{"id":1603,"date":"2022-03-15T04:06:00","date_gmt":"2022-03-15T04:06:00","guid":{"rendered":"https:\/\/teague.local\/?p=1603"},"modified":"2022-03-17T04:10:20","modified_gmt":"2022-03-17T04:10:20","slug":"how-to-survive-the-insurance-hard-market","status":"publish","type":"post","link":"https:\/\/www.teagueins.com\/es\/2022\/03\/15\/how-to-survive-the-insurance-hard-market\/","title":{"rendered":"C\u00f3mo sobrevivir al \u201cmercado duro\u201d de seguros"},"content":{"rendered":"<h3 class=\"wp-block-heading\" id=\"h-several-extraordinary-events-have-taken-place-in-the-past-few-years-that-will-influence-the-role-of-insurance-for-many-years-to-come\">Varios eventos extraordinarios han tenido lugar en los \u00faltimos a\u00f1os que influir\u00e1n en el papel de los seguros durante muchos a\u00f1os por venir.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Risk Strategies Co., con sede en Boston, ha identificado estos eventos en su \u00faltimo &quot;Informe sobre el estado del mercado&quot;. Son:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>La pandemia mundial de COVID-19, que afecta a las empresas de todos los sectores.<\/li><li>El aumento en la frecuencia y la gravedad de las cat\u00e1strofes naturales, &quot;desafiando los modelos de suscripci\u00f3n, la metodolog\u00eda, la fijaci\u00f3n de precios y la capacidad de los seguros&quot;.<\/li><li>Ataques vertiginosos de ransomware, que han aumentado las reclamaciones, impulsado fuertes aumentos de precios y reducido la capacidad de suscripci\u00f3n en todas las l\u00edneas de seguros.<\/li><li>La creciente influencia de los problemas ambientales, sociales y de gobernanza en las demandas colectivas de consumidores y accionistas, los veredictos nucleares y los problemas de la cadena de suministro.<\/li><li>Como resultado de estos desarrollos, seg\u00fan el informe, los compradores de seguros comerciales pueden esperar aumentos en las primas, mercados duros y suscripci\u00f3n m\u00e1s estricta.<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Aumentos de primas y mercados duros<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Las tarifas aumentaron a lo largo de 2021, sobre todo en seguros cibern\u00e9ticos, de propiedad, de exceso de responsabilidad, de directores y funcionarios y de autom\u00f3viles. Las tasas de propiedad aumentaron un 25 por ciento y m\u00e1s para las empresas en \u00e1reas catastr\u00f3ficas o con malos antecedentes de p\u00e9rdidas. El rango de aumentos de seguros cibern\u00e9ticos fue de 30 a 300 por ciento, con un promedio de 50 por ciento o m\u00e1s.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Suscripci\u00f3n m\u00e1s estricta<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cCon el aumento en la frecuencia y gravedad de las cat\u00e1strofes y otras condiciones de mercado de alto riesgo, los operadores han analizado la idoneidad de los niveles de primas y el nivel o riesgo que est\u00e1n dispuestos a asumir\u201d. Esto ha dado como resultado una suscripci\u00f3n m\u00e1s estricta y una menor disposici\u00f3n a suscribir l\u00edmites de seguro m\u00e1s altos. Algunos operadores han abandonado el mercado por completo, lo que aumenta a\u00fan m\u00e1s la presi\u00f3n sobre los precios y reduce a\u00fan m\u00e1s las opciones.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Recomendaciones<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">El Informe ofrece recomendaciones espec\u00edficas para varias industrias y tipos de exposiciones, aunque la mayor\u00eda de las recomendaciones se aplican ampliamente a todas ellas. Algunas \u00e1reas mencionadas espec\u00edficamente incluyen:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">V\u00edctima<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Las empresas deben colaborar con sus corredores y otros para iniciar el proceso de suscripci\u00f3n y renovaci\u00f3n temprano. Colaborar con un corredor que comprenda la industria espec\u00edfica de su empresa y adopte un enfoque anal\u00edtico garantizar\u00e1 que su negocio coincida con las compa\u00f1\u00edas de seguros que mejor se adapten a usted en t\u00e9rminos de precio, servicio y cobertura.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Propiedad<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Los costos de reemplazo y los valores de los edificios, la maquinaria, el equipo y la propiedad personal han aumentado r\u00e1pidamente \u00faltimamente. El costo promedio de los edificios terminados en los EE. UU. aument\u00f3 aproximadamente entre un 15 y un 19 por ciento respecto al a\u00f1o anterior. Las empresas deben esperar que las aseguradoras soliciten informaci\u00f3n actualizada sobre estas valoraciones. Trabaje en estrecha colaboraci\u00f3n con su corredor para brindarle informaci\u00f3n sobre:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Tipo de construcci\u00f3n y antig\u00fcedad de los edificios.<\/li><li>Tipos y edades de techos y retechados<\/li><li>Metros cuadrados y tipo de operaciones de construcci\u00f3n<\/li><li>Protecci\u00f3n contra incendios y otros equipos de prevenci\u00f3n de p\u00e9rdidas de propiedad<\/li><li>Exposiciones catastr\u00f3ficas y resultados de modelos para terremotos, inundaciones, tornados, tormentas convectivas, marejadas cicl\u00f3nicas, incendios forestales y terrorismo.<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Cyber<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">El estado del marketing de seguros cibern\u00e9ticos es m\u00e1s consultivo que nunca debido a los riesgos sin precedentes de los \u00faltimos a\u00f1os. Como consecuencia, es importante utilizar herramientas anal\u00edticas para evaluar las deficiencias para prevenir y\/o reducir el costo y la complejidad de un incidente.<br><br>Adem\u00e1s, el proceso de suscripci\u00f3n se ha vuelto m\u00e1s prolongado y completo en los \u00faltimos a\u00f1os. Las empresas deben trabajar en asociaci\u00f3n con corredores y socios proveedores de confianza para mejorar los controles de gesti\u00f3n de riesgos antes de las renovaciones cibern\u00e9ticas. Esto es esencial para reducir el riesgo y el costo del seguro.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Responsabilidad Cibern\u00e9tica y Profesional<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Al igual que con la responsabilidad cibern\u00e9tica, los profesionales tambi\u00e9n deben enfatizar la garant\u00eda de calidad y utilizar protocolos de control de calidad y gesti\u00f3n de riesgos. Prepare la informaci\u00f3n de renovaci\u00f3n con anticipaci\u00f3n y conc\u00e9ntrese en las compa\u00f1\u00edas de seguros apropiadas. Algunos de los controles b\u00e1sicos que buscan las compa\u00f1\u00edas de seguros incluyen:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Autenticaci\u00f3n multifactor<\/li><li>Monitoreo y respuesta de detecci\u00f3n de puntos finales<\/li><li>Copias de seguridad seguras y peri\u00f3dicas<\/li><li>Capacitaci\u00f3n en concientizaci\u00f3n sobre seguridad<\/li><li>Herramienta de gesti\u00f3n de acceso con contrase\u00f1a.<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">En general<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">En los pr\u00f3ximos a\u00f1os, todas las empresas deben esperar un mayor escrutinio de suscripci\u00f3n, hacer su debida diligencia y estar preparadas para presentar a las aseguradoras m\u00e1s detalles y datos que los requeridos anteriormente. En muchas situaciones, se ha vuelto fundamental comenzar el proceso de suscripci\u00f3n antes, al menos 90 d\u00edas antes de comercializar un riesgo. Ll\u00e1menos si tiene preguntas sobre sus pr\u00f3ximas renovaciones.<\/p>\n\n\n\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>Several extraordinary events have taken place in the past few years that will influence the role of insurance for many years to come. Boston-based Risk Strategies Co. has identified these events in their latest \u201cState of the Market Report\u201d They are: The COVID-19 global pandemic, impacting businesses across every sector. The rise in frequency and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1604,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[13,22],"tags":[],"class_list":["post-1603","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-business"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.2 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Survive the Insurance \u201cHard Market\u201d - 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\/2022\/03\/15\/how-to-survive-the-insurance-hard-market\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Survive the Insurance \u201cHard Market\u201d\" \/>\n<meta property=\"og:description\" content=\"Several extraordinary events have taken place in the past few years that will influence the role of insurance for many years to come. 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Boston-based Risk Strategies Co. has identified these events in their latest \u201cState of the Market Report\u201d They are: The COVID-19 global pandemic, impacting businesses across every sector. 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