{"id":2540,"date":"2018-01-25T09:00:37","date_gmt":"2018-01-25T17:00:37","guid":{"rendered":"http:\/\/edcollaborative.com\/?p=2540"},"modified":"2025-07-24T22:51:53","modified_gmt":"2025-07-25T05:51:53","slug":"business-interruption-insurance-can-difference-survival-shuttering","status":"publish","type":"post","link":"https:\/\/edcollaborative.com\/es\/blog\/business-interruption-insurance-can-difference-survival-shuttering\/","title":{"rendered":"El seguro contra interrupci\u00f3n del negocio puede marcar la diferencia entre sobrevivir y cerrar"},"content":{"rendered":"

Como muchos propietarios de negocios desde California hasta el Caribe descubrieron por las malas en 2017, el seguro de interrupci\u00f3n del negocio puede ser tan vital para la supervivencia de su negocio como el seguro contra incendios y otros riesgos. Cuando una empresa tiene que cerrar, ya sea por un incendio en el edificio o por un desastre generalizado, el flujo de caja cesa y la empresa puede perder clientes frente a sus competidores. Sin embargo, muchos gastos contin\u00faan. Los acreedores de una empresa seguir\u00e1n esperando el pago de los pr\u00e9stamos a plazos, y sus proveedores seguir\u00e1n esperando que la empresa cumpla con sus obligaciones de cuentas por pagar por los bienes y servicios que han proporcionado. <\/em><\/p>\n

El seguro de interrupci\u00f3n del negocio puede marcar la diferencia entre la supervivencia y el cierre permanente. A continuaci\u00f3n se ofrecen algunos consejos:<\/em><\/p>\n

C\u00d3MO FUNCIONA<\/strong><\/p>\n

El seguro de interrupci\u00f3n del negocio cubre los ingresos que la empresa habr\u00eda obtenido, seg\u00fan sus registros financieros, si el desastre no hubiera ocurrido. La p\u00f3liza tambi\u00e9n cubre los gastos operativos que contin\u00faan aunque las actividades comerciales se hayan detenido temporalmente.<\/p>\n

El seguro de interrupci\u00f3n del negocio compensa a una empresa por la p\u00e9rdida de ingresos si una empresa tiene que desalojar las instalaciones debido a da\u00f1os relacionados con un desastre que est\u00e1n cubiertos por su p\u00f3liza de seguro de propiedad. En consecuencia, los empresarios har\u00edan bien en asegurar sus empresas contra otros tipos de riesgos. Estos variar\u00e1n dependiendo de la zona en la que se encuentren.<\/p>\n

UBICACI\u00d3N<\/strong><\/p>\n

Las empresas en California u otras \u00e1reas propensas a terremotos deben tener un seguro contra terremotos, mientras que aquellas ubicadas en \u00e1reas costeras en la parte este y sur de los EE. UU. deben considerar un seguro contra huracanes. Las empresas que hacen negocios en el coraz\u00f3n del pa\u00eds har\u00edan bien en asegurarse de que sus p\u00f3lizas cubran los da\u00f1os causados por el viento que podr\u00eda causar un tornado.<\/p>\n

MOMENTO<\/strong><\/p>\n

Los propietarios de empresas deben asegurarse de que los l\u00edmites de la p\u00f3liza sean suficientes para cubrir su empresa durante m\u00e1s de unos pocos d\u00edas. Despu\u00e9s de un desastre importante, como los ocurridos en 2017, pueden pasar semanas o meses hasta que el negocio vuelva a funcionar.<\/p>\n

CANTIDAD DEL SEGURO <\/strong><\/p>\n

Como ocurre con todas las p\u00f3lizas de seguro, el importe de la prima est\u00e1 relacionado con el riesgo: cuanto mayor es el riesgo, mayor es la prima. Por ejemplo, en igualdad de condiciones, las primas probablemente ser\u00e1n m\u00e1s altas para un restaurante que para una agencia de bienes ra\u00edces, porque el riesgo de incendio del restaurante es mayor que el de una oficina.<\/p>\n

SEGURO DE GASTOS EXTRA <\/strong><\/p>\n

Otro tipo de cobertura relacionada es el \u201cseguro de gastos extra\u201d. El seguro de gastos adicionales reembolsa a una empresa una suma razonable de dinero que gasta, adem\u00e1s de los gastos operativos normales, para evitar tener que cerrar durante el per\u00edodo de restauraci\u00f3n despu\u00e9s de un desastre u otro percance.<\/p>\n

Una agencia de bienes ra\u00edces puede alquilar espacio de oficina temporal en otra ubicaci\u00f3n, transferir sus l\u00edneas telef\u00f3nicas y continuar sus operaciones con un tiempo de inactividad m\u00ednimo. Reubicar un restaurante en un local temporal ser\u00eda considerablemente m\u00e1s caro y consumir\u00eda m\u00e1s tiempo.<\/p>\n

Los expertos en seguros dicen que normalmente se pagar\u00e1n gastos adicionales si ayudan a reducir los costos de interrupci\u00f3n del negocio. En algunos casos, el seguro de gastos adicionales por s\u00ed solo puede proporcionar cobertura suficiente, sin necesidad de adquirir un seguro de interrupci\u00f3n del negocio.<\/p>\n

Para obtener ayuda para navegar por los seguros comerciales en el A\u00f1o Nuevo, comun\u00edquese con el Colaboraci\u00f3n de Desarrollo Econ\u00f3mico-Condado de Ventura<\/a>. Convenientemente ubicados en Camarillo, California, estamos aqu\u00ed para ayudarlo.<\/p>\n

Fuente: Instituto de Informaci\u00f3n de Seguros<\/p>","protected":false},"excerpt":{"rendered":"

Como muchos propietarios de negocios desde California hasta el Caribe descubrieron por las malas en 2017, el seguro de interrupci\u00f3n del negocio puede ser tan vital para la supervivencia de su negocio como el seguro contra incendios y otros riesgos. Cuando una empresa tiene que cerrar, ya sea que la causa sea un incendio en el edificio o un desastre generalizado, el flujo de caja
Leer m\u00e1s<\/a><\/p>","protected":false},"author":8,"featured_media":2541,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[38],"tags":[],"class_list":["post-2540","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general-articles"],"translation":{"provider":"WPGlobus","version":"3.0.1","language":"es","enabled_languages":["en","es"],"languages":{"en":{"title":true,"content":true,"excerpt":false},"es":{"title":false,"content":false,"excerpt":false}}},"acf":[],"yoast_head":"\nbusiness interruption 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:\/\/edcollaborative.com\/es\/blog\/business-interruption-insurance-can-difference-survival-shuttering\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Business Interruption Insurance Can Be the Difference Between Survival and Shuttering - Economic Development Collaborative\" \/>\n<meta property=\"og:url\" content=\"https:\/\/edcollaborative.com\/es\/blog\/business-interruption-insurance-can-difference-survival-shuttering\/\" \/>\n<meta property=\"og:site_name\" content=\"Economic Development Collaborative\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/EDCollaborative\" \/>\n<meta property=\"article:published_time\" content=\"2018-01-25T17:00:37+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-25T05:51:53+00:00\" \/>\n<meta name=\"author\" content=\"Bruce Stenslie\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EDCollaborative\" \/>\n<meta name=\"twitter:site\" content=\"@EDCollaborative\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bruce Stenslie\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/edcollaborative.com\/blog\/business-interruption-insurance-can-difference-survival-shuttering\/\",\"url\":\"https:\/\/edcollaborative.com\/blog\/business-interruption-insurance-can-difference-survival-shuttering\/\",\"name\":\"business interruption insurance\",\"isPartOf\":{\"@id\":\"https:\/\/edcollaborative.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/edcollaborative.com\/blog\/business-interruption-insurance-can-difference-survival-shuttering\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/edcollaborative.com\/blog\/business-interruption-insurance-can-difference-survival-shuttering\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2018-01-25T17:00:37+00:00\",\"dateModified\":\"2025-07-25T05:51:53+00:00\",\"author\":{\"@id\":\"https:\/\/edcollaborative.com\/#\/schema\/person\/8a0cb72c80d1855b9388588e9456c41f\"},\"description\":\"Discover how business interruption insurance safeguards small businesses from unexpected closures. 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