{"id":3676,"date":"2020-04-17T09:00:39","date_gmt":"2020-04-17T09:00:39","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=3676"},"modified":"2020-04-17T06:34:13","modified_gmt":"2020-04-17T06:34:13","slug":"what-businesses-need-to-purchase-commercial-general-liability-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/what-businesses-need-to-purchase-commercial-general-liability-insurance\/","title":{"rendered":"\u00bfNecesito un seguro de responsabilidad civil comercial para mi negocio?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">El seguro de responsabilidad civil comercial es un tipo de seguro de responsabilidad civil a gran escala destinado a las empresas. Esencialmente, es una forma de seguro que cubre todos los tipos comunes de reclamos de responsabilidad que una empresa puede encontrar durante las operaciones t\u00edpicas. Casi cualquier empresa puede beneficiarse del seguro de responsabilidad civil comercial, pero es particularmente \u00fatil para algunos tipos espec\u00edficos de empresas. Si no est\u00e1n seguros de lo que necesitan en t\u00e9rminos de <\/span><a href=\"https:\/\/altrainsurance.com\/business-insurance-san-diego\/\"><span style=\"font-weight: 400;\">seguro de negocios, San Diego<\/span><\/a><span style=\"font-weight: 400;\"> 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<h2>Contratistas<\/h2>\n<p><span style=\"font-weight: 400;\">Los contratistas que trabajan en una variedad de proyectos de construcci\u00f3n necesitan este tipo de seguro porque la naturaleza \u00fanica de su trabajo los pone en alto riesgo de reclamos de responsabilidad. Muchos clientes ni siquiera contratan contratistas sin un seguro de responsabilidad civil general porque quieren asegurarse de que puedan ser compensados si los contratistas da\u00f1an accidentalmente su propiedad o equipo.\u00a0<\/span><\/p>\n<h2>Ubicaciones de venta<\/h2>\n<p><span style=\"font-weight: 400;\">Cualquier persona que dirija un negocio minorista puede usar un seguro de responsabilidad civil general para protegerlos contra reclamos sobre productos defectuosos, da\u00f1inos o anunciados incorrectamente que puedan vender. Sin embargo, el seguro de responsabilidad civil general es a\u00fan m\u00e1s importante para las tiendas minoristas donde el p\u00fablico puede ingresar a las tiendas. Por ejemplo, puede proteger al due\u00f1o del negocio de un reclamo si un cliente resulta lesionado en el sitio.\u00a0<\/span><\/p>\n<h2>Talleres de reparacion<\/h2>\n<p><span style=\"font-weight: 400;\">Cualquier negocio que maneja regularmente la propiedad del cliente debe tener un seguro de responsabilidad en caso de que algo salga mal y la propiedad de un cliente se pierda o se da\u00f1e mientras est\u00e1 en el negocio. Las tiendas que regularmente reciben los tel\u00e9fonos, instrumentos musicales o herramientas de los clientes para repararlos necesitar\u00e1n un seguro para cubrir todos los art\u00edculos que se les conf\u00edan cada d\u00eda.<\/span><\/p>\n<h2>Servicios de jardiner\u00eda y limpieza del hogar<\/h2>\n<p><span style=\"font-weight: 400;\">Dado que las personas en este tipo de negocios visitan constantemente los hogares de los clientes, necesitan un seguro de responsabilidad civil para protegerlos en caso de que se da\u00f1e la casa o el c\u00e9sped. El seguro de responsabilidad civil tambi\u00e9n puede ayudar en caso de que alguien se lesione al entrar en contacto con las herramientas o productos qu\u00edmicos peligrosos que utilizan estas empresas.<\/span><\/p>\n<h2>Restaurantes<\/h2>\n<p><span style=\"font-weight: 400;\">Dado que los restaurantes tienen el importante trabajo de manipular los alimentos de los clientes, deben estar preparados para posibles reclamos de responsabilidad relacionados con problemas de lesiones personales. El seguro de responsabilidad civil general tiene la capacidad de proteger a los due\u00f1os de negocios de reclamos que otros hacen sobre lesiones corporales, por lo que se puede usar para cubrir problemas como personas que se enferman despu\u00e9s de las comidas, se lesionan en sus cocinas o se resbalan en pisos mojados.\u00a0<\/span><\/p>\n<h2>Propietarios de peque\u00f1as empresas que operan desde sus hogares<\/h2>\n<p><span style=\"font-weight: 400;\">La mayor\u00eda de las p\u00f3lizas de seguro para propietarios de viviendas no cubrir\u00e1n reclamos que surjan del curso de actividades comerciales. Por lo tanto, las personas que operan negocios fuera de sus hogares, desde creadores de joyas hasta proveedores de guarder\u00edas, deben obtener un seguro de responsabilidad civil general. Adem\u00e1s de proteger contra reclamos por lesiones personales, este tipo de pol\u00edtica tambi\u00e9n puede proteger contra reclamos debido a errores publicitarios o de redes sociales, lo cual puede ser muy com\u00fan cuando los propietarios de peque\u00f1as empresas comienzan por primera vez.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si es propietario de un negocio, aseg\u00farese de proteger su negocio 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><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 recurren a los profesionales confiables de Altra Insurance Services. 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>El seguro de responsabilidad civil comercial es un tipo de seguro de responsabilidad civil a gran escala destinado a las empresas. Esencialmente, es una forma de seguro que cubre todos los tipos comunes de reclamos de responsabilidad que una empresa puede encontrar durante las operaciones t\u00edpicas. Casi cualquier compa\u00f1\u00eda puede beneficiarse del seguro de responsabilidad civil comercial, pero es particularmente \u00fatil para algunos ... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/what-businesses-need-to-purchase-commercial-general-liability-insurance\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Do I Need Commercial General Liability Insurance for My Business?&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":3684,"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-3676","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>Who Needs Commercial General Liability Insurance?<\/title>\n<meta name=\"description\" content=\"Business owners need to know which types of insurance they require, including liability coverage. 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