necesite presentar un reclamo ante una aseguradora, no ser capaz de hacerlo en un momento de crisis puede resultar imposible para su empresa recuperarse. Si \u2026 <\/p>\n

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