{"id":3444,"date":"2020-03-16T09:00:17","date_gmt":"2020-03-16T09:00:17","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=3444"},"modified":"2022-08-19T13:54:49","modified_gmt":"2022-08-19T13:54:49","slug":"do-i-have-to-have-a-business-license-to-buy-business-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/do-i-have-to-have-a-business-license-to-buy-business-insurance\/","title":{"rendered":"\u00bfPuede obtener un seguro comercial sin una licencia comercial?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Abrir un negocio trae muchas preguntas, y el hecho de que est\u00e9 interesado en aprender m\u00e1s sobre seguros para su empresa demuestra su responsabilidad como emprendedor. En la mayor\u00eda de los casos, a\u00fan no necesita tener su licencia comercial para comprar un seguro para su empresa, lo que significa que puede comenzar esta tarea cr\u00edtica de inmediato. Sin embargo, debe saber que hay ciertos tipos de seguro que se le puede exigir que lleve para obtener o mantener su licencia comercial. Tambi\u00e9n hay otros tipos que debe obtener para protegerse de las consecuencias de demandas o eventos inesperados en el futuro.<\/span><\/p>\n<h2>Tipos de seguro comercial requerido<\/h2>\n<p><span style=\"font-weight: 400;\">El tipo principal de mandato estatal <\/span><a href=\"https:\/\/altrainsurance.com\/business-insurance-san-diego\/\"><span style=\"font-weight: 400;\">seguro de negocios en San Diego<\/span><\/a><span style=\"font-weight: 400;\"> las empresas deben llevar una cobertura de compensaci\u00f3n para trabajadores. Este tipo de seguro es una necesidad, incluso si solo contrata a otra persona porque la p\u00f3liza cubre cosas como una lesi\u00f3n de un empleado que ocurre como resultado del trabajo individual de su negocio. Los costos m\u00e9dicos, las vacaciones pagadas y otras responsabilidades que tiene como propietario de un negocio generalmente est\u00e1n cubiertos por este tipo de seguro.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">El seguro de autom\u00f3vil comercial es otro tipo com\u00fanmente requerido que puede necesitar si tiene veh\u00edculos comerciales. Esta pol\u00edtica es similar al tipo que compra para su veh\u00edculo personal, pero es a\u00fan m\u00e1s importante, ya que los veh\u00edculos utilizados para realizar negocios tienden a tener valores m\u00e1s altos.<\/span><\/p>\n<h2>Otros tipos de seguro a considerar<\/h2>\n<p><span style=\"font-weight: 400;\">Es posible que algunos tipos de seguros no sean necesarios para que opere su negocio, pero siguen siendo cr\u00edticos. Por ejemplo, el seguro de responsabilidad civil protege a su empresa si un cliente descontento o cualquier otra persona con la que su empresa entabla una demanda entabla una demanda. Si se presenta un reclamo contra su empresa, podr\u00eda ser costoso pagar una lesi\u00f3n personal o una multa sin que este seguro ayude a cubrir los costos. La cobertura de violaci\u00f3n de datos y responsabilidad cibern\u00e9tica es un tipo de seguro m\u00e1s nuevo que lo ayuda en caso de que su informaci\u00f3n privada de cliente o empleado se vea comprometida.<\/span><\/p>\n<h2>Formas de asegurarse de tener suficiente cobertura<\/h2>\n<p><span style=\"font-weight: 400;\">Ya tienes suficientes cosas con las que lidiar cuando abres un negocio. Tratar de averiguar qu\u00e9 tipos de cobertura y cu\u00e1nto obtener es confuso cuando hay tanto en juego. Puede trabajar con su agente para identificar qu\u00e9 tipos de seguro son esenciales para las necesidades de su negocio. El agente tambi\u00e9n puede ayudarlo a determinar cu\u00e1nta cobertura necesita para posibles problemas que puedan surgir de sus operaciones comerciales normales.<\/span><\/p>\n<h2>C\u00f3mo ahorrar en gastos de seguro<\/h2>\n<p><span style=\"font-weight: 400;\">El seguro es uno de esos gastos que paga bien cuando m\u00e1s lo necesita. Si bien no desea escatimar en cobertura, puede reducir costos buscando ofertas. Muchos propietarios de negocios agrupan sus p\u00f3lizas de seguro para obtener descuentos que les ayuden a ajustar la cantidad correcta de cobertura en sus presupuestos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ser propietario de un negocio implica asumir ciertos tipos de riesgo, pero operar sin un seguro comercial es una oportunidad que no debe correr. Para seguros comerciales y comerciales confiables y asequibles, as\u00ed como para propietarios de viviendas, inquilinos, motocicletas y\u00a0<\/span><a href=\"https:\/\/altrainsurance.com\/\"><span style=\"font-weight: 400;\">seguro de auto National City<\/span><\/a><span style=\"font-weight: 400;\">, 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":"<p>Abrir un negocio trae muchas preguntas, y el hecho de que est\u00e9 interesado en aprender m\u00e1s sobre seguros para su empresa demuestra su responsabilidad como emprendedor. En la mayor\u00eda de los casos, todav\u00eda no necesita tener su licencia comercial para comprar un seguro para su empresa, lo que significa que puede comenzar esta tarea cr\u00edtica ... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/do-i-have-to-have-a-business-license-to-buy-business-insurance\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Can You Get Business Insurance without a Business License?&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":3529,"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-3444","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>Do I Need a Business License to Get Business Insurance?<\/title>\n<meta name=\"description\" content=\"If you&#039;re a new business owner, you may be wondering if you&#039;re required to have a business license to buy business insurance. Here\u2019s what you need to know.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/altrainsurance.com\/es\/do-i-have-to-have-a-business-license-to-buy-business-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do I Need a Business License to Get Business Insurance?\" \/>\n<meta property=\"og:description\" content=\"If you&#039;re a new business owner, you may be wondering if you&#039;re required to have a business license to buy business insurance. 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Here\u2019s what you need to know.","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\/do-i-have-to-have-a-business-license-to-buy-business-insurance\/","og_locale":"es_ES","og_type":"article","og_title":"Do I Need a Business License to Get Business Insurance?","og_description":"If you're a new business owner, you may be wondering if you're required to have a business license to buy business insurance. 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