{"id":5031,"date":"2022-07-18T09:00:19","date_gmt":"2022-07-18T09:00:19","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=5031"},"modified":"2026-10-14T10:53:43","modified_gmt":"2026-10-14T10:53:43","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":"

According to a survey conducted by a leading insurance provider in 2010, nearly 95 percent of small business owners believed they were sufficiently protected against potential risks. However, only slightly more than half of those same businesses actually had coverage appropriate for their risks. Today, we’re going over what to consider as you determine how much to set aside in your budget for business insurance so you\u2019ll have the coverage you need.<\/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

As you figure out what you’ll need to set aside for business insurance, start with what’s required in your state and for your industry. Also, find out what may be required if you’re leasing a space for your business. In some cases, building owners require leaseholders to have general liability coverage<\/a><\/strong>. Workers\u2019 compensation insurance is also typically required in many states.<\/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

Lastly, consider other unique factors that could affect your rates, such as the size of your business and your history of filing claims. It’s typically recommended that you overestimate what you’ll need to budget for business insurance. One way to do this is with a commercial umbrella policy<\/a><\/strong> that combines several coverage options into one convenient\u2014and often more affordable\u2014policy. You may also be able to keep your business insurance rates in check by:<\/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":"

According to a survey conducted by a leading insurance provider in 2010, nearly 95 percent of small business owners believed they were sufficiently protected against potential risks. However, only slightly more than half of those same businesses actually had coverage appropriate for their risks. Today, we’re going over what to consider as you determine how … <\/p>\n

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