{"id":3960,"date":"2021-06-11T09:00:33","date_gmt":"2021-06-11T09:00:33","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=3960"},"modified":"2023-01-05T10:59:55","modified_gmt":"2023-01-05T10:59:55","slug":"what-does-commercial-insurance-not-cover-2","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/what-does-commercial-insurance-not-cover-2\/","title":{"rendered":"\u00bfCu\u00e1les son algunas cosas que el seguro comercial no cubre?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Independientemente del tipo de negocio u operaci\u00f3n comercial que tenga, habr\u00e1 ciertos riesgos involucrados. Estos riesgos potenciales pueden implicar responsabilidades legales y otras cuestiones que podr\u00edan tener un impacto financiero grave en usted, y hay algunas cosas que normalmente no est\u00e1n cubiertas por las normas. <\/span><a href=\"https:\/\/altrainsurance.com\/business-insurance-san-diego\/\"><span style=\"font-weight: 400;\">seguro comercial San Diego<\/span><\/a><span style=\"font-weight: 400;\"> los due\u00f1os de negocios deben tener en cuenta a medida que exploran las opciones de cobertura complementaria.<\/span><\/p>\n<h2>Responsabilidad profesional<\/h2>\n<p><span style=\"font-weight: 400;\">El seguro comercial general no cubrir\u00e1 ning\u00fan riesgo espec\u00edfico de su profesi\u00f3n. Si tiene planes de abrir y administrar un consultorio m\u00e9dico, por ejemplo, tambi\u00e9n necesitar\u00eda un seguro de negligencia m\u00e9dica. Los abogados y contadores necesitar\u00edan un seguro de responsabilidad profesional para cubrir los riesgos espec\u00edficos de su profesi\u00f3n. El tipo de cobertura de responsabilidad civil complementaria que necesitar\u00e1 depender\u00e1 de la naturaleza de su profesi\u00f3n y negocio.<\/span><\/p>\n<h2>Costos de reemplazo de equipo completo<\/h2>\n<p><span style=\"font-weight: 400;\">La parte de da\u00f1os a la propiedad de una p\u00f3liza de responsabilidad comercial est\u00e1ndar cubrir\u00e1 los costos para reemplazar el equipo comercial. Sin embargo, el pago generalmente se limita al valor real del equipo da\u00f1ado. Esto puede ser un problema si tiene un equipo antiguo que ha perdido un valor significativo a lo largo de los a\u00f1os. Esta brecha en el valor actual y el costo de reemplazo se puede cubrir con una cl\u00e1usula adicional de costo de reemplazo total.<\/span><\/p>\n<h2>P\u00e9rdidas por Ciertas Interrupciones Comerciales<\/h2>\n<p><span style=\"font-weight: 400;\">Digamos que una parte sustancial de su inventario se pierde debido a un incendio o una inundaci\u00f3n. Una p\u00f3liza de responsabilidad general est\u00e1ndar cubrir\u00eda los costos de cualquier inventario f\u00edsico que se haya perdido. Sin embargo, no estar\u00eda cubierto por la p\u00e9rdida de ingresos de los pedidos que ahora no puede completar. Una cl\u00e1usula de interrupci\u00f3n comercial ser\u00eda el tipo de cobertura complementaria que se debe agregar si se trata de un riesgo potencial para su negocio.<\/span><\/p>\n<h2>Compensaci\u00f3n de trabajadores<\/h2>\n<p><span style=\"font-weight: 400;\">Todas las empresas con empleados deben proporcionar alg\u00fan tipo de seguro de compensaci\u00f3n para trabajadores para cubrir los gastos relacionados con las lesiones en el trabajo. Pero no obtendr\u00e1 este tipo de cobertura con una p\u00f3liza de responsabilidad general est\u00e1ndar. En su lugar, necesitar\u00e1 una cobertura de compensaci\u00f3n para trabajadores por separado. Tambi\u00e9n es posible que deba pagar en el sistema de compensaci\u00f3n para trabajadores de su estado, seg\u00fan el estado donde se encuentra principalmente su negocio.<\/span><\/p>\n<h2>Da\u00f1os o lesiones relacionadas con veh\u00edculos comerciales<\/h2>\n<p><span style=\"font-weight: 400;\">El seguro de responsabilidad civil general no cubrir\u00e1 ning\u00fan da\u00f1o que ocurra cuando los empleados conduzcan fuera de sus instalaciones o propiedades inmediatas. Por esta raz\u00f3n, necesitar\u00e1 una p\u00f3liza de seguro de autom\u00f3vil comercial por separado para cubrir sus veh\u00edculos cuando sus empleados los est\u00e9n usando. Nuevamente, si necesitar\u00e1 hacer esto depender\u00e1 de la naturaleza de su negocio. Si tiene veh\u00edculos de servicio, por ejemplo, se recomendar\u00eda un seguro de autom\u00f3vil comercial.<\/span><\/p>\n<h2>Otras \"Extras\"<\/h2>\n<p><span style=\"font-weight: 400;\">Es posible que tambi\u00e9n necesite otros tipos de cobertura suplementaria o \u201cextra\u201d para completar su cobertura comercial. Por ejemplo, si fabrica y vende sus propios productos, puede beneficiarse de una cobertura de responsabilidad del producto independiente para protegerse de posibles reclamaciones espec\u00edficas sobre la seguridad y el rendimiento del producto.<\/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-chula-vista\/\">seguro de auto chula vista.<\/a><span style=\"font-weight: 400;\"> Los residentes locales pueden llamar hoy a uno de nuestros agentes expertos al (800) 719-9972 para analizar sus necesidades de seguro.\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Independientemente del tipo de negocio u operaci\u00f3n comercial que tenga, habr\u00e1 ciertos riesgos involucrados. Estos riesgos potenciales pueden implicar responsabilidades legales y otros problemas que podr\u00edan tener un impacto financiero serio, y hay algunas cosas que normalmente no est\u00e1n cubiertas por el seguro comercial est\u00e1ndar que los due\u00f1os de negocios en San Diego deben tener en cuenta, ya que... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/what-does-commercial-insurance-not-cover-2\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;What Are Some Things Commercial Insurance Doesn&#8217;t Cover?&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":3961,"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-3960","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>What Is Not Covered by Commercial Insurance?<\/title>\n<meta name=\"description\" content=\"While commercial insurance is a vital safeguard, it doesn\u2019t cover every situation that may come up. Here are some things commercial insurance won\u2019t cover.\" \/>\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\/what-does-commercial-insurance-not-cover-2\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is Not Covered by Commercial Insurance?\" \/>\n<meta property=\"og:description\" content=\"While commercial insurance is a vital safeguard, it doesn\u2019t cover every situation that may come up. 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Here are some things commercial insurance 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-2\/","og_locale":"es_ES","og_type":"article","og_title":"What Is Not Covered by Commercial Insurance?","og_description":"While commercial insurance is a vital safeguard, it doesn\u2019t cover every situation that may come up. Here are some things commercial insurance won\u2019t cover.","og_url":"https:\/\/altrainsurance.com\/es\/what-does-commercial-insurance-not-cover-2\/","og_site_name":"ALTRA INSURANCE","article_published_time":"2021-06-11T09:00:33+00:00","article_modified_time":"2023-01-05T10:59:55+00:00","og_image":[{"width":525,"height":350,"url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/06\/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-2\/#article","isPartOf":{"@id":"https:\/\/altrainsurance.com\/what-does-commercial-insurance-not-cover-2\/"},"author":{"name":"Altra Insurance","@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"headline":"What Are Some Things Commercial Insurance Doesn&#8217;t Cover?","datePublished":"2021-06-11T09:00:33+00:00","dateModified":"2023-01-05T10:59:55+00:00","mainEntityOfPage":{"@id":"https:\/\/altrainsurance.com\/what-does-commercial-insurance-not-cover-2\/"},"wordCount":564,"commentCount":0,"image":{"@id":"https:\/\/altrainsurance.com\/what-does-commercial-insurance-not-cover-2\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/06\/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-2\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/altrainsurance.com\/what-does-commercial-insurance-not-cover-2\/","url":"https:\/\/altrainsurance.com\/what-does-commercial-insurance-not-cover-2\/","name":"What Is Not Covered by Commercial Insurance?","isPartOf":{"@id":"https:\/\/altrainsurance.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/altrainsurance.com\/what-does-commercial-insurance-not-cover-2\/#primaryimage"},"image":{"@id":"https:\/\/altrainsurance.com\/what-does-commercial-insurance-not-cover-2\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/06\/Commercial-Insurance.jpg","datePublished":"2021-06-11T09:00:33+00:00","dateModified":"2023-01-05T10:59:55+00:00","author":{"@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"description":"While commercial insurance is a vital safeguard, it doesn\u2019t cover every situation that may come up. 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