{"id":3952,"date":"2021-06-04T09:00:54","date_gmt":"2021-06-04T09:00:54","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=3952"},"modified":"2023-01-05T11:01:55","modified_gmt":"2023-01-05T11:01:55","slug":"calculating-commercial-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/calculating-commercial-insurance\/","title":{"rendered":"\u00bfC\u00f3mo se calcula una tasa de seguro de propiedad comercial?"},"content":{"rendered":"

El seguro de propiedad comercial tiene algunas diferencias muy importantes cuando se trata de c\u00f3mo se compara con su contraparte residencial. Uno de ellos es c\u00f3mo se realizan los c\u00e1lculos para determinar las tasas de seguro y otros factores clave de estructura de p\u00f3liza y cobertura. A continuaci\u00f3n, repasamos c\u00f3mo se calcula t\u00edpicamente el seguro de propiedad comercial al observar los factores que a menudo se consideran.<\/span><\/p>\n

El valor de la propiedad<\/h2>\n

El valor de su propiedad comercial es uno de los factores b\u00e1sicos que intervienen en los c\u00e1lculos de las necesidades de cobertura y las tarifas. Este valor generalmente lo determina un tasador autorizado o documentos disponibles que muestren claramente cualquier evaluaci\u00f3n del valor de la propiedad que ya se encuentre en el archivo.<\/span><\/p>\n

Potencial de ganancias futuras<\/h2>\n

Tambi\u00e9n es com\u00fan que los proveedores de seguros consideren el potencial de ganancias futuras de una propiedad. Por ejemplo, el potencial de ganancias puede considerarse mayor para la nueva planta de un fabricante establecido que para un edificio destinado a ser utilizado por un negocio completamente nuevo.<\/span><\/p>\n

Construcci\u00f3n de edificio<\/h2>\n

Un proveedor de seguros tambi\u00e9n suele analizar qu\u00e9 materiales se utilizaron para construir la propiedad que desea asegurar. Con los materiales de construcci\u00f3n, las tasas de seguro y los factores relacionados tienden a estar influenciados por: <\/span>
\n<\/span>
\n<\/span>\u2022 Capacidad de resistencia al fuego de varios materiales de construcci\u00f3n<\/span>
\n<\/span>\u2022 Calidad del cableado el\u00e9ctrico del edificio<\/span>
\n<\/span>\u2022 Edad y condici\u00f3n de los sistemas clave del edificio (p. ej., plomer\u00eda, HVAC)<\/span>
\n<\/span>
\n<\/span>Por lo general, tambi\u00e9n se consideran la edad y el estado de su propiedad comercial en su conjunto. Sin embargo, es posible que pueda compensar este problema si tiene un edificio antiguo realizando actualizaciones estrat\u00e9gicas.<\/span><\/p>\n

Ocupaci\u00f3n<\/h2>\n

La forma en que se usa una estructura tambi\u00e9n puede afectar las tarifas de propiedad comercial a medida que se realizan los c\u00e1lculos. Por ejemplo, un edificio donde se llevan a cabo procesos de soldadura y similares generalmente costar\u00e1 m\u00e1s asegurar que uno con consultorios m\u00e9dicos.<\/span><\/p>\n

Protecciones y Precauciones<\/h2>\n

Como <\/span>seguro comercial<\/span><\/a> se est\u00e1n realizando los c\u00e1lculos, es posible que pueda obtener tasas m\u00e1s bajas si se aplican ciertas protecciones y precauciones. Las caracter\u00edsticas o consideraciones de esta naturaleza que podr\u00edan contribuir a tarifas reducidas incluyen: <\/span>
\n<\/span>
\n<\/span>\u2022 Proximidad a bocas de incendio o estaciones de bomberos<\/span>
\n<\/span>\u2022 Sistemas de alarma contra incendios y robos<\/span>
\n<\/span>\u2022 Sistemas de rociadores <\/span>
\n<\/span>\u2022 C\u00e1maras de vigilancia de la propiedad<\/span><\/p>\n

Exposici\u00f3n al Riesgo<\/h2>\n

La exposici\u00f3n al riesgo tambi\u00e9n se considera cuando se calcula el seguro de propiedad comercial. Por ejemplo, si su empresa est\u00e1 ubicada en un vecindario con una tasa de criminalidad m\u00e1s alta que la t\u00edpica del resto del \u00e1rea, es posible que termine pagando tarifas m\u00e1s altas. Este tambi\u00e9n podr\u00eda ser el caso si el \u00e1rea donde se encuentra su propiedad comercial es susceptible a inundaciones u otros desastres naturales.<\/span><\/p>\n

Otros negocios en el \u00e1rea<\/h2>\n

Si bien esto puede no ser un factor significativo, a veces se considera que se calcula el seguro de propiedad comercial. Por ejemplo, si su edificio de oficinas comerciales est\u00e1 ubicado justo al lado de una f\u00e1brica de fuegos artificiales, es probable que se considere este hecho.<\/span><\/p>\n

Obtener un c\u00e1lculo justo<\/h2>\n

El seguro comercial es bastante complejo, y muchos factores determinar\u00e1n sus tarifas y el alcance de la cobertura que necesitar\u00e1 o que se le animar\u00e1 a considerar. En cuanto a c\u00f3mo obtener un c\u00e1lculo justo al buscar un seguro de propiedad comercial, estar preparado definitivamente puede ayudar. Esto es algo que deber\u00edas poder hacer con: <\/span>
\n<\/span>
\n<\/span>\u2022 Documentaci\u00f3n actualizada sobre el estado de la propiedad<\/span>
\n<\/span>\u2022 Prueba de cualquier actualizaci\u00f3n relevante que ya haya completado<\/span>
\n<\/span>\u2022 Documentaci\u00f3n que muestre las tarifas promedio de propiedad comercial en el \u00e1rea para estructuras comparables\u00a0<\/span><\/p>\n

Operar un negocio significa asumir ciertos tipos de riesgo, y el tipo de seguro comercial necesario variar\u00e1 seg\u00fan varios factores. Para seguros comerciales asequibles y fiables, as\u00ed como para propietarios de viviendas, inquilinos, motocicletas y <\/span>seguro de auto chula vista<\/span><\/a>. Los residentes locales recurren a los profesionales de confianza de Altra Insurance Services. Comun\u00edquese con nosotros hoy al (800) 719-9972 para saber c\u00f3mo podemos satisfacer todas sus necesidades de seguro.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

El seguro de propiedad comercial tiene algunas diferencias muy importantes cuando se trata de c\u00f3mo se compara con su contraparte residencial. Uno de ellos es c\u00f3mo se realizan los c\u00e1lculos para determinar las tasas de seguro y otros factores clave de estructura de p\u00f3liza y cobertura. A continuaci\u00f3n, repasamos c\u00f3mo se calcula t\u00edpicamente el seguro de propiedad comercial al observar el... <\/p>\n

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