{"id":937,"date":"2019-02-04T01:14:08","date_gmt":"2019-02-04T01:14:08","guid":{"rendered":"http:\/\/teague.local\/?p=937"},"modified":"2019-01-09T01:19:28","modified_gmt":"2019-01-09T01:19:28","slug":"need-to-have-liability-coverages-for-every-business","status":"publish","type":"post","link":"https:\/\/www.teagueins.com\/es\/2019\/02\/04\/need-to-have-liability-coverages-for-every-business\/","title":{"rendered":"Coberturas de responsabilidad &quot;necesarias&quot; para todas las empresas"},"content":{"rendered":"<p class=\"bodycopy\" align=\"left\"><strong>Hay coberturas de seguro que todas las empresas necesitan, algunas que todas las empresas deben considerar y otras que usted necesita solo si tiene exposiciones especiales a riesgos.<\/strong><\/p>\n<h3>Necesito tener<\/h3>\n<p class=\"paragraph\" align=\"left\">La responsabilidad comercial general (CGL) es esencial para todas las empresas. Pagar\u00e1 sus costos legales, junto con cualquier fallo o acuerdo, cuando est\u00e9 legalmente obligado a pagar a otra parte debido a accidentes, lesiones y reclamos por negligencia. La mayor\u00eda de las p\u00f3lizas tambi\u00e9n brindan cobertura de gastos m\u00e9dicos que pagar\u00e1 hasta $5,000 o $10,000 para gastos m\u00e9dicos de un tercero lesionado en sus instalaciones, independientemente de la culpa.<\/p>\n<h4>El CGL le cubre la responsabilidad derivada de:<\/h4>\n<\/p>\n<ul>\n<li>Lesi\u00f3n corporal o da\u00f1o f\u00edsico a una persona que ocurra en sus instalaciones comerciales o por parte de su empleado mientras conduce por negocios.<\/li>\n<li>Da\u00f1o a la propiedad que usted (o un empleado) cause a la propiedad de otra persona.<\/li>\n<li>Lesiones personales o da\u00f1os a los derechos o la reputaci\u00f3n de otra persona. Esto incluye difamaci\u00f3n, difamaci\u00f3n, invasi\u00f3n de la privacidad, arresto falso y desalojo injustificado.<\/li>\n<li>Lesi\u00f3n publicitaria o infracci\u00f3n de derechos de autor y apropiaci\u00f3n indebida de la idea de otra persona en su publicidad.<\/li>\n<\/ul>\n<h4>El CGL tiene algunas exclusiones importantes, que incluyen:<\/h4>\n<ul>\n<li>Empleados. No cubrir\u00e1 las reclamaciones de sus empleados por lesiones corporales o pr\u00e1cticas laborales. Hay dos tipos espec\u00edficos de p\u00f3lizas de seguro destinadas a estos tipos de reclamaciones: la compensaci\u00f3n para trabajadores cubre las reclamaciones por lesiones corporales y p\u00e9rdida de tiempo de los empleados; El seguro de responsabilidad por pr\u00e1cticas laborales (EPLI) cubre reclamaciones relacionadas con pr\u00e1cticas laborales, como despido injustificado, discriminaci\u00f3n, etc.<\/li>\n<li>Responsabilidad contractual, o responsabilidad que acepta por acuerdo que no existir\u00eda de otra manera.<\/li>\n<li>Responsabilidad por licor: para empresas que venden, sirven, elaboran o distribuyen licor.<\/li>\n<li>Calumnia, difamaci\u00f3n, infracci\u00f3n de derechos de autor o apropiaci\u00f3n indebida de la idea de otra persona, para empresas de la industria de los medios.<\/li>\n<li>Contaminaci\u00f3n<\/li>\n<li>Da\u00f1o a su trabajo debido a mano de obra defectuosa<\/li>\n<li>Retirada de productos<\/li>\n<li>Datos electr\u00f3nicos<\/li>\n<\/ul>\n<p class=\"paragraph\" align=\"left\">Como ocurre con la mayor\u00eda de las p\u00f3lizas de seguro, la p\u00f3liza de responsabilidad general tambi\u00e9n excluye la cobertura de reclamaciones derivadas de actos de guerra, criminales o intencionales.<\/p>\n<p><b>Seguro de responsabilidad civil o de exceso<\/b> proporciona cobertura una vez que una reclamaci\u00f3n agota los l\u00edmites de sus otras p\u00f3lizas de responsabilidad civil o &quot;subyacentes&quot;. Por ejemplo, si un empleado causa un accidente automovil\u00edstico con lesiones m\u00faltiples, su p\u00f3liza general o de exceso comenzar\u00eda a pagar despu\u00e9s de que las reclamaciones superen los l\u00edmites de responsabilidad de su p\u00f3liza de autom\u00f3vil comercial. La cobertura general se diferencia de la cobertura en exceso en que tambi\u00e9n puede &quot;reducirse&quot; para cubrir algunas p\u00e9rdidas no cubiertas por las p\u00f3lizas subyacentes. Sin embargo, la mayor\u00eda de las p\u00f3lizas generales excluyen la cobertura de las pr\u00e1cticas laborales, la responsabilidad profesional y la retirada de productos, todo lo cual puede estar cubierto por p\u00f3lizas especializadas.<\/p>\n<p><b>Seguro de autom\u00f3vil comercial<\/b> cubre su negocio por responsabilidad civil relacionada con el autom\u00f3vil. Las p\u00f3lizas de autom\u00f3viles personales excluyen el uso comercial del veh\u00edculo, lo que deja una brecha de cobertura grave si usted o un empleado se ven involucrados en una lesi\u00f3n o un accidente por da\u00f1os a la propiedad mientras conduce para trabajar. El seguro de autom\u00f3viles comerciales puede cubrir veh\u00edculos de forma individual o de flota. Recomendamos encarecidamente agregar a su p\u00f3liza cobertura para automovilistas sin seguro o con seguro insuficiente, cobertura para autom\u00f3viles prestados o alquilados y cobertura para empleados que utilizan sus propios autom\u00f3viles para trabajar.<\/p>\n<p><b>Pol\u00edticas de propietarios de empresas (BOP)<\/b> Combine las coberturas de responsabilidad comercial y de propiedad en un paquete est\u00e1ndar, que generalmente incluye propiedad, responsabilidad general, veh\u00edculos e interrupci\u00f3n del negocio. Los BOP pueden simplificar la compra de seguros y pueden ahorrarle dinero en lugar de comprar p\u00f3lizas separadas de diferentes compa\u00f1\u00edas. Sin embargo, si su empresa tiene riesgos \u00fanicos, es posible que esta cobertura \u00fanica para todos no sea su mejor opci\u00f3n.<\/p>\n<p><b>Seguro de compensaci\u00f3n de trabajadores.<\/b> Todos los estados, excepto Dakota del Sur y Texas, exigen que las empresas con empleados tengan un seguro de compensaci\u00f3n para trabajadores o un seguro propio. El seguro cubre todo el tiempo perdido y los beneficios m\u00e9dicos que el empleador est\u00e1 obligado a pagar por ley estatal.<\/p>\n<p>En la mayor\u00eda de los estados, los empleadores que carecen de seguro de compensaci\u00f3n para trabajadores enfrentan multas civiles y algunos estados tambi\u00e9n imponen sanciones penales. En los estados que no requieren seguro, los empleadores probablemente lo querr\u00e1n de todos modos, ya que sin seguro, los empleados pueden demandar en los tribunales por lesiones. Con el seguro, el &quot;trato de compensaci\u00f3n para trabajadores&quot; significa que los empleados renuncian a su derecho a demandar a su empleador a cambio de la promesa de recibir los beneficios exigidos por el estado.<\/p>\n<p>Si tiene preguntas sobre la necesidad de tener coberturas o siente que carece de alguna de estas coberturas, comun\u00edquese con nosotros.<\/p>\n<p><a id=\"disclaimer\" href=\"https:\/\/smartspublishing.com\/\" target=\"_blank\" rel=\"noopener\">Art\u00edculo cortes\u00eda de SmartsPublishing.com<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>There are insurance coverages that all businesses need, some that all businesses should consider, and some that you need only if you have special risk exposures. Need to Have Commercial general liability (CGL) is essential for every business. It will pay your legal costs, along with any judgments or settlements, when you are legally obligated [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":933,"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-937","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 v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u201cNeed to Have\u201d Liability Coverages for Every Business - 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\/02\/04\/need-to-have-liability-coverages-for-every-business\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u201cNeed to Have\u201d Liability Coverages for Every Business\" \/>\n<meta property=\"og:description\" content=\"There are insurance coverages that all businesses need, some that all businesses should consider, and some that you need only if you have special risk exposures. 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