{"id":570,"date":"2019-01-28T09:00:02","date_gmt":"2019-01-28T09:00:02","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=570"},"modified":"2022-09-14T09:32:01","modified_gmt":"2022-09-14T09:32:01","slug":"commercial-insurance-types","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/commercial-insurance-types\/","title":{"rendered":"Tipos comunes de seguro comercial"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Los diversos riesgos a los que se enfrentan los propietarios de negocios mientras operan sus empresas son cada vez m\u00e1s complejos. Los requisitos de seguro comercial var\u00edan seg\u00fan la jurisdicci\u00f3n y la intenci\u00f3n comercial, y los diversos tipos de cobertura disponibles para las empresas est\u00e1n dise\u00f1ados para proteger en diferentes situaciones. Las pol\u00edticas emitidas para grandes empresas que operan en m\u00faltiples jurisdicciones pueden contener docenas de cl\u00e1usulas de cobertura y cientos de disposiciones, pero los tipos de <\/span><a href=\"https:\/\/altrainsurance.com\/business-insurance-san-diego\/\"><span style=\"font-weight: 400;\">seguro comercial San Diego<\/span><\/a><span style=\"font-weight: 400;\"> los propietarios de peque\u00f1as empresas deben incluir lo siguiente.<\/span><\/p>\n<h2>Responsabilidad general<\/h2>\n<p><span style=\"font-weight: 400;\">Esta pol\u00edtica es la m\u00e1s com\u00fanmente requerida por la ley en California y pr\u00e1cticamente en todos los dem\u00e1s estados. En esencia, la responsabilidad general se refiere al riesgo de que las operaciones comerciales resulten en da\u00f1os a la propiedad o lesiones a terceros, y esto puede incluir productos vendidos y servicios prestados.<\/span><\/p>\n<h2>Seguro de propiedad<\/h2>\n<p><span style=\"font-weight: 400;\">Al igual que el seguro para propietarios de viviendas, esta cobertura protege las estructuras comerciales junto con los productos almacenados y los equipos de propiedad. El robo y el fuego son los peligros m\u00e1s com\u00fanmente nombrados, pero tambi\u00e9n pueden incluir desastres naturales.<\/span><\/p>\n<h2>Responsabilidad profesional<\/h2>\n<p><span style=\"font-weight: 400;\">En la industria de seguros, esta cobertura tambi\u00e9n se conoce como seguro de errores y omisiones. Como su nombre lo indica, se centra en proteger contra las denuncias civiles presentadas por clientes que sufrieron da\u00f1os o lesiones como resultado de los servicios profesionales prestados. Este tipo de seguro es muy recomendable para profesionales independientes, como arquitectos y traductores.<\/span><\/p>\n<h2>Compensaci\u00f3n de trabajadores<\/h2>\n<p><span style=\"font-weight: 400;\">Los due\u00f1os de negocios con miembros del personal en n\u00f3mina deben tener esta cobertura, que cubre accidentes de trabajo, lesiones y enfermedades. A pesar de que los empleados que reciben compensaci\u00f3n de trabajadores a\u00fan pueden buscar estrategias legales para presentar demandas contra sus empleadores, sus posibilidades de prevalecer en los tribunales disminuyen considerablemente.<\/span><\/p>\n<h2>Seguro de auto comercial<\/h2>\n<p><span style=\"font-weight: 400;\">Digamos que el propietario de una tienda de surf decide usar su camioneta personal para entregar tablas de surf como un beneficio para los clientes. Esta situaci\u00f3n se convierte efectivamente en una de uso comercial durante el horario comercial y conlleva riesgos de da\u00f1os y lesiones. El veh\u00edculo no tiene que ser propiedad de una empresa para exigir un seguro comercial de autom\u00f3viles. Simplemente tiene que ser operado con fines comerciales.<\/span><\/p>\n<h2>Seguro de ciberdelincuencia y violaci\u00f3n de datos<\/h2>\n<p><span style=\"font-weight: 400;\">Esta cobertura no se limita a las empresas tecnol\u00f3gicas. Pr\u00e1cticamente cualquier empresa que opere una infraestructura de informaci\u00f3n digital que almacene datos de clientes debe considerar los riesgos inherentes de los piratas inform\u00e1ticos que entran en sus redes, especialmente si las redes se operan en las instalaciones. En el caso de las empresas que mantienen datos en la nube, la responsabilidad de mantener registros seguros puede no recaer autom\u00e1ticamente en el centro de datos que proporciona servicios en la nube.<\/span><\/p>\n<h2>Seguro de interrupci\u00f3n de negocios<\/h2>\n<p><span style=\"font-weight: 400;\">La ley rara vez exige esta cobertura, pero es muy recomendable para los propietarios de peque\u00f1as empresas que corren el riesgo de ver interrumpidas sus operaciones por cualquier motivo. Con una pol\u00edtica de interrupci\u00f3n de negocios, un hotel de playa puede resistir una temporada brutal que requiere cierre debido a que ning\u00fan hu\u00e9sped se registra en absoluto. Una parte de los ingresos netos e incluso de la n\u00f3mina puede estar cubierta por esta pol\u00edtica.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Los due\u00f1os de negocios necesitan un seguro comercial porque operar un negocio significa asumir ciertos tipos de riesgo, y el tipo de seguro comercial necesario variar\u00e1 seg\u00fan el tama\u00f1o de la empresa y el tipo de operaci\u00f3n. Para un seguro comercial asequible y confiable, as\u00ed como para propietarios de viviendas, inquilinos, motocicletas y <\/span><a href=\"https:\/\/altrainsurance.com\/auto-insurance-san-diego\/\"><span style=\"font-weight: 400;\">seguro de auto San Diego<\/span><\/a>,<span style=\"font-weight: 400;\"> residents call on the trustworthy professionals at Altra Insurance Services. Reach out to us today at (800) 719-9972 to learn how we can satisfy all your insurance needs.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Los diversos riesgos a los que se enfrentan los propietarios de negocios mientras operan sus empresas son cada vez m\u00e1s complejos. Los requisitos de seguro comercial var\u00edan seg\u00fan la jurisdicci\u00f3n y la intenci\u00f3n comercial, y los diversos tipos de cobertura disponibles para las empresas est\u00e1n dise\u00f1ados para proteger en diferentes situaciones. Las pol\u00edticas emitidas para grandes empresas que operan en m\u00faltiples jurisdicciones pueden contener docenas de ... <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/altrainsurance.com\/es\/commercial-insurance-types\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Common Types of Commercial Insurance&#8221;<\/span><\/a><\/p>","protected":false},"author":2,"featured_media":613,"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-570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-commercial-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Different Types of Commercial Insurance<\/title>\n<meta name=\"description\" content=\"Commercial insurance is a basic necessity for every business. 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