{"id":12892,"date":"2021-10-26T15:16:24","date_gmt":"2021-10-26T20:16:24","guid":{"rendered":"https:\/\/blog.bindy.com\/?p=12892"},"modified":"2024-11-28T14:31:55","modified_gmt":"2024-11-28T19:31:55","slug":"como-utilizar-las-inspecciones-del-sitio-para-reducir-las-primas-de-seguros-comerciales","status":"publish","type":"post","link":"https:\/\/blog.bindy.com\/es\/how-to-use-site-inspections-to-reduce-commercial-insurance-premiums\/","title":{"rendered":"C\u00f3mo usar las inspecciones del sitio para reducir las primas de seguros comerciales"},"content":{"rendered":"

Una inspecci\u00f3n del sitio mantiene seguros a su negocio, empleados y clientes al identificar peligros y riesgos potenciales. Estos son algunos consejos sobre el uso de inspecciones del sitio para reducir las primas de seguros comerciales.<\/p>\n\n\n\n

Si bien una compa\u00f1\u00eda de seguros a menudo enviar\u00e1 un inspector para inspeccionar el sitio cuando asegura una nueva propiedad y negocio, adoptar un enfoque preventivo puede ahorrar mucho tiempo y recursos. A las compa\u00f1\u00edas de seguros no les gustan los riesgos; si les demuestra que ha mitigado los riesgos de manera preventiva, es probable que sus primas bajen. Los riesgos reducidos conducen a primas reducidas.<\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

\u00bfQu\u00e9 debe buscar en una inspecci\u00f3n comercial?<\/p>\n\n\n\n

Comencemos con la seguridad contra incendios<\/h2>\n\n\n\n

\u00bfHa instalado equipo de rociadores contra incendios? \u00bfHay una cocina comercial y equipo propenso a incendios, como una freidora? Cada pieza del equipo puede operarse de manera segura, el prop\u00f3sito de una inspecci\u00f3n es asegurar y documentar que as\u00ed sea.<\/p>\n\n\n\n

Para obtener m\u00e1s detalles sobre la prevenci\u00f3n de incendios, consulte nuestro Lista de verificaci\u00f3n de salud y seguridad<\/a>.<\/p>\n\n\n\n

\"Inspecciones<\/a><\/figure>\n\n\n\n

\u00bfEl edificio est\u00e1 en buenas condiciones?<\/h2>\n\n\n\n

Es menos probable que un edificio que est\u00e1 en buenas condiciones presente un riesgo, por lo que el operador tiene la responsabilidad de demostrar que se ha mantenido al tanto de las reparaciones.<\/p>\n\n\n\n

\u00bfEl techo est\u00e1 en buenas condiciones? \u00bfCu\u00e1ndo se revis\u00f3 por \u00faltima vez? \u00bfCu\u00e1l es la carga de nieve? \u00bfCu\u00e1les son los estados de los sistemas HVAC, el\u00e9ctricos y de plomer\u00eda? \u00bfSe han reparado estos sistemas (registr\u00f3 la fecha de la \u00faltima inspecci\u00f3n)? \u00bfLas canaletas y los bajantes est\u00e1n libres de obstrucciones para que el agua pueda fluir libremente?<\/p>\n\n\n\n

\"Exterior<\/a><\/figure>\n\n\n\n

\u00bfTus clientes est\u00e1n en riesgo?<\/h2>\n\n\n\n

Ya sea que opere un restaurante, un hotel o una cl\u00ednica, los clientes vienen a disfrutar del servicio que ofrece. No vienen para tropezar y caer. Si lo hacen, es muy posible que lo encuentren responsable, lo que aumenta su exposici\u00f3n al riesgo.<\/p>\n\n\n\n

\u00bfHay baches en el estacionamiento que podr\u00edan causar que los clientes tropiecen y se caigan? \u00bfSon seguras las cubiertas y los pasamanos? \u00bfEst\u00e1n las aceras libres de escombros, hielo y nieve?<\/p>\n\n\n\n

Para obtener m\u00e1s detalles sobre la mitigaci\u00f3n de riesgos, consulte nuestro 9 consejos para minimizar lesiones y responsabilidades.<\/a><\/p>\n\n\n\n

Prevenir p\u00e9rdidas por robo<\/h2>\n\n\n\n

Evitar el robo, tanto interno como externo, es un componente importante del perfil de riesgo de una operaci\u00f3n comercial. Tienes que mitigarlo.<\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

\u00bfLa iluminaci\u00f3n es adecuada? \u00bfEst\u00e1n las puertas y ventanas en buenas condiciones? \u00bfHay c\u00e1maras instaladas en \u00e1reas clave? \u00bfSe documentan y se siguen los procedimientos de manejo de efectivo?<\/p>\n\n\n\n

Para obtener m\u00e1s informaci\u00f3n, consulte nuestro Gu\u00eda completa para la prevenci\u00f3n de p\u00e9rdidas<\/a> y Lista de verificaci\u00f3n de prevenci\u00f3n de p\u00e9rdidas<\/a>.<\/p>\n\n\n

\n
\"Prevenci\u00f3n<\/a><\/figure>\n<\/div>\n\n\n

No solo encuentre problemas, corr\u00edjalos<\/h2>\n\n\n\n

Descubrir problemas no reducir\u00e1 por s\u00ed solo los riesgos; solucionarlos s\u00ed lo har\u00e1. El plan de acci\u00f3n es una oportunidad para aplicar acciones correctivas a \u00e1reas problem\u00e1ticas.<\/a>Designa a una persona responsable de corregir cada problema detectado y establece una fecha l\u00edmite para su resoluci\u00f3n. De esta manera, el plan de acci\u00f3n fomenta la apropiaci\u00f3n y la rendici\u00f3n de cuentas. <\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

No dejes que los problemas persistan. Demu\u00e9strele a su compa\u00f1\u00eda de seguros que est\u00e1 al tanto de todo. Una cultura de \u201carreglarlo\u201d reduce sus riesgos y puede reducir sus primas de seguro.<\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

\u00a1Haz (muchas) fotos!<\/h2>\n\n\n\n

Recuerde tomar fotograf\u00edas durante la inspecci\u00f3n. Una imagen vale m\u00e1s que 1000 palabras y puede proporcionar evidencia fotogr\u00e1fica de que se cumplen los est\u00e1ndares. Adjunte las fotograf\u00edas a la inspecci\u00f3n como un registro permanente. <\/p>\n\n\n\n

Las im\u00e1genes son r\u00e1pidas y est\u00e1n bien alineadas con el objetivo de demostrar el cumplimiento de los est\u00e1ndares de la marca y los requisitos de la p\u00f3liza de seguro.<\/p>\n\n\n\n

las inspecciones son clave para reducir las primas de seguros comerciales<\/h2>\n\n\n\n

Las inspecciones preventivas reducen los riesgos para los edificios, los clientes y la continuidad del negocio. Por esta raz\u00f3n, tambi\u00e9n reducen las primas de seguros. Ya sea que desee reducir los riesgos o los costos operativos, las inspecciones preventivas son una gran idea que se implementan r\u00e1pidamente y ahorran m\u00e1s de lo que cuestan. <\/p>","protected":false},"excerpt":{"rendered":"

Una inspecci\u00f3n del sitio mantiene seguros a su negocio, empleados y clientes al identificar peligros y riesgos potenciales. Estos son algunos consejos sobre el uso de inspecciones del sitio para reducir las primas de seguros comerciales. Si bien una compa\u00f1\u00eda de seguros a menudo enviar\u00e1 un inspector para inspeccionar el sitio cuando asegura una nueva propiedad y negocio, adoptar un enfoque preventivo puede... Seguir leyendo C\u00f3mo usar las inspecciones del sitio para reducir las primas de seguros comerciales<\/span> \u2192<\/span><\/a><\/p>","protected":false},"author":6370623,"featured_media":12903,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_crdt_document":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[319730,677174005,677174188,1043654],"tags":[677174186,33371,677174187],"class_list":["post-12892","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-qsr","category-how-to","category-hotel-3","category-loss-prevention","tag-commercial-insurance","tag-health-and-safety","tag-hospitality-insurance"],"yoast_head":"\nHow to Use Site Inspections to Reduce Commercial Insurance Premiums<\/title>\n<meta name=\"description\" content=\"Stores with higher risk have increased insurance costs, are your stores at risk? 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