{"id":4527,"date":"2022-03-11T09:00:43","date_gmt":"2022-03-11T09:00:43","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=4527"},"modified":"2022-08-12T13:19:02","modified_gmt":"2022-08-12T13:19:02","slug":"negligence-and-commercial-general-liability-coverage","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/negligence-and-commercial-general-liability-coverage\/","title":{"rendered":"\u00bfLa negligencia est\u00e1 cubierta por una p\u00f3liza de responsabilidad comercial general?"},"content":{"rendered":"

Una p\u00f3liza de responsabilidad general comercial (CGL, por sus siglas en ingl\u00e9s) est\u00e1 destinada a brindar protecci\u00f3n contra p\u00e9rdidas financieras que involucren da\u00f1os personales o a la propiedad. Con negligencia, las p\u00f3lizas de CGL cubren lo que se conoce como actos negligentes \"no profesionales\". A continuaci\u00f3n, nos tomamos un momento para explicar lo que esto significa para que pueda tener una mejor idea de c\u00f3mo administrar sus necesidades de cobertura.\u00a0<\/span><\/p>\n

Lo que cubre una p\u00f3liza de responsabilidad general comercial<\/h2>\n

Una p\u00f3liza de responsabilidad general comercial est\u00e1ndar generalmente cubre sus gastos legales y m\u00e9dicos aplicables relacionados con da\u00f1os si se le considera responsable de ciertos tipos de lesiones o accidentes. Esta cobertura est\u00e1 limitada a los l\u00edmites espec\u00edficos de su p\u00f3liza y, por lo general, no cubre nada que exceda sus l\u00edmites. Si estar\u00e1 o no protegido financieramente con este tipo de p\u00f3liza tambi\u00e9n depende de la naturaleza de la negligencia.<\/span><\/p>\n

Responsabilidad por lesiones corporales\/da\u00f1os a la propiedad<\/h2>\n

Esta es la parte de una p\u00f3liza de CGL que se aplica a p\u00e9rdidas relacionadas con responsabilidades legales por lesiones corporales y\/o da\u00f1os a la propiedad. Como se mencion\u00f3 anteriormente, esto se aplica a los actos negligentes no profesionales. Dichos actos deben estar relacionados con sus instalaciones u operaciones comerciales, lo que significa que el acto negligente debe haber ocurrido en su propiedad comercial.<\/span><\/p>\n

Definici\u00f3n de actos negligentes no profesionales<\/h2>\n

Un acto negligente no profesional es un tipo de negligencia no relacionada con los servicios profesionales que afecta a un tercero que no est\u00e1 en su n\u00f3mina. Por ejemplo, usted estar\u00eda cubierto si lo demandara un cliente que se quem\u00f3 con una taza de t\u00e9 o caf\u00e9 caliente que se hizo demasiado caliente para manipularla con seguridad. Esto tambi\u00e9n se aplica a situaciones que involucran: <\/span>
\n<\/span>
\n<\/span>\u2022 Clientes que resbalan y caen en su propiedad<\/span>
\n<\/span>\u2022 Clientes o clientes lesionados en sus instalaciones debido a alg\u00fan tipo de negligencia<\/span>
\n<\/span>\u2022 Lesiones mentales y angustia emocional relacionadas con las lesiones de los clientes<\/span>
\n<\/span>
\n<\/span>Si un empleado de su departamento de contabilidad comete un error en los c\u00e1lculos que termina cost\u00e1ndole a su empresa miles de d\u00f3lares, esto se considerar\u00eda negligencia profesional. En este caso, el impacto financiero resultante no estar\u00eda cubierto por una p\u00f3liza est\u00e1ndar de CGL.<\/span><\/p>\n

Exclusiones de responsabilidad comercial general<\/h2>\n

Una p\u00f3liza de CGL tiene algunas exclusiones. El m\u00e1s notable es la negligencia que afecta a sus propios empleados mientras realizan tareas relacionadas con el trabajo. Por lo tanto, siguiendo con el ejemplo anterior del caf\u00e9 o el t\u00e9, si un empleado suyo se quemara al manipular la misma bebida excesivamente caliente, la cobertura de responsabilidad general comercial no se aplicar\u00eda. En este caso, necesitar\u00eda una cobertura de compensaci\u00f3n para trabajadores por separado para problemas de negligencia profesional de esta naturaleza. Otras exclusiones comunes de la p\u00f3liza de CGL incluyen:<\/span>
\n<\/span>
\n<\/span>\u2022 Criminal acts<\/span>
\n<\/span>\u2022 Intentional damage or injury<\/span>
\n<\/span>\u2022 Anything that can be considered professional negligence<\/span><\/p>\n

Si no est\u00e1n seguros de lo que cubre su <\/span>Seguro de negocios en San Diego.<\/span><\/a> Business owners should contact their insurance agents to make sure they have the coverage necessary to protect their interests.<\/span><\/p>\n

Completar su cobertura para cubrir las brechas y minimizar los riesgos financieros<\/h2>\n

A commercial general liability policy alone may not cover all your business-related insurance needs. In fact, this is the case for most businesses. This is why it’s important to round out your coverage with workers’ comp and other types of liability coverage appropriate for your needs and potential risks.\u00a0<\/span><\/p>\n

Si es propietario de un negocio, aseg\u00farese de proteger su negocio comprando la cobertura de seguro adecuada. Para un seguro comercial asequible y confiable, as\u00ed como para propietarios de viviendas, inquilinos, motocicletas y <\/span>seguro de auto National City<\/a>. Los residentes pueden confiar en los profesionales de confianza de Altra insurance. 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":"

Una p\u00f3liza de responsabilidad general comercial (CGL, por sus siglas en ingl\u00e9s) est\u00e1 destinada a brindar protecci\u00f3n contra p\u00e9rdidas financieras que involucren da\u00f1os personales o a la propiedad. Con negligencia, las p\u00f3lizas de CGL cubren lo que se conoce como actos negligentes \"no profesionales\". A continuaci\u00f3n, nos tomamos un momento para explicar lo que esto significa para que pueda tener una mejor idea de c\u00f3mo administrar sus necesidades de cobertura. \u2026 <\/p>\n

Continue reading “Is Negligence Covered by a Commercial General Liability Policy?”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":4528,"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-4527","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-commercial-insurance"],"yoast_head":"\nDoes Commercial General Liability Insurance Cover Negligence?<\/title>\n<meta name=\"description\" content=\"Business owners should know which types of insurance they need and what each type covers. 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