{"id":999,"date":"2019-07-03T21:58:57","date_gmt":"2019-07-03T21:58:57","guid":{"rendered":"http:\/\/teague.local\/?p=999"},"modified":"2019-07-03T21:58:57","modified_gmt":"2019-07-03T21:58:57","slug":"umbrella-excess-liability-what-limit-do-you-choose","status":"publish","type":"post","link":"https:\/\/www.teagueins.com\/es\/2019\/07\/03\/umbrella-excess-liability-what-limit-do-you-choose\/","title":{"rendered":"Paraguas y exceso de responsabilidad: \u00bfQu\u00e9 l\u00edmite elige?"},"content":{"rendered":"

A menudo nos preguntan: "\u00bfQu\u00e9 l\u00edmite de cobertura deber\u00eda tener?" Si bien hay varios factores a considerar al tomar esta decisi\u00f3n, sugerimos considerar estos tres principales:<\/p>\n

    \n
  1. \u00bfQu\u00e9 activos estoy tratando de proteger?<\/li>\n
  2. \u00bfHay alguien fuera de nuestra empresa que requiera l\u00edmites espec\u00edficos de cobertura?<\/li>\n
  3. \u00bfCu\u00e1l es mi actitud hacia asumir \/ retener riesgos?<\/li>\n<\/ol>\n

    Para ayudarlo a clasificar estos factores, querr\u00e1 reflexionar sobre lo siguiente:<\/p>\n

      \n
    1. \u00bfCu\u00e1les son mis activos?<\/strong> No solo incluyen la propiedad f\u00edsica y el dinero que tiene ahora, sino que tambi\u00e9n podr\u00edan incluir ganancias futuras. Es posible que no tenga muchos activos en este momento, pero si causa lesiones a alguien, podr\u00edan demandarlo por todo, incluido el embargo de sus ganancias futuras. <\/li>\n
    2. \u00bfAlguien requiere l\u00edmites o cobertura espec\u00edficos?<\/strong> A veces, es posible que tenga un cliente o un banco que requiera que tenga l\u00edmites de cobertura de responsabilidad espec\u00edficos. Cuando este es el caso, debe cumplir con esos requisitos para hacer negocios con su cliente u obtener un pr\u00e9stamo.<\/li>\n
    3. \u00bfCu\u00e1l es mi actitud hacia el riesgo?<\/strong> Todos tenemos una actitud diferente ante el riesgo. Algunas personas quieren transferir o evitar el riesgo a toda costa, mientras que otras personas toman riesgos y se sienten c\u00f3modas reteniendo el riesgo. Dependiendo de cu\u00e1l sea su actitud hacia el riesgo, es posible que desee l\u00edmites altos o l\u00edmites b\u00e1sicos de cobertura.<\/li>\n<\/ol>\n

      Aqu\u00ed, en Teague, lo ayudaremos a superar su tolerancia al riesgo y podemos proporcionarle cotizaciones de Umbrella o Exceso de responsabilidad como parte de su soluci\u00f3n de seguro. Comun\u00edquese con cualquier miembro de su equipo de servicio para analizar los l\u00edmites de su seguro actual y las opciones adicionales disponibles para su negocio. <\/p>\n

      Como siempre, gracias por confiar en Teague. Esperamos con inter\u00e9s escuchar de usted. <\/p>","protected":false},"excerpt":{"rendered":"

      We are often asked, \u201cWhat limit of coverage should I have?\u201d While there are several factors to consider when making this decision, we suggest considering these top three: What assets am I trying to protect? Is there someone outside of our company that requires specific limits of coverage? What is my attitude toward taking\/retaining risk? […]<\/p>\n","protected":false},"author":1,"featured_media":1000,"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-999","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-business"],"acf":[],"yoast_head":"\nUmbrella & Excess Liability: What limit do you choose? - 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\/07\/03\/umbrella-excess-liability-what-limit-do-you-choose\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Umbrella & Excess Liability: What limit do you choose?\" \/>\n<meta property=\"og:description\" content=\"We are often asked, \u201cWhat limit of coverage should I have?\u201d While there are several factors to consider when making this decision, we suggest considering these top three: What assets am I trying to protect? 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