{"id":1049,"date":"2019-12-01T22:12:17","date_gmt":"2019-12-01T22:12:17","guid":{"rendered":"http:\/\/teague.local\/?p=1049"},"modified":"2019-11-01T22:12:55","modified_gmt":"2019-11-01T22:12:55","slug":"why-you-not-just-dolly-and-bruce-might-need-surplus-lines-insurance","status":"publish","type":"post","link":"https:\/\/www.teagueins.com\/es\/2019\/12\/01\/why-you-not-just-dolly-and-bruce-might-need-surplus-lines-insurance\/","title":{"rendered":"Por qu\u00e9 usted, no solo &quot;Dolly&quot; y &quot;Bruce&quot;, podr\u00eda necesitar un seguro de l\u00edneas excedentes"},"content":{"rendered":"<h3>Un cambio en su estrategia comercial puede crear la necesidad de acceder al mercado de l\u00edneas excedentes. <\/h3>\n<p class=\"paragraph\" align=\"left\">Cuando Dolly Parton asegur\u00f3 sus senos por $600,000 y Gene Simmons de Kiss asegur\u00f3 su lengua por $1 mill\u00f3n, puede estar seguro de que una aseguradora est\u00e1ndar no cubri\u00f3 esos riesgos. Lo mismo ocurre con la p\u00f3liza de $19 millones de Bruce Springsteen para su voz. Estas celebridades recurrieron al mercado de l\u00edneas excedentes.<\/p>\n<p>Pero el mercado de l\u00edneas excedentes hace mucho m\u00e1s que asegurar partes del cuerpo de celebridades.<\/p>\n<p>Seg\u00fan la Asociaci\u00f3n de Seguros Mayoristas y Especializados (WSIA), las compa\u00f1\u00edas de l\u00edneas especializadas y excedentes a menudo se denominan &quot;v\u00e1lvula de seguridad&quot; de la industria de seguros. Satisfacen la necesidad de cobertura en el mercado asegurando aquellos riesgos que son rechazados por los procesos est\u00e1ndar de suscripci\u00f3n y fijaci\u00f3n de precios de las compa\u00f1\u00edas de seguros admitidas. Con la capacidad de adaptarse a una amplia variedad de riesgos, el mercado de l\u00edneas mayoristas, especializadas y excedentes act\u00faa como un complemento eficaz al mercado admitido.<\/p>\n<p>Seg\u00fan AM Best, el volumen de primas de l\u00edneas excedentes de 2017 fue de casi $44.9 mil millones y representa una gran cantidad de asegurados que, sin el mercado de l\u00edneas excedentes, tendr\u00edan dificultades para obtener un seguro, si es que pudieran obtenerlo.<\/p>\n<p>El mercado de l\u00edneas excedentes juega un papel importante en la provisi\u00f3n de seguros para riesgos dif\u00edciles de colocar, \u00fanicos o de alta capacidad (es decir, de l\u00edmite alto). Las aseguradoras de l\u00edneas excedentes pueden cubrir riesgos \u00fanicos y dif\u00edciles de ubicar porque, como aseguradoras no admitidas, pueden reaccionar a los cambios del mercado y adaptarse a las necesidades \u00fanicas de los asegurados que no pueden obtener cobertura de las compa\u00f1\u00edas admitidas.<\/p>\n<p>Esto da como resultado soluciones rentables para los consumidores que no son de \u201ctalla \u00fanica\u201d, sino que est\u00e1n h\u00e1bilmente dise\u00f1adas para satisfacer necesidades espec\u00edficas de riesgos no est\u00e1ndar.<\/p>\n<p>Los riesgos que normalmente se registran en el mercado de l\u00edneas excedentes se dividen en tres categor\u00edas b\u00e1sicas:<\/p>\n<ol>\n<li>riesgos no est\u00e1ndar, que tienen caracter\u00edsticas de suscripci\u00f3n inusuales;<\/li>\n<li>riesgos \u00fanicos para los cuales los transportistas admitidos no ofrecen una tarifa o formulario de p\u00f3liza archivado; y<\/li>\n<li>Riesgos de capacidad cuando un asegurado busca un nivel de cobertura m\u00e1s alto que el que la mayor\u00eda de las aseguradoras est\u00e1n dispuestas a brindar.<\/li>\n<\/ol>\n<p class=\"paragraph\" align=\"left\">Aunque las aseguradoras de l\u00edneas excedentes son \u201cno admitidas\u201d, eso no significa que carezcan de regulaci\u00f3n. Cada asegurador de l\u00edneas excedentes debe ser admitido (licenciado) en uno de los 50 estados y debe cumplir con los requisitos de solvencia financiera de ese estado. El estado de domicilio se convierte en el regulador de esa aseguradora.<\/p>\n<p>Las compa\u00f1\u00edas de l\u00edneas excedentes pueden ofrecer coberturas especiales porque, en gran medida, no tienen restricciones de tarifas y formas que dificultan que las compa\u00f1\u00edas est\u00e1ndar suscriban el riesgo. Su flexibilidad les permite dise\u00f1ar pol\u00edticas que satisfagan las necesidades \u00fanicas de los clientes.<\/p>\n<h4>H\u00e1blanos<\/h4>\n<p class=\"paragraph\" align=\"left\">A veces, un peque\u00f1o cambio en su estrategia comercial crea la necesidad de acceder al mercado de l\u00edneas excedentes. Por ejemplo, si un contratista instala gabinetes de cocina en edificios de apartamentos de alquiler, probablemente compre una cobertura de responsabilidad en el mercado est\u00e1ndar. Sin embargo, si acepta un trabajo similar para condominios, es posible que necesite cobertura de responsabilidad por l\u00edneas excedentes. \u00bfPor qu\u00e9? Porque su potencial responsabilidad es mayor. Si hubiera un defecto de construcci\u00f3n, el contratista podr\u00eda ser demandado por cada propietario de condominio, en lugar de solo un propietario de edificio.<\/p>\n<p>Si su actividad comercial ha cambiado, ll\u00e1menos r\u00e1pidamente y le informaremos si necesitamos hacer alg\u00fan ajuste en su programa de seguros.<\/p>\n<p><a id=\"disclaimer\" href=\"https:\/\/smartspublishing.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Art\u00edculo cortes\u00eda de SmartsPublishing.com<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>A change in your business strategy can create a need to access the surplus lines market. When Dolly Parton insured her breasts for $600,000 and Kiss&#8217;s Gene Simmons insured his tongue for $1 million, you can be sure a standard insurer didn&#8217;t cover those risks. Same for Bruce Springsteen&#8217;s $19 million policy for his voice. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1045,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[13],"tags":[],"class_list":["post-1049","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.2 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Why You \u2013 not just &quot;Dolly&quot; and &quot;Bruce&quot; \u2013 Might Need Surplus Lines Insurance - Teague Insurance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.teagueins.com\/es\/2019\/12\/01\/why-you-not-just-dolly-and-bruce-might-need-surplus-lines-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why You \u2013 not just &quot;Dolly&quot; and &quot;Bruce&quot; \u2013 Might Need Surplus Lines Insurance\" \/>\n<meta property=\"og:description\" content=\"A change in your business strategy can create a need to access the surplus lines market. When Dolly Parton insured her breasts for $600,000 and Kiss&#8217;s Gene Simmons insured his tongue for $1 million, you can be sure a standard insurer didn&#8217;t cover those risks. Same for Bruce Springsteen&#8217;s $19 million policy for his voice. 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