{"id":4274,"date":"2021-11-01T09:00:04","date_gmt":"2021-11-01T09:00:04","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=4274"},"modified":"2022-09-30T11:03:17","modified_gmt":"2022-09-30T11:03:17","slug":"how-business-insurance-deductibles-work","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/how-business-insurance-deductibles-work\/","title":{"rendered":"Comprensi\u00f3n de los deducibles para seguros comerciales"},"content":{"rendered":"

El seguro comercial es como otros tipos comunes de seguro en el sentido de que requiere que la compa\u00f1\u00eda asegurada o el titular de la p\u00f3liza sea responsable de ciertas partes de las p\u00e9rdidas antes de que la cobertura entre en vigencia y cubra el resto. Esto se llama el deducible. Si eres bastante nuevo <\/span>seguro comercial<\/span> tomador de la p\u00f3liza o buscando comprender mejor sus posibles obligaciones de desembolso, esto es lo que necesita saber sobre c\u00f3mo funcionan los deducibles de seguros comerciales.<\/span><\/p>\n

El prop\u00f3sito de los deducibles de seguros comerciales<\/h2>\n

El prop\u00f3sito general de <\/span>seguro comercial<\/span><\/a> deducibles es evitar que la compa\u00f1\u00eda de seguros tenga que pagar el monto total de cada p\u00e9rdida, especialmente las m\u00e1s peque\u00f1as. Sin embargo, en \u00faltima instancia, esto es bueno para los due\u00f1os de propiedades comerciales. Al tener que pagar una cierta cantidad usted mismo por las p\u00e9rdidas relacionadas con el negocio, sus tarifas pueden mantenerse a un nivel m\u00e1s razonable. Los deducibles tambi\u00e9n reducen la posibilidad de que sus tarifas aumenten debido a p\u00e9rdidas m\u00e1s peque\u00f1as que puede cubrir usted mismo.<\/span><\/p>\n

Presentaci\u00f3n de un reclamo comercial<\/h2>\n

Cuando presente un reclamo de seguro comercial, deber\u00e1 pagar la cantidad que necesitar\u00e1 para cubrirse antes de que la compa\u00f1\u00eda de seguros cubra el resto de los gastos. Es m\u00e1s com\u00fan que los titulares de p\u00f3lizas comerciales opten por deducibles m\u00e1s altos para mantener las tasas de seguro m\u00e1s bajas.<\/span><\/p>\n

C\u00e1lculo de Deducibles para P\u00f3lizas Comerciales<\/h2>\n

Los proveedores de seguros comerciales basan las tarifas en factores m\u00e1s espec\u00edficos del negocio, como la ubicaci\u00f3n y el valor de la propiedad. En cuanto a c\u00f3mo se calculan los deducibles de las p\u00f3lizas comerciales, existen dos opciones comunes: <\/span>
\n<\/span>
\n<\/span>\u2022 Deducible fijo<\/span>
\n<\/span>\u2022 Porcentaje deducible<\/span><\/p>\n

Deducible fijo<\/h2>\n

Un deducible directo o fijo es una cantidad espec\u00edfica que se aplica a cada tipo potencial de p\u00e9rdida cubierta por su p\u00f3liza comercial. Por lo general, esto tambi\u00e9n se aplica a cualquier cobertura adicional por la que haya optado. En este caso, la tarifa plana se resta de la p\u00e9rdida total y su proveedor de seguros paga lo que queda.<\/span>
\n<\/span>
\n<\/span>Cada tipo de cobertura tiene una tarifa plana que se aplica. Por ejemplo, supongamos que vandalizan su negocio y luego se produce un incendio. En este caso, habr\u00eda una tarifa plana para la cobertura de vandalismo y otra tarifa que se aplica a la cobertura de da\u00f1os por incendio.<\/span><\/p>\n

Deducible porcentual<\/h2>\n

Por lo general, se aplica un deducible porcentual a las p\u00e9rdidas catastr\u00f3ficas, que generalmente incluyen desastres naturales, como huracanes y terremotos. Por ejemplo, si un hurac\u00e1n da\u00f1a la propiedad de su negocio, el pago de su reclamo se basar\u00e1 en un cierto porcentaje de los costos totales asociados con el da\u00f1o. Este porcentaje generalmente se basa en el valor de la propiedad da\u00f1ada que estaba asegurada.<\/span>
\n<\/span>
\n<\/span>The specific percentage that applies is determined by the type of commercial coverage, the terms of the policy, and any applicable state laws. Whether or not a percentage deductible applies depends on the nature of the damage and how it’s classified. For instance, if the damage to your property was due to a severe windstorm, the deductible that applies would be based on the specific terms of the policy and not a percentage.<\/span><\/p>\n

Operar un negocio significa asumir ciertos tipos de riesgo, y el tipo de seguro comercial necesario, junto con los deducibles, a menudo var\u00edan seg\u00fan el tama\u00f1o de la empresa y el tipo de operaci\u00f3n. Para seguros comerciales asequibles y fiables, as\u00ed como para propietarios de viviendas, inquilinos, motocicletas y <\/span>seguro de auto National City<\/span><\/a>, 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":"

El seguro comercial es como otros tipos comunes de seguro en el sentido de que requiere que la compa\u00f1\u00eda asegurada o el titular de la p\u00f3liza sea responsable de ciertas partes de las p\u00e9rdidas antes de que la cobertura entre en vigencia y cubra el resto. Esto se llama el deducible. Si es un titular de p\u00f3liza de seguro comercial relativamente nuevo o busca comprender mejor su potencial... <\/p>\n

Continue reading “Understanding Deductibles for Commercial Insurance”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":4284,"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-4274","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-commercial-insurance"],"yoast_head":"\nHow Do Commercial Insurance Deductibles Work?<\/title>\n<meta name=\"description\" content=\"Commercial insurance is one of the basic necessities for every business. 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