{"id":50007,"date":"2024-12-31T01:39:00","date_gmt":"2024-12-31T05:39:00","guid":{"rendered":"https:\/\/www.univistainsurance.com\/?p=50007"},"modified":"2024-12-27T11:40:43","modified_gmt":"2024-12-27T15:40:43","slug":"reclamaciones-seguro-comercial","status":"publish","type":"post","link":"https:\/\/www.univistainsurance.com\/es\/blog\/reclamaciones-seguro-comercial\/","title":{"rendered":"Principales reclamaciones al seguro comercial: \u00bfPor qu\u00e9 es importante conocerlas?"},"content":{"rendered":"\n<p>Si est\u00e1 pensando en abrir un negocio este nuevo a\u00f1o, es crucial que comprenda los riesgos m\u00e1s comunes que enfrentan las empresas en los Estados Unidos y c\u00f3mo un seguro comercial adecuado puede protegerlo.<\/p>\n\n\n\n<p><strong>Incendios: el peligro siempre latente<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Seg\u00fan la\u00a0<em>US Fire Administration<\/em>, un promedio de\u00a0<strong>7,410 restaurantes, bares y cafeter\u00edas<\/strong>\u00a0se incendian anualmente, dejando un saldo de:\n<ul class=\"wp-block-list\">\n<li>110 personas lesionadas.<\/li>\n\n\n\n<li><strong>$165 millones<\/strong>\u00a0en da\u00f1os a la propiedad.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Pero los incendios no solo afectan a restaurantes. De acuerdo con el\u00a0<em>Insurance Information Institute<\/em>, un incendio ocurre en los EEUU cada\u00a0<strong>64 segundos<\/strong>, generando p\u00e9rdidas anuales superiores a\u00a0<strong>$11,000 millones<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p><strong>Robos: el enemigo dentro del negocio<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>El\u00a0<strong>42% de las p\u00e9rdidas de inventario<\/strong>\u00a0en los negocios son causadas por\u00a0<strong>empleados deshonestos<\/strong>, seg\u00fan expertos en seguridad empresarial.<\/li>\n<\/ul>\n\n\n\n<p><strong>Ca\u00eddas: la causa m\u00e1s com\u00fan de lesiones y reclamaciones<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Las ca\u00eddas y resbalones de clientes son una de las principales causas de lesiones en los negocios. Por eso, no es casual ver carteles que advierten sobre suelos mojados en muchas empresas.<\/li>\n<\/ul>\n\n\n\n<p><strong>Desastres naturales: la amenaza imprevisible<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>M\u00e1s de la mitad de los due\u00f1os de restaurantes han reportado tener que cerrar temporalmente por da\u00f1os causados por tormentas, granizo o inundaciones. Muchos negocios que no cuentan con un seguro adecuado nunca logran reabrir, al no poder asumir los costos de las reparaciones.<\/li>\n<\/ul>\n\n\n\n<p><strong>\u00bfC\u00f3mo puede proteger su negocio?<\/strong><\/p>\n\n\n\n<p>Un seguro comercial&nbsp;<strong>Business Owner&#8217;s Policy (BOP)<\/strong>&nbsp;puede incluir coberturas que lo protejan contra estos riesgos:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Cobertura contra incendios:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Garantiza la reparaci\u00f3n o reemplazo de los da\u00f1os causados por incendios en su propiedad.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Cobertura por robo de empleados:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Incluya una cl\u00e1usula de\u00a0<strong>employee dishonesty\/theft endorsement<\/strong>\u00a0para protegerse contra robos cometidos por sus propios empleados.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Cobertura por lesiones en el negocio:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Proteja a su empresa contra reclamaciones por lesiones de clientes, como ca\u00eddas o resbalones.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Cobertura contra desastres naturales:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Aseg\u00farese de incluir protecci\u00f3n contra tormentas, granizo e inundaciones, para evitar p\u00e9rdidas irreparables en caso de un evento clim\u00e1tico adverso.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p><strong>Un seguro comercial personalizado es clave<\/strong><\/p>\n\n\n\n<p>No se conforme con un paquete gen\u00e9rico de seguro comercial, BOP, que podr\u00eda ignorar las particularidades de su negocio. Cada empresa enfrenta riesgos \u00fanicos, y su p\u00f3liza debe reflejarlos.<\/p>\n\n\n\n<p><strong>Contacte a 51³Ô¹ÏºÚÁÏÍø,<\/strong>\u00a0donde un especialista en seguros dise\u00f1ar\u00e1 una cobertura personalizada que lo proteja contra cada potencial peligro. No ponga en riesgo el futuro de su negocio; aseg\u00farese de estar preparado para cualquier eventualidad de acuerdo con las experiencias m\u00e1s comunes.\u00a0 <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si est\u00e1 pensando en abrir un negocio este nuevo a\u00f1o, es crucial que comprenda los riesgos m\u00e1s comunes que enfrentan las empresas en los Estados Unidos y c\u00f3mo un seguro comercial adecuado puede protegerlo. Incendios: el peligro siempre latente Robos: el enemigo dentro del negocio Ca\u00eddas: la causa m\u00e1s com\u00fan de lesiones y reclamaciones Desastres [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":50009,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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