{"id":455,"date":"2018-12-14T09:00:01","date_gmt":"2018-12-14T09:00:01","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=455"},"modified":"2022-09-30T10:14:37","modified_gmt":"2022-09-30T10:14:37","slug":"why-do-businesses-need-commercial-insurance","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/why-do-businesses-need-commercial-insurance\/","title":{"rendered":"\u00bfQu\u00e9 tipos de seguro necesita un negocio?"},"content":{"rendered":"

En el siglo XXI, los due\u00f1os de negocios estadounidenses operan en el mercado global m\u00e1s competitivo y din\u00e1mico de la historia. En 2017, el Banco Mundial estim\u00f3 que el tama\u00f1o del producto mundial bruto ser\u00eda de alrededor de $74 billones, y muchos economistas creen que esta es una estimaci\u00f3n muy conservadora. El mundo entero es un mercado lucrativo, y California es su octava econom\u00eda m\u00e1s grande. Sin embargo, operar un negocio en estos d\u00edas conlleva ciertos riesgos que no se pueden ignorar.\u00a0<\/span>
\n<\/span>
\n<\/span>El seguro comercial es un aspecto del negocio que los propietarios de empresas y los profesionales aut\u00f3nomos en California consideran uno de los muchos requisitos de cumplimiento, una molestia, en muchos casos. La realidad de este aspecto va m\u00e1s all\u00e1 del cumplimiento, y aqu\u00ed hay seis razones sobre seguro comercial San Diego<\/a> Los due\u00f1os de negocios deber\u00edan considerar este factor comercial de una manera diferente.<\/span><\/p>\n

1. La sociedad litigiosa no conoce l\u00edmites<\/h2>\n

Un accidente, un empleado infeliz, un producto defectuoso, un accidente competitivo: estos son ejemplos de situaciones que podr\u00edan acabar con una empresa que no est\u00e1 protegida por un seguro comercial. Si bien una demanda podr\u00eda resolverse a favor del propietario de una empresa demandada, los costos legales incurridos y la p\u00e9rdida de ingresos podr\u00edan sellar f\u00e1cilmente el destino de una compa\u00f1\u00eda no asegurada.<\/span><\/p>\n

2. Los contratos pueden depender del seguro comercial<\/h2>\n

Similar to a mortgage lender that makes <\/span>Seguro para propietarios de casas<\/span><\/a> a requirement prior to closing, a client or partner who wishes to do business with a company may also require a certain amount of commercial insurance coverage before coming to an agreement. Freelancers who complain about the difficulties they face getting lucrative contracts seldom think about the importance of getting commercial insurance policies.<\/span><\/p>\n

3. Los propietarios de negocios pueden exigirlo<\/h2>\n

Cuando comience a buscar un espacio de oficina, es probable que su futuro arrendador solicite un comprobante de seguro comercial. Puede tomar un descanso si alquila un espacio de trabajo compartido, pero nunca si tiene la intenci\u00f3n de alquilar un espacio para establecer una tienda minorista o industrial.<\/span><\/p>\n

4. En muchos casos, es un requisito legal<\/h2>\n

Los reguladores profesionales y las oficinas municipales de California a menudo requieren un seguro comercial antes de emitir una licencia o permiso de operaci\u00f3n. Este requisito es parte de las reglas adoptadas de las directivas legales. Muy pocos due\u00f1os de negocios en el Estado Dorado pueden operar legalmente sin un certificado de seguro comercial.<\/span><\/p>\n

5. Los riesgos inherentes no siempre se pueden evitar<\/h2>\n

Los accidentes por resbalones y ca\u00eddas generalmente se mencionan cada vez que se discute el seguro comercial, pero hay muchas otras situaciones adversas que los due\u00f1os de negocios ni siquiera pueden imaginar que sucedan. Una cafetera que se deja encendida accidentalmente durante la noche puede incendiar un establecimiento, puede estrellar el veh\u00edculo de su empresa en un cami\u00f3n de FedEx, un empleado descontento puede demandarlo despu\u00e9s de ser despedido o uno de sus gerentes puede experimentar un paro card\u00edaco en la oficina debido a una carga de trabajo excesiva .<\/span><\/p>\n

6. El seguro puede mantener un negocio en funcionamiento<\/h2>\n

No todas las p\u00e9rdidas comerciales tienen que ser catastr\u00f3ficas. En algunos casos, las p\u00e9rdidas temporales pueden compensarse con ciertas disposiciones del seguro comercial. Por ejemplo, el due\u00f1o de una tienda puede hacer la n\u00f3mina despu\u00e9s de un incendio y evitar el cierre comercial permanente si su p\u00f3liza tiene una cobertura adecuada.<\/span><\/p>\n

Owning a business means assuming certain kinds of risk, but operating without commercial insurance shouldn\u2019t be among them. The reasons listed above are just a few of the factors that make commercial insurance an absolute necessity for every business. For reliable, affordable car insurance National City<\/a> as well as homeowners, renters, motorcycle, and <\/span>seguro de auto San Diego<\/span><\/a>. Local residents can reach out to the experienced professionals from Altra Insurance Services. Call us today at (800) 719-9972 to find out how we can meet all your insurance needs.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

En el siglo XXI, los due\u00f1os de negocios estadounidenses operan en el mercado global m\u00e1s competitivo y din\u00e1mico de la historia. En 2017, el Banco Mundial estim\u00f3 que el tama\u00f1o del producto mundial bruto ser\u00eda de alrededor de $74 billones, y muchos economistas creen que esta es una estimaci\u00f3n muy conservadora. El mundo entero es un mercado lucrativo, y ... <\/p>\n

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