{"id":4773,"date":"2022-05-13T09:00:34","date_gmt":"2022-05-13T09:00:34","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=4773"},"modified":"2022-09-30T11:10:20","modified_gmt":"2022-09-30T11:10:20","slug":"why-is-commercial-insurance-so-expensive","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/why-is-commercial-insurance-so-expensive\/","title":{"rendered":"Razones por las que el seguro comercial es caro"},"content":{"rendered":"

El seguro comercial, en general, tiende a ser m\u00e1s una inversi\u00f3n que otros tipos de seguro. Aun as\u00ed, es posible que haya notado un aumento en las tasas en comparaci\u00f3n con el promedio de hace apenas un a\u00f1o. Una combinaci\u00f3n de factores \u00fanicos y perennes, que siempre se aplican, en \u00faltima instancia, juegan un papel en lo que es com\u00fan con las tarifas de seguros comerciales. Echamos un vistazo m\u00e1s de cerca a este tema a continuaci\u00f3n y ofrecemos consejos sobre lo que puede hacer para mantener los costos bajo control.<\/span><\/p>\n

Escasez de la cadena de suministro y costos generalmente m\u00e1s altos<\/h2>\n

En cuanto a por qu\u00e9 su <\/span>seguro comercial<\/span><\/a> las tarifas pueden ser m\u00e1s altas ahora que lo que pag\u00f3 en esta \u00e9poca el a\u00f1o pasado o el a\u00f1o anterior, la raz\u00f3n es en gran parte problemas con las cadenas de suministro junto con costos generales m\u00e1s altos. Adem\u00e1s, a menudo lleva m\u00e1s tiempo reemplazar las cosas que pueden da\u00f1arse en un negocio.<\/span>
\n<\/span>
\n<\/span>Por ejemplo, las ventanas se encuentran entre los art\u00edculos que escasean en este momento. Si las ventanas de su negocio est\u00e1n da\u00f1adas, es probable que tome un tiempo obtener otras nuevas, y la escasez tambi\u00e9n significa que pagar\u00e1 m\u00e1s por esas ventanas. A su vez, esto se traduce en mayores costos generales de reemplazo. Si los art\u00edculos y materiales cubiertos por su p\u00f3liza comercial son generalmente m\u00e1s caros de obtener ahora, es m\u00e1s probable que este hecho se refleje en sus tarifas.<\/span><\/p>\n

Ubicaci\u00f3n<\/h2>\n

Hay algunos factores m\u00e1s perennes que pueden afectar las tasas de seguros comerciales en cualquier momento. Uno de ellos es la ubicaci\u00f3n de un negocio. Por lo general, las empresas en \u00e1reas urbanas m\u00e1s pobladas tienen costos de seguros comerciales m\u00e1s altos. Es m\u00e1s probable que este sea el caso en \u00e1reas con mayores riesgos, como tasas de delincuencia m\u00e1s altas. Parte de la raz\u00f3n por la cual las tarifas suben en esos lugares es porque las compa\u00f1\u00edas de seguros prefieren minimizar los riesgos. Por lo tanto, si es m\u00e1s probable que una empresa sufra da\u00f1os o p\u00e9rdidas importantes, las tarifas reflejar\u00e1n este hecho.<\/span><\/p>\n

Riesgos de la industria y otros factores<\/h2>\n

Los riesgos relacionados con la naturaleza de su negocio tambi\u00e9n juegan un papel en los costos de los seguros comerciales. Si su negocio cae en lo que se considera una categor\u00eda m\u00e1s riesgosa, es probable que tenga tasas m\u00e1s altas. Para fines de seguros, las industrias de mayor riesgo generalmente incluyen:<\/span>
\n<\/span>
\n<\/span>\u2022 La agricultura, la silvicultura y la pesca<\/span>
\n<\/span>\u2022 Todo lo relacionado con el transporte<\/span>
\n<\/span>\u2022 Construcci\u00f3n y fabricaci\u00f3n<\/span>
\n<\/span>\u2022 Industrias y trabajos el\u00e9ctricos<\/span>
\n<\/span>
\n<\/span>Adem\u00e1s de la ubicaci\u00f3n y el riesgo de la industria, algunos otros factores podr\u00edan hacer que los costos de su seguro comercial sean m\u00e1s altos que el promedio. \u00c9stos incluyen:<\/span>
\n<\/span>
\n<\/span>\u2022 Cu\u00e1nta cobertura necesita<\/span>
\n<\/span>\u2022 The overall size and scope of your business<\/span>
\n<\/span>\u2022 Whether or not you need or want to add coverage that’s not required<\/span><\/p>\n

Lowering Your Commercial Insurance Rates<\/h2>\n

One option is to bundle your coverage, so ask about package options. For instance, a business owner\u2019s policy is often packaged with general liability and commercial property coverage. Additionally, it’s often possible to add other types of coverage into the mix, which may further enhance your savings. Other ways to keep commercial insurance costs in check include: <\/span>
\n<\/span>
\n<\/span>\u2022 Pagar sus primas por adelantado<\/span>
\n<\/span>\u2022 Eliminar o consolidar coberturas superpuestas o innecesarias<\/span>
\n<\/span>\u2022 Aumentar su deducible<\/span>
\n<\/span>\u2022 Tomar medidas de manera proactiva para mitigar los riesgos asociados con su negocio (p. ej., instalar c\u00e1maras de seguridad de alta tecnolog\u00eda)<\/span><\/p>\n

Los due\u00f1os de negocios deben asegurarse de proteger a sus empresas y empleados comprando la cobertura de seguro adecuada. Para seguros comerciales asequibles y fiables, as\u00ed como para propietarios de viviendas, inquilinos, motocicletas y\u00a0<\/span>seguro de auto San Diego<\/span><\/a>\u00a0los residentes deben acudir a los profesionales de confianza de <\/span>Servicios de seguros Altra<\/span><\/a> . Comun\u00edquese con nosotros hoy en\u00a0<\/span><\/p>\n

(800) 719-9972 para saber c\u00f3mo podemos satisfacer todas sus necesidades de seguro.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

El seguro comercial, en general, tiende a ser m\u00e1s una inversi\u00f3n que otros tipos de seguro. Aun as\u00ed, es posible que haya notado un aumento en las tasas en comparaci\u00f3n con el promedio de hace apenas un a\u00f1o. Una combinaci\u00f3n de factores \u00fanicos y perennes, que siempre se aplican, en \u00faltima instancia, juegan un papel en lo que es com\u00fan con... <\/p>\n

Continue reading “Reasons Commercial Insurance Is Expensive”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":4780,"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-4773","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-commercial-insurance"],"yoast_head":"\nWhy Does Commercial Insurance Cost So Much?<\/title>\n<meta name=\"description\" content=\"Businesses need insurance to protect their property, customers, and employees, but it can be costly. 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