{"id":4334,"date":"2021-11-26T09:00:17","date_gmt":"2021-11-26T09:00:17","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=4334"},"modified":"2022-08-04T11:55:15","modified_gmt":"2022-08-04T11:55:15","slug":"is-business-insurance-different-from-commercial-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/is-business-insurance-different-from-commercial-insurance\/","title":{"rendered":"\u00bfSon lo mismo los seguros comerciales y de negocios?"},"content":{"rendered":"

Ser due\u00f1o de un negocio por primera vez implica una curva de aprendizaje. Dependiendo de la industria en la que se encuentre su negocio, es posible que deba preocuparse por si tiene o no las licencias adecuadas para operar. Todos los due\u00f1os de negocios tambi\u00e9n deben asegurarse de tener la cobertura de seguro adecuada para mantener su seguridad financiera en caso de un evento imprevisto. Preguntar si existe o no una diferencia entre el seguro comercial y el comercial es una buena se\u00f1al de que est\u00e1 manejando todas las inquietudes de su empresa de manera adecuada, y puede usar esta gu\u00eda para identificar qu\u00e9 tipos de cobertura necesita.<\/p>\n

Comprenda c\u00f3mo las compa\u00f1\u00edas de seguros usan los t\u00e9rminos<\/h2>\n

En su mayor parte, encontrar\u00e1 que las compa\u00f1\u00edas de seguros a menudo usan los t\u00e9rminos \"seguro comercial\" y \"seguro de negocio<\/a>\u201d indistintamente. El uso de cualquiera de las frases generalmente no tiene nada que ver con el tipo de negocio que maneja o su tama\u00f1o. Sin embargo, el uso de palabras espec\u00edficas a veces puede describir peque\u00f1as diferencias cuando se trata de cobertura de seguro de autom\u00f3vil.<\/p>\n

Aprenda c\u00f3mo funcionan los seguros de autom\u00f3viles comerciales y comerciales<\/h2>\n

Con la cobertura de seguro de autom\u00f3vil, la compa\u00f1\u00eda de seguros puede usar el t\u00e9rmino \"uso comercial\" para describir el uso del veh\u00edculo para actividades que se requieren durante el curso normal de la actividad comercial. Por ejemplo, su p\u00f3liza puede indicar que su veh\u00edculo se usa con fines comerciales si un vendedor lo conduce regularmente a las citas de campo. Un veh\u00edculo que usted o su empleado utilicen para encontrarse con clientes en un lugar diferente tambi\u00e9n podr\u00eda entrar en esta categor\u00eda.<\/p>\n

El \u201cuso comercial\u201d por lo general se refiere al uso de un autom\u00f3vil o cami\u00f3n para transportar bienes o prestar servicios. Un ejemplo de esto ser\u00eda un trabajador de la construcci\u00f3n que usa su cami\u00f3n para llevar herramientas u otros equipos al lugar de trabajo. Los repartidores tambi\u00e9n suelen tener veh\u00edculos que entran en la categor\u00eda de uso comercial.<\/p>\n

Conozca la diferencia entre propiedad comercial y seguro de responsabilidad comercial<\/h2>\n

Tambi\u00e9n encontrar\u00e1 estos dos tipos diferentes de seguro. El seguro de propiedad comercial cubre los activos f\u00edsicos de una empresa. Esto puede incluir el edificio en el que opera su empresa junto con el equipo y el inventario. Querr\u00e1 que este seguro cubra las p\u00e9rdidas que pueda experimentar despu\u00e9s de un incendio o robo. El seguro de responsabilidad comercial cubre los da\u00f1os que ocurren debido a cosas que suceden en conjunto con las operaciones de su empresa, como las lesiones que ocurren como resultado de un accidente.<\/p>\n

Pregunte sobre cualquier informaci\u00f3n de la p\u00f3liza que no comprenda completamente<\/h2>\n

Incluso cuando comprende la terminolog\u00eda, averiguar qu\u00e9 tipos de seguros necesita su empresa puede resultar confuso. Cada empresa tiene riesgos e inquietudes \u00fanicos que dificultan la creaci\u00f3n de una p\u00f3liza \u00fanica para todos. Lo \u00fanico que puede saber con certeza es que no quiere quedarse sin un tipo importante de cobertura si ocurre un imprevisto. Hablar con un agente de seguros comercial es la mejor manera de asegurarse de que su empresa est\u00e9 totalmente cubierta si ocurriera lo peor.<\/p>\n

Para seguros comerciales asequibles y fiables, as\u00ed como para propietarios de viviendas, inquilinos, motocicletas y seguro de auto National City<\/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.<\/p>","protected":false},"excerpt":{"rendered":"

Ser due\u00f1o de un negocio por primera vez implica una curva de aprendizaje. Dependiendo de la industria en la que se encuentre su negocio, es posible que deba preocuparse por si tiene o no las licencias adecuadas para operar. Todos los due\u00f1os de negocios tambi\u00e9n deben asegurarse de tener la cobertura de seguro adecuada para mantener su seguridad financiera en el caso... <\/p>\n

Continue reading “Are Business & Commercial Insurance the Same Thing?”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":4335,"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-4334","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-commercial-insurance"],"yoast_head":"\nIs There a Difference between Commercial & Business Insurance?<\/title>\n<meta name=\"description\" content=\"In general terms, business and commercial insurance are the same thing. 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