{"id":1329,"date":"2020-11-21T21:31:00","date_gmt":"2020-11-21T21:31:00","guid":{"rendered":"http:\/\/teague.local\/?p=1329"},"modified":"2020-11-12T21:31:52","modified_gmt":"2020-11-12T21:31:52","slug":"who-doesnt-need-professional-liability-insurance-these-days","status":"publish","type":"post","link":"https:\/\/www.teagueins.com\/es\/2020\/11\/21\/who-doesnt-need-professional-liability-insurance-these-days\/","title":{"rendered":"\u00bfQui\u00e9n no necesita un seguro de responsabilidad profesional en estos d\u00edas?"},"content":{"rendered":"<h3 class=\"wp-block-heading\" id=\"h-doctors-lawyers-and-accountants-aren-t-the-only-people-who-need-professional-liability-insurance\">Los m\u00e9dicos, abogados y contadores no son las \u00fanicas personas que necesitan un seguro de responsabilidad profesional.<\/h3>\n\n\n\n<p>Todo tipo de personas necesitan cobertura de responsabilidad profesional, incluidos analistas financieros, capacitadores corporativos, numerosos tipos de consultores y profesionales del orden p\u00fablico. Incluso agentes del FBI.<br><br>Seg\u00fan un art\u00edculo de Law Enforcement Today, \u201clos agentes del FBI encargados por el exdirector despedido James Comey de derribar a Trump durante y despu\u00e9s de las elecciones de 2016 estaban tan preocupados por su comportamiento potencialmente ilegal que compraron ... un seguro de responsabilidad civil menos de dos semanas antes de la inauguraci\u00f3n de Trump. como presidente.&quot;<br><br>El cuarenta por ciento de las personas y las empresas creen que pueden tener riesgos de responsabilidad profesional, pero no han comprado un seguro para ello, seg\u00fan una encuesta reciente de propietarios de peque\u00f1as empresas realizada por The Hanover Insurance Company.<br><br>Durante los \u00faltimos veinte a\u00f1os ha habido muchos cambios en la forma en que las empresas interact\u00faan con los clientes y es posible que se sorprendan al descubrir que ahora tienen una brecha en su cobertura de labilidad. Muchas empresas no se dan cuenta de que su labilidad general no cubre las exposiciones de responsabilidad profesional (PL).<br><br>Adem\u00e1s de abogados, m\u00e9dicos y contadores, muchas empresas ahora necesitan un seguro PL. No tiene que considerarse un &quot;profesional&quot; para necesitar cobertura por actos negligentes. Si da consejos y recomendaciones, si crea programas o productos para sus clientes o si brinda un servicio, necesita protecci\u00f3n de responsabilidad.<br><br>Y no es solo usted quien podr\u00eda ser la causa del presunto acto negligente. Su empresa puede ser demandada por cualquier presunto mal o error cometido por cualquier empleado que represente su marca, incluido el personal temporal y los contratistas independientes.<br><br>Por ejemplo, supongamos que un fot\u00f3grafo profesional contrata a un asistente temporal para un trabajo. Si se alega que el asistente del fot\u00f3grafo ha sido negligente o ha cometido un acto de difamaci\u00f3n o calumnia contra un cliente, el seguro de responsabilidad profesional podr\u00eda proteger el negocio del fot\u00f3grafo de gastos legales inesperados.<br><br>Existen riesgos relacionados con la contrataci\u00f3n de personal temporal y contratistas independientes, pero los beneficios operativos y financieros a menudo los superan.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-defense-costs\">Costos de defensa<\/h4>\n\n\n\n<p>Una de las razones m\u00e1s importantes para tener cobertura de seguro de responsabilidad profesional (tambi\u00e9n conocida como errores y omisiones) son los costos de defensa.<br><br>En el campo m\u00e9dico, donde se encuentran los ejemplos m\u00e1s extremos de demandas costosas, el 65 por ciento de las reclamaciones se retiran antes del juicio y el 90 por ciento de las reclamaciones que van a juicio se niegan, seg\u00fan la Asociaci\u00f3n de Seguros de M\u00e9dicos de Am\u00e9rica. No obstante, cuesta una media de $120.000 defender casos fr\u00edvolos.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-tailored-coverage\">Cobertura a medida<\/h4>\n\n\n\n<p>Ya sea que compre una p\u00f3liza PL o E&amp;O, generalmente se adaptar\u00e1 a las necesidades espec\u00edficas de su clasificaci\u00f3n comercial. Por ejemplo, una p\u00f3liza para corredores de bienes ra\u00edces generalmente incluye cobertura por no asesorar a los clientes sobre la existencia de hongos, asbesto o bacterias. Las p\u00f3lizas para contadores pueden brindar cobertura para actuar como fideicomisario o administrador de un patrimonio. Algunas pol\u00edticas tambi\u00e9n cubren la transmisi\u00f3n inadvertida de virus inform\u00e1ticos y la corrupci\u00f3n de los datos de los clientes.<br><br>Ejemplos de otros profesionales que necesitan protecci\u00f3n incluyen:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Arquitectos e ingenieros<\/li><li>Contadores<\/li><li>Analistas financieros certificados<\/li><li>Peluqueros de perros<\/li><li>Inspectores de viviendas<\/li><li>Arquitectos paisajistas<\/li><li>Profesionales de la \u00f3ptica y la audici\u00f3n<\/li><li>Impresoras<\/li><li>Trabajadores sociales<\/li><li>Empresas de software<\/li><li>Veterinarios<\/li><\/ul>\n\n\n\n<p>Muchas compa\u00f1\u00edas de seguros ofrecen p\u00f3lizas grupales a miembros de asociaciones comerciales. En otros casos, las compa\u00f1\u00edas de seguros forman grupos de compra a los que los profesionales pueden &quot;unirse&quot;. La cobertura de responsabilidad profesional variada tambi\u00e9n est\u00e1 disponible para una variedad de empresas, como traductores, planificadores de reuniones, editores y agencias de cobranza. Si necesita cobertura, podemos asesorarlo sobre el mejor enfoque.<br><br>Los propietarios \u00fanicos pueden optar por proteger sus activos personales formando una sociedad de responsabilidad limitada, pero sus activos corporativos a\u00fan est\u00e1n en riesgo a menos que compren cobertura E&amp;O.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-claims-made-policy\">Pol\u00edtica de reclamaciones<\/h4>\n\n\n\n<p>Es importante comprender que la mayor\u00eda de las p\u00f3lizas PL y E&amp;O est\u00e1n escritas como \u201creclamos hechos\u201d, lo que significa que la p\u00f3liza solo cubre los reclamos presentados durante el per\u00edodo de la p\u00f3liza. Algunas compa\u00f1\u00edas ofrecen p\u00f3lizas basadas en incidentes, que cubren cualquier reclamo calificado que surja de un incidente que ocurri\u00f3 durante el per\u00edodo de la p\u00f3liza, sin importar cu\u00e1ndo se present\u00f3. Si cambia de una p\u00f3liza de reclamaciones a una p\u00f3liza de sucesos, debe asegurarse de no crear una brecha en la cobertura.<br><br>En situaciones espec\u00edficas, una p\u00f3liza de reclamos puede permitir un per\u00edodo extendido para informar reclamos: cuando un asegurado muere, se jubila o queda discapacitado permanentemente. Esta es una caracter\u00edstica importante porque se pueden presentar nuevas reclamaciones a\u00f1os despu\u00e9s del per\u00edodo de la p\u00f3liza. Para calificar como jubilado, el asegurado generalmente debe tener al menos 55 a\u00f1os y ha tenido que mantener la cobertura con la misma compa\u00f1\u00eda de seguros durante varios a\u00f1os, algo para lo que debe planificar si se jubila en un futuro cercano.<br><br>Si tiene alguna inquietud sobre las coberturas de responsabilidad de su negocio, ll\u00e1menos.<\/p>\n\n\n\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>Doctors, lawyers and accountants aren&#8217;t the only people who need professional liability insurance. All kinds of people need professional liability coverage, including financial analysts, corporate trainers, numerous types of consultants and law enforcement professionals. Even FBI agents. According an article in Law Enforcement Today, &#8220;FBI agents tasked by fired former Director James Comey to take [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1328,"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-1329","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>Who Doesn&#039;t Need Professional Liability Insurance These Days? - Teague Insurance<\/title>\n<meta name=\"description\" content=\"Doctors, lawyers and accountants aren&#039;t the only people who need professional liability insurance.\" \/>\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\/2020\/11\/21\/who-doesnt-need-professional-liability-insurance-these-days\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Who Doesn&#039;t Need Professional Liability Insurance These Days?\" \/>\n<meta property=\"og:description\" content=\"Doctors, lawyers and accountants aren&#039;t the only people who need professional liability insurance.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.teagueins.com\/es\/2020\/11\/21\/who-doesnt-need-professional-liability-insurance-these-days\/\" \/>\n<meta property=\"og:site_name\" content=\"Teague Insurance\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/TeagueInsuranceAgencyInc\" \/>\n<meta property=\"article:published_time\" content=\"2020-11-21T21:31:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.teagueins.com\/wp-content\/uploads\/2020\/11\/article_Nov20_LiabilityforWho.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"900\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"buchanan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@TeagueInsurance\" \/>\n<meta name=\"twitter:site\" content=\"@TeagueInsurance\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"buchanan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2020\\\/11\\\/21\\\/who-doesnt-need-professional-liability-insurance-these-days\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2020\\\/11\\\/21\\\/who-doesnt-need-professional-liability-insurance-these-days\\\/\"},\"author\":{\"name\":\"buchanan\",\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/#\\\/schema\\\/person\\\/56a66c7931e865a3f6cf418709cd4753\"},\"headline\":\"Who Doesn&#8217;t Need Professional Liability Insurance These Days?\",\"datePublished\":\"2020-11-21T21:31:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2020\\\/11\\\/21\\\/who-doesnt-need-professional-liability-insurance-these-days\\\/\"},\"wordCount\":785,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2020\\\/11\\\/21\\\/who-doesnt-need-professional-liability-insurance-these-days\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.teagueins.com\\\/wp-content\\\/uploads\\\/2020\\\/11\\\/article_Nov20_LiabilityforWho.jpg\",\"articleSection\":[\"Insurance\",\"Business\"],\"inLanguage\":\"es-MX\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.teagueins.com\\\/2020\\\/11\\\/21\\\/who-doesnt-need-professional-liability-insurance-these-days\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.teagueins.com\\\/2020\\\/11\\\/21\\\/who-doesnt-need-professional-liability-insurance-these-days\\\/\",\"url\":\"https:\\\/\\\/www.teagueins.com\\\/2020\\\/11\\\/21\\\/who-doesnt-need-professional-liability-insurance-these-days\\\/\",\"name\":\"Who Doesn't Need Professional Liability Insurance These Days? 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