{"id":5745,"date":"2020-07-16T09:00:33","date_gmt":"2020-07-16T16:00:33","guid":{"rendered":"http:\/\/edcollaborative.com\/?p=5745"},"modified":"2025-07-24T23:31:08","modified_gmt":"2025-07-25T06:31:08","slug":"can-you-file-a-business-interruption-claim-during-covid-19-it-depends","status":"publish","type":"post","link":"https:\/\/edcollaborative.com\/es\/blog\/can-you-file-a-business-interruption-claim-during-covid-19-it-depends\/","title":{"rendered":"\u00bfSe puede presentar un reclamo por interrupci\u00f3n del negocio durante el COVID-19? Eso depende"},"content":{"rendered":"

Si su estado le orden\u00f3 cerrar las puertas de su empresa durante el COVID-19, es posible que haya enfrentado una interrupci\u00f3n significativa en su negocio. Si su tienda u oficina est\u00e1 cerrada y las ventas est\u00e1n cayendo en picado, puede pensar que un reclamo de seguro por interrupci\u00f3n del negocio puede ayudarlo a recuperar algunas de sus p\u00e9rdidas.<\/p>\n

\u00a0<\/strong><\/p>\n

Cobertura por interrupci\u00f3n de negocios en la pandemia<\/strong><\/p>\n

\u00a0<\/strong><\/p>\n

Algunos due\u00f1os de negocios est\u00e1n descubriendo que no es tan simple como presentar un reclamo y recibir un cheque. Las aseguradoras dicen que las p\u00f3lizas de interrupci\u00f3n del negocio solo brindan cobertura cuando los asegurados sufren una p\u00e9rdida de ingresos debido a una p\u00e9rdida f\u00edsica o da\u00f1o a su negocio.<\/p>\n

 <\/p>\n

Muchas aseguradoras han estado negando reclamaciones porque, seg\u00fan esta definici\u00f3n, perder por un cierre relacionado con el COVID-19 no calificar\u00eda para un pago. Por lo general, esta cobertura de seguro compensa a los propietarios de empresas por la p\u00e9rdida de ingresos y otros gastos si un incendio, una inundaci\u00f3n u otro desastre obliga a una empresa a cerrar sus puertas temporalmente.<\/p>\n

 <\/p>\n

Sin embargo, lo que este seguro no suele cubrir son los ingresos que las empresas pierden porque deben reducir sus operaciones. Por ejemplo, un restaurante que no puede ofrecer servicio de cena pero que puede ofrecer recogida y entrega a domicilio no necesariamente podr\u00e1 presentar un reclamo.<\/p>\n

 <\/p>\n

Si buscas un seguro durante esta \u00e9poca, consulta primero tus p\u00f3lizas. Lea atentamente su cobertura para determinar exactamente qu\u00e9 cubre y qu\u00e9 no cubre. A partir de aqu\u00ed, podr\u00eda presentar un caso para el pago del seguro. Documente c\u00f3mo la pandemia ha afectado su negocio, recopile documentos de respaldo y presente un reclamo a trav\u00e9s de su aseguradora.<\/p>\n

 <\/p>\n

En\u00a0Colaboraci\u00f3n de desarrollo econ\u00f3mico<\/a>, entendemos que es un momento desafiante para todos. Haga clic aqu\u00ed para acceder al\u00a0gu\u00eda de recursos gratuita<\/a>\u00a0para su negocio que puede ayudarle a dar los siguientes pasos para su empresa.<\/p>","protected":false},"excerpt":{"rendered":"

Si su estado le orden\u00f3 cerrar las puertas de su empresa durante el COVID-19, es posible que haya enfrentado una interrupci\u00f3n significativa en su negocio. Si su tienda u oficina est\u00e1 cerrada y las ventas est\u00e1n cayendo en picado, puede pensar que un reclamo de seguro por interrupci\u00f3n del negocio puede ayudarlo a recuperar algunas de sus p\u00e9rdidas. Cobertura por interrupci\u00f3n del negocio en
Leer m\u00e1s<\/a><\/p>","protected":false},"author":180,"featured_media":5749,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[52],"tags":[1226],"class_list":["post-5745","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archive","tag-can-you-file-a-business-interruption-claim-during-covid-19-it-depends"],"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":"\nCan You File a Business Interruption Claim During COVID-19? 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Fall","author_link":"https:\/\/edcollaborative.com\/es\/blog\/author\/tfall\/"},"uagb_comment_info":0,"uagb_excerpt":"If your state ordered you to close your company\u2019s doors throughout COVID-19, you may have faced a significant interruption in your business. 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