{"id":3988,"date":"2021-06-28T09:00:27","date_gmt":"2021-06-28T09:00:27","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=3988"},"modified":"2026-05-21T11:55:33","modified_gmt":"2026-05-21T11:55:33","slug":"whats-covered-by-commercial-property-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/whats-covered-by-commercial-property-insurance\/","title":{"rendered":"\u00bfCu\u00e1les son las principales cosas que cubre el seguro de propiedad comercial?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Como propietario de un negocio, es mejor asegurarse de que su organizaci\u00f3n est\u00e9 asegurada contra p\u00e9rdidas, desde el espacio de oficina hasta el equipo y otros activos f\u00edsicos. Con la propiedad, la carga y otros activos de su negocio incluidos en su p\u00f3liza de seguro, podr\u00eda evitar p\u00e9rdidas significativas en el futuro siempre que sus reclamos sean v\u00e1lidos. Sin embargo, el seguro de propiedad comercial no cubre todo, por lo que debe continuar leyendo para averiguar qu\u00e9 incluyen estas p\u00f3lizas.<\/span><\/p>\n<h2>Da\u00f1os relacionados con el clima<\/h2>\n<p><span style=\"font-weight: 400;\">La lluvia, las tormentas el\u00e9ctricas, los rel\u00e1mpagos y otros eventos relacionados con el clima pueden causar da\u00f1os y p\u00e9rdidas significativos a las empresas. Si has comprado <\/span><a href=\"https:\/\/altrainsurance.com\/business-insurance-san-diego\/\"><span style=\"font-weight: 400;\">seguro comercial<\/span><\/a><span style=\"font-weight: 400;\">, espec\u00edficamente el seguro de propiedad comercial, su empresa podr\u00eda reemplazar o reparar estos art\u00edculos para la mayor\u00eda de los tipos de da\u00f1os causados \u200b\u200bpor el clima. Un ejemplo ser\u00eda el da\u00f1o causado por una tormenta el\u00e9ctrica que hace que el techo de su empresa se deteriore, se enmohezca o se derrumbe. Con una p\u00f3liza v\u00e1lida, puede evitar los gastos asociados con el reemplazo del techo. Adem\u00e1s, los art\u00edculos da\u00f1ados dentro del edificio est\u00e1n cubiertos por estas p\u00f3lizas b\u00e1sicas. El objetivo de la cobertura es realizar las reparaciones y obtener los reemplazos adecuados para que su negocio pueda continuar operando normalmente.<\/span><\/p>\n<h2>Robo<\/h2>\n<p><span style=\"font-weight: 400;\">Si alguien roba de su negocio o destroza el espacio de su oficina, los activos generalmente est\u00e1n cubiertos por un seguro de propiedad comercial. Sin embargo, los activos comerciales f\u00edsicos deben estar en su propiedad en el momento del robo. Por ejemplo, si le roban el autom\u00f3vil de su empresa mientras se encuentra fuera del edificio, es posible que el veh\u00edculo no est\u00e9 cubierto. Ser\u00eda bueno hablar con un representante para obtener m\u00e1s informaci\u00f3n sobre el robo y la cobertura fuera del sitio y qu\u00e9 tan lejos debe estar el activo f\u00edsico. En algunos casos, los proveedores cubren contenidos comerciales dentro de los 100 pies del edificio de la empresa.<\/span><\/p>\n<h2>Da\u00f1o accidental<\/h2>\n<p><span style=\"font-weight: 400;\">El seguro de propiedad comercial b\u00e1sico podr\u00eda aplicarse a percances relacionados con empleados y clientes. Por ejemplo, no es raro que un miembro del equipo rompa accidentalmente maquinaria, muebles de oficina o dispositivos necesarios. Sin embargo, estos art\u00edculos pueden estar cubiertos por la p\u00f3liza de seguro de su negocio. Incluso si su empleado se distrae mientras atiende una llamada telef\u00f3nica personal, accidentalmente derrama agua en una computadora y da\u00f1a ese dispositivo y otras herramientas en la oficina, puede presentar el reclamo a su proveedor. No asuma que los accidentes no est\u00e1n cubiertos. En su lugar, informe la p\u00e9rdida de activos relacionada con el error para ahorrar dinero a su empresa y aliviar el estr\u00e9s de sus empleados.<\/span><\/p>\n<h2>Lo que no cubre<\/h2>\n<p><span style=\"font-weight: 400;\">Los cierres forzados debido a da\u00f1os no est\u00e1n cubiertos por la mayor\u00eda de los planes de seguro de propiedad comercial. Si su techo se derrumba y su negocio debe cerrar mientras lo reparan, no puede reclamar los gastos gastados en el cierre. Adem\u00e1s, si se muda a otra propiedad mientras se repara el techo, los costos de reubicaci\u00f3n no est\u00e1n cubiertos. Este tipo de seguro tampoco cubre las lesiones de los empleados. Sin embargo, existen p\u00f3lizas que puede comprar para garantizar que su empresa est\u00e9 protegida cuando un empleado se lastima en su propiedad o mientras realiza tareas relacionadas con el negocio.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Es vital proteger su negocio de los peligros, y el seguro de propiedad comercial es una de las herramientas m\u00e1s valiosas que puede comprar para salvaguardar la salud financiera de su negocio. Cuando se trata de seguros de propiedad comercial, consulte a los profesionales de <\/span><span style=\"font-weight: 400;\">Altra Insurance<\/span><span style=\"font-weight: 400;\"> Servicios de asesoramiento acertado basados \u200b\u200ben a\u00f1os de experiencia en el sector asegurador. Tambi\u00e9n ofrecemos a propietarios, inquilinos y <\/span><a href=\"https:\/\/altrainsurance.com\/auto-insurance-san-diego\/\"><span style=\"font-weight: 400;\">Auto insurance<\/span><span style=\"font-weight: 400;\">. San Diego<\/span><\/a><span style=\"font-weight: 400;\"> los residentes 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>Como propietario de un negocio, es mejor asegurarse de que su organizaci\u00f3n est\u00e9 asegurada contra p\u00e9rdidas, desde el espacio de oficina hasta el equipo y otros activos f\u00edsicos. Con la propiedad, la carga y otros activos de su negocio incluidos en su p\u00f3liza de seguro, podr\u00eda evitar p\u00e9rdidas significativas en el futuro siempre que sus reclamos sean v\u00e1lidos. Sin embargo, la propiedad comercial... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/whats-covered-by-commercial-property-insurance\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;What Are the Main Things Commercial Property Insurance Covers?&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":3989,"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-3988","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 Does Basic Commercial Property Insurance Cover?<\/title>\n<meta name=\"description\" content=\"Commercial property insurance is a basic necessity for every business. Read on to learn about commercial property 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\/whats-covered-by-commercial-property-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Does Basic Commercial Property Insurance Cover?\" \/>\n<meta property=\"og:description\" content=\"Commercial property insurance is a basic necessity for every business. 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Read on to learn about commercial property 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\/whats-covered-by-commercial-property-insurance\/","og_locale":"es_ES","og_type":"article","og_title":"What Does Basic Commercial Property Insurance Cover?","og_description":"Commercial property insurance is a basic necessity for every business. 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