{"id":91,"date":"2018-08-17T09:00:09","date_gmt":"2018-08-17T09:00:09","guid":{"rendered":"http:\/\/altrainsurance.com\/?p=91"},"modified":"2023-01-05T11:51:49","modified_gmt":"2023-01-05T11:51:49","slug":"business-insurance-essentials","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/business-insurance-essentials\/","title":{"rendered":"Los fundamentos del seguro comercial"},"content":{"rendered":"

 <\/p>\n

Sin excepci\u00f3n, cualquiera que planee hacer negocios en California debe estar asegurado. Los empleados no tienen que comprar un seguro porque se supone que est\u00e1n cubiertos por sus jefes. Fuera de esta situaci\u00f3n, las personas que trabajan por cuenta propia y las empresas que operan de empresa a consumidor o de empresa a empresa deben estar protegidas contra accidentes, lesiones, da\u00f1os, reclamos de responsabilidad, robo y otras situaciones inesperadas.\u00a0<\/span>
\n<\/span>
\n<\/span>En muchos casos, se requiere un seguro comercial para obtener permisos operativos y licencias profesionales. Los tipos de p\u00f3lizas y cobertura est\u00e1n determinados por los agentes de seguros que revisan el plan de negocios y las operaciones actuales y esperadas. Aqu\u00ed hay algunos elementos esenciales de <\/span>seguro de negocios en San Diego<\/span><\/a> Las empresas deben tener en cuenta.<\/span><\/p>\n

Responsabilidad general<\/h2>\n

Es imperativo protegerse contra da\u00f1os y lesiones que puedan ser causados por sus productos, servicios o empleados en el transcurso de sus negocios. Digamos que una mujer entra a una tienda de surf en San Diego y se lastima por las aletas de las tablas de surf que se cayeron incorrectamente. Si su seguro m\u00e9dico no es suficiente para cubrir el tratamiento, la parte de responsabilidad general de la p\u00f3liza de seguro comercial puede cubrir la deficiencia.<\/span><\/p>\n

Responsabilidad profesional<\/h2>\n

La responsabilidad profesional es imprescindible para los emprendedores y profesionales aut\u00f3nomos que brindan servicios o especialistas contratados para realizar servicios en nombre de una empresa. Digamos que un dise\u00f1ador gr\u00e1fico es contratado por una tienda de surf para crear logotipos. Si la tienda de surf es demandada porque los nuevos logotipos parecen infringir los derechos de autor existentes, el dise\u00f1ador estar\u00eda cubierto por responsabilidad profesional. Cabe se\u00f1alar que bastantes reclamaciones de responsabilidad profesional no implican el trabajo f\u00edsico realizado. En cambio, se centran en errores y omisiones intelectuales.<\/span><\/p>\n

Responsabilidad del producto<\/h2>\n

Los fabricantes, inventores y distribuidores de marca blanca deben tener en cuenta que sus productos pueden causar da\u00f1os o incluso lesiones. La cobertura de responsabilidad del producto proteger\u00eda contra reclamos presentados contra el distribuidor de cera de surf fabricada en China que resulta ser un irritante importante para la piel.<\/span><\/p>\n

Compensaci\u00f3n de trabajadores<\/h2>\n

La cobertura de compensaci\u00f3n para trabajadores es esencial porque es la ley en pr\u00e1cticamente todos los estados, y brinda cobertura en situaciones que surgen de accidentes o enfermedades en el lugar de trabajo y paga el tratamiento y cierto nivel de salarios perdidos. En muchos casos, la compensaci\u00f3n laboral puede evitar que los empleados lesionados en el trabajo presenten demandas.<\/span><\/p>\n

Seguro de riesgo cibern\u00e9tico<\/h2>\n

Esto sol\u00eda ser una cobertura especializada que se est\u00e1 convirtiendo r\u00e1pidamente en un aspecto esencial del seguro comercial. El seguro de riesgo cibern\u00e9tico cubre en caso de p\u00e9rdidas derivadas de violaciones de datos, intrusiones en la red y otros incidentes relacionados con el trabajo de piratas inform\u00e1ticos y grupos de delitos inform\u00e1ticos.<\/span><\/p>\n

Interrupci\u00f3n del negocio<\/h2>\n

El sur de California es una regi\u00f3n propensa a terremotos y otros desastres naturales. Si un negocio se ve obligado a dejar de operar despu\u00e9s de un evento catastr\u00f3fico, la cobertura de interrupci\u00f3n del negocio puede proporcionar una parte de los ingresos proyectados con el prop\u00f3sito de mantener el negocio a flote.<\/span><\/p>\n

Si necesita asegurar su negocio, dir\u00edjase a Altra Insurance Services. Tambi\u00e9n ofrecemos motocicletas asequibles y <\/span>car insurance. Chula Vista<\/span><\/a> Los residentes pueden llamar al (800) 719-9972 hoy para hablar con uno de nuestros representantes amistosos. <\/span><\/p>","protected":false},"excerpt":{"rendered":"

  Sin excepci\u00f3n, cualquiera que planee hacer negocios en California debe estar asegurado. Los empleados no tienen que comprar un seguro porque se supone que est\u00e1n cubiertos por sus jefes. Fuera de esta situaci\u00f3n, las personas y empresas independientes que operan de empresa a consumidor o de empresa a empresa deben estar protegidas contra accidentes, lesiones, da\u00f1os, responsabilidad ... <\/p>\n

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