{"id":4143,"date":"2021-09-20T09:00:06","date_gmt":"2021-09-20T09:00:06","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=4143"},"modified":"2022-08-10T11:20:44","modified_gmt":"2022-08-10T11:20:44","slug":"who-pays-for-building-insurance-for-commercial-property","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/who-pays-for-building-insurance-for-commercial-property\/","title":{"rendered":"\u00bfDe qui\u00e9n es la responsabilidad de comprar un seguro de propiedad comercial?"},"content":{"rendered":"

Los due\u00f1os de propiedades comerciales y due\u00f1os de negocios, que no siempre son lo mismo, necesitan cierto grado de seguro para estar mejor preparados para eventos inesperados. Si est\u00e1 en el proceso de sopesar sus opciones con un seguro de propiedad para un edificio o espacio comercial, es posible que tenga preguntas sobre qui\u00e9n es responsable de este tipo de cobertura. Esto es lo que necesita saber cuando se trata de tomar esta determinaci\u00f3n.<\/span><\/p>\n

Propietarios de edificios que act\u00faan como propietarias \/ operadoras<\/h2>\n

Si una empresa posee y opera una propiedad comercial completa, como en el caso de una planta de fabricaci\u00f3n o una sede corporativa, el propietario de esa empresa suele ser responsable del seguro. Una p\u00f3liza para toda una estructura comercial generalmente cubre todos los activos f\u00edsicos. Dicha protecci\u00f3n generalmente se extiende a:<\/span>
\n<\/span>
\n<\/span>\u2022 Incendios y explosiones<\/span>
\n<\/span>\u2022 Robo y vandalismo<\/span>
\n<\/span>\u2022 Da\u00f1os por rotura de tuber\u00edas y problemas de plomer\u00eda similares<\/span>
\n<\/span>\u2022 Da\u00f1os relacionados con tormentas<\/span>
\n<\/span>\u2022 Da\u00f1os derivados de desastres naturales<\/span><\/p>\n

Arrendatarios arrendatarios<\/h2>\n

Es com\u00fan que las empresas solo alquilen ciertas partes de una propiedad comercial, como puede ser el caso de un complejo de oficinas comerciales que alberga diferentes negocios. Con situaciones como esta, a menudo son los inquilinos quienes pagan el seguro de propiedad comercial. Cuando este sea el caso, cada inquilino ser\u00eda responsable de <\/span>seguro de negocio<\/span><\/a> as\u00ed como un seguro de propiedad espec\u00edfico para su parte del edificio. El seguro de propiedad relacionado con un determinado espacio comercial a menudo cubre: <\/span>
\n<\/span>
\n<\/span>\u2022 Accesorios y paredes estructurales dentro del \u00e1rea del inquilino<\/span>
\n<\/span>\u2022 El inventario de la empresa que se encuentra en el espacio arrendado<\/span>
\n<\/span>\u2022 Mobiliario y otros activos relacionados con el negocio, como equipos inform\u00e1ticos, dentro del espacio arrendado<\/span>
\n<\/span>
\n<\/span>Si compra un seguro de propiedad comercial como inquilino para una parte espec\u00edfica del edificio, no se aplica a toda la estructura. En este caso, el due\u00f1o de la propiedad ser\u00eda responsable del edificio en su totalidad. La cobertura para el propietario del edificio generalmente se aplica a cualquier inversi\u00f3n que el propietario haya hecho en el edificio. Por ejemplo, esta lista podr\u00eda incluir el techo de todo el edificio junto con el equipo que compr\u00f3 el propietario y las \u00e1reas circundantes que forman parte de la propiedad (por ejemplo, \u00e1reas ajardinadas, estacionamientos, etc.).<\/span>
\n<\/span>
\n<\/span>El seguro para una propiedad comercial comprada por el propietario generalmente no protege a los inquilinos. En otras palabras, si se produce un da\u00f1o en su espacio alquilado, es probable que usted sea responsable de ello. Esta es la raz\u00f3n por la que se alienta a los inquilinos a obtener un seguro de propiedad comercial por separado.<\/span><\/p>\n

Prepar\u00e1ndose para mudarse a una propiedad comercial<\/h2>\n

Si tiene planes de mudarse a una estructura comercial que no es de su propiedad, hable con el propietario sobre el seguro mientras considera sus propias opciones de seguro. Si lo hace, tendr\u00e1 la oportunidad de obtener m\u00e1s informaci\u00f3n sobre el tipo de cobertura que el propietario ya tiene para la propiedad. Re\u00fana informaci\u00f3n relacionada con seguros espec\u00edfica para: <\/span>
\n<\/span>
\n<\/span>\u2022 Qu\u00e9 cubre la p\u00f3liza del propietario y qu\u00e9 no<\/span>
\n<\/span>\u2022 Si la cobertura del propietario se ha actualizado o no para reflejar cualquier cambio en la propiedad<\/span>
\n<\/span>\u2022 A qu\u00e9 \u00e1reas del edificio se aplica su contrato de arrendamiento<\/span>
\n<\/span>
\n<\/span>Por \u00faltimo, puede ser \u00fatil solicitar una copia de la p\u00f3liza de seguro del propietario. Esto puede resultar \u00fatil si el da\u00f1o a la propiedad se extiende desde su parte de la propiedad a otras partes.<\/span><\/p>\n

Es vital proteger su negocio de los peligros, y el seguro 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>Altra Insurance<\/span> Servicios de asesoramiento acertado basados \u200b\u200ben a\u00f1os de experiencia en el sector asegurador. Tambi\u00e9n ofrecemos a propietarios, inquilinos y <\/span>seguro de auto Ciudad Nacional<\/span><\/a> 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":"

Los due\u00f1os de propiedades comerciales y due\u00f1os de negocios, que no siempre son lo mismo, necesitan cierto grado de seguro para estar mejor preparados para eventos inesperados. Si est\u00e1 en el proceso de sopesar sus opciones con un seguro de propiedad para un edificio o espacio comercial, es posible que tenga preguntas sobre qui\u00e9n es responsable de este tipo de cobertura. Esto es lo que... <\/p>\n

Continue reading “Whose Responsibility Is It to Buy Commercial Property Insurance?”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":4144,"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-4143","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-commercial-insurance"],"yoast_head":"\nWho Is Responsible for Commercial Property Insurance?<\/title>\n<meta name=\"description\" content=\"If your business is located in a structure you don't own, you should educate yourself about commercial property insurance and who's responsible for it.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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