{"id":5031,"date":"2022-07-18T09:00:19","date_gmt":"2022-07-18T09:00:19","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=5031"},"modified":"2023-01-05T11:12:30","modified_gmt":"2023-01-05T11:12:30","slug":"how-much-will-business-insurance-cost-me","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/how-much-will-business-insurance-cost-me\/","title":{"rendered":"\u00bfQu\u00e9 cantidad debe planear gastar en un seguro comercial?"},"content":{"rendered":"

Seg\u00fan una encuesta realizada por un proveedor de seguros l\u00edder en 2010, casi el 95 por ciento de los propietarios de peque\u00f1as empresas cre\u00edan que estaban suficientemente protegidos contra los riesgos potenciales. Sin embargo, solo un poco de la mitad de esos mismos negocios en realidad ten\u00edan una cobertura adecuada para sus riesgos. Hoy, repasaremos lo que debe considerar al determinar cu\u00e1nto reservar en su presupuesto para el seguro comercial para que tenga la cobertura que necesita.<\/p>\n

Sepa lo que generalmente se requiere o recomienda<\/b><\/p>\n

Para prop\u00f3sitos de presupuesto, Inc.<\/i> se\u00f1ala que la recomendaci\u00f3n general para las empresas es entre el 20 y el 30 por ciento de las ventas brutas totales proyectadas. Tenga en cuenta que los tipos espec\u00edficos de seguros comerciales requeridos o recomendados generalmente incluyen:<\/p>\n

\u2022 Seguro de responsabilidad profesional para protecci\u00f3n contra negligencia
\n\u2022 Seguro de propiedad si la propiedad comercial es propia o est\u00e1 arrendada
\n\u2022 Seguro de compensaci\u00f3n de trabajadores
\n\u2022 Seguro de responsabilidad del producto si vende o fabrica productos
\n\u2022 Seguro de veh\u00edculos si tiene veh\u00edculos utilizados para su negocio
\n\u2022 Seguro de interrupci\u00f3n comercial en caso de que su negocio se interrumpa debido a un evento catastr\u00f3fico<\/p>\n

Comience con lo que se requiere<\/h2>\n

A medida que descubras lo que necesitar\u00e1s reservar para seguro de negocio<\/a>, comience con lo que se requiere en su estado y para su industria. Adem\u00e1s, averig\u00fce lo que puede ser necesario si est\u00e1 alquilando un espacio para su negocio. En algunos casos, los propietarios de edificios requieren que los arrendatarios tengan una cobertura de responsabilidad civil general. El seguro de compensaci\u00f3n para trabajadores tambi\u00e9n se requiere t\u00edpicamente en muchos estados.<\/p>\n

Eval\u00fae los riesgos espec\u00edficos de su empresa<\/h2>\n

Evaluate any risks that could apply to your business. For example, there’s going to be less risk involved for an accounting firm than what’s common for a restaurant or larger manufacturing plant. Risks are also likely to be higher if your business is open to the public or related processes are inherently risky.<\/p>\n

Determine What You Can Afford to Pay Yourself<\/h2>\n

Obtenga una idea de qu\u00e9 tipo de costos puede absorber de manera realista. Es por eso que no es una buena idea ir simplemente con la opci\u00f3n m\u00e1s barata. El problema potencial aqu\u00ed es tener que absorber m\u00e1s costos por su cuenta antes de que la p\u00f3liza entre en vigor o solo obtener una cobertura limitada. Ser\u00e1 mucho mejor que obtenga la cobertura total que necesita de una manera que no lo deje con la posibilidad de verse abrumado financieramente.<\/p>\n

Considere factores adicionales<\/h2>\n

Por \u00faltimo, considere otros factores \u00fanicos que podr\u00edan afectar sus tarifas, como el tama\u00f1o de su empresa y su historial de presentaci\u00f3n de reclamaciones. Por lo general, se recomienda que sobreestime lo que necesitar\u00e1 presupuestar para el seguro comercial. Una forma de hacerlo es con una p\u00f3liza general comercial que combina varias opciones de cobertura en una p\u00f3liza conveniente y, a menudo, m\u00e1s asequible. Tambi\u00e9n puede mantener bajo control las tarifas de su seguro comercial al:<\/p>\n

\u2022 Ser consciente de la seguridad en el lugar de trabajo
\n\u2022 Vigilar los registros de manejo de los empleados si los veh\u00edculos comerciales estar\u00e1n cubiertos
\n\u2022 Tomar medidas preventivas para mantener seguras las \u00e1reas accesibles a los clientes\/clientes<\/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 confiables, as\u00ed como para propietarios de viviendas, inquilinos, motocicletas y seguro de auto en Chula Vista<\/a>. Their residents should call on the trustworthy professionals at Altra Insurance Services. Reach out to us today at (619) 404-6311 to learn how we can satisfy all your insurance needs.<\/p>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

Seg\u00fan una encuesta realizada por un proveedor de seguros l\u00edder en 2010, casi el 95 por ciento de los propietarios de peque\u00f1as empresas cre\u00edan que estaban suficientemente protegidos contra los riesgos potenciales. Sin embargo, solo un poco de la mitad de esos mismos negocios en realidad ten\u00edan una cobertura adecuada para sus riesgos. Hoy, vamos a repasar qu\u00e9 considerar al determinar cu\u00e1nto... <\/p>\n

Continue reading “What Amount Should You Plan to Spend for Business Insurance?”<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":5032,"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-5031","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-commercial-insurance"],"yoast_head":"\nHow Much Should I Budget for Business Insurance?<\/title>\n<meta name=\"description\" content=\"Businesses need insurance to cover their property, customers, and employees. 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