{"id":4433,"date":"2022-01-24T09:00:04","date_gmt":"2022-01-24T09:00:04","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=4433"},"modified":"2026-10-06T07:55:20","modified_gmt":"2026-10-06T07:55:20","slug":"general-liability-insurance-for-small-businesses","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/general-liability-insurance-for-small-businesses\/","title":{"rendered":"\u00bfNecesito un seguro de responsabilidad civil general para mi peque\u00f1a empresa?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">El prop\u00f3sito de la cobertura de responsabilidad civil general es protegerlo de los altos costos asociados con las demandas que pueden involucrar a su empresa. Si bien no todas las peque\u00f1as empresas necesitan absolutamente este tipo de cobertura, hay razones para considerar obtenerla. Si no est\u00e1n seguros de lo que necesitan en t\u00e9rminos de <\/span><a href=\"https:\/\/altrainsurance.com\/business-insurance-san-diego\/\"><span style=\"font-weight: 400;\">seguro de negocios, San Diego<\/span><\/a><span style=\"font-weight: 400;\"> los due\u00f1os de negocios deben comunicarse con sus agentes de seguros para asegurarse de tener la cobertura necesaria para proteger sus intereses. Esto es lo que necesita saber sobre la cobertura de responsabilidad civil general y cu\u00e1ndo puede necesitarla.<\/span><\/p>\n<h2>Cu\u00e1ndo se necesita un seguro de responsabilidad civil general<\/h2>\n<p><span style=\"font-weight: 400;\">Hay cuatro escenarios b\u00e1sicos que podr\u00edan aplicarse a su peque\u00f1a empresa cuando probablemente necesite o se beneficie de un seguro de responsabilidad civil general. Estos son:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Si tiene una ubicaci\u00f3n comercial f\u00edsica abierta al p\u00fablico<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you work closely with customers and\/or clients regularly<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Si maneja regularmente la propiedad del cliente (por ejemplo, brinda servicio en las ubicaciones del cliente)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Si alquila o es due\u00f1o de una propiedad comercial<\/span><\/li>\n<\/ul>\n<h2>Seguro de responsabilidad civil general requerido por contrato<\/h2>\n<p><span style=\"font-weight: 400;\">It&#8217;s common for small businesses to rent commercial property for operations. This could include space for office work, manufacturing, or an assortment of other purposes. Many of the contracts involved with rental spaces for <strong><a href=\"https:\/\/altrainsurance.com\/insurance-facts-for-small-businesses\/\">small business owners<\/a><\/strong> include the requirement to have general liability insurance. If this applies to your business, you&#8217;ll need this type of coverage.<\/span><\/p>\n<h2>When General Liability Insurance Isn&#8217;t Required (but Still a Good Idea)<\/h2>\n<p><span style=\"font-weight: 400;\">Even if you&#8217;re not contractually obligated to have general liability coverage, it can still be a good idea to carry commercial general liability insurance, or CGL. This can be especially beneficial if you run a small business that involves regular client and customer interactions. This type of coverage protects against legal action involving:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Resbalones y ca\u00eddas y otros accidentes que pueden afectar a los clientes que van y vienen de su negocio<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Da\u00f1o a la propiedad<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Lesiones corporales sufridas por cualquier persona ajena a su negocio en relaci\u00f3n con sus operaciones comerciales <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Ciertos asuntos legales que involucran a sus competidores<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Lesiones relacionadas con la publicidad<\/span><\/p>\n<h2>C\u00f3mo se beneficia su peque\u00f1a empresa de la cobertura de responsabilidad civil general<\/h2>\n<p><span style=\"font-weight: 400;\">A CGL policy covers a broad range of legal expenses if your small business is sued. It&#8217;s important to note that this coverage applies to legal action specifically taken against your business and not you personally. It typically includes financial assistance with: <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Costos de abogados<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Sentencias ordenadas por los tribunales<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Gastos relacionados con liquidaciones<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Also, legal fees can deal a serious financial blow to a small business. One of the reasons is that smaller businesses typically operate with smaller profit margins and lack convenient access to in-house legal teams.<\/span><\/p>\n<h2>Posibles obligaciones legales y otras consideraciones<\/h2>\n<p><span style=\"font-weight: 400;\">Por lo general, no est\u00e1 legalmente obligado a tener un seguro de responsabilidad civil general simplemente porque es propietario y dirige una peque\u00f1a empresa. Sin embargo, algunos estados requieren este tipo de cobertura para ciertas industrias. Incluso si su estado no lo requiere, la cobertura de CGL a\u00fan puede ser requerida por propietarios de propiedades comerciales, compa\u00f1\u00edas hipotecarias o, en algunos casos, ciertos clientes.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Si alguna de estas circunstancias se aplica a usted como propietario de una peque\u00f1a empresa, deber\u00e1 presentar un certificado de seguro como prueba de cobertura. La cantidad que pagar\u00e1 por la cobertura de responsabilidad civil general depende de varios factores, entre ellos: <\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 La cantidad de cobertura que prefiere o necesita<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Factores de riesgo que se aplican a su negocio, nicho o industria<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Tu ubicaci\u00f3n<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 El tama\u00f1o real de su negocio y cu\u00e1ntos empleados tiene<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si es propietario de una peque\u00f1a empresa, aseg\u00farese de proteger su empresa comprando la cobertura de seguro adecuada. Para un seguro comercial asequible y confiable, as\u00ed como para propietarios de viviendas, inquilinos, motocicletas y <a href=\"https:\/\/altrainsurance.com\/auto-insurance-chula-vista\/\">auto insurance in chula vista<\/a>. Residents call on the trustworthy professionals at <\/span><span style=\"font-weight: 400;\">Altra Insurance<\/span><span style=\"font-weight: 400;\"> Servicios. 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>El prop\u00f3sito de la cobertura de responsabilidad civil general es protegerlo de los altos costos asociados con las demandas que pueden involucrar a su negocio. Si bien no todas las peque\u00f1as empresas necesitan absolutamente este tipo de cobertura, hay razones para considerar obtenerla. Si no est\u00e1n seguros de lo que necesitan en t\u00e9rminos de seguros comerciales, San... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/general-liability-insurance-for-small-businesses\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Do I Need General Liability Insurance for My Small Business?&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":4434,"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-4433","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 v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Do Small Businesses Need General Liability Coverage?<\/title>\n<meta name=\"description\" content=\"It&#039;s essential for small business owners to know which types of insurance they need. 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