{"id":3964,"date":"2021-06-14T09:00:27","date_gmt":"2021-06-14T09:00:27","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=3964"},"modified":"2023-01-05T10:58:26","modified_gmt":"2023-01-05T10:58:26","slug":"commercial-insurance-main-purposes","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/commercial-insurance-main-purposes\/","title":{"rendered":"\u00bfPara qu\u00e9 sirve el seguro comercial?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Proteger a su organizaci\u00f3n del riesgo financiero es m\u00e1s f\u00e1cil de hacer con un seguro comercial. Sin embargo, ser\u00eda mejor obtener m\u00e1s informaci\u00f3n sobre la cobertura para asegurarse de obtener el mejor plan para su negocio. A continuaci\u00f3n, encontrar\u00e1 detalles sobre los seguros comerciales, incluido su prop\u00f3sito.<\/span><\/p>\n<h2>Varios tipos<\/h2>\n<p><span style=\"font-weight: 400;\">Los diferentes tipos de cobertura de seguro comercial incluyen autom\u00f3vil, bienes ra\u00edces, compensaci\u00f3n de trabajadores, cibern\u00e9tico y responsabilidad general. La cobertura que elija depender\u00e1 del tipo de negocio que opere. Sin embargo, si tiene varias organizaciones, puede seleccionar m\u00e1s de un tipo de cobertura. En algunos casos, su empresa puede calificar para una tarifa con descuento al comprar dos o m\u00e1s planes del mismo proveedor. Al inscribirse, es mejor consultar con la compa\u00f1\u00eda para obtener m\u00e1s informaci\u00f3n sobre sus opciones y paquetes con descuento.<\/span><\/p>\n<h2>Qu\u00e9 est\u00e1 cubierto<\/h2>\n<p><span style=\"font-weight: 400;\">Como propietario de una empresa, es posible que deba proporcionar un seguro para los empleados, los visitantes y los tratos comerciales con otras empresas, seg\u00fan las reglamentaciones estatales, locales y federales de su \u00e1rea. Este tipo de seguro podr\u00eda ayudarlo a pagar los costos de la p\u00e9rdida de ingresos comerciales, las demandas contra la organizaci\u00f3n, los problemas de la oficina en el hogar y los da\u00f1os a la propiedad. Por ejemplo, si los visitantes demandan a su empresa por un accidente que tuvo lugar en la propiedad de la empresa, o si un empleado se lesiona mientras realizaba el trabajo para su organizaci\u00f3n en otro lugar, el plan de seguro comercial que elija puede cubrir esos costos de responsabilidad.<\/span><\/p>\n<h2>Diversos temas que pueden no estar cubiertos<\/h2>\n<p><span style=\"font-weight: 400;\">La mayor\u00eda de las empresas tienen la idea err\u00f3nea de que las actividades comerciales o <\/span><a href=\"https:\/\/altrainsurance.com\/business-insurance-san-diego\/\"><span style=\"font-weight: 400;\">seguro de negocio<\/span><\/a><span style=\"font-weight: 400;\"> pueden salvar sus negocios de cada incumplimiento, p\u00e9rdida financiera, reclamo de compensaci\u00f3n laboral y p\u00e9rdida por da\u00f1os a la propiedad. Si bien la cobertura puede reducir el riesgo financiero de su empresa con m\u00faltiples problemas, existen algunas situaciones en las que el seguro comercial no se aplica, como desastres naturales como inundaciones o eventos clim\u00e1ticos significativos. Las actividades fraudulentas e intencionales no est\u00e1n cubiertas y podr\u00edan dar lugar a arrestos, tiempo en la c\u00e1rcel y multas sustanciales. Antes de seleccionar un plan de seguro comercial, investigue el programa y aseg\u00farese de que sus cl\u00e1usulas cubran p\u00f3lizas est\u00e1ndar y riesgos adicionales.<\/span><\/p>\n<h2>Incertidumbre reducida<\/h2>\n<p><span style=\"font-weight: 400;\">Muchas empresas, especialmente las peque\u00f1as, se preocupan por las p\u00e9rdidas por responsabilidad civil y los da\u00f1os a la propiedad que podr\u00edan ocurrir en el futuro, lo que les dificulta desarrollar planes a largo plazo. Sin embargo, con un seguro comercial, puede tener menos incertidumbre y asumir m\u00e1s riesgos con su empresa. Esto incluye la contrataci\u00f3n de empleados adicionales o la captaci\u00f3n de clientes adicionales en lugar de centrarse en gastos de bolsillo masivos que podr\u00edan hacer retroceder financieramente a su organizaci\u00f3n.<\/span><\/p>\n<h2>Acceso a m\u00e1s recursos<\/h2>\n<p><span style=\"font-weight: 400;\">Su empresa tiene acceso a corporaciones m\u00e1s grandes, expertos en control de p\u00e9rdidas y recursos legales con seguros comerciales. Estos beneficios son esenciales cuando se trata de construir una base s\u00f3lida y aumentar el alcance de su marca. Una compa\u00f1\u00eda de seguros puede proporcionar a su organizaci\u00f3n varios recursos para reducir los riesgos y mejorar su marca. Al comparar proveedores de seguros comerciales, investigue los beneficios que ofrecen, como la asistencia gratuita de recursos humanos, que puede reducir las probabilidades de demandas relacionadas con el empleo.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Los due\u00f1os de negocios necesitan un seguro comercial porque operar un negocio significa asumir ciertos tipos de riesgo, y el tipo de seguro comercial necesario variar\u00e1 seg\u00fan el tama\u00f1o de la empresa y el tipo de operaci\u00f3n. Para un seguro comercial asequible y confiable, as\u00ed como para propietarios de viviendas, inquilinos, motocicletas y <\/span><a href=\"https:\/\/altrainsurance.com\/auto-insurance-chula-vista\/\"><span style=\"font-weight: 400;\">seguro de auto chula vista<\/span><\/a><span style=\"font-weight: 400;\">, recurra 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":"<p>Proteger a su organizaci\u00f3n del riesgo financiero es m\u00e1s f\u00e1cil de hacer con un seguro comercial. Sin embargo, ser\u00eda mejor obtener m\u00e1s informaci\u00f3n sobre la cobertura para asegurarse de obtener el mejor plan para su negocio. A continuaci\u00f3n, encontrar\u00e1 detalles sobre los seguros comerciales, incluido su prop\u00f3sito. Varios tipos Los diferentes tipos de cobertura de seguro comercial incluyen automotriz, real... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/commercial-insurance-main-purposes\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;What Is Commercial Insurance For?&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":3965,"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-3964","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 the Purpose of Commercial Insurance?<\/title>\n<meta name=\"description\" content=\"Commercial insurance is a basic necessity for every business. Read on to learn the purpose and types of commercial insurance and what it typically covers.\" \/>\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\/commercial-insurance-main-purposes\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is the Purpose of Commercial Insurance?\" \/>\n<meta property=\"og:description\" content=\"Commercial insurance is a basic necessity for every business. Read on to learn the purpose and types of commercial insurance and what it typically covers.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/altrainsurance.com\/es\/commercial-insurance-main-purposes\/\" \/>\n<meta property=\"og:site_name\" content=\"ALTRA INSURANCE\" \/>\n<meta property=\"article:published_time\" content=\"2021-06-14T09:00:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-01-05T10:58:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/06\/Commercial-Insurance-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"525\" \/>\n\t<meta property=\"og:image:height\" content=\"350\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Altra Insurance\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Altra Insurance\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What Is the Purpose of Commercial Insurance?","description":"Commercial insurance is a basic necessity for every business. Read on to learn the purpose and types of commercial insurance and what it typically covers.","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\/commercial-insurance-main-purposes\/","og_locale":"es_ES","og_type":"article","og_title":"What Is the Purpose of Commercial Insurance?","og_description":"Commercial insurance is a basic necessity for every business. Read on to learn the purpose and types of commercial insurance and what it typically covers.","og_url":"https:\/\/altrainsurance.com\/es\/commercial-insurance-main-purposes\/","og_site_name":"ALTRA INSURANCE","article_published_time":"2021-06-14T09:00:27+00:00","article_modified_time":"2023-01-05T10:58:26+00:00","og_image":[{"width":525,"height":350,"url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/06\/Commercial-Insurance-1.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\/commercial-insurance-main-purposes\/#article","isPartOf":{"@id":"https:\/\/altrainsurance.com\/commercial-insurance-main-purposes\/"},"author":{"name":"Altra Insurance","@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"headline":"What Is Commercial Insurance For?","datePublished":"2021-06-14T09:00:27+00:00","dateModified":"2023-01-05T10:58:26+00:00","mainEntityOfPage":{"@id":"https:\/\/altrainsurance.com\/commercial-insurance-main-purposes\/"},"wordCount":562,"commentCount":0,"image":{"@id":"https:\/\/altrainsurance.com\/commercial-insurance-main-purposes\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/06\/Commercial-Insurance-1.jpg","articleSection":["Business &amp; Commercial Insurance"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/altrainsurance.com\/commercial-insurance-main-purposes\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/altrainsurance.com\/commercial-insurance-main-purposes\/","url":"https:\/\/altrainsurance.com\/commercial-insurance-main-purposes\/","name":"What Is the Purpose of Commercial Insurance?","isPartOf":{"@id":"https:\/\/altrainsurance.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/altrainsurance.com\/commercial-insurance-main-purposes\/#primaryimage"},"image":{"@id":"https:\/\/altrainsurance.com\/commercial-insurance-main-purposes\/#primaryimage"},"thumbnailUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/06\/Commercial-Insurance-1.jpg","datePublished":"2021-06-14T09:00:27+00:00","dateModified":"2023-01-05T10:58:26+00:00","author":{"@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1"},"description":"Commercial insurance is a basic necessity for every business. Read on to learn the purpose and types of commercial insurance and what it typically covers.","breadcrumb":{"@id":"https:\/\/altrainsurance.com\/commercial-insurance-main-purposes\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/altrainsurance.com\/commercial-insurance-main-purposes\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/altrainsurance.com\/commercial-insurance-main-purposes\/#primaryimage","url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/06\/Commercial-Insurance-1.jpg","contentUrl":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/06\/Commercial-Insurance-1.jpg","width":525,"height":350,"caption":"Commercial Insurance"},{"@type":"BreadcrumbList","@id":"https:\/\/altrainsurance.com\/commercial-insurance-main-purposes\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/altrainsurance.com\/"},{"@type":"ListItem","position":2,"name":"What Is Commercial Insurance For?"}]},{"@type":"WebSite","@id":"https:\/\/altrainsurance.com\/#website","url":"https:\/\/altrainsurance.com\/","name":"SEGURO ALTRA","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/altrainsurance.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/altrainsurance.com\/#\/schema\/person\/a1ba432385a8de6d0e2e8400baf982c1","name":"Altra Insurance","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/cc471c9d455606a06cc6fe86d275ee89e67adf257105037ddd10a323ce75a96f?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cc471c9d455606a06cc6fe86d275ee89e67adf257105037ddd10a323ce75a96f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/cc471c9d455606a06cc6fe86d275ee89e67adf257105037ddd10a323ce75a96f?s=96&d=mm&r=g","caption":"Altra Insurance"},"sameAs":["http:\/\/blog578"],"url":"https:\/\/altrainsurance.com\/es\/author\/blog578-2\/"}]}},"jetpack_featured_media_url":"https:\/\/altrainsurance.com\/wp-content\/uploads\/2021\/06\/Commercial-Insurance-1.jpg","jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts\/3964","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/comments?post=3964"}],"version-history":[{"count":3,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts\/3964\/revisions"}],"predecessor-version":[{"id":6992,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/posts\/3964\/revisions\/6992"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/media\/3965"}],"wp:attachment":[{"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/media?parent=3964"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/categories?post=3964"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altrainsurance.com\/es\/wp-json\/wp\/v2\/tags?post=3964"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}