{"id":328,"date":"2018-10-15T09:00:32","date_gmt":"2018-10-15T09:00:32","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=328"},"modified":"2018-10-15T09:00:32","modified_gmt":"2018-10-15T09:00:32","slug":"what-does-commercial-insurance-not-cover","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/what-does-commercial-insurance-not-cover\/","title":{"rendered":"6 Categor\u00edas no cubiertas por el seguro comercial"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">El seguro comercial puede ser una gran inversi\u00f3n. Proporciona la tranquilidad que le permite a su negocio crecer y prosperar sin el peligro de contratiempos financieros importantes. Si bien es una buena elecci\u00f3n para cualquier compa\u00f1\u00eda considerar,\u00a0<a href=\"https:\/\/altrainsurance.com\/business-insurance-san-diego\/\">seguro comercial - San Diego<\/a> los due\u00f1os de negocios prefieren, <\/span><span style=\"font-weight: 400;\">\u00a0Como cualquier otra forma de seguro, viene con algunas limitaciones. Aseg\u00farese de mantenerse bien informado sobre lo que cubre su seguro, ya que la falta de conocimiento podr\u00eda afectar seriamente el bienestar financiero de su negocio. A continuaci\u00f3n hay seis cosas que el seguro comercial no cubre.<\/span><\/p>\n<h2>1. Delincuencia intencional<\/h2>\n<p><span style=\"font-weight: 400;\">Al igual que con cualquier p\u00f3liza de seguro, el seguro comercial no cubre intencionalmente el da\u00f1o a la entidad u objetos que cubre su seguro. Evitar irregularidades no es solo una buena manera de evitar reclamos denegados. Tambi\u00e9n es una buena pr\u00e1ctica comercial. Cuanta m\u00e1s integridad mantenga su empresa, mayor ser\u00e1 la probabilidad de asegurar y mantener clientes.<\/span><\/p>\n<h2>2. Pasivos generales<\/h2>\n<p><span style=\"font-weight: 400;\">La mayor\u00eda de los seguros comerciales no cubren los accidentes cotidianos que no est\u00e1n directamente relacionados con las actividades en el lugar de trabajo. Cualquier accidente que resulte en una p\u00e9rdida o lesi\u00f3n y no se correlacione directamente con su trabajo no puede ser cubierto. Para casos generales como este, necesita un seguro de responsabilidad civil general.<\/span><\/p>\n<h2>3. Actos ilegales<\/h2>\n<p><span style=\"font-weight: 400;\">Si bien esto puede parecer obvio, vale la pena se\u00f1alar que cualquier reclamo que implique actos ilegales realizados por usted o su organizaci\u00f3n no puede estar cubierto por un seguro comercial. Si su empresa se involucra en actividades ilegales, incluso aquellas que pueden parecer inocuas, sus reclamos no pueden ser cubiertos.<\/span><\/p>\n<h2>4. Lesiones de empleados<\/h2>\n<p><span style=\"font-weight: 400;\">El seguro de compensaci\u00f3n para trabajadores cubre la mayor\u00eda de los accidentes que resultan en lesiones a cualquiera de sus empleados. Si bien debe trabajar para hacer que su lugar de trabajo sea seguro, tambi\u00e9n debe asegurarse de que su organizaci\u00f3n tenga todos los tipos necesarios de cobertura de seguro que le evitar\u00e1n tener que pagar de su bolsillo por accidentes como estos.<\/span><\/p>\n<h2>5. Disputas de empleados<\/h2>\n<p><span style=\"font-weight: 400;\">El seguro comercial a menudo puede cubrir los errores cometidos por los empleados cuando act\u00faan en nombre de su negocio. En el caso de un empleado que presenta una disputa, el reclamo puede no estar cubierto. Si uno de sus empleados presenta una demanda basada en discriminaci\u00f3n u otra fechor\u00eda, esto no estar\u00e1 cubierto por el seguro comercial.<\/span><\/p>\n<h2>6. Publicidad falsa<\/h2>\n<p><span style=\"font-weight: 400;\">Las demandas presentadas como resultado de que usted o su empresa realicen publicidad falsa no estar\u00e1n cubiertas por las p\u00f3lizas de seguros comerciales. La publicidad falsa puede venir en muchas formas, pero lo importante es recordar que si participa en ella y sus clientes o clientes demandan, su caso no estar\u00e1 cubierto. Una vez m\u00e1s, la integridad en todas las \u00e1reas puede ahorrarle dinero a su empresa en m\u00e1s de un sentido.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Es vital proteger su negocio de los peligros evitables, y el seguro comercial es una de las herramientas m\u00e1s valiosas que puede usar para salvaguardar la salud financiera de su negocio. Cuando se trata de seguros comerciales, busque a los profesionales de Altra Insurance Services para obtener consejos s\u00f3lidos basados en a\u00f1os de experiencia en la industria de seguros. Tambi\u00e9n ofrecemos propietarios confiables, inquilinos y <\/span><a href=\"https:\/\/altrainsurance.com\/auto-insurance-san-diego\/\"><span style=\"font-weight: 400;\">seguro de auto. San Diego<\/span><\/a><span style=\"font-weight: 400;\"> Los residentes pueden llamar hoy a uno de nuestros agentes expertos al (800) 719-9972 para hablar sobre sus necesidades de seguro. \u00a0\u00a0\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>El seguro comercial puede ser una gran inversi\u00f3n. Proporciona la tranquilidad que le permite a su negocio crecer y prosperar sin el peligro de contratiempos financieros importantes. Si bien es una opci\u00f3n acertada para cualquier compa\u00f1\u00eda, los seguros comerciales: los propietarios de negocios de San Diego prefieren, como cualquier otra forma de seguro, tienen algunas limitaciones. ... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/what-does-commercial-insurance-not-cover\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;6 Categories Not Covered by Commercial Insurance&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":330,"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-328","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-commercial-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>6 Categories Not Covered by Commercial Insurance<\/title>\n<meta name=\"description\" content=\"You should do everything you can to protect your business from financial danger. 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While commercial insurance is crucial, there are few things it won\u2019t cover.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/altrainsurance.com\/es\/what-does-commercial-insurance-not-cover\/","og_locale":"es_ES","og_type":"article","og_title":"6 Categories Not Covered by Commercial Insurance","og_description":"You should do everything you can to protect your business from financial danger. While commercial insurance is crucial, there are few things it won\u2019t cover.","og_url":"https:\/\/altrainsurance.com\/es\/what-does-commercial-insurance-not-cover\/","og_site_name":"ALTRA INSURANCE","article_published_time":"2018-10-15T09:00:32+00:00","og_image":[{"width":525,"height":350,"url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2018\/10\/Categories-Not-Covered-by-Commercial-Insurance.jpg","type":"image\/jpeg"}],"author":"Altra Insurance","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Altra Insurance","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/altrainsurance.com\/what-does-commercial-insurance-not-cover\/#article","isPartOf":{"@id":"https:\/\/altrainsurance.com\/what-does-commercial-insurance-not-cover\/"},"author":{"name":"Altra Insurance","@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"headline":"6 Categories Not Covered by Commercial Insurance","datePublished":"2018-10-15T09:00:32+00:00","mainEntityOfPage":{"@id":"https:\/\/altrainsurance.com\/what-does-commercial-insurance-not-cover\/"},"wordCount":520,"commentCount":0,"image":{"@id":"https:\/\/altrainsurance.com\/what-does-commercial-insurance-not-cover\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2018\/10\/Categories-Not-Covered-by-Commercial-Insurance.jpg","articleSection":["Business &amp; Commercial Insurance"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/altrainsurance.com\/what-does-commercial-insurance-not-cover\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/altrainsurance.com\/what-does-commercial-insurance-not-cover\/","url":"https:\/\/altrainsurance.com\/what-does-commercial-insurance-not-cover\/","name":"6 Categor\u00edas no cubiertas por el seguro comercial","isPartOf":{"@id":"https:\/\/altrainsurance.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/altrainsurance.com\/what-does-commercial-insurance-not-cover\/#primaryimage"},"image":{"@id":"https:\/\/altrainsurance.com\/what-does-commercial-insurance-not-cover\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2018\/10\/Categories-Not-Covered-by-Commercial-Insurance.jpg","datePublished":"2018-10-15T09:00:32+00:00","author":{"@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"description":"You should do everything you can to protect your business from financial danger. 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