{"id":7649,"date":"2019-01-03T13:42:55","date_gmt":"2019-01-03T11:42:55","guid":{"rendered":"https:\/\/www.rm-assessors.cat\/quins-tipus-de-riscos-ha-dassegurar-la-seva-empresa-sap-que-es-pot-assegurar-el-lucre-cessant-o-el-credit\/"},"modified":"2019-01-03T13:42:55","modified_gmt":"2019-01-03T11:42:55","slug":"quins-tipus-de-riscos-ha-dassegurar-la-seva-empresa-sap-que-es-pot-assegurar-el-lucre-cessant-o-el-credit","status":"publish","type":"post","link":"https:\/\/www.rm-assessors.cat\/es\/quins-tipus-de-riscos-ha-dassegurar-la-seva-empresa-sap-que-es-pot-assegurar-el-lucre-cessant-o-el-credit\/","title":{"rendered":"Quins tipus de riscos ha d&#8217;assegurar la seva empresa? Sap que es pot assegurar el lucre cessant o el cr\u00e8dit ?"},"content":{"rendered":"<div class=\"summary\">\n<p>La nostra funci\u00f3 com a corredors d&#8217;assegurances es comparar les condicions que ofereixen les diferents entitats asseguradores, ajudar al nostres clients a determinar quins son els seus riscos i oferir-lis les millors assegurances del mercat en cada moment. Relacionem seguidament quin son els riscos m\u00e9s habituals als que estan exposades les nostres empreses:<\/p>\n<\/div>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #ff0000;\"><strong>Incendi i riscos complementaris:\u00a0<\/strong><\/span><\/p>\n<ul>\n<li><span style=\"color: #ff0000;\">Concepte:<\/span> L&#8217;incendi \u00e9s un risc al qual estan exposades totes les empreses i locals de negoci, tant si es produeix de forma accidental o \u00e9s intencionat.<\/li>\n<li><span style=\"color: #ff0000;\">Cobertura:<\/span> Aquesta asseguran\u00e7a cobreix l&#8217;incendi de les instal\u00b7lacions de l&#8217;empresa, aix\u00ed com l&#8217;explosi\u00f3 produ\u00efda per vapors o gasos a pressi\u00f3 i la caiguda de llampecs.<\/li>\n<li><span style=\"color: #ff0000;\">Riscos complementaris:<\/span> Es cobreixen a m\u00e9s, altres riscos complementaris, tals com els desperfectes provocats per l&#8217;acci\u00f3 del fum, actes de vandalisme produ\u00efts despr\u00e9s de l&#8217;incendi, danys provocats per l&#8217;aigua, inundacions, tempestes, aix\u00ed com els danys derivats de les mesures de salvament com a conseq\u00fc\u00e8ncia de l&#8217;incendi.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"color: #ff0000;\">Robatori i espoliaci\u00f3:\u00a0<\/span><\/strong><\/p>\n<ul>\n<li><span style=\"color: #ff0000;\">Cobertura<\/span>: Es cobreix el valor dels bens que es puguin perdre a conseq\u00fc\u00e8ncia de robatori i espoliaci\u00f3. Tamb\u00e9 es cobreixen els danys que es produeixen com a conseq\u00fc\u00e8ncia del robatori: canvis de pany, desperfectes, neteja, reposici\u00f3 d&#8217;arxius, etc.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"color: #ff0000;\">Ruptura de maquin\u00e0ria i avaria d&#8217;equips electr\u00f2nics:<\/span>\u00a0<\/strong><\/p>\n<ul>\n<li><span style=\"color: #ff0000;\">Cobertura<\/span>: es cobreixen les despeses per la reparaci\u00f3 de les m\u00e0quines i equips electr\u00f2nics, tant per la intervenci\u00f3 del personal que les manipula, com per vicis ocults o fen\u00f2mens el\u00e8ctrics, aix\u00ed com les despeses derivades, com s\u00f3n les hores extraordin\u00e0ries, transport urgent, recuperaci\u00f3 d&#8217;arxius inform\u00e0tics, increments del cost d&#8217;operaci\u00f3, entre d&#8217;altres, a efectuar com a conseq\u00fc\u00e8ncia del sinistre.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"color: #ff0000;\">Lucre cessant:<\/span>\u00a0<\/strong><\/p>\n<ul>\n<li><span style=\"color: #ff0000;\">Concepte<\/span>: en cas que es produeixi un sinistre, per exemple un incendi, l&#8217;empresa disminueix la seva activitat o, fins i tot, \u00e9s possible que l&#8217;hagi hagut de parar. Aix\u00f2 suposa que, mentre no es percep la indemnitzaci\u00f3 i es reparen els desperfectes, l&#8217;empresa incorre en unes despeses fixes, que ha de seguir pagant (salaris, contractes, etc.), aix\u00ed com la p\u00e8rdua de beneficis pel que fa als esperats de no haver-se produ\u00eft el sinistre. Aquesta p\u00e8rdua de beneficis s&#8217;obt\u00e9 de comparar el compte de resultats prevista per a l&#8217;exercici econ\u00f2mic amb la real, una vegada esdevingut el sinistre.<\/li>\n<li><span style=\"color: #ff0000;\">Cobertura<\/span>: Es cobreix l&#8217;import d&#8217;aquelles despeses. D&#8217;altra banda, es cobreix tamb\u00e9 el pagament dels lloguers que el propietari de les instal\u00b7lacions deixar\u00e0 de percebre per la interrupci\u00f3 de l&#8217;activitat.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"color: #ff0000;\">Responsabilitat civil:<\/span><\/strong> les garanties de responsabilitat civil cobreixen els danys que sofreixen terceres persones, derivats de l&#8217;activitat de l&#8217;empresa. Aquests danys poden ser de diferents tipus, la qual cosa d\u00f3na lloc a diferents modalitats de responsabilitat civil, d&#8217;entre les quals citem les m\u00e9s importants:<\/p>\n<ul>\n<li><span style=\"color: #ff0000;\">Responsabilitat civil locativa<\/span>: es tracta de la responsabilitat en qu\u00e8 incorre l&#8217;arrendatari de l&#8217;immoble en el qual es desenvolupa l&#8217;activitat empresarial, quan es produeixen danys derivats d&#8217;incendi, explosi\u00f3 o l&#8217;acci\u00f3 de l&#8217;aigua.<\/li>\n<li><span style=\"color: #ff0000;\">Responsabilitat civil d&#8217;explotaci\u00f3:<\/span> consisteix en la responsabilitat en la qual incorre l&#8217;empresari per l&#8217;acompliment de la pr\u00f2pia activitat empresarial, pels seg\u00fcents conceptes, entre d&#8217;altres:\n<ul>\n<li>Realitzaci\u00f3, dins i fora de les instal\u00b7lacions, dels processos productius propis de l&#8217;activitat empresarial.<\/li>\n<li>Actuaci\u00f3 dels empleats en l&#8217;acompliment de les seves funcions.<\/li>\n<li>Tractament, emmagatzematge, c\u00e0rrega, desc\u00e0rrega i transport de mercaderies.<\/li>\n<li>Serveis de seguretat i vigil\u00e0ncia.<\/li>\n<li>Acc\u00e9s a les instal\u00b7lacions de l&#8217;empresa de clients i prove\u00efdors.<\/li>\n<li>Repercussi\u00f3 per als ve\u00efns de les instal\u00b7lacions de l&#8217;empresa.<\/li>\n<\/ul>\n<\/li>\n<li><span style=\"color: #ff0000;\">Responsabilitat civil subsidi\u00e0ria<\/span>: si b\u00e9 l&#8217;empresa no incorre en responsabilitat per les accions derivades directament de l&#8217;activitat empresarial, s\u00ed que pot ser responsable, de forma subsidi\u00e0ria, per:\n<ul>\n<li>Actes de persones que, no sent empleats de l&#8217;empresa, se&#8217;n serveix per a l&#8217;exercici de l&#8217;activitat, com \u00e9s el cas de subcontractistes i els seus empleats.<\/li>\n<li>Conducci\u00f3, per empleats de l&#8217;empresa, i per a l&#8217;acompliment de la seva feina, de vehicles de la seva propietat o lloguer, quan la seva asseguran\u00e7a no sigui suficient per a la cobertura dels danys causats.<\/li>\n<\/ul>\n<\/li>\n<li><span style=\"color: #ff0000;\">Responsabilitat civil patronal:<\/span> \u00e9s la responsabilitat en qu\u00e8 incorre l&#8217;empresari en cas que es produeixin lesions o defunci\u00f3 dels seus empleats per incomplir alguna de les mesures de seguretat i higiene en el treball.<\/li>\n<li><span style=\"color: #ff0000;\">Responsabilitat civil de productes:<\/span> es cobreixen els danys derivats per l&#8217;\u00fas, manipulaci\u00f3 o simple tinen\u00e7a dels productes de l&#8217;empresa o per errors en les instruccions de muntatge, utilitzaci\u00f3 o consum.<\/li>\n<li><span style=\"color: #ff0000;\">Responsabilitat civil de treballs i serveis prestats:<\/span> es cobreixen els danys a tercers produ\u00efts per l&#8217;\u00fas i exist\u00e8ncia dels b\u00e9ns que han estat fruit dels treballs o serveis prestats una vegada acabats i posats a la disposici\u00f3 del client.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #ff0000;\"><strong>Riscos extraordinaris:\u00a0<\/strong><\/span><\/p>\n<ul>\n<li><span style=\"color: #ff0000;\">Concepte:<\/span> el Consorci de Compensaci\u00f3 d&#8217;Assegurances es fa c\u00e0rrec dels danys provocats per fen\u00f2mens de la naturalesa, terrorisme i similars, aix\u00ed com l&#8217;actuaci\u00f3 de les Forces Armades en temps de pau, sempre que no estiguin emparats per la p\u00f2lissa d&#8217;asseguran\u00e7a normal o que, \u00e0dhuc estant-ho, l&#8217;entitat asseguradora no pugui fer front a les seves obligacions d&#8217;indemnitzaci\u00f3 per haver estat declarada en fallida, suspensi\u00f3 de pagaments o insolv\u00e8ncia intervinguda per la Comissi\u00f3 Liquidadora d&#8217;Entitats Asseguradores.<\/li>\n<li><span style=\"color: #ff0000;\">Cobertura:<\/span> Tots aquests riscos s\u00f3n f\u00e0cils de cobrir, ja que les entitats asseguradores ofereixen paquets de cobertura integral, anomenats\u00a0p\u00f2lisses de multirisc empresarial, en les quals es reuneixen, en un \u00fanic contracte, les cobertures pr\u00f2pies de diferents rams d&#8217;asseguran\u00e7a, independents entre si.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"color: #ff0000;\">Asseguran\u00e7a de cr\u00e8dit:<\/span>\u00a0<\/strong><\/p>\n<ul>\n<li><span style=\"color: #ff0000;\">Concepte:<\/span> Les empreses, en el desenvolupament de la seva activitat, t\u00e9 com a fi la venda del producte que elabora. El risc a qu\u00e8 s&#8217;enfronta \u00e9s que els seus clients no li paguin l&#8217;import de la venda. El motiu de la falta de pagament pot ser divers.<\/li>\n<li><span style=\"color: #ff0000;\">Cobertura<\/span>: Les entitats asseguradores han elaborat una modalitat d&#8217;asseguran\u00e7a que cobreixi la falta de pagament dels deutors que han estat declarats en situaci\u00f3 d&#8217;insolv\u00e8ncia definitiva. Per\u00f2 la qualificaci\u00f3 d&#8217;insolv\u00e8ncia no \u00e9s immediata i, no obstant aix\u00f2, l&#8217;empresa necessita circulant per seguir amb la seva activitat normal. Per aix\u00f2, quan transcorre un per\u00edode de temps des que es produeix l&#8217;impagament del cr\u00e8dit, que sol ser de sis mesos, l&#8217;entitat asseguradora abona a l&#8217;assegurat el 50% de l&#8217;import del deute en concepte d&#8217;avan\u00e7ament, fins que es produeixi la liquidaci\u00f3 definitiva de la indemnitzaci\u00f3. El preu de l&#8217;asseguran\u00e7a per a cada empresa \u00e9s diferent, ja que dependr\u00e0 de la solv\u00e8ncia que acrediti cadascun dels seus clients.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"color: #ff0000;\">Asseguran\u00e7a de cauci\u00f3:<\/span> <\/strong><\/p>\n<ul>\n<li><span style=\"color: #ff0000;\">Concepte:<\/span> Aquest \u00e9s el cas oposat a l&#8217;anterior. Pot donar-se el cas que l&#8217;empresa, per m\u00faltiples raons, pugui passar per per\u00edodes en els quals es vegi afectada per una falta de liquiditat. La conseq\u00fc\u00e8ncia d&#8217;aix\u00f2 \u00e9s que, de forma ocasional, es pot retardar en el pagament dels seus compromisos contractuals. Aix\u00f2 suposa que l&#8217;empresa de la qual \u00e9s deutora sofreix un impacte en el seu patrimoni igual a l&#8217;import que deixa d&#8217;ingressar.<\/li>\n<li><span style=\"color: #ff0000;\">Cobertura<\/span>: La finalitat d&#8217;aquesta modalitat d&#8217;asseguran\u00e7a \u00e9s garantir el cobrament com m\u00e9s aviat millor. El paper que juga l&#8217;entitat asseguradora \u00e9s el d&#8217;avan\u00e7ar l&#8217;import del deute contret per l&#8217;assegurat, sense que aix\u00f2 suposi que quedi, en cap moment, exonerat del seu pagament.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #ff0000;\"><strong>Conclusi\u00f3: <\/strong><\/span><\/p>\n<ul>\n<li class=\"first\">Totes les empreses estan exposades a l&#8217;esdeveniment de diversos riscos que poden afectar negativament el funcionament del seu negoci<\/li>\n<li>Les p\u00f2lisses de multirisc empresarial reuneixen en un sol contracte les garanties que cobreixen diferents rams d&#8217;asseguran\u00e7a, a un cost menor<\/li>\n<li>Pot estar cobert contra la insolv\u00e8ncia dels seus clients i la seva pr\u00f2pia, donant m\u00e9s tranquil\u00b7litat a l&#8217;evoluci\u00f3 del seu negoci<\/li>\n<li class=\"last\">El capital assegurat en les garanties de responsabilitat civil ha d&#8217;estar ajustat a la realitat dels danys que l&#8217;empresa pot ocasionar<\/li>\n<\/ul>\n<p><span style=\"color: #008000;\"><strong><em>Som corredors d&#8217;assegurances i fem estudis gratu\u00efts i personalitzats per cada empresa. Consulteu-nos sense comprom\u00eds trucant al 972 426 085, o per correu electr\u00f2nic adre\u00e7at al nostre mediador d&#8217;assegurances: jordipol@rm-assessors.cat.<\/em><\/strong><\/span><\/p>\n<\/div>\n<p><a href=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2019\/01\/shutterstock_787143052.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-3126\" src=\"https:\/\/www.rm-assessors.cat\/wp-content\/uploads\/2019\/01\/shutterstock_787143052.jpg\" alt=\"\" width=\"600\" height=\"600\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La nostra funci\u00f3 com a corredors d&#8217;assegurances es comparar les condicions que ofereixen les diferents entitats asseguradores, ajudar al nostres clients a determinar quins son els seus riscos i oferir-lis les millors assegurances del mercat en cada moment. Relacionem seguidament quin son els riscos m\u00e9s habituals als que estan exposades les nostres empreses: &nbsp; Incendi [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3348,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[18,21,41],"tags":[1122,1123,1124],"class_list":["post-7649","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances","category-butlleti-mensual","category-destacats","tag-assegurances-de-empreses","tag-assegurar-responsabilitat-civil","tag-assegurar-riscos-empresarials"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quins tipus de riscos ha d&#039;assegurar la seva empresa? 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