{"id":1010,"date":"2019-08-20T17:42:31","date_gmt":"2019-08-20T17:42:31","guid":{"rendered":"http:\/\/teague.local\/?p=1010"},"modified":"2019-07-09T17:44:18","modified_gmt":"2019-07-09T17:44:18","slug":"what-is-environmental-liability-insurance","status":"publish","type":"post","link":"https:\/\/www.teagueins.com\/es\/2019\/08\/20\/what-is-environmental-liability-insurance\/","title":{"rendered":"\u00bfQu\u00e9 es el seguro de responsabilidad ambiental?"},"content":{"rendered":"<h3>Las p\u00f3lizas est\u00e1ndar de responsabilidad general comercial (GL) brindan poca cobertura por da\u00f1os por contaminaci\u00f3n, incluidos derrames t\u00f3xicos como el de Virginia Occidental en 2014. <\/h3>\n<p class=\"paragraph\" align=\"left\">Hoy en d\u00eda, la mayor\u00eda de las empresas que almacenan o manipulan materiales potencialmente t\u00f3xicos adquieren una p\u00f3liza de responsabilidad ambiental separada. Estas p\u00f3lizas cubren la exposici\u00f3n que excluye la p\u00f3liza GL.<\/p>\n<p>Los propietarios adquieren un seguro de responsabilidad por da\u00f1os ambientales. Cubre la p\u00e9rdida de propiedad y la responsabilidad derivada de los da\u00f1os relacionados con la contaminaci\u00f3n de los sitios que han sido inspeccionados y no contaminados. Por lo general, se redacta sobre la base de las reclamaciones hechas para que las p\u00f3lizas paguen solo las reclamaciones presentadas durante el plazo de la p\u00f3liza o dentro de un per\u00edodo de tiempo espec\u00edfico despu\u00e9s de que expire. Limita la exposici\u00f3n de las aseguradoras de responsabilidad a pasivos futuros desconocidos.<\/p>\n<p>En general, la cobertura incluye los requisitos legales de limpieza y da\u00f1os corporales y da\u00f1os a la propiedad, reclamaciones de terceros y gastos legales resultantes de contaminaci\u00f3n o incidentes de contaminaci\u00f3n. La cobertura se activa tanto para incidentes que son &quot;repentinos y accidentales&quot; como &quot;graduales&quot;. Tambi\u00e9n existe cobertura para p\u00e9rdidas por interrupci\u00f3n del negocio.<\/p>\n<p>Existen varios otros tipos de seguro de responsabilidad ambiental:<\/p>\n<ul>\n<li>Las p\u00f3lizas de errores y omisiones de consultores ambientales cubren a los consultores que asesoran a terceros sobre las condiciones ambientales.<\/li>\n<li>Las p\u00f3lizas de contratistas ambientales cubren las operaciones que realiza un contratista de remediaci\u00f3n.<\/li>\n<li>La cobertura del laboratorio de pruebas ambientales aborda la responsabilidad de las empresas que analizan materiales peligrosos en el suelo, la tierra o el aire.<\/li>\n<\/ul>\n<p class=\"paragraph\" align=\"left\">Adem\u00e1s, existen p\u00f3lizas que protegen a prestamistas y agentes inmobiliarios si manejan propiedades que luego resultan estar contaminadas.<\/p>\n<p>Comun\u00edquese con nosotros si cree que su empresa puede necesitar un seguro de responsabilidad ambiental.<\/p>\n<p><a id=\"disclaimer\" href=\"https:\/\/smartspublishing.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Art\u00edculo cortes\u00eda de SmartsPublishing.com<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Standard business general liability (GL) policies provide little coverage for pollution damage, including toxic spills like the one in West Virginia in 2014. Today most companies that store or handle potentially toxic materials purchase a separate environmental liability policy. These policies cover the exposure that the GL policy excludes. Property owners purchase environmental impairment liability [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1003,"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-1010","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 v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is Environmental Liability Insurance? - 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\/08\/20\/what-is-environmental-liability-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is Environmental Liability Insurance?\" \/>\n<meta property=\"og:description\" content=\"Standard business general liability (GL) policies provide little coverage for pollution damage, including toxic spills like the one in West Virginia in 2014. 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